Document:

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                                                                  EXHIBIT 10.2.2

                        SPLIT -DOLLAR INSURANCE AGREEMENT

                  THIS AGREEMENT is made this 27th day of May, 1994, by and
among FABRI-CENTERS OF AMERICA, INC., an Ohio corporation ("FCA "), ALAN
ROSSKAMM, an individual residing in the State of Ohio ("Rosskamm"), and DAVID J.
HOOKER, an individual residing in the State of Ohio (the "Trustee"), acting in
his capacity as trustee of the trust created under the Alan D. Rosskamm
Irrevocable Trust Agreement dated May 23, 1994 (the "Trust").

                  WHEREAS, Rosskamm is employed by FCA as its Chairman,
President, and Chief Executive Officer;

                  WHEREAS, Rosskamm desires to provide for the receipt of life
insurance proceeds by the beneficiaries of the Trust following the death of the
last to die of Rosskamm and his wife, Barbara Rosskamm ("Barbara");

                  WHEREAS, the Compensation Committee of the Board of Directors
of FCA has determined that it is appropriate to enter into this Agreement as
part of the overall compensation and benefits to be provided to Rosskamm by FCA
for his services to FCA and has authorized the participation by FCA in the split
dollar arrangement documented by this Agreement, contingent upon Rosskamm's
effective waiver of all rights under the Supplemental Retirement Plan dated
April 1, 1979, that has heretofore been in effect for the benefit of Rosskamm;
and

                  WHEREAS, the Trustee desires to enter into this Agreement,

                  NOW, THEREFORE, in consideration of the services rendered and
to be rendered by Rosskamm to FCA and of the mutual covenants contained herein,
the parties hereto agree as follows:

                  1.Purchase of Insurance. The Trustee shall purchase from The
Northwestern Mutual Life Insurance Company (the "Insurance Company") a Survivor
Joint Life policy of insurance with the face amount of $7,500,000 (the "Base
Face Amount"), the proceeds of which will be payable upon the death of the
second to die of Rosskamm and Barbara (the "Policy"). The Trustee shall be the
sole owner of the Policy, subject only to such rights as may be granted to FCA
under the collateral assignment of the Policy as contemplated in Section 5,
below.

                  2. Premium Payments. Unless the proceeds of the Policy have
earlier become payable by reason of the death of the last to die of Rosskamm and
Barbara, the Company shall pay at least ten annual premiums on the Policy. The
Company may have to pay more than ten annual premiums on the Policy if, on or
after the tenth anniversary of the effective date of the Policy (the "Effective
Date"), the cash surrender value test specified in Section 2.2 has not been met.

                           2.1 FCA's Share of the Premiums for the First Ten
                  Years of the Policy. On the Effective Date and, unless the
                  proceeds of the Policy have earlier become payable by reason
                  of the death of the last to die of Rosskamm and Barbara, on
                  each of the first through the ninth anniversaries of the
                  Effective Date, FCA shall pay, as its share of the annual
                  premiums on the Policy, a sum equal to (a) $134,179 minus (b)
                  the Trustee's share of the premiums for that year determined
                  as provided in Section 2.3, below (so that the aggregate
                  amount of premiums paid by FCA pursuant to this Section 2.1
                  through the ninth anniversary of the Effective Date will be
                  $1,341,790 minus the aggregate amount of the Trustee's share
                  of the premiums for that same period).

                           2.2 FCA's Share of the Premiums After the First Ten
                  Years of the Policy. Thirty days in advance of the tenth
                  anniversary of the Effective Date a determination shall be
                  made as to whether, based upon the Insurance Company's
                  then-current illustrations and without regard to any further
                  premium payments to be made on the Policy, it appears that the
                  cash surrender value of the Policy on the fifteenth
                  anniversary of the Effective Date will be sufficient:

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                  (a) to allow for a withdrawal from the Policy on the fifteenth
              anniversary of the Effective Date of an amount equal to the
              aggregate amount of FCA' s share of the premiums theretofore paid
              on the Policy, and

                  (b) to provide for the continuation of the Policy with a death
              benefit at least equal to the Base Face Amount, from the date of
              the withdrawal contemplated by (a), through May 30, 2045, without
              borrowing against the Policy and without any partial surrender of
              the Policy.

         If it appears that the cash surrender value is so sufficient, FCA shall
         not make any further payments of premiums on the Policy (other than on
         behalf of the Trustee pursuant to Section 2.3, below). If, however, it
         appears that the cash surrender value is not so sufficient, FCA shall
         pay, on the tenth anniversary of the Effective Date, as its share of
         another annual premium on the Policy, a sum equal to $134,179 minus the
         Trustee's share of the premiums for that additional year (determined as
         provided in Section 2.3, below). If FCA is obligated to make a payment
         on the tenth anniversary of the Effective Date, then the determination
         described in the first sentence of this Section 2.2 shall be made
         again, 30 days in advance of the eleventh anniversary of the Effective
         Date but substituting "eleventh" and "sixteenth" for "tenth" and
         "fifteenth" each place those words appear and if the cash surrender
         value is again found not to be sufficient, FCA shall pay, on the
         eleventh anniversary of the Effective Date, as its share of another
         annual premium on the Policy, a sum equal to $134,179 minus the
         Trustee's share of the premiums for that additional year (determined as
         provided in Section 2.3, below). This process shall be repeated on each
         anniversary of the Effective Date until it is determined, on one such
         anniversary, that the cash surrender value, as projected five years
         into the future, will be sufficient, after which determination FCA
         shall make no further payments of premiums on the Policy (other than on
         behalf of the Trustee pursuant to Section 2.3, below).

                  2.3 The Trustee's Share of the Premiums. In addition to paying
         its own share of the premiums as provided in Section 2.1, FCA shall
         pay, as of the Effective Date and on each anniversary of the Effective
         Date while this Agreement remains in effect, for the account of the
         Trustee, the Trustee's share of the premiums for each year during which
         this Agreement is in effect. At the time of each premium payment by
         FCA, the Trustee shall reimburse FCA for the Trustee's share of the
         premiums. The Trustee's share of the premiums for each year shall be an
         amount equal to the economic benefit of the life insurance protection
         provided to the Trustee under this Agreement for that year. The value
         of that economic benefit shall be calculated by using the Appropriate
         Rates for insurance coverage with a death benefit equal to the amount
         of the proceeds that would be distributable to the Trustee pursuant to
         Section 6 hereof if the proceeds of the Policy became payable by reason
         of the death of the last to die of Rosskamm and Barbara in that year
         (i.e., the amount by which the Policy's current death benefit exceeds
         the aggregate amount of FCA' s share of the premiums paid by FCA
         through the end of that year). For these purposes, the "Appropriate
         Rates" (a) will be the so called U.S. Life Table 38, joint lives, last
         to die formula rates for so long as both Rosskamm and Barbara survive,
         and (b) will be the lower of the P.S. 58 rates or the Insurance
         Company's published yearly renewable term rates for any period during
         which only one of Rosskamm and Barbara survives.

                  3. Term of Agreement, Termination, "Repayment Anniversary".
This Agreement shall be immediately effective when executed by all of the
parties hereto and, unless both Rosskamm and Barbara have earlier died, shall
remain in effect until after the cash surrender value test specified in 3(a),
below, has been met and the Company has thereafter received repayment of all of
its share of the premiums. Assuming the survival of at least one of Rosskamm and
Barbara, the repayment to the Company will be made shortly after the fifteenth
anniversary of the Effective Date if (i) the cash surrender value test specified
in Section 2.2 was earlier met as of the tenth anniversary of the Effective Date
and (ii) the cash surrender value test specified in 3(a), below, is met as of
the fifteenth anniversary of the Effective Date. If either the cash surrender
value test specified in Section 2.2 was not met as of the tenth anniversary of
the Effective Date or the cash surrender value test specified in (a), below, is
not met as of the fifteenth anniversary of the Effective Date, the repayment to
the Company will be delayed for at least one and perhaps more years as provided
below in this Section 3. Assuming the survival of at least one of Rosskamm and
Barbara, the repayment to the Company shall be made shortly after that
anniversary of the Effective Date:

                  (a) which is not earlier than five years after that
         anniversary of the Effective Date on which the cash surrender value
         test specified in Section 2.2 was first met, and

<PAGE>

                  (b) on which, based upon the Insurance Company's then-current
         illustrations and without regard to any further premium payments to be
         made on the Policy, it appears that the cash surrender value of the
         Policy is sufficient:

                  (i) to allow for a withdrawal from the Policy of the aggregate
         amount of FCA's share of the premiums theretofore paid by on the
         Policy, and

                  (ii) to provide for the continuation of the Policy with a
         death benefit at least equal to the Base Face Amount, from the date of
         the withdrawal contemplated by (a), through May 30, 2045 without
         borrowing against the Policy and without any partial surrender of the
         Policy.

                  If at least one of Rosskamm and Barbara survive through an
                  anniversary of the Effective Date on which clauses (a) and (b)
                  above are satisfied, that anniversary shall be designated, for
                  purposes of this Agreement, as the "Repayment Anniversary"
                  and, unless neither Rosskamm nor Barbara thereafter survives
                  through the date the repayment referred to in Section 7 (the
                  "Repayment") is made to FCA, this Agreement shall terminate on
                  the date the Repayment is made. If both Rosskamm and Barbara
                  die before the date the Repayment is made, this Agreement
                  shall terminate upon the payment of all of the proceeds of the
                  Policy in accordance with Section 6 hereof.

                  4. Dividends. The Policy shall provide that dividends payable
with respect to the Policy shall be applied to purchase paid-up additional
insurance protection.

                  5. Collateral Assignment. To secure the repayment to FCA of
its share of the premiums, the Trustee has assigned the Policy to FCA as
collateral by execution of an assignment substantially in the form of the
Collateral Assignment form attached to this Agreement as Exhibit A.

                  6. Payment of Proceeds. Upon the death of the last to die of
Rosskamm and Barbara while this Agreement remains in effect, the proceeds of the
Policy shall be paid as follows:

                  6.1 To FCA, an amount equal to the aggregate amount of FCA's
         share of the premiums paid by FCA through the date on which the
         proceeds of the Policy become payable; and

                  6.2 To the beneficiary or beneficiaries designated by the
         Trustee, the balance of the proceeds of the Policy and of any
         additional insurance purchased pursuant to Section 4 hereof, after
         payment of the applicable amount to FCA pursuant to Section 6.1.

                  7. Repayment of Premiums to FCA. Not earlier than 30 days nor
more than 60 days after the occurrence of the Repayment Anniversary, as defined
in Section 3, above, the Trustee shall repay FCA an amount equal to the
aggregate amount of FCA's share of the premiums theretofore paid on the Policy,
except that if the last to die of Rosskamm and Barbara dies before the repayment
is made, this Section 7 shall not apply and the proceeds of the Policy shall be
paid as provided in Section 6, above.

                  8. Waiver of Rights Under SRP. Rosskamm, for himself and his
heirs, assigns, and beneficiaries, hereby unconditionally waives all rights
under the Supplemental Retirement Plan that has heretofore been in effect for
the benefit of Rosskamm (the "SRP") and acknowledges that no payments will ever
be made by FCA under the SRP to or with respect to Rosskamm.

                  9. Liability of Insurance Company. Each of the parties to this
Agreement hereby acknowledges that in issuing any Policy of insurance pursuant
to this Agreement, the Insurance Company shall have no liability except as set
forth in the Policy. The Insurance Company shall not be bound to inquire into or
take notice of any of the covenants herein contained as to the Policy or as to
the application of the proceeds of the Policy. Rights under the Policy may be
exercised during the life of the last to die of Rosskamm and Barbara pursuant to
the provisions of the Policy. Upon the death of the last to die of Rosskamm and
Barbara, the Insurance Company shall be discharged from all liability on payment
of the proceeds in accordance with the Policy provisions without regard to this
Agreement or any amendment thereof.

<PAGE>

                  10. Amendment. This Agreement may not be amended or (except as
provided in the last two sentences of Section 3) terminated, without the express
written consent of FCA, the Trustee, and Rosskamm (or, in the case of Rosskamm,
his legal representative).

                  11. Binding Nature. This Agreement shall bind and inure to the
benefit of FCA and its successors and assigns; Rosskamm and his heirs,
executors, administrators, and assigns; the Trustee; and any Policy beneficiary.
This Agreement does not constitute an employment agreement between the Company
and Rosskamm and neither Rosskamm nor the Company shall have any obligations to
the other by reason of or arising out of this Agreement except as is expressly
set forth in this Agreement. All of the obligations of the parties under this
Agreement (including, without limitation, FCA's obligation to make premium
payments at the times and in the amounts specified above) shall continue in
effect whether or not Rosskamm continues to be employed by FCA during the term
of this Agreement.

                  IN WITNESS WHEREOF the parties hereto have executed this
Agreement as of the date first above written.

                                      Fabri-Centers of America, Inc.

                                      By: /s/ ROBERT L. NORTON
                                          -------------------------------

                                      /s/ DAVID J. HOOKER
                                      -----------------------------------
                                      David J. Hooker, Trustee
                                      U/A May 23, 1994

                                      /s/ ALAN ROSSKAMM
                                      -----------------------------------
                                      ALAN ROSSKAMM

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                                    EXHIBIT A

                              COLLATERAL ASSIGNMENT

                ASSIGNMENT OF LIFE INSURANCE POLICY AS COLLATERAL

A. For Value Received the undersigned hereby assigns, transfers, and sets over
   to FABRI-CENTERS OF AMERICA, INC., an Ohio corporation (the" Assignee"),
   Policy No. 12-969-815 issued by The Northwestern Mutual Life Insurance
   Company (the " Insurance Company") and any supplementary contracts issued in
   connection therewith (the "Policy"), upon the lives of Alan Rosskamm and his
   wife, Barbara Rosskamm, of Pepper Pike, Ohio, and all claims, options,
   privileges, rights, and title inherent therein and thereunder (except as
   provided in Paragraph C hereof) subject to all the terms and conditions of
   the Policy and to all superior liens, if any, which the Insurance Company
   may have against the Policy. The undersigned by this instrument agrees and
   the Assignee by the acceptance of this assignment agrees to the conditions
   and provisions herein set forth.

B. Without detracting from the generality of the foregoing, the following
   specific rights are included in this assignment and pass by virtue hereof:

         1. The sole right to collect from the Insurance Company the net
         proceeds of the Policy when it becomes a claim by death or maturity;

         2. The sole right to surrender the Policy and receive the surrender
         value thereof at any time provided by the terms of the Policy and at
         such other times as the Insurance Company may allow;

         3. The sole right to obtain one or more loans or advances on the
         Policy, either from the Insurance Company or, at any time, from other
         persons, and to pledge or assign the Policy as security for such loans
         or advances;

         4. The sole right to collect and receive all distributions or shares of
         surplus, dividend deposits, or additions to the Policy now or hereafter
         made or apportioned thereto, and to exercise any and all options
         contained in the Policy with respect thereto; provided, that unless and
         until the Assignee shall notify the Insurance Company in writing to the
         contrary, the distributions or shares of surplus, dividend deposits and
         additions shall continue on the plan in force at the time of this
         assignment; and

         5. The sole right to exercise all nonforfeiture rights permitted by the
         terms of the Policy or allowed by the Insurance Company and to receive
         all benefits and advantages derived therefrom.

C. The following specific rights, so long as the Policy has not been
   surrendered, are reserved and excluded from this assignment and do not pass
   by virtue hereof:

         1. The right to designate and change the beneficiary;

         2. The right to elect any optional mode of settlement permitted by the
         Policy or allowed by the Insurance Company;

but the reservation of these rights shall in no way impair the right of the
Assignee to surrender the Policy completely with all its incidents or impair any
other right of the Assignee hereunder, and any designation or change of
beneficiary or election of a mode of settlement shall be made subject to this
assignment and to the rights of the Assignee hereunder.

D. This assignment is made and the Policy is to be held as collateral security
for the liabilities of the undersigned to the Assignee pursuant to the
Split-Dollar Insurance Agreement entered into on May 27, 1994, by and among the
Assignee Alan Rosskamm, and the undersigned (the "Liabilities").

E. The Assignee covenants and agrees with the undersigned as follows:

         1.  That any balance of sums received hereunder from the Insurance
             Company remaining after payment of the then existing
             Liabilities shall be paid by the Assignee to the persons
             entitled thereto under the terms of the Policy had this
             assignment not been executed;

<PAGE>

         2. That the Assignee will not exercise either the right to surrender
         the Policy or the right to obtain Policy loans from the Insurance
         Company, until there has been default in the Liabilities or a failure
         by the undersigned to pay any premium when due, nor until 45 days after
         the Assignee shall have mailed, by first class mail, to the undersigned
         at the address last supplied in writing to the Assignee specifically
         referring to this assignment, notice of intention to exercise such
         right, and then only to the extent necessary to satisfy the Liabilities
         or pay the unpaid premiums that the undersigned is obligated to pay
         under the Split-Dollar Agreement referred to above, and

         3. That the Assignee will upon request forward without unreasonable
         delay to the Insurance Company the Policy for endorsement of any
         designation or change of beneficiary or any election of an optional
         mode of settlement.

F. The Insurance Company is hereby authorized to recognize the Assignee's claims
to rights hereunder without investigating the reason for any action taken by the
Assignee, or the validity or the amount of the Liabilities or the existence of
any default therein, or the giving of any notice under Paragraph D(2) above or
otherwise, or the application to be made by the Assignee of any amounts to be
paid to the Assignee. The sole signature of the Assignee shall be sufficient for
the exercise of any rights under the Policy assigned hereby and the sole receipt
of the Assignee for any sums received shall be a full discharge and release
therefor to the Insurance Company. Checks for all or any part of the sums
payable under the Policy and assigned herein, shall be drawn to the exclusive
order of the Assignee if, when, and in such amounts as may be, requested by the
Assignee.

G. The exercise of any right, option, privilege or power given herein to the
Assignee shall be at the option of the Assignee, but (except as restricted by
Paragraph E(2) above) the Assignee may exercise any such right, option,
privilege or power without notice to, or assent by, or affecting the liability
of, or releasing any interest hereby assigned by the undersigned.

H. The Assignee may take or release other security, may release any party
primarily or secondarily liable for any of the Liabilities, may grant
extensions, renewals or indulgences with respect to the Liabilities, or may
apply to the Liabilities in such order as the Assignee shall determine, the
proceeds of the Policy hereby assigned or any amount received on account of the
Policy by the exercise of any right permitted under this assignment, without
resorting or regard to other security .

I. In the event of any conflict between the provisions of this assignment and
provisions of the note or other evidence of any Liability, with respect to the
Policy or rights of collateral security therein, the provisions of this
assignment shall prevail.

J. The undersigned declares that no proceedings in bankruptcy are pending
against him and that his property is not subject to any assignment for the
benefit of creditors.

                  IN WITNESS WHEREOF, the Assignor and the Assignee have
executed this Assignment on the date first above written.

                                               /s/ DAVID J. HOOKER
                                               ------------------------
                                               David J. Hooker, Trustee
                                               May 23, 1994

                                               Fabri-Centers of America, Inc.

                                               By: /s/ ROBERT L. NORTON
                                                   --------------------<PAGE>

                                                                    EXHIBIT 10.3

                             SPLIT DOLLAR AGREEMENT

         THIS AGREEMENT made this 22nd day of September, 1984, between
Fabri-Centers of America, Inc. ("Corporation"), an Ohio corporation, and Alma
Zimmerman ("Employee"). This Agreement involves a life insurance policy number
4839069 ("Policy") with an initial face amount of $1,800,000 insuring the life
of Alma Zimmerman purchased from Great West Life Assurance Company ("Insurance
Company").

     1. Description of Policy and Ownership. The Policy has or will be issued in
such form that the Employee (or her designee) shall be named as the owner.
Except as modified by this Agreement, the Employee or her designee as owner, is
entitled to exercise all of the rights available under the Policy. For example,
the Employee or her designee is entitled to designate the beneficiary of the
Policy and is entitled to change the beneficiary.

     2. Premiums. The Corporation may, in its discretion, from time to time
advance to the Employee a sum of money equal to all or a portion of the premium
on the Policy. At the request of the Employee, the Corporation may, in its
discretion, pay such advances directly to the Insurance Company.

     3. Corporation's Rights. In exchange for such advances, the Corporation
shall have the limited rights described in this paragraph. The Corporation shall

     (1)  upon surrender of the Policy,

     (2)  upon termination of this agreement prior to the death of the insured
          or

     (3)  upon the death of the insured prior to surrender of the Policy or
          termination of this Agreement

have the right to payment for the surrender or death proceeds of the Policy an
amount equal to the sum of the unrepaid advances the Corporation has made under
this Agreement. Such payment to the Corporation shall be made at the time of the
surrender of the Policy or at the time of the death of the insured. The Employee
may, however, in his discretion, make such payment to the Corporation at any
earlier time. Such payment to the Corporation from the Policy proceeds or from
the Employee shall be a complete discharge of all obligations under this
Agreement. Upon receipt of such payment, the Corporation shall execute a release
of the assignment of the Policy. The Corporation's rights in the Policy shall be
satisfied first from paid-up additions, if any, and then from guaranteed values.
The Corporation shall have no right to surrender the Policy, no right to borrow
from the Policy, no right to pledge the Policy as collateral, and no right to
assign its rights to anyone other than the owner of the Policy.

     4. Assignment. The Corporation's rights shall be evidenced by an Assignment
signed by the owner of the Policy. The Corporation shall take no action that
would endanger the interest of the Employee or her designee under the Policy, or
the payment to the beneficiary of that portion of the Policy proceeds provided
by this Agreement.

     5. Termination. This Agreement shall terminate on the eighth (8th)
anniversary of the date of issue of the Policy as shown on the Policy. Further,
either the Corporation or the Employee may terminate this Agreement at any time
following thirty (30) days written notice to the other party.

     6. Successors and Assigns. All the Corporation's rights under this
Agreement will pass to and this Agreement will be binding upon the Corporation's
successors and assigns. All the Employee's rights under this Agreement will pass
to and this Agreement will be binding upon the Employee's assigns, heirs,
beneficiaries, executors and administrators.

     Signed and effective the day and date first written above.

                                        By: /s/ MARTIN ROSSKAMM
                                           -----------------------------------
                                                                     President

                                           /s/ ALMA ZIMMERMAN
                                           -----------------------------------
                                                                Alma Zimmerman

<PAGE>

                        ASSIGNMENT FOR SPLIT DOLLAR PLAN

     FOR VALUE RECEIVED the Undersigned hereby assigns to Fabri-Center of
America. Inc. an Ohio corporation ("Assignee"). Policy No. 4839069 issued by
Great West Life Assurance Company, ("Insurer") on the life of Alma Zimmerman and
all supplemental contracts ("Policy") as security for those rights of the
Assignee arising under the terms or the Split-Dollar Agreement between the
Undersigned and the Assignee dated September 22, 1984, subject to all the terms
and conditions of the Policy and to all superior liens, if any, which the
Insurer may have against the Policy.

     This Assignment is being made solely for the purpose of evidencing the
rights of Assignee.

     The Insurer shall have the right to rely upon a sworn statement of an
officer of the Assignee setting forth the amount to which the Assignee claims to
be entitled to receive from the Policy proceeds. The sole receipt of the
Assignee for any sums received shall be a full discharge and release therefore
to the Insurer. Checks for all or any part or the sums payable under the Policy
and assigned herein. shall be drawn to the exclusive order of the Assignee.

         Signed and effective this 19th day of October, 1984.

                                 FABRI-CENTERS OF AMERICA, INC.

                                    By: /s/ MARTIN ROSSKAMM
                                        -------------------------------------
                                                                    President

                                          /s/ ALMA ZIMMERMAN
                                          -----------------------------------
                                                               Alma Zimmerman

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