Document:

<PAGE>
                       LASALLE BANK NATIONAL ASSOCIATION
                            135 SOUTH LASALLE STREET
                               CHICAGO, IL 60603

                                December 15, 2003

Whitehall Jewellers, Inc.
155 North Wacker Drive, Suite 500
Chicago, Illinois  60606
Attention:  John R. Desjardins

         Re:  Whitehall Jewellers, Inc. Credit Agreement

Dear John:

         Reference is hereby made to that certain Second Amended and Restated
Revolving Credit and Gold Consignment Agreement dated as of July 29, 2003 (the
"Credit Agreement") by and among Whitehall Jewellers, Inc. a Delaware
corporation (the "Borrower"), LaSalle Bank National Association, as
administrative agent for the banks ("Banks") party thereto (in such capacity,
"Administrative Agent"), the Banks, ABN AMRO Bank N.V., as syndication agent,
and JP Morgan Chase Bank, as documentation agent. Terms not otherwise defined
herein shall have the meanings assigned to them in the Credit Agreement.

         Pursuant to the request of Borrower, the Agent and the Banks hereby
agree to make a one time amendment to Section 8.4(b) of the Credit Agreement to
extend the required delivery date for the Borrower's quarterly financial
statements solely for the quarter ended October 31, 2003 from December 15, 2003
to December 31, 2003.

         As a condition of the amendment set forth herein, the Borrower hereby
agrees (i) that the LIBOR Applicable Margin set forth in the Credit Agreement
shall be increased 1.50% to 2.00% unless and until further adjustment is
warranted at the next Performance Adjustment Date, and (ii) to deliver to each
of the Banks an additional Borrowing Base Report, in form and substance
acceptable to the Agent, as of the fifteenth (15th) day of each calendar month
for all monthly reporting periods hereafter, which shall be delivered to each of
the Banks on or before the twentieth (20th) day of each month.

         The Borrower hereby acknowledges and agrees that the agreement
contained in this agreement is granted by the Agent and the Banks only for the
limited purpose set forth herein and should not be deemed a waiver or limitation
of any claims, demands, rights or remedies of the Agent and the Banks under the
Credit Agreement or any of the Loan Documents. This agreement is granted only
for the specific instance specified herein and in no manner creates a course of
dealing or otherwise impairs the future ability of the Banks or the Agent to
declare an Event of Default under or otherwise enforce the terms of the Credit
Agreement.

         The agreement set forth herein shall be limited precisely as written
and, no term or provisions herein shall, or shall be deemed or construed to, (i)
be a consent to any waiver,

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amendment or modification of any other term, provision or condition of the
Credit Agreement or the Loan Documents, (ii) affect, impair, operate as a waiver
of, or prejudice any right, power or remedy which Agent or any Bank may now or
hereafter have pursuant to the Credit Agreement or the Loan Documents or any
other document, agreement, security agreement or instrument executed by any
Person in connection with or related thereto, or at law, in equity or by
statute, including, without limitation, with regard to any existing or hereafter
arising Event of Default, (iii) impose upon Agent or any Bank any obligation,
express or implied, to consent to any amendment or further modification of the
Credit Agreement or (iv) be a consent to any waiver of any existing Event of
Default. Agent and the Banks hereby expressly reserve all rights, powers and
remedies specifically given to them under the Credit Agreement or now or
hereafter existing at law, in equity or by statute.

         None of the terms and conditions of this agreement may be changed,
modified, waived, or canceled, except by writing signed by all the parties
hereto, specifying such change, modification, waiver, or cancellation. Except as
otherwise specifically set forth herein, the Credit Agreement and all the Loan
Documents are hereby confirmed and ratified in all respects and shall remain in
full force and effect according to their respective terms.

         This agreement shall not suspend, waive or affect any representation,
warranty, covenant or condition contained in the Credit Agreement. All
provisions, terms and conditions of the Credit Agreement remain in full force
and effect.

         This agreement may be executed in any number of facsimile counterparts,
all of which when taken together shall constitute one instrument.

                            [SIGNATURE PAGE FOLLOWS]

                                       2

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                                              Very truly yours,

Acknowledged and Agreed to
as of this    day of December, 2003           LASALLE BANK NATIONAL
          ----                                ASSOCIATION, for itself and as
WHITEHALL JEWELLERS, INC.                     Agent for the Banks

By:/s/ JOHN DESJARDINS
   -------------------------------            By:/s/ MEG MARION
Name: JOHN DESJARDINS                            -------------------------------
     -----------------------------            Name: MEG MARION
Title:EXECUTIVE VICE PRESIDENT AND                 -----------------------------
      CHIEF FINANCIAL OFFICER                 Title: SENIOR VICE PRESIDENT
      ----------------------------                  ----------------------------

                                              JPMORGAN CHASE BANK, individually
                                              and as Documentation Agent

                                              By:/s/ IRENE B. SPECTOR
                                                 -------------------------------
                                              Name: IRENE B. SPECTOR
                                                   -----------------------------
                                              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
                                                     ---------------------------

                                              FLEET CAPITAL CORPORATION, as a
                                              Bank

                                              By: /s/ BRIAN CONOLE
                                                 -------------------------------
                                              Name: BRIAN CONOLE
                                                   -----------------------------
                                              Title: SR. VICE PRESIDENT
                                                    ----------------------------

                                              SOVEREIGN BANK, as a Bank

                                              By: /s/ IRENE A. OGAREK
                                                 -------------------------------
                                              Name:IRENE A. OGAREK
                                                   -----------------------------
                                              Title: VICE PRESIDENT
                                                    ----------------------------

                                        3exv4wxdy

 

Exhibit 4(d)

[ Logo ]

	 	 	 
	NUMBER

SPECIMEN	 	
SHARES

SPECIMEN

	 	 	 
	PAR VALUE $.01 PER SHARE	 	
SEE REVERSE FOR
	 	 	
CERTAIN DEFINITIONS
	INCORPORATED UNDER THE LAWS

OF THE STATE OF DELAWARE	 	 
	 	 	
CUSIP          

FAIR ISAAC CORPORATION

	 	 	 
	This Certifies that	 	
  SPECIMEN

	 	 	 
	is the owner of	 	
  SPECIMEN

FULLY PAID AND NONASSESSABLE SHARES OF COMMON STOCK OF

Fair Isaac Corporation, transferable upon the books of the Corporation by the
holder hereof in person or by duly authorized attorney upon surrender of this
certificate properly endorsed. This certificate is not valid until countersigned
and registered by the transfer agent and the registrar.

     The Corporation will furnish without charge to each stockholder who so
requests the powers, designations, preferences and relative, participating,
optional or other special rights of each class of stock or series thereof and
the qualifications, limitations or restrictions of such preferences and/or
rights.

     WITNESS the facsimile seal of the Corporation and the facsimile
signatures of its duly authorized officers.

     Dated:

	 	 	 	 	 
	COUNTERSIGNED AND REGISTERED:	 	 	 	PRESIDENT AND CHIEF EXECUTIVE OFFICER
	 	 	 	 	 
	                 TRANSFER AGENT AND	 	 	 	 
	                  REGISTRAR	 	 	 	VICE PRESIDENT AND CHIEF FINANCIAL OFFICER
	 	 	 	 	 
	        AUTHORIZED OFFICER	 	
SEAL	 	 

 

 

     The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

	 	 	 	 	 	 	 	 	 	 	 	 
	     TEN COM	 	
-as tenants in common
	 	UNIF GIFT MIN ACT -
	 	 	 	 	Custodian	 	 	 
	 	 	 	 	 	 	

	 	

	 	 	 	 	 	 	(Cust)
	 	(Minor)
	     TEN ENT	 	-as tenants by the entireties	 	 	 	Under Uniform Gifts to Minors Act
	 
	 	 	 	 	 	 	

	 	 	 	 	 	 	(State)
	     JT TEN	 	
-as joint tenants with right	 	 	 	 	 	 	 	 	 	 
	 	 	of survivorship and
not as
	 	UNIF TRF MIN ACT -	 	 	 	 	Custodian (until age     
            
             
     )
	 	 	tenants in common	 	 	 	

	 	

	 	 	 	 	 	 	(Cust)	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	Under Uniform Transfers to
	 	 	 	 	 	 	
	 	 	 
	 	 	 	 	 	 	(Minor)	 	 	 	 	 	 
	 	 	Additional abbreviations may also be used though not in the above list. 	 	Minors Act	 	 	 	 	 	 

	 	 	 	 	 
	 	 	For value received,
___________________________ hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER

     IDENTIFYING NUMBER OF ASSIGNEE

(NAME AND ADDRESS OF ASSIGNEE SHOULD BE PRINTED)

	 	 	 
	 	 	
Shares
	
	 	 
	of the stock represented by the within Certificate and do hereby
irrevocably constitute and appoint
	 	 	
Attorney
	
	 	 
	to transfer the said stock on the books of the within-named Corporation, with
full power of substitution in the premises.

	 	 	 	 	 	 	 	 	 	 	 
	Dated	 	 	 	 	20	 	 	 	 	 
	 	

	 	
	 	 	 
	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	SIGNATURE
	 	 	 	 	 	 	 	 	 	 	

SIGNATURE
	 	 	 	 	 	 	 	 	 	 	

	 	 	 	 	 	 	 	 	 	 	NOTICE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE
NAME(S) AS WRITTEN UPON THE FACE OF
THE CERTIFICATE IN EVERY PARTICULAR
WITHOUT ALTERATION OR ENLARGEMENT
OR ANY CHANGE WHATEVER.

	 	 	 
	Signature(s) Guaranteed
	By	 	 
	 	

THE SIGNATURE(S) MUST BE GUARANTEED BY AN ELIGIBLE GUARANTOR INSTITUTION (BANKS,
STOCKBROKERS, SAVINGS AND LOAN ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP IN
AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM) PURSUANT TO S.E.C. RULE
17Ad-15.

     This certificate also evidences and entitles the holder hereof to
certain Rights as set forth in a Rights Agreement between Fair Isaac Corporation
(the “Company”) and Mellon Investor Services LLC (the “Rights Agent”), dated as
of August 9, 2001 or as subsequently amended (the “Rights Agreement”), the terms
of which are hereby incorporated herein by reference and a copy of which is on
file at the principal offices of the Company. Under certain circumstances, as
set forth in the Rights Agreement, such Rights may be redeemed, may expire, or
may be evidenced by separate certificates and will no longer be evidenced by
this certificate. The Company will mail to the holder of this certificate a copy
of the Rights Agreement without charge after receipt of a written request
therefor. Under certain circumstances, Rights “Beneficially Owned” by “Acquiring
Persons” (as such terms are defined in the Rights Agreement) or certain related
parties, as well as subsequent holders of such Rights may become null and void.

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