Document:

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                                                                   Exhibit 10.2

                               THIRD ADDENDUM TO
                   SIXTH AMENDMENT TO RESTATED LOAN AGREEMENT

         THIS THIRD ADDENDUM (this "Third Addendum") is attached to and made a
part of the Sixth Amendment to Restated Loan Agreement dated as of May 31, 2001
(the "Sixth Amendment"), executed by, between and among METROPOLITAN FINANCIAL
CORP., an Ohio Corporation (the "Borrower"), ROBERT M. KAYE (the "Guarantor")
and THE HUNTINGTON NATIOAL BANK (the "Bank").

                                   WITNESSETH

         WHEREAS, pursuant to the Sixth Amendment, the parties agreed to reset
the return on assets ("ROA") covenant, which covenants were reset pursuant to
the Addendum to the Sixth Amendment to Restated Loan Agreement dated as of
October 16, 2001, as further revised by the Second Addendum to Sixth Amendment
to Restated Loan Agreement dated as of January 7, 2002; and

         WHEREAS, the parties desire to remove the ROA covenant, provide for a
principal payment and provide for the pledge of additional collateral.

         NOW, THEREFORE, for valuable consideration, the sufficiency of which is
hereby acknowledged by the parties, the parties do hereby agree that the
following changes are incorporated into the Sixth Amendment as a supplement
thereto:

         1.   Section 6.01(H) of the Loan Agreement is hereby deleted and Bank
              shall not require Borrower to comply with an ROA covenant.

         2.   Borrower shall make a principal payment of $1,000,000 upon
              execution of this Third Addendum which payment shall constitute a
              permanent reduction in the Loan.

         3.   Guarantor shall pledge to Bank 4,741,818 shares of Borrower he
              acquired in the Rights Offering as security for the Loan.

         Except as otherwise provided, all amendments to the Loan Agreement set
forth herein shall be deemed effective from and after the date of the Amendment
and this Third Addendum. All references in the Loan Agreement to this
"Agreement", "hereof", "herein", "hereunder" or "hereby" shall, from and after
the date of the Amendment, be deemed references to the Loan Agreement as amended
by the Amendments including this Third Addendum.

         In all other respects, the parties hereto hereby ratify and affirm the
terms and conditions of the Loan Agreement and Borrower acknowledges that the
Loan is due and payable on December 31, 2002 and that no extensions thereof will
be granted by the Bank.

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         IN WITNESS WHEREOF, the Third Addendum has been duly executed by the
parties hereto as of the 22nd day of July, 2002.

                                      METROPOLITAN FINANCIAL CORP.

     /s/Robert M. Kaye                By:        /s/Kenneth T. Koehler
-----------------------------            ----------------------------------
Robert M. Kaye, Guarantor                    Kenneth T. Koehler, President

                                      THE HUNTINGTON NATIONAL BANK

                                      By:        /s/John R. Marks
                                         ----------------------------------
                                            John R. Marks, Vice PresidentEXHIBIT 10.1

                                OPTION AGREEMENT

This OPTION AGREEMENT dated for reference June 10, 2002, is between FII
INTERNATIONAL INC., a Nevada company of 1100 Melville Street, Vancouver, British
Columbia, V6E 4A6, and fax (604) 664-0671 ("FII"); and PATRIZIA MITCHELL of
1901-1128 Quebec Street, Vancouver, British Columbia, V6A 4E1(the "Owner").

WHEREAS the Owner has agreed to grant FII an option to the Assets pursuant to
the terms of this agreement, FOR VALUABLE CONSIDERATION, the receipt and
sufficiency of which are acknowledged, the parties agree that:

                                 INTERPRETATION

1.  The definitions in the recitals are part of this agreement.

2.  In this agreement:

    a)   "Assets" means the assets more particularly described in Schedule "A"
         attached to this agreement.

    b)   "Option" means the option granted to FII to purchase the Assets.

    c)   "Shares" means Common Capital Shares in the capital of FII restricted
         from trading in accordance with Rule 144.

    d)   "Term" means June 10, 2002 to June 9, 2004.

    e)   "$" means United States dollars unless otherwise indicated.

                         TERMS AND CONDITIONS OF OPTION

OPTION

3.  The Owner agrees to grant an option to FII to acquire the assets from the
    Owner.

4.  All developments made on or from the Assets during the Term of this
    agreement, and during any extensions to the Term pursuant to the terms of
    this agreement, will be the property of the Owner and will be included in
    the Assets to be transferred to FII.

EXERCISE OF OPTION

5.  To exercise the Option, FII must make the following payments to the Owner:

    a.  2 million Shares are a price of $0.005 per Share to be issued and
        delivered on the date this agreement is signed by all the parties; and

    b.  a lump sum payment of $250,000 to be paid on or before the end of the
        Term.

6.  All payments to be made by FII will be delivered to the Owner at the address
    set out in the recitals.

EXTENSION OF OPTION

7.  FII has the option to extend the Option for another 12 months from the date
    of expiry of the Term. To exercise its option, FII must deliver to the Owner
    written notice of FII's intention to extend the Option no later than May 11,
    2004.

8.  As consideration for the extension of the Option, FII will issue an
    additional 500,000 Shares registered in the name of the Owner at a deemed
    price of $0.20 per Share, which will be delivered to the Owner on or before
    June 9, 2004; and

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9.  If FII makes the payments as noted in Section 8 in a timely manner, the
    Option will be extended and kept in good standing until June 9, 2005.

TERMINATION OF OPTION

10. The Owner agrees not to terminate this agreement without the consent of FII.
    FII may terminate this agreement by giving the Owner 30 days' written
    notice.

11. The parties agree that all improvements to the Assets will remain with the
    Assets and the Owner will be the owner of such improvements until FII
    exercises the Option in full. If the Option is not exercised in full by FII,
    all notes, data, records, and materials in any format that relate to the
    Assets in any way belong exclusively to the Owner.

12. If requested by the Owner, FII will immediately turn over to the Owner all
    copies of the materials described in paragraph 11 that are in FII's
    possession or control.

                         REPRESENTATIONS AND WARRANTIES

THE OWNER

13. The Owner represents and warrants that:

    a.  The Owner is the sole beneficial and legal owner of the Assets.

    b.  The Owner is legally entitled to option and sell the Assets.

    c.  No other party has any right to the Assets.

    d.  The Assets have been duly and validly registered and are in good
        standing on the date of this agreement.

    e.  There is no adverse claim or challenge against or to the ownership of or
        title to the Assets, nor to the knowledge of the Owner is there any
        basis therefor, and there are no outstanding agreements or options to
        acquire or purchase the Assets or any portion thereof, with the
        exception of FII's right pursuant to the provisions of this agreement.

    f.  The Owner has complied with all the laws in effect in the jurisdiction
        in which the Assets are located and FII may have access to the Assets
        for all purposes of this agreement without making any payment to, and
        without accounting to or obtaining the permission of, or any other
        person other that any payments required to be made under this agreement.

14. The representations and warranties contained in Section 13 are provided for
    the exclusive benefit of FII, and a breach of any one or more thereof may be
    waived by FII, in whole or in part at any time without prejudice to its
    rights in respect of any other breach of the same or any other
    representation or warranty; and the representations and warranties contained
    in Section 13 will survive the signing of this agreement.

FII

15. FII represents and warrants that:

    a.  It is a company formed and in good standing under the laws of Nevada.

    b.  Its authorized capital is 200,000,000 Common Capital Shares with a par
        value of $0.001 per share.

    c.  It has the legal capacity and authority to make and perform this
        agreement.

    d.  The signing of this agreement and the performance of its terms have been
        duly authorized by all necessary corporate actions including the
        resolution of the board of directors of FII.

    e.  Any shares issued pursuant to the terms of this agreement will be
        subject to the trading restrictions set out in Section 19.

16. The representations and warranties contained in Section 15 are provided for
    the exclusive benefit of the Owner and a breach of any one or more thereof
    may be waived by the Owner in whole or in part at any time without

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    prejudice to their rights in respect of any other breach of the same or any
    other representation or warranty; and the representations and warranties
    contained in Section 15 will survive the signing of this agreement.

                         COVENANTS AND ACKNOWLEDGEMENTS

THE OWNER

17. The Owner will indemnify FII from any and all debts or liabilities arising
    out of or from the Assets prior to the date of this agreement.

18. The Owner consents to act as the sole director and the president of FII and
    will continue to act as president of FII for the Term of this agreement or
    until he is removed by the board of directors of FII.

19. The Owner acknowledges and understands that each certificate evidencing any
    shares issued to them under this agreement and any other securities issued
    on any stock split, stock dividend, recapitalization, merger, consolidation,
    or similar event will be imprinted with legends substantially in the
    following form:

          "THE SECURITIES REPRESENTED BY THIS INSTRUMENT TO WHICH THIS AGREEMENT
          RELATES HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE
          "1933 ACT"), OR UNDER ANY STATE SECURITIES LAWS ("BLUE SKY LAWS"), AND
          MAY NOT BE OFFERED OR SOLD WITHOUT REGISTRATION UNDER THE 1933 ACT,
          AND AS REQUIRED BY BLUE SKY LAWS IN EFFECT AS TO SUCH TRANSFER, UNLESS
          AN EXEMPTION FROM SUCH REGISTRATION UNDER STATE AND FEDERAL LAW IS
          AVAILABLE."

FII

20. During the Term, FII will:

    a.  maintain in good standing the Assets that are in good standing on the
        date of this agreement by the payment of all annual fees and the
        performance of all other actions which may be necessary in that regard
        and in order to keep the Assets free and clear of all liens and other
        charges arising from FII's activities with the Assets, except those at
        the time that are contested in good faith by FII;

    b.  permit the Owner, their agents, servants, employees and designated
        consultants, at their own risk, access to the Assets at all reasonable
        times, provided that the Owner agrees to indemnify FII against and to
        save them harmless from all costs, claims, liabilities and expenses that
        FII may incur or suffer as a result of any injury to or loss claimed by
        the Owner, or their agents, servants, employees or designated
        consultants; and

    c.  indemnify and save the Owner harmless in respect of any and all costs,
        claims, liabilities and expenses arising out of FII's activities with
        the Assets, provided that FII will incur no obligation hereunder in
        respect of claims arising or damages suffered after termination of the
        agreement if upon termination of the agreement the Assets and any
        improvements made to the Assets are in good standing.

                                OTHER PROVISIONS

21. The Owner expressly acknowledges that FII has given him adequate time to
    review this agreement and to seek and obtain independent legal advice, and
    he represents to FII that he has in fact sought and obtained independent
    legal advice and is satisfied with all the terms and conditions of this
    agreement.

22. Time is of the essence of this agreement.

23. This agreement is governed by the laws of British Columbia and must be
    litigated in the courts of British Columbia.

24. Any notice that must be given or delivered under this agreement must be in
    writing and delivered by hand to the address or transmitted by fax to the
    fax number given for the party on page 1 and is deemed to have been received
    when it is delivered by hand or transmitted by fax unless the delivery or

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    transmission is made after 4:00 p.m. or on a non-business day where it is
    received, in which case it is deemed to have been delivered or transmitted
    on the next business day. Any payments of money must be delivered by hand or
    wired as instructed in writing by the receiving party. Any delivery other
    than a written notice or money must be made by hand at the receiving party's
    address.

25. The Owner may not assign this agreement or any part of it to another party.

26. Any amendment of this agreement must be in writing and signed by the
    parties.

27. This agreement enures to the benefit of and binds the parties and their
    respective successors, heirs and permitted assignees.

28. No failure or delay of FII in exercising any right under this agreement
    operates as a waiver of the right. FII's rights under this agreement are
    cumulative and do not preclude FII from relying on or enforcing any legal or
    equitable right or remedy.

29. If any provision of this agreement is illegal or unenforceable under any
    law, then it is severed and the remaining provisions remain legal and
    enforceable.

30. This agreement may be signed in counterparts and delivered to the parties by
    fax, and the counterparts together are deemed to be one original document.

THE PARTIES' signatures below are evidence of their agreement.

FII INTERNATIONAL INC.

  /s/ Patrizia Mitchell                           /s/ Patrizia Mitchell
--------------------------------               -------------------------------
Authorized signatory                             PATRIZIA MITCHELL
June 10, 2002                                    June 10, 2002

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Option Agreement

                                  SCHEDULE "A"

                      Schedule "A" to the Option Agreement
              between FII International Inc. and Patrizia Mitchell
                 dated for reference the 10th day of June, 2002.

                     (number of pages including this one: 1)

                                     Assets

The following is the description of the Assets.

          1.  The domain name "fashion-international" registered with VeriSign.

          2.  All notes, data, records, and materials in any format that relate
              to the domain name.

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