Document:

<PAGE>

EXHIBIT 10.25

               AMENDED AND RESTATED REVOLVING LINE OF CREDIT NOTE

$___________                                               Hartford, Connecticut
                                                           December __, 2004

      FOR VALUE RECEIVED, the undersigned, VERMONT PURE HOLDINGS, LTD., a
Delaware corporation with an office located at 1050 Buckingham Street,
Watertown, Connecticut 06795 ("HOLDINGS "), and CRYSTAL ROCK LLC, a Delaware
limited liability company with an office at 1050 Buckingham Street, Watertown,
Connecticut 06795 ("CRYSTAL ROCK", and collectively with Holdings, the
"OBLIGORS"), hereby jointly and severally promise to pay to the order of
________________, a _____________ (individually, together with its successors
and assigns, the "LENDER"), at its office at _____________, __________,
____________ ______ or at such other place as the holder hereof may designate,
the principal amount advanced hereunder and remaining unpaid, up to a maximum
amount of ____________ MILLION ______________ AND 00/100 DOLLARS ($____________)
(the "PRINCIPAL AMOUNT") in lawful money of the United States, together with
interest on the Principal Amount, beginning on the date hereof, before and after
maturity or judgment, at a per annum rate determined as provided in that certain
Amended and Restated Loan and Security Agreement dated as of the __ day of
December, 2004, as the same may be amended from time to time (as so amended from
time to time the "LOAN AND SECURITY AGREEMENT"), by and among the Obligors, each
of the lenders, including the Lender, which is a signatory thereto
(collectively, the "LENDERS") and Webster Bank, National Association, as agent
(in such capacity, together with its successors and assigns in such capacity,
the "AGENT"). All payments shall be made in lawful money of the United States in
immediately available funds. All capitalized terms not defined herein shall have
the meanings assigned to such terms in the Loan and Security Agreement.

      1. Interest Rate. The interest rate hereunder shall be as set forth in the
Loan and Security Agreement.

      2. Requests for Advances. Requests for advances hereunder shall be as set
forth in the Loan and Security Agreement.

      3. Payments of Interest. Payments of interest hereunder shall be as set
forth in the Loan and Security Agreement.

      4. Payments of Principal. Payments of principal hereunder shall be as set
forth in the Loan and Security Agreement.

      5. Prepayments. Prepayments of principal hereunder shall be as set forth
in the Loan and Security Agreement.

<PAGE>

      6. Costs and Expenses. The Obligors shall pay all taxes levied or assessed
on this Note or the debt evidenced hereby against the Lender, together with all
costs, expenses and attorneys' and other professional fees incurred in any
action to collect and/or enforce this Note or to enforce the Loan and Security
Agreement or any other agreement relating to this Note or the Loan and Security
Agreement or any other agreement or in any litigation or controversy arising
from or connected with the Loan and Security Agreement or any other agreement,
or this Note.

      7. Increased Costs. In the event that applicable law, treaty or regulation
or directive from any government, governmental agency or regulatory authority,
or any change therein or in the interpretation or application thereof, or
compliance by the Lender with any request or directive (whether or not having
the force of law) from any central bank or government, governmental agency or
regulatory authority, shall:

            a.    subject the Lender to any tax of any kind whatsoever (except
                  taxes on the overall net income of the Lender) with respect to
                  the Loan and Security Agreement, this Note or any of the loans
                  made by it, or change the basis of taxation of payments to the
                  Lender in respect thereof (except for changes in the rate of
                  tax on the overall net income of the Lender);

            b.    impose, modify or hold applicable any reserve, special
                  deposit, compulsory loan or similar requirements against
                  assets held by, deposits or other liabilities in or for the
                  account of, advances, loans or other extensions of credit by,
                  or any other acquisition of funds by, any office of the
                  Lender, including (without limitation) pursuant to Regulations
                  of the Board of Governors of the Federal Reserve System; or

            c.    in the opinion of the Lender, cause this Note, any loan made
                  under this Note or under the Loan and Security Agreement to be
                  included in any calculations used in the computation of
                  regulatory capital standards; or

            d.    impose on the Lender any other condition;

and the result of any of the foregoing is to increase the cost to the Lender, by
an amount that the Lender deems to be material, of making, converting into,
continuing and/or maintaining the loans made pursuant to this Note and the Loan
and Security Agreement or to reduce the amount of any payment (whether of
principal, interest or otherwise) in respect of any of such loans, then, in any
case, the Obligors shall promptly pay the Lender, upon its demand, such
additional amounts necessary to compensate the Lender for such additional costs
or such reduction in payment, as the case may be (collectively the "Additional
Costs"). The Lender shall certify the amount of such Additional Costs to the
Obligors, and such certification, absent manifest error, shall be deemed
conclusive. In determining such amount, the Lender shall use any reasonable
averaging and attribution methods.

      8. Indemnity. The Obligors agree to indemnify the Lender and to hold the
Lender harmless from any loss (including any of the additional costs referred to
above and any lost profits) or expense that it may sustain or incur as a
consequence of (i) a default by any Obligor in

                                       2

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the payment of the principal of or interest due on this Note, or (ii) the making
of a prepayment of the Principal Amount bearing interest based upon the LIBOR
Rate on a day which is not the last day of the then current Interest Period
applicable thereto, including, but not limited to, in each case any such loss or
expense arising from the reemployment of funds obtained by it or from fees,
interest or other amounts payable to terminate the deposits from which such
funds were obtained. The Agent shall prepare a certificate as to any additional
amounts payable to it pursuant to this Section, which certificate shall be
submitted by the Lender to the Obligors and shall, absent manifest error, be
deemed conclusive.

      9. Lawful Interest. All agreements between Obligors and Lender are hereby
expressly limited so that in no event whatsoever, whether by reason of
acceleration of maturity of the indebtedness evidenced hereby or otherwise,
shall the amount paid or agreed to be paid to Lender for the use or the
forbearance of the indebtedness evidenced hereby exceed the maximum permissible
under applicable law. As used herein, the term "applicable law" shall mean the
law in effect as of the date hereof provided, however, that in the event there
is a change in the law which results in a higher permissible rate of interest,
then this Note shall be governed by such new law as of its effective date. In
this regard, it is expressly agreed that it is the intent of Obligors and Lender
in the execution, delivery and acceptance of this Note to contract in strict
compliance with the laws of the State of Connecticut from time to time in
effect. If, under or from any circumstances whatsoever, fulfillment of any
provision hereof or of any of the Loan Documents at the time of performance of
such provision shall be due, shall involve transcending the limit of such
validity prescribed by applicable law, then the obligation to be fulfilled shall
automatically be reduced to the limits of such validity, and if under or from
any circumstances whatsoever Lender should ever receive as interest an amount
which would exceed the highest lawful rate, such amount which would be excessive
interest shall be applied to the reduction of the principal balance evidenced
hereby and not to the payment of interest. This provision shall control every
other provision of all agreements between Obligors and Lender.

      10. Events of Default. The Obligors agree that the occurrence of an Event
of Default under the Loan and Security Agreement shall constitute an Event of
Default under this Note. This Note is one of the Revolving Line of Credit Notes
referred to in, and is entitled to the benefits of, the Loan and Security
Agreement. Reference is hereby made to the Loan and Security Agreement for the
other terms and conditions relating to the Loan evidenced by this Note which are
incorporated in this Note by reference. Upon the occurrence and during the
continuance of any Event of Default, the Lender, at its option, may declare all
amounts outstanding hereunder, together with accrued interest thereon and all
applicable late charges, other amounts due under this Note and all other
liabilities and obligations of the Obligors to the Lender to be immediately due
and payable, whereupon the same shall become immediately due and payable; all of
the foregoing without demand, presentment, protest, notice of dishonor or other
notice of any kind, all of which are hereby expressly waived by the Obligors.
Failure to exercise such option shall not constitute a waiver of the right to
exercise the same in the event of any subsequent default. Notwithstanding the
foregoing, upon the occurrence of an Event of Default relating to the bankruptcy
or insolvency of any Obligor or any guarantor, all amounts outstanding
hereunder, together with accrued interest thereon and all applicable late
charges, other amounts due under this Note and all other liabilities and
obligations of the Obligors to the Lender shall be immediately due and payable.
Upon the occurrence and during the continuance

                                       3
<PAGE>

of any Event of Default, without in any way affecting the Agent's or Lender's
other rights and remedies, or after maturity or judgment, the interest rate
applicable to the outstanding principal balance of this Note shall be as set
forth in the Loan and Security Agreement. The Lender shall endeavor to give the
Obligors prompt notice of the acceleration of the unpaid balance owed under this
Note but failure to give such notice shall not affect any action taken by Lender
and Lender shall not incur any liability for any failure to deliver such notice.

      11. Lien and Right of Setoff. Each Obligor hereby grants to Lender a lien,
security interest and right of setoff as security for all liabilities and
obligations to Lender or any other lender under the Loan and Security Agreement,
whether now existing or hereafter arising, upon and against all deposits,
credits, collateral and property, now or hereafter in the possession, custody,
safekeeping or control of Lender or any entity under common control with Lender,
or in transit to any of them. At any time, without demand or notice, Lender may,
if an event which constitutes or which with notice or lapse of time, or both,
would constitute an Event of Default under this Note, the Loan and Security
Agreement or any of the other Loan Documents has occurred and is continuing, set
off the same or any part thereof and apply the same to any liability or
obligation of any Obligor to Lender or any other lender under the Loan and
Security Agreement even though unmatured and regardless of the adequacy of any
other collateral securing the Loans. ANY AND ALL RIGHTS TO REQUIRE LENDER TO
EXERCISE ITS RIGHTS OR REMEDIES WITH RESPECT TO ANY OTHER COLLATERAL WHICH
SECURES THE LOANS, PRIOR TO EXERCISING ITS RIGHT OF SETOFF WITH RESPECT TO SUCH
DEPOSITS, CREDITS OR OTHER PROPERTY OF ANY OBLIGOR, ARE HEREBY KNOWINGLY,
VOLUNTARILY AND IRREVOCABLY WAIVED.

      12. No Waiver. Failure by the Lender to insist upon the strict performance
by Obligors of any terms and provisions herein shall not be deemed to be a
waiver of any terms and provisions herein, and the Lender shall retain the right
thereafter to insist upon strict performance by the Obligors of any and all
terms and provisions of this Note or any agreement securing the repayment of
this Note.

      13. Governing Law. This Note shall be governed by the laws of the State of
Connecticut.

      14. Replacement Note. Upon receipt of an affidavit of an officer of Lender
as to the loss, theft, destruction or mutilation of this Note or any other Loan
Document which is not of public record, and, in the case of any such mutilation,
upon cancellation of this Note or other Loan Document, or in the case of any
such loss, theft or destruction, upon an agreement by the holder thereof to
indemnify Obligors for losses in connection therewith, Obligors will issue, in
lieu thereof, a replacement Note or other Loan Document in the same principal
amount thereof and otherwise of like tenor.

      15. Joint and Several Liability. All obligations, covenants and agreements
of the Obligors pursuant to this Note or any of the other Loan Documents shall
be the joint and several obligations, covenants and agreements of each of the
Obligors.

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      16. Agency Agreement. The provisions of this Note and all payments made
under this Note shall be subject to the terms of the Agency Agreement.

      17. Amended and Restated Note. This Note is issued in replacement of and
amends, restates and supercedes in its entirety that certain Revolving Line of
Credit Note dated March 5, 2003 of Holdings, Crystal Rock Spring Water Company,
which has merged with and into Holdings, and Vermont Pure Springs, Inc., which
has merged with and into Holdings, payable to the order of the Lender in the
original principal amount of $____________ (the "Existing Note"); provided
however that such amendment, restatement, and replacement of the Existing Note
shall in no way be construed as a novation of the indebtedness of the Obligors
under the Existing Note.

      18. Prejudgment Remedy and Other Waivers. EACH OBLIGOR ACKNOWLEDGES THAT
THE LOAN EVIDENCED BY THIS NOTE IS A COMMERCIAL TRANSACTION AND WAIVES ITS RIGHT
TO NOTICE AND HEARING UNDER CHAPTER 903a OF THE CONNECTICUT GENERAL STATUTES, OR
AS OTHERWISE ALLOWED BY ANY STATE OR FEDERAL LAW WITH RESPECT TO ANY PREJUDGMENT
REMEDY WHICH LENDER MAY DESIRE TO USE, AND FURTHER, WAIVES DILIGENCE, DEMAND,
PRESENTMENT FOR PAYMENT, NOTICE OF NONPAYMENT, PROTEST AND NOTICE OF PROTEST,
AND NOTICE OF ANY RENEWALS OR EXTENSIONS OF THIS NOTE, ALL SURETYSHIP DEFENSES
AND ALL RIGHTS UNDER ANY STATUTE OF LIMITATION. EACH OBLIGOR ACKNOWLEDGES THAT
IT MAKES THIS WAIVER KNOWINGLY, VOLUNTARILY, WITHOUT DURESS AND ONLY AFTER
CONSIDERATION OF THE RAMIFICATIONS OF THIS WAIVER WITH ITS ATTORNEYS.

      19. Jury Waiver. EACH OBLIGOR AND LENDER MUTUALLY HEREBY KNOWINGLY,
VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT TO A TRIAL BY JURY IN RESPECT OF
ANY CLAIM BASED HEREON, ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS NOTE OR
ANY OTHER LOAN DOCUMENTS CONTEMPLATED TO BE EXECUTED IN CONNECTION HEREWITH OR
ANY COURSE OF CONDUCT, COURSE OF DEALINGS, STATEMENTS (WHETHER VERBAL OR
WRITTEN) OR ACTIONS OF ANY PARTY. THIS WAIVER CONSTITUTES A MATERIAL INDUCEMENT
FOR LENDER TO ACCEPT THIS NOTE AND MAKE THE LOAN. EACH OBLIGOR ACKNOWLEDGES THAT
IT MAKES THIS WAIVER KNOWINGLY, VOLUNTARILY, WITHOUT DURESS AND ONLY AFTER
CONSIDERATION OF THE RAMIFICATIONS OF THIS WAIVER WITH ITS ATTORNEYS.

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<PAGE>

      IN WITNESS WHEREOF, the Obligors have caused this Note to be duly executed
as of the ___ day of December, 2004.

                                               VERMONT PURE HOLDINGS, LTD.

                                               By_______________________________
                                                  Name: Timothy G. Fallon
                                                  Title: Chief Executive Officer

                                               CRYSTAL ROCK LLC

                                               By:______________________________
                                                  Name: Timothy G. Fallon
                                                  Title: Manager

                                       6<PAGE>
           SECOND AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING
                     CREDIT AND GOLD CONSIGNMENT AGREEMENT

         THIS SECOND AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING CREDIT
AND GOLD CONSIGNMENT AGREEMENT (this "Amendment") is entered into as of the 31st
day of January, 2005 by and among the banks that are or may from time to time
become parties hereto (individually a "Bank" and collectively, the "Banks"),
LASALLE BANK NATIONAL ASSOCIATION, a national banking association, as
administrative agent ("Administrative Agent") and collateral agent, ABN AMRO
BANK N.V., as syndication agent, JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, as
documentation agent, and WHITEHALL JEWELLERS, INC., a Delaware corporation (the
"Borrower").

                              W I T N E S S E T H:
                               - - - - - - - - - -

         WHEREAS, the Agents (as defined in the Agreement), the Banks and the
Borrower are parties to that certain Second Amended and Restated Revolving
Credit and Gold Consignment Agreement dated as of July 29, 2003, as amended by
that certain First Amendment to Second Amended and Restated Revolving Credit and
Gold Consignment Agreement dated as of March 23, 2004 (collectively, the
"Agreement"); and

         WHEREAS, the Borrower and the Banks have agreed to further amend the
Agreement to, among other items, (i) add an additional reserve in the amount of
$15,000,000 to the Borrowing Base (as defined in the Agreement) and (ii) amend
certain financial and reporting covenants, all in accordance with the terms and
conditions of this Amendment.

         NOW, THEREFORE, for and in consideration of the premises and mutual
agreements herein contained and for the purposes of setting forth the terms and
conditions of this Amendment, the parties, intending to be bound, hereby agree
as follows:

         1. Incorporation of the Agreement. All capitalized terms which are not
defined hereunder shall have the same meanings as set forth in the Agreement,
and the Agreement, to the extent not inconsistent with this Amendment, is
incorporated herein by this reference as though the same were set forth in its
entirety. To the extent any terms and provisions of the Agreement are
inconsistent with the amendments set forth in Paragraph 2 below, such terms and
provisions shall be deemed superseded hereby. Except as specifically set forth
herein, the Agreement shall remain in full force and effect and its provisions
shall be binding on the parties hereto.

         2. Amendment of the Agreement.

                  (a) The first sentence contained within the definition of the
term "Borrowing Base" is hereby amended and restated to read as follows:

                  At the relevant time of reference thereto, an amount
         determined by the Administrative Agent by reference to the most recent
         Borrowing Base Report delivered to the Banks and the Agents pursuant to
         ss.10.4(f), which is equal to the sum of (a) the lesser of (i)
         sixty-five percent (65%) of the net book value

<PAGE>

         (determined on an average cost basis at lower of cost or market) of
         Eligible Inventory and (ii) the sum of (A) sixty percent (60%) of the
         net book value (determined on an average cost basis at lower of cost or
         market) of Eligible Inventory minus the Fair Market Value of Precious
         Metal contained in Eligible Inventory, plus (B) 90% of the Fair Market
         Value of the Precious Metal contained in Eligible Inventory; minus (b)
         the Inventory Shrink Reserve; minus (c) the Layaway Reserve; plus (d)
         85% of Eligible Accounts Receivable; minus (e) an additional Reserve in
         the amount of $15,000,000 (which $15,000,000 Reserve may only be
         amended at the direction of the Required Banks).

                  (b) Section 8.4(f) of the Agreement is hereby amended and
restated to read as follows:

                  (f) within five (5) Business Days following the end of each
         calendar week, or at such earlier time as the Administrative Agent may
         reasonably request, a Borrowing Base Report setting forth the Borrowing
         Base as at the end of such calendar week or other date so requested by
         the Administrative Agent. In addition to the foregoing, within ten (10)
         Business Days after the end of each calendar month or at such earlier
         time as the Administrative Agent may reasonably request (i) a Borrowing
         Base Report setting forth the Borrowing Base as at the end of such
         calendar month or other date so requested by the Administrative Agent,
         (ii) a Consigned Precious Metal Report setting forth (1) the amount of
         the Consigned Precious Metal and Borrower's Precious Metal as of the
         end of such calendar month or other date so requested by the
         Administrative Agent, and (2) a calculation of the Consignment Advance
         Rate Percentage multiplied by the Fair Market Value of the sum of (y)
         Borrower's Precious Metal plus (z) Consigned Precious Metal as of the
         end of such calendar month or other date so requested by the Agents,
         and (iii) a Monthly Inventory Report, in each case together with
         supporting schedules and documentation, with each such Borrowing Base
         Report and Consigned Precious Metal Report to be accompanied by a
         certification by the Controller, Senior Vice President of Finance or
         the principal financial or accounting officer of the Borrower that the
         information contained therein is true and accurate in all respects;

                  (c) Section 10.1 of the Agreement is hereby amended and
restated to read as follows:

                  10.1 Fixed Charge Coverage Ratio. The Borrower will not
         permit, for any period of four consecutive fiscal quarters, the ratio
         of (a) the sum of (i) Consolidated EBITDA for such period plus (ii)
         Consolidated Minimum Store Rent for such period to (b) the sum of (i)
         Consolidated Minimum Store Rent for such period plus (ii) Consolidated
         Cash Interest Expense for such period, to be less than (x) 1.00:1.00
         measured at January 31, 2005 and (y) 1.25:1.00 at the end of each
         fiscal quarter thereafter. Notwithstanding the foregoing, for purposes
         of calculating EBITDA, the Borrower may exclude (i) any cash or
         non-cash charges arising from the application of the Financial
         Accounting Standard Board's Statement No. 5 and (ii) upon approval of
         the Administrative Agent, a deduction

                                       2
<PAGE>

         for cash and non-cash expenses incurred by the Borrower for legal,
         accounting and consultant's fees and expenses arising from the Capital
         Factors Lawsuit and the resulting SEC inquiry and the U.S. Attorney
         investigation associated therewith.

         3. Representations, Warranties and Covenants. The representations and
warranties set forth in Section 7 and all covenants set forth in Sections 8, 9
and 10 of the Agreement shall be deemed remade and affirmed as of the date
hereof by Borrower, except any and all references to the Agreement in such
representations, warranties and covenants shall be deemed to include this
Amendment.

         4. Delivery of Documents/Information. Prior to entering into this
Amendment, Administrative Agent shall have received from Borrower the following
fully executed documents, in form and substance satisfactory to Administrative
Agent and each Bank, and all of the transactions contemplated by each such
document shall have been consummated or each condition contemplated by each such
document shall have been satisfied:

                  (a) this Amendment;

                  (b) Secretary's Certificate of Borrower with resolutions and
incumbency; and

                  (c) such other documents, certificates and opinions as
Administrative Agent may request.

         5. Reference to the Effect on the Agreement.

                  (a) References. Upon the date of this Amendment and on and
after the date hereof, each reference in the Agreement to "this Agreement,"
"hereunder," "hereof," "herein" or words of like import shall mean and be a
reference to the Agreement, as amended hereby.

                  (b) Ratification. As specifically modified above, the
Agreement and all other documents, instruments and agreements executed and/or
delivered in connection therewith shall remain in full force and effect, and are
hereby ratified and confirmed.

         6. Representations and Warranties of the Borrower. Borrower hereby
represents and warrants to Administrative Agent and the Banks as of the date
hereof as follows:

                  (a) The execution and delivery of this Amendment and the
performance by Borrower of its obligations hereunder are within the Borrower's
powers and authority, have been duly authorized by all necessary corporate
action and do not and will not contravene or conflict with the Certificate of
Incorporation or By-laws of Borrower.

                  (b) The Agreement (as amended by this Amendment) and the other
Loan Documents constitute legal, valid and binding obligations enforceable in
accordance with their terms by Administrative Agent and the Banks against
Borrower, and Borrower expressly reaffirms each of its obligations under the
Agreement (as amended by this Amendment) and each of the other Loan Documents,
including, without limitation, the Borrower's Liabilities. Borrower further
expressly acknowledges and agrees that Administrative Agent has a valid, duly

                                       3
<PAGE>

perfected, first priority and fully enforceable security interest in and lien
against each item of Collateral except as otherwise set forth in the Agreement.
Borrower agrees that it shall not dispute the validity or enforceability of the
Agreement (as it was stated before and after this Amendment) or any of the other
Loan Documents or any of its respective obligations thereunder, or the validity,
priority, enforceability or extent of Administrative Agent's security interest
in or lien against any item of Collateral, in any judicial, administrative or
other proceeding;

                  (c) No consent, order, qualification, validation, license,
approval or authorization of, or filing, recording, registration or declaration
with, or other action in respect of, any governmental body, authority, bureau or
agency or other Person is required in connection with the execution, delivery or
performance of, or the legality, validity, binding effect or enforceability of,
this Amendment; and

                  (d) The execution, delivery and performance of this Amendment
by Borrower does not and will not violate any law, governmental regulation,
judgment, order or decree applicable to Borrower and does not and will not
violate the provisions of, or constitute a default or any event of default
under, or result in the creation of any security interest or lien upon any
property of Borrower pursuant to, any indenture, mortgage, instrument, contract,
agreement or other undertaking to which Borrower is a party or is subject or by
which Borrower or any of its real or personal property may be bound.

         7. Fees and Expenses. The Borrower agrees to pay on demand all costs,
fees and expenses of or incurred by the Administrative Agent in connection with
the evaluation, negotiation, preparation, execution and delivery of this
Amendment and the other instruments and documents executed and delivered in
connection with the transactions described herein (including the filing or
recording thereof), including, but not limited to, the reasonable fees and
expenses of counsel for the Administrative Agent, search fees and taxes payable
in connection with this Amendment and any future amendments to the Agreement. In
addition, the Borrower agrees to pay to Administrative Agent, for the benefit of
the Banks, a closing fee of $150,000 upon the execution and delivery of this
Amendment by the Banks which fee shall be fully earned and non-refundable as of
the date of this Amendment.

         8. Counterparts. This Amendment may be executed in two or more
counterparts, each of which shall be deemed an original, and all of which
together shall constitute one and the same instrument.

                            [SIGNATURE PAGE FOLLOWS]

                                       4
<PAGE>
      (SECOND AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AND
                   GOLD CONSIGNMENT AGREEMENT SIGNATURE PAGE)

         IN WITNESS WHEREOF, the parties hereto have duly executed this Second
Amendment to Second Amended and Restated Revolving Credit and Gold Consignment
Agreement as of the date first above written.

                                     WHITEHALL JEWELLERS, INC.

                                     By:  /s/ John R. Desjardins
                                        --------------------------------------
                                     Name: John R. Desjardins
                                          ------------------------------------
                                     Title: Executive Vice President
                                           -----------------------------------

                                     LASALLE BANK NATIONAL
                                     ASSOCIATION, for itself and as
                                     Administrative Agent for the Banks

                                     By:  /s/ Robert Barnhard
                                        --------------------------------------
                                     Name: Robert Barnhard
                                          ------------------------------------
                                     Title: Senior Vice President - Group Head
                                           -----------------------------------

                                     JPMORGAN CHASE BANK, NATIONAL
                                     ASSOCIATION, individually
                                     and as Documentation Agent

                                     By:  /s/ Michael Stevenson
                                        --------------------------------------
                                     Name: Michael Stevenson
                                          ------------------------------------
                                     Title: Vice President
                                           -----------------------------------

                                     ABN AMRO BANK N.V., individually and
                                     as Syndication Agent

                                     By:  /s/ Jeffrey Sarfaty
                                        --------------------------------------
                                     Name: Jeffrey Sarfaty
                                          ------------------------------------
                                     Title: Vice President
                                           -----------------------------------

                                     By:  /s/ Frederick G. Jennings
                                        --------------------------------------
                                     Name: Frederick G. Jennings
                                          ------------------------------------
                                     Title: Vice President
                                           -----------------------------------

<PAGE>
      (SECOND AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AND
              GOLD CONSIGNMENT AGREEMENT SIGNATURE PAGE, CONTINUED)

                                     FLEET RETAIL GROUP, INC., as a Bank

                                     By: /s/ Christine Hutchinson
                                        --------------------------------
                                     Name: Christine Hutchinson
                                          ------------------------------
                                     Title: Vice President
                                           -----------------------------

                                     SOVEREIGN BANK, as a Bank

                                     By:  /s/ Irene A. Ogarek
                                        --------------------------------
                                     Name: Irene A. Ogarek
                                          ------------------------------
                                     Title: Vice President
                                           -----------------------------

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