Document:

SECOND AMENDMENT
                                       TO
                          DISTRIBUTOR SERVICE AGREEMENT
                                     BETWEEN
                       MAINES PAPER AND FOOD SERVICE, INC.
                                       AND
                                   COSI, INC.

      Agreement made this 7th day of April, 2003, by and between Maines Paper
and Food Service, Inc. ("DISTRIBUTOR") AND Cosi, Inc. ("COMPANY").

                                    RECITALS

      The parties entered into a certain Distributor Service Agreement dated
January 7, 2002, that was subsequently amended on June 18, 2002, and desire to
amend the same to redefine the Term of the Agreement.

                                    AGREEMENT

      The parties hereto agree as follows:

The initial term of this Agreement, contained in Section 15.1 of the amended
Agreement is hereby amended as follows:

      This Agreement shall become effective as of the Effective Date (January 7,
2002) and shall expire four (4) years from the effective date (January 7, 2006),
unless otherwise terminated or extended pursuant to the terms of this Agreement.

      Except as amended hereby, the Agreement shall remain unchanged and in full
force and effect. In the event of a conflict between the terms, conditions and
provisions hereof, and those of the Agreement, the terms, conditions and
provisions hereof shall prevail and control.

      IN WITNESS WHEREOF, the parties have executed this SECOND AMENDMENT as of
the day first above written.

                                       MAINES PAPER AND FOOD SERVICE, INC.

                                       BY:  /s/  Christopher Mellon
                                            -----------------------------

                                       TITLE:  CEO
                                               --------------------------

                                       COSI, INC.

                                       BY:    /s/ Kenneth S. Betuker
                                            -----------------------------

                                       TITLE:  CEO
                                               --------------------------Exhibit 10.62

	SERVICE AGREEMENT 

 

 

between

 

 Société LE
    MANS RE 

 

and
        

 

CREDIT LYONNAIS
            

 

 

 

 

 

	Agreement
          relative to sureties, LGs and international stand-by L/Cs 

    

 

 

 

 

AGREEMENT RELATIVE to SURETIES,
        LETTERS of 

  GUARANTEES and INTERNATIONAL
                      STAND-BY L/Cs

      

 

Between

LE MANS Re

  A corporation with capital of € 204,642,240

  whose Registered Office is situate in LE MANS (72000)
        (FRANCE) Immeuble Novaxis, 33 A

  49 bd Alexandre Oyor
                            

  registered with the Registrar of Business Companies
      in Le Mans under n° 412341943

  herein represented by Mr Jacques LEMAIRE

  in his capacity as Manager – Administration and Finance,
                            fully empowered to enter into the

  undertakings provided
                            for herein,
                            

  Hereinafter called
                            the “Company ” of
                            the first part,

 

and

 

CREDIT LYONNAIS, a corporation
      with capital of € 1,808,394,053

whose
      Registered Office is in LYON (69002) France at 18 rue de la République and with

  its Head Office in PARIS (75002) France at 19 Boulevard des Italiens,

  registered with the Registrar of Business Companies in Lyon under n° 954
          509 741

  herein represented by Mr Bruno WALLAERT

  in his capacity as
      Manager of the Banks and Institutionals branch,

hereinafter called the  “Bank”  of the second part,

    

 

 

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April 2003
	2

    PURPOSE
    

LE MANS Re and CREDIT LYONNAIS,
    wishing to maximize the quality of their relations in the area of sureties
    and international guarantees, want to enter into
            several reciprocal obligations.

 

 These obligations shall
      relate particularly to the terms and conditions of performance of operations
      relative to sureties, L/Gs and international
                stand-by L/Cs.
        

 

The following Bank units
      are concerned by this Agreement: 

                [
    ] the Banks and Institutionals Branch which shall attend to the commercial
                relation with the Company and which shall interface between the Company and
                the Commercial Support Unit (UAC).

                [
    ] the Commercial Support Unit (U.A.C.) Contracts section in charge of the administration
                of sureties, L/Gs and international stand-by L/Cs and of the issuance of letters
                of respectability (France/foreign countries) which shall interface between the
                Company and the International Guarantees Dept.

                [
    ] the International Guarantees Dept in charge of the technical aspects and
                    of the actual issuance and delivery of sureties, L/Gs and
    international stand-by L/Cs.
                  

 

 

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April
          2003

    	3

    

CONTENTS

	Premises – Definitions
        	3
	 	 
	1 – Issuance
    and delivery of guarantees	3
	 	 
	2 – Call and enforcement
    of guarantees   	4
	 	 
	3 – Client’s
    repayment undertaking  	5
	 	 
	4 – Discharge
        of liability  	5
	 	 
	 	 
	4-1 – General
        principles  	6
	 	 
	4-2 – Documents
        	 6
	 	 
	4-3 – Partial or total
        release of liability 	 6
	 	 
	5 – Charges
        and fees  	7
	 	 
	6 – Guarantors’ information
         	7
	 	 
	7 – Representations
    and Warranties by Company  	7
	 	 
	8 – Term
        of the Agreement  	8
	 	 
	9 – Governing law – Competent
    jurisdiction  	9
	 	 
	            Appendix
    1: request from the Company to issue guarantees 	10
	            Appendix
    2: schedule of fees and charges  	11
	 	 
	 	 

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April
          2003

    	4

    

PREMISES – DEFINITIONS

 In this document, we consider
    at all times that requests for the issuance and delivery of guarantees are
    within authorized
          limits. The lines must have been authorized before the process of arranging
        the guarantee
                        begins.
                                This Agreement shall continue to govern guarantees
      issued before the
                        expiry of
                                authorized
                                        lines.

The parties agree that,
    as used herein, “undertaking” means any and all personal
                                  sureties which can be the object of obligations undertaken by the Bank at the
                                  Company’s request, such as sureties and independent guarantees however called:
                                  on demand letters of guarantee, independent guarantees, stand-by L/C, etc ... The
                                  contents of the document more than the name shall determine the exact legal characters
                                  of the undertaking, depending either on its accessory character in the case of
                                  sureties or its independent character relative to the principle contract for
                                  independent guarantees.

 1 – Issuance and
delivery of undertakings 

The Company agrees to send
    by telefax to both the International Guarantees Dept and the UAC the form
    in Appendix 1 (or 1a) specifying the particular characteristics
                                      of the undertaking to be issued and delivered
    and making express reference hereto together with all documents necessary
    to meet the request. This telefax shall
                                      represent a formal request to issue the
    undertaking. There shall be no confirmation via an original issuance letter.
    

In the event the wording
    is imposed by either the beneficiary or the Company, such request shall be
    sent together with
      the wording of the document to be issued,
                                        as well as all documents and explanations
      necessary to examine the document to be issued.
                                        

This form shall be signed
    by the duly empowered officer or officers of the Company (the powers shall
    have been
      previously
        sent by the Company to the Bank) and shall
                                          be binding upon the Company.

 The Bank agrees to examine
    the Company’s request with all due care and within
                                            the shortest time frame, i.e. within 48 hours of receipt providing all the information
                                            necessary for the issuance of the required document is in its possession.
                                            

The Bank shall nevertheless
    be under no obligation to issue and deliver every requested undertaking.
    It shall however notify the Client within the same time
                                              period if it is not agreeable to
    issue and deliver the undertaking.

 

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April
          2003

    	5

    

 2 – Call and enforcement
of Undertakings 

                [
    ] the Company agrees to indemnify the Bank and hold it harmless for and against
                                                      all the risks and damages which could result from the claims of the beneficiary
                                                      of a surety, of a letter of guarantee or a stand-by L/C (or the correspondent
                                                      bank) against the Bank.
  

                [
    ] for those undertakings which, according to their provisions, have the legal
                                                          character of independent obligations, totally irrespective of how they are
                                                          called (letters of guarantee, stand-by L/Cs, etc...) in accordance with their
                                                          terms and international banking practice, the Bank may be led to make good
                                                          on undertaken obligations without delay at the request of either the beneficiary
                                                          or its foreign correspondent, while the latter does not have to justify any
                                                          claim against the Company and the Bank cannot urge any objections that the
                                                          Company could raise against the beneficiary.
                                                        

As a consequence thereof:

 -	if the Bank is called
    to pay it shall under no circumstances, as regards those undertakings which
      have the legal character of independent obligations as above specified,
    have
      to take into account any objections that the Company could
                                                              raise to oppose
    the enforcement of these obligations and it shall not have to obtain the
    Company’s agreement to comply. The Bank shall not either have
                                                              to take into account
    any exception that the Company can ask it to urge under the principal contract.
                                                            

 

3 – Client’s repayment
  undertaking 

Upon the Bank's notice to the Company that a partial or total payment is called
                                                                by the beneficiary of the undertaking, the Company shall repay the claimed amount
                                                                to the Bank forthwith without having the possibility, as regards those undertakings
                                                                which have the legal character of independent obligations as referred to above,
                                                                to challenge the merits of the payment or urge any exceptions based on the principal
                                                                contract.
                                                                

The same rule shall apply
    to the Company, for sureties governed by article 2001 and following of the
    French Code of Civil law when the Company has not notified
                                                                  the Bank of
    its reasons to challenge the payment to the beneficiary within eight days
    from the date of the enforcement notice sent by the Bank.
                                                                  

The Company
      expressly and irrevocably gives the Bank – this being a joint interest
                                                                    mandate – full instructions to charge its current account opened in the Bank’s
                                                                    books or any account it would decide to open in its books with the amounts the
                                                                    latter would have

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April
          2003

    	6

    

 disbursed under obligations
      of any kind and nature undertaken under issuance and delivery requests
    hereunder 

The Company also authorizes
    the Bank to debit its account:

 - with commissions and
    fees due to the Bank as agreed in article 5 hereof,

 - if appropriate, as and
    when they are claimed to the Bank by its correspondent
            in accordance with its general terms and conditions, costs, duties,
      taxes and levies whatsoever and commissions and fees, if any, borne or
    charged by
        the latter.

 - either from the date
    of issuance and delivery of the undertaking
     until the date on which the letter of guarantee is returned or on which
      the
        beneficiary

     or the
              correspondent shall have expressly released the Bank’s liability.

-
              or from the date of issue of the undertaking until its expiry date.

     

To enable the Bank to make
    the authorized debits as abovementioned and to charge the charges and fees
    as agreed in article 5 in respect of which the
      Company gives

     its debit authorization herein, the Company agrees to leave sufficient funds

     in its account.

 

 4 – Release of
Liability

 4-1 General principles
 

The release of liability
    shall result from the provisions of the document itself

     and/or from the specific terms set by the correspondent or from the laws
      and regulations of the country of the beneficiary

 The termination of the
    undertaking, meant as the specification in the document
     that the guarantee cannot be called after a certain date or a certain event
        even in connection with debts that arose prior to such date or event
    can be put forward

       by the Bank when there is no doubt whatsoever and subject to any provision
        to the contrary of applicable laws and regulations. Subject to the same
      reservations,
       the Company can put forward facts triggering the termination of the undertaking

     in accordance with its terms. The Bank shall consider that it is finally
        released

       from liability vis a vis the beneficiary only when the triggering facts
        are undisputably established by the Company allowing for the rules of
    any nature relative to the

     issuance of the relevant documentary evidence. The Bank shall under no circumstances

       be bound to assume the existence of such facts and events based on other
        facts or prima facie evidence nor to cause any construction or appreciation
        to prevail

     over any other 

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April
          2003

    	7

    

Liability is automatically
      released following events and/or on the faith of documents

       only when this has been expressly specified in the original undertaking.
            Otherwise the International Guarntees Dept has to obtain the beneficiary’s
            approval.
      

The practical terms of
    articles 4.2 and 4.3 below shall apply subject to the foregoing.

4-2 Documents
  

The Company agrees to provide
    the required documents as specified in the text

     of the guarantee for total or partial releases of liability when the latter
                are expressly authorized in the text of the undertaking.

         

As long as any of these
    documents has not been received by the Bank, the Bank shall continue to be
    bound by its obligations and fees continue
        to accrue.

     

4-3 Partial or total release
    of liability 

The Bank hereby agrees
    to process partial or total releases of liability
            within
               a maximum of five days from their date of receipt by the International
                      Guarantees Department.

     

In the event an expiry
    date is specified and if the original instrument is not returned or if the
    Guarantor’s liability is not released by the
                        beneficiary, the Guarantor’s liability shall be fully and automatically
                        released thirty working days from the expiry date, save as otherwise provided
                        by the laws or regulations

       applicable to it.  

If the Guarantor’s liability is automatically released
                           or if tendered documents are in conformity with the wording of the undertaking,
                           the Bank agrees to issue

        an execution notice specifying the reduction or the total release within
                           one week of the Computer data capture.

        

If the documents are not
    in conformity, the Bank agrees to notify the Company over the telephone,
    with a written confirmation, if appropriate,
                             of any observed

     discrepancies. 

If the Bank has to obtain
    the Beneficiary’s approval,
                                the Bank agrees to send to the client copies of the requests and tracers
         sent to local banks.

 

 5 – Charges
and fees  

The charges and fees payable
    to the Bank are specified in Appendix 2. The fees

     are determined effective from the date of issue of the undertaking.
                                         They are paid quarterly upfront for
    any other quarter or part thereof.

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April
          2003

    	8

    

The fees and charges, if
      any, of the correspondent bank that has issued the undertaking shall be
    charged in addition.

 

6 – Guarantor’s
Information

 The Bank agrees to send
    to the Company in January each year, the statutory statement

     showing all obligations undertaken for its account and outstanding
                                                  as of 31st December the previous
    year
    

The outstanding balance
    under SBLCs amounts to USD 31,595,000 as
     of 16th April 2003 for an authorized amount of USD 50,000,000 valid
      until December 2003.

 

7 – Representations
    by the Company 

The Company shall make
    its own affair of the consequences, if any, of payments
 made by the Bank hereunder

     

The Company hereby indemnifies
    and holds the Bank harmless for an against any

     and all risks which may arise from the issuance and delivery of requested
      undertakings.

            

 

8 – Term of the
  Agreement  

This Agreement is entered
    into for an unspecified period of time. It can be terminated

     at any time by either party subject to sending to the other a three month
    prior

     notice of termination. 

On the date of termination,
    all outstanding guarantees shall remain valid and

   the Company shall remain bound unto the Bank for all these obligations under

     issued undertakings.

 

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April
          2003

    	9

    

9 – Governing law – Competent
jurisdiction  

This agreement shall be
    governed by, and construed according to, French law.
  The parties hereby submit to the exclusive competence of the Courts within
                                                           the

  jurisdiction of the Paris Court of Appeal.

 

Signed
        in [ Paris ]. This [ 25 ] day of [ April ] 2003

  In three original counterparts

      

 

 

	LE
    MANS RE   
	 	 CREDIT
    LYONNAIS
	 	 	 
	 	 	/s/
JOSIANE
BOURDIN
	 	 	Josiane BOURDIN 
	 	 	Responsable
	 	 	Crédits Documentaires
	 	 	Garanties Internationales
	 	 	 
	 	 	 

 

 

 

	Le Mans
        Ré/Crédit Lyonnais Service Agreement	April
          2003

    	10

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