Document:

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                                                                    Exhibit 10.4
                                                               Execution Version

                 MULTI-YEAR PERFORMANCE INCENTIVE BONUS ADDENDUM

      This Addendum Agreement between Larry Pollock ("Pollock") and Cole
National Corporation ("Cole National") has been negotiated between Pollock and
Cole National pursuant to Paragraph 4(b)(ii) and Exhibit A of Pollock's
Employment Agreement (the "Employment Agreement"). The agreed upon terms
covering the period of February 1, 2003 to February 1, 2005 (the "Bonus Period")
are as follows:

1.    The terms of Exhibit A are incorporated herein and made a part of this
      Addendum Agreement.

2.    Seventy-five percent (75%) of the Multi-Year Performance Incentive Bonus
      for the Bonus Period shall be quantitative and twenty-five percent (25%)
      shall be qualitative.

      (a).  The quantitative component of the bonus shall be based upon the
            Lehman Projections presented to the parties on August 14, 2003. In
            order to earn the target bonus set forth in Exhibit A of the
            Employment Agreement, Pollock must achieve the Lehman Plan
            objectives for the Bonus Period, and if those objectives are not
            achieved Pollock shall receive no bonus under this Addendum
            Agreement. In order to earn the maximum bonus set forth in Exhibit A
            of the Employment Agreement, Pollock must achieve the Lehman
            Aggressive objectives for the Bonus Period. If results are in
            between the two objectives the bonus amount to be paid to Pollock
            will be prorated and paid out on a straight-line basis. Expenses
            related to a "change of control" (as defined in the Employment
            Agreement) or an aborted "change of control" shall be excluded from
            the results. The quantitative component will be determined one-half
            (1/2) by EBITDA and one-half (1/2) by Return on Capital
            (calculated by EBITDA as a percentage of capital, both equity and
            debt), each measured during the Bonus Period.

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                                                                    Exhibit 10.4
                                                               Execution Version

            Each of these two measurements will be weighed equally in
            determining and calculating the quantitative component of the bonus.

      (b).  The qualitative component of the bonus shall be based at the sole
            discretion of Cole National's Compensation Committee and can range
            from zero to 100% of the potential contractual formula. The
            performance areas that will be considered for Pollock to earn the
            qualitative component of the bonus include tailored marketing and
            programming for franchisees, leadership development, and effective
            Board interaction.

3.    Anything contained in this Addendum or in the Employment Agreement to the
      contrary notwithstanding, in the event that a change of control occurs
      during the Bonus Period, Pollock shall receive a bonus payment in the
      amount of $500,000, (such amount being referred to herein as the "COC
      Incentive Bonus Payment"). The COC Incentive Bonus Payment shall be paid
      to Pollock within ten (10) days following the change of control.
      Furthermore, in the event of a change of control during the Bonus Period,
      any COC Incentive Bonus Payment paid to Pollock pursuant to the
      immediately preceding sentence, shall be credited against the multi-year
      performance incentive bonus, if any, that Pollock earns for the Bonus
      Period in the event Pollock continues to be employed under the Employment
      Agreement for the duration of the Bonus Period following the change of
      control. If Pollock does not continue to be employed by Cole National or
      any of its affiliates through the end of the Bonus Period, Pollock will
      not be entitled to any additional bonus payments (other than the COC
      Incentive Bonus Payment) under this Addendum for the Bonus Period. The
      payment of the COC Incentive Bonus Payment under this paragraph shall be
      disregarded in calculating the payments required to be made

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                                                                    Exhibit 10.4
                                                               Execution Version

      to Pollock pursuant to Paragraph 6(c) of the Employment Agreement.
      However, for purposes of Section 7 of the Employment Agreement, the
      payment of the COC Incentive Bonus Payment shall be deemed to have been
      made pursuant to Section 6(c) of the Employment Agreement.

4.    In the event of any extraordinary developments which impact retailers
      generally, or extraordinary internal developments which impact operations
      of Cole National, Pollock can request the Compensation Committee of Cole
      National to re-establish the quantitative terms set forth in this Addendum
      Agreement. Any such request must be in writing and any agreed upon
      adjustment to the quantitative terms must also be in writing and signed by
      both parties in order to be effective. Notwithstanding the foregoing, the
      Compensation Committee shall have no obligation to make any such
      adjustment.

      IN WITNESS WHEREOF, the parties have executed this Addendum Agreement on
the 26th day of November, 2003.

COLE NATIONAL CORPORATION

BY: /s/ Leslie D. Dunn
   -----------------------------
   Senior Vice President

LARRY POLLOCK, individually

BY: /s/ Larry Pollock
   -----------------------------

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                                                                    EXHIBIT 10.6

                         LETTER OF CREDIT REIMBURSEMENT
                             AND SECURITY AGREEMENT

In consideration of the issuance, from time to time, at our request of a Credit
(hereinafter defined) in accordance with the terms of any Letter of Credit
Application (hereinafter defined) prepared by us and presented to the Issuer
(hereinafter defined), we hereby represent, warrant and agree as follows:

 1. DEFINITIONS: The following definitions shall apply herein:

"ACCOUNT PARTIES" is defined in Paragraph 18 below.

"BANK LIABILITIES" is defined in Paragraph 10 below.

"CREDIT" means the letter of credit described in our Letter of Credit
Application to be issued by the Issuer in accordance with the instructions
received by the KeyCorp affiliate named herein, the terms of which are made a
part hereof and approved by us, as amended from time to time.

"CUSTOMER'S BANK" means the financial institution, if any, (other than the
Issuer) that signs this Agreement and accepts the Letter of Credit Application
for the Credit in its capacity as an account party with us.

"DOCUMENTS" mean any paper, whether negotiable or non-negotiable, including, but
not limited to, all shipping documents, warehouse receipts, documents of title,
(whether or not assigned to Issuer), policies or certificates of insurance, and
other documents, security, invoices and certificates accompanying or relating to
drafts drawn under the Credit and Property shipped, stored, or otherwise
disposed of in connection with the Credit.

"DRAFTS" means any documentary draft drawn under and conditioned upon
presentation of documents required by the Credit, including but not limited to
such drafts accepted by the Issuer.

"ISSUER" means KeyBank National Association or any KeyCorp affiliate that issues
a Credit.

"LETTER OF CREDIT APPLICATION" means any request submitted by us to the Issuer
(in written or electronic form) for the issuance of a Credit for our account.

"PROPERTY" means finished goods, wares and merchandise, finished or unfinished
parts, components, assemblies and any other property that satisfies the
definition of "inventory" under Article 9 of the Uniform Commercial Code as in
effect in the State of New York and which is procured by us through the issuance
of Credits and is covered by any document presented under a Credit and any right
or interest therein; Property in Issuer's possession shall include Property in
possession of Issuer or any other person acting for Issuer.

"REIMBURSEMENT OBLIGATIONS" means our obligation to reimburse the Issuer for all
payments with respect to any sight or time drafts drawn under any Credit, and to
pay all other amounts owing to Issuer under the terms of this Agreement.

"REQUESTS" means any written or oral instruction that the Issuer honor our order
to issue, amend or pay the Credit for our account and risk upon a request
communicated to the Issuer by telephone, telegraph, telex, facsimile
transmission or other electronic means.
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"UNIFORM CUSTOMS" means the Uniform Customs and Practice for Documentary Credits
adopted by the International Chamber of Commerce in force at the time of
issuance of the Credit, as the same may be thereafter amended or replaced.

2. PAYMENT TERMS: The Issuer may accept or pay any draft presented to Issuer,
regardless of when drawn and whether or not negotiated, if such draft, the other
required documents, and any transmittal advice are dated on or before the
expiration date of the Credit, which expiration date shall be expressly stated
in the Credit and not extended in reference to any action or inaction in any
other agreement. Except as instruction may be given by us in writing expressly
to the contrary with regard to, and prior to, the issuance of the Credit, Issuer
may honor, as complying with the terms of the Credit, any instrument or other
documents otherwise in order signed or issued by an administrator, executor,
trustee in bankruptcy, debtor in possession, assignee for the benefit of
creditors, liquidator, receiver, conservator, or other legal representative of
the party authorized under the Credit to draw or issue such instruments or other
documents. We will reimburse Issuer at its main office on demand in United
States Dollars: (A) as to drafts payable in United States Dollars drawn or to be
drawn under the Credit, the amount paid or payable thereon, or (B) as to such
drafts payable in currency other than United States Dollars the equivalent of
the amount paid in United States Dollars at Issuer's selling rate of exchange in
the currency  in which such draft is drawn, (C) any and all other expenses or
charges reasonably incurred by Issuer in issuing or effecting payment of the
Credit, for perfecting or maintaining, and insuring the Property, and for
enforcing Issuer's rights and remedies under this Agreement, (D) interest from
the date of such payment at a rate per annum equal to the Prime Rate of KeyBank
National Association in effect from time to time plus 200 basis points, upon all
our unpaid drafts and other obligations hereunder until paid in full, but in no
event higher than the highest lawful rate permitted by law, and (E) all fees and
charges provided for in the Proposal for Trade Letter of Credit Processing dated
October 6, 2003 made by KeyBank National Association to, and accepted by,
Account Parties (including as the same may be amended or modified from time to
time, the "Proposal"), as such fees and charges may be changed from time to time
in accordance with the terms of the Proposal. Following two (2) days' prior
notice to Account Party, Issuer is authorized to charge the deposit account of
one of the Account Parties maintained with Issuer or any other KeyCorp affiliate
and designated by Account Parties in connection with the Proposal, for the
amount of such draft and all our other Reimbursement Obligations hereunder at
such time as is provided for under the terms of the Proposal. In the event the
balance of collected funds in such account is insufficient to satisfy any such
charge, it is agreed that Issuer or any other KeyCorp affiliate may setoff the
amount due from any other deposit account of any Account Party maintained with
Issuer or any other KeyCorp affiliate or, to the extent that Issuer may have the
right to do so under any other agreement or by law, Issuer may setoff or recover
any Reimbursement Obligations against any other claims of Account Parties
against Issuer, including with respect to any instruments, certificates of
deposit, repurchase agreements and other investments and/or accounts held by or
maintained with Issuer from time to time by Account Parties.

3. INCREASED COSTS: If any law or regulation, or change therein, or
interpretation, administration or enforcement thereof, by any person, agency or
court shall (A) impose upon or modify any reserve or special deposit
requirement, insurance assessment or other requirement against or affecting the
Credit, or (B) impose any tax or withholding of any kind, or (C) impose or
modify any capital requirement, impose any condition upon, supplement to or
increase of any kind to Issuer's capital base, and the result of any such event
increases the cost or decreases the benefit to Issuer of issuing or maintaining
the Credit, then we shall pay to Issuer all such additional amounts upon request
in an amount necessary to compensate Issuer for all such

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increases costs and decreased benefits. Upon our request, Issuer will certify
such amounts. Issuer's certification shall be conclusive absent manifest error.

4. REQUESTS: Requests shall be made by those persons authorized by us. Issuer
shall not be obligated to identify or confirm such persons beyond the use of the
authorized name or code identification if any is established by Issuer or unless
we provide Issuer from time to time a written list of all our authorized
representatives. All requests will be confirmed by Issuer in writing by sending
us a copy of the documents authorized or requested by us. We will promptly
report all discrepancies in such documents upon our receipt of such
confirmation. Issuer may, but shall not be obligated to, assign a unique code
number or word and require such code to be used by us, and thereafter, all
further requests shall refer to such code. Issuer shall not be liable for any
loss which we may incur as a result of Issuer's compliance with any request in
accordance with this Agreement even if unauthorized, provided that Issuer acted
in good faith and exercised reasonable care.

5. MODIFICATION OF THE CREDIT: Any amendment to the terms of the Credit may be
authorized by any one of us without notice to the other account party, but any
increase in the amount of the Credit or extension of the expiration date under
the Credit for presentation of drafts or documents shall only be approved by all
of us, including the Customer's Bank. In any such event this Agreement shall be
binding upon us with regard to the Credit so increased or otherwise amended, to
drafts, documents and Property covered thereby, and to any action taken by
Issuer and any of Issuer's correspondents in accordance with such extension,
increase or other modification.

6. UNIFORM CUSTOMS: Except as otherwise expressly stated in the Credit, we agree
(A) that Issuer and any of Issuer's correspondents may receive and accept as a
"Bill of Lading" under the Credit any document issued or that appears on its
face to have been issued by or on behalf of any carrier which acknowledges
receipt of Property, whatever the specific provisions of such document; and (B)
that Issuer and any of Issuer's correspondents may accept documents of any
character which appears on its face to comply with the current uniform customs,
or which comply with the laws or regulations in force in the customs and usages
of the place of negotiation.

7. SHIPMENT OF PROPERTY: With respect to the Property covered by the Credit; we
agree to procure promptly all necessary import and export licenses or other
licenses, to comply with all foreign and domestic governmental regulations, to
furnish such certificates in that respect that Issuer may reasonably require, to
keep the Property adequately covered by insurance satisfactory to Issuer, and to
cause Issuer to be named as loss payee on all policies or certificates of
insurance covering any such Property at any time and to provide documentation
thereof to Issuer.

8. LIMITED LIABILITY: Neither Issuer nor Issuer's correspondent shall be
responsible: (A) for the existence, character, quality, quantity, condition, or
delivery of the Property purporting to be represented by documents; (B) for any
difference in character, quality, quantity, or condition of the Property from
that expressed in documents; (C) subject to the terms of Section 6 hereof, for
the validity, sufficiency, or genuineness of documents, even if such documents
should in fact prove to be invalid, insufficient, fraudulent or forged; (D) for
time, place, manner or order in which shipment of Property is made; (E) for
partial or incomplete shipment of Property or failure or omission to ship any
Property referred to in the Credit; (F) for the character, adequacy, validity,
value or genuineness of any insurance; (G) for any deviation from instructions,
delay, default or fraud by the shipper or anyone else in connection with the
Property; (H) for the

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solvency, responsibility or relationship to the Property of any party issuing
any documents in connection with the Property; (I) for delay in arrival or
failure to arrive of either the Property or any of the documents relating
thereto; (J) for any breach of contract between the shippers or vendors and
ourselves; (K) for failure of any draft to bear any reference or adequate
reference to the Credit, failure to examine any documents not stipulated in the
Credit or for any consequences associated with the return or forwarding of any
such documents done in accordance with the provisions of Article 13 of the
uniform customs; (L) for errors; omissions, interruptions or delays in
transmission or delivery of any messages or documents by mail, cable, telegraph,
wireless or otherwise; for any errors in translation or interpretation of terms;
or (M) for any other consequences arising from causes beyond Issuer's control,
including, but not limited to, any action or omission by, or any law, regulation
or restriction of, any de factor or de jure domestic or foreign government or
agency.

9. WARRANTIES; INDEMNITY: Each of us represents, warrants, covenants and
confirms that we understand the general nature and operation of a letter of
credit and our obligations, rights and remedies under the Credit, including,
without limitation: (A) Our obligations pursuant hereto to reimburse Issuer for
all payments to the beneficiary, its successors or assigns, (B) Conditions under
which payment under the Credit must be made by Issuer, (C) That Issuer has no
responsibility or liability in connection with any underlying contract or other
transaction between us and the beneficiary of the Credit, and (D) That Issuer is
not acting as an agent or in any fiduciary capacity for or on behalf of us or
the beneficiary, except as otherwise stated herein. Each of us further
represents, warrants, covenants and confirms that (A) our execution, delivery
and performance of this Agreement has been duly authorized and that this
Agreement constitutes a legal, valid and binding obligation of each of us, (B)
this Agreement does not violate or conflict with any other material agreement or
instrument or any judgment, decree or order to which any of us is subject and
(C) so long as Issuer has possession of any document of title, Issuer's security
interest therein and in the Property to which such document applies shall be a
first priority security interest. All our representations, warranties and
indemnities set forth herein shall survive Issuer's issuance of the Credit and
any payment thereunder and shall continue until all our obligations hereunder
are paid in full. We hereby release Issuer from and agree to indemnify and hold
harmless the Issuer, and its officers, agents, and employees for any and all
costs, liabilities and expenses (including reasonable attorney fees) incurred by
Issuer that arise out of or in any way relate to claims asserted against Issuer
or Issuer's correspondent by a third party with respect to (1) any underlying
investments, transaction, and/or contracts between any one of us and the
beneficiary under the Credit or any of its agents and (2) any proper payment in
accordance with the terms of the Credit, any refusal to pay or honor the Credit,
or any other action or omission by Issuer, or Issuer's correspondents or agents
including, but limited to, Issuer's indemnity (as well as any and all costs,
expenses and liabilities associated with such indemnity) in favor of a third
party carrier which may be necessary to cause such carrier to release and
deliver merchandise (described as part of the Credit) without the presentation
of any original bill of lading or the other original documents missing or
otherwise presently unavailable. Notwithstanding the foregoing, it is understood
and agreed that we will not be obligated to indemnify Issuer for any such costs,
liabilities, or expenses (including attorneys' fees) incurred by Issuer to the
extent that they are attributable to Issuer's own gross negligence or willful
misconduct in the performance of its obligations hereunder.

10. SECURITY: As security for payment of all our Reimbursement Obligations and
other liabilities to the Issuer under each Credit and this Agreement, whether
now existing or hereafter arising, whether joint, several independent or
otherwise, and whether absolute or contingent or due or to become due (herein
collectively called the "Bank Liabilities") we hereby assign, pledge and grant
to Issuer and the Customer's Bank, if any, a security interest in, and the right
of

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possession and, in the event default in the payment of the Bank Liabilities, the
right to realize on or dispose of in accordance with applicable law, all of the
following (the "Collateral") (A) All Property shipped, stored or otherwise
disposed of in connection with the Credit, whether or not released to any of us
on trust receipts or otherwise, (B) all documents relating thereto and all of
our rights under such documents and (C) all proceeds of any and all of the
foregoing, including under insurance policies applicable thereto. We will
execute, deliver, and file all further instruments as may be reasonably required
to carry out the purposes of this Agreement. All liens and security interests
herein granted to the Customers' Bank shall be junior to and subordinated in
favor of Issuer's liens and security interest hereunder. It is agreed that upon
payment in full of all Reimbursement Obligations in respect of a Credit, the
Collateral delivered to Issuer under and on account of such Credit shall be
released without any action by Issuer.

11. TRUST RECEIPTS: We acknowledge and agree that we will or have received in
trust from Issuer documents, including but not limited to bills of lading, dock
warrants, dock receipts, or warehouse receipts, from time to time covering
Property which is collateral security for the Bank Liabilities. We acknowledge
that Issuer entrusted or will entrust from time to time to us such documents to
facilitate their ultimate sale or exchange or for the purpose of loading,
unloading, storing, shipping, transshipping, manufacturing, processing or
otherwise dealing with the Property covered by such document(s) in a manner
preliminary to their sale or exchange. Upon any sale or exchange of any
document, we will, upon Issuer's request, promptly remit to Issuer all cash
and/or new documents received in the sale or exchange. Upon any sale or
withdrawal of any Property for which the vendor was paid by use of a time draft
under any Credit from warehouse storage into our inventory for sale and delivery
in the ordinary course of our business, we will deliver to Issuer upon its
request made at any time our Reimbursement Obligations for such time draft have
become due and have not been paid in full (A) All cash from each such sale for
application on the Bank Liabilities secured by such Property; (B) A security
agreement acceptable to Issuer covering all such Property and proceeds thereof
arising from such withdrawal or sale of such Property. As to any Property
continued in public warehouse storage, including the transfer or relocation of
any Property in storage, we will return to Issuer within twenty-one (21) days of
the date of our receipt of applicable documents for such Property the warehouse
receipts covering any remaining Property covered by such documents together with
new warehouse receipts covering any Property so relocated or transferred to
warehouse(s).

12. DEFAULT: In the event that we or any of us: (A) Fails to perform any
obligation required under any agreement or document relating to or evidencing a
security interest in any Property granted to Issuer, (B) Fails to make any
payment required to be made under this Agreement in full when due, (C) Fails to
perform or comply with any obligation under this Agreement other than the
payment of money or any representation or warranty made herein and such failure
continues unremedied for a period of thirty (30) days, (D) Makes any assignment
for the benefit of creditors, (E) Permits or consents to the filing of any
voluntary or involuntary petition in bankruptcy by or against any one of us, (F)
Applies for the appointment of a receiver of any of our assets, or (G) Becomes
insolvent, or ceases, becomes unable or admits in writing our or its inability
to pay its debts as they mature, or if there shall occur any Event of Default
under and as defined in that certain Second Amended and Restated Credit
Agreement dated as of June 27, 2003 among, inter alia, Cole Vision Corporation,
Things Remembered, Inc. and Pearle, Inc, the several Lenders from time to time
Parties thereto and Canadian Imperial Bank of Commerce as Administrative Agent,
including as the same may from time to time be amended, modified and/or
restated, or there shall occur any event of default under any other agreement
evidencing indebtedness of any of us in excess of $5,000,000 at any time in
effect, Issuer may at such time or any time thereafter declare, without demand
or notice which are hereby expressly waived, all

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obligations and liabilities hereunder to be immediately due and payable, and
Issuer is authorized, at its option, to apply (or hold available in escrow) the
proceeds of any Property or other collateral assets, and any other sums due from
Issuer to any one of us, to the payment of any and all our obligations or
liabilities arising under this Agreement. In any such event Issuer shall have
all of the remedies of a secured party under the Uniform Commercial Code in
effect in the State in which the principal office of the Issuer is located and
Issuer is hereby authorized and empowered at its option, at any time or times
thereafter, to sell and assign the whole of the Property, or any part thereof
then constituting security pursuant to any of the terms hereof, at any public or
private sale, at such time and place and upon such terms as Issuer may deem
proper and with the right in Issuer to be the purchaser at such sale to the
extent permitted by applicable law and, after deducting all reasonable legal and
other costs and expenses of any sale conducted in accordance with the terms of
this Agreement and applicable law, to apply the net proceeds of such sale(s) to
the payment of all our Bank Liabilities. The residue, if any, of the proceeds of
sale and any other Property constituting security remaining after satisfaction
of the Bank Liabilities shall be returned to us unless otherwise disposed of in
accordance with written instructions from the Customer's Bank. We agree that,
with or without notification to any of us, Issuer may exchange, release,
surrender, realize upon, release on trust receipt to any of us, or otherwise
deal with any Property by whomsoever pledged, mortgaged or subjected to a
security interest to secure directly or indirectly any of our Bank Liabilities
and/or any offset thereagainst.

13. DISCRETIONARY FACILITY; MAXIMUM EXPOSURE: We understand and agree that (A)
Issuer shall be under no obligation to issue any Credit and that the issuance of
each credit requested by any of us shall be in the sole discretion of Issuer,
(B) without limiting the provisions of the preceding clause (A), Issuer will not
issue any credit if to do so would cause the sum of the stated amounts of all
outstanding Credits and the total amount of Reimbursement Obligations then
outstanding, including Reimbursement Obligations in respect of drafts accepted
by any of us but not then due, to exceed USD7,000,000 and (C) unless otherwise
agreed by Issuer in its sole discretion, and without limitation of Issuer's
other rights and remedies, all Reimbursement Obligations in respect of a Credit
must be satisfied in full by Issuer's receipt of collected funds before Issuer
releases any documents received by Issuer relating to such Credit.

14, NO WAIVER: ISSUER SHALL HAVE NO DUTY TO EXERCISE ANY RIGHT HEREUNDER OR WITH
RESPECT TO ANY PROPERTY, AND ISSUER SHALL NOT BE LIABLE FOR ANY FAILURE TO DO SO
OR DELAY IN DOING SO. NONE OF ISSUER'S OPTIONS, POWERS OR RIGHTS IN CONNECTION
WITH THE CREDIT OR THIS AGREEMENT SHALL BE WAIVED UNLESS ISSUER OR ISSUER'S
AUTHORIZED AGENT SHALL HAVE SIGNED SUCH WAIVER IN WRITING. NO SUCH WAIVER,
UNLESS EXPRESSLY AS STATED THEREIN, SHALL BE EFFECTIVE AS TO ANY TRANSACTION
WHICH OCCURS SUBSEQUENT TO THE DATE OF SUCH WAIVER NOR AS TO ANY CONTINUANCE OF
A BREACH AFTER SUCH WAIVER. NO COURSE OF DEALING BETWEEN US AND ISSUER SHALL BE
EFFECTIVE TO CHANGE, MODIFY OR DISCHARGE IN WHOLE OR IN PART THIS AGREEMENT OR
OUR OBLIGATIONS HEREUNDER.

15. CUSTOMER'S BANK: WE AND THE CUSTOMER'S BANK SHALL BE JOINTLY AND SEVERALLY
LIABLE TO ISSUER HEREUNDER FOR REPAYMENT OF ALL BANK LIABILITIES OWING TO THE
ISSUER; PROVIDED HOWEVER, WE SHALL BE FULLY OBLIGATED TO IMMEDIATELY REIMBURSE
THE CUSTOMER'S BANK FOR ALL ITS PAYMENTS HEREUNDER IN THE EVENT AND TO THE
EXTENT THAT CUSTOMER'S BANK PAYS ANY BANK LIABILITIES, OR, AT ANY TIME PRIOR TO
ISSUER'S DEMAND

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FOR REIMBURSEMENT HEREUNDER, TO PAY TO THE CUSTOMER'S BANK ALL SUMS NECESSARY TO
REPAY ISSUER, WHICH SUMS SHALL BE HELD BY THE CUSTOMER'S BANK IN ESCROW AND AT
OUR RISK BY THE CUSTOMER'S BANK FOR ISSUER'S BENEFIT. ALL SECURITY INTEREST,
LIENS, PLEDGES AND MORTGAGE LIENS ON OUR ASSETS NOW OR HEREAFTER GRANTED IN
FAVOR OF THE CUSTOMER'S BANK PURSUANT TO ANY OTHER AGREEMENT OR ARRANGEMENT WITH
RESPECT TO COLLATERAL SECURITY FOR ANY OTHER LIABILITY OR OBLIGATION OF US TO
THE CUSTOMER'S BANK SHALL ALSO SECURE OUR REIMBURSEMENT OBLIGATIONS TO THE
CUSTOMER'S BANK IN CONNECTION WITH THIS AGREEMENT. HOWEVER, NO PAYMENT TO
CUSTOMER'S BANK BY US SHALL RELIEVE US OF OUR OBLIGATION TO THE ISSUER HEREUNDER
EXCEPT TO THE EXTENT THAT THE SUMS SO PAID BY US ARE ACTUALLY RECEIVED BY THE
ISSUER.

16. GOVERNING LAW; SEVERABILITY: THIS AGREEMENT AND THE CREDIT WILL BE GOVERNED
BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE IN WHICH THE PRINCIPAL
OFFICE OF THE ISSUER IS LOCATED, AS MARKED ON THE REVERSE HEREOF AND ARE SUBJECT
TO THE UNIFORM CUSTOMS THEN IN EFFECT, WHICH UNIFORM CUSTOMS WILL CONTROL IN THE
EVENT OF ANY CONFLICT WITH STATE LAWS. IF ANY PROVISION HEREOF IS FOR ANY REASON
HELD TO BE UNENFORCEABLE UNDER ANY LAW, SUCH ILLEGALITY OR INVALIDITY SHALL NOT
AFFECT ANY OTHER PROVISIONS HEREOF, EACH OF WHICH SHALL BE CONSTRUED AND
ENFORCED AS IF SUCH UNENFORCEABLE PROVISION WERE NOT CONTAINED HEREIN.

17. NOTICE AND WAIVERS: EXCEPT AS OTHERWISE PROVIDED IN PARAGRAPHS 4 AND 5
HEREIN, ANY NOTICE TO ISSUER SHALL BE DEEMED EFFECTIVE ONLY IF IN WRITING SENT
TO AND RECEIVED AT GLOBAL TRADE SERVICES, KEYBANK, N.A., 200 WEST MONROE ST.,
SUITE 1100, CHICAGO, ILLINOIS 60606. ANY SUCH NOTICE TO OR DEMAND ON ANY OF US
SHALL BE BINDING OF ALL OF US AND SHALL BE DEEMED EFFECTIVE WHEN MADE TO ANY
PERSON WHOSE NAME APPEARS BELOW BY MAIL, TELECOPIER, TELEPHONE OR OTHERWISE TO
THE LAST ADDRESS OR TELEPHONE NUMBER OF SUCH PERSON APPEARING ON ISSUER'S
RECORDS.

18. ACCOUNT PARTY: IF THIS AGREEMENT IS SIGNED BY ONE ACCOUNT PARTY ONLY, THE
TERMS "WE", "OUR" AND "US" SHALL REFER THROUGHOUT TO THE ACCOUNT PARTY OR
PARTIES EXECUTING THIS AGREEMENT; IF THIS AGREEMENT IS SIGNED BY ONE OR MORE
PERSONS AS ACCOUNT PARTIES, THIS AGREEMENT SHALL BE THE JOINT AND SEVERAL
OBLIGATION OF SUCH PARTIES, IF THE UNDERSIGNED IS A PARTNERSHIP, THE OBLIGATIONS
HEREUNDER SHALL CONTINUE IN FORCE AND APPLY NOTWITHSTANDING ANY CHANGE IN
MEMBERSHIP OF SUCH PARTNERSHIP. THIS AGREEMENT SHALL BE BINDING UPON EACH OF US
AND OUR RESPECTIVE HEIRS, PERSONAL REPRESENTATIVES, SUCCESSORS AND ASSIGNS AND
SHALL INURE TO ISSUER'S BENEFIT AND ISSUER'S SUCCESSORS AND ASSIGNS. ISSUER MAY,
WITHOUT NOTICE TO US, ASSIGN THIS AGREEMENT IN WHOLE OR IN PART.

                                       7
<PAGE>
This Agreement is signed and agreed to as of this date: November 3, 2003
                                                       -------------------------

ACCOUNT PARTY: Things Remembered, Inc.          KeyBank National Association

By: /s/ Joseph Gaglioti                        By:    /s/ David W. Nuske
   -------------------------------                    --------------------------
            Signature                                       Signature

Title:  Treasurer                               Title: Vice President
   -------------------------------                    --------------------------

ACCOUNT PARTY: Cole National Corporation

By:  /s/ Joseph Gaglioti
   -------------------------------
            Signature

Title: Vice President Treasurer
   -------------------------------

                                       8
<PAGE>
                          QUICKTRADE(R)/WEB AGREEMENT

      This Agreement is entered into between the undersigned customer
("Customer") and KeyBank National Association ("Bank").

1. INTRODUCTION

Customer desires to receive from Bank certain information and to conduct certain
transactions available through one or more modules (each, a "Module") of the
Bank's Internet product known as QuickTrade(R)/Web(collectively, the
"Services"), as selected by Customer on the set-up forms (collectively, the
"Set-up Forms") delivered to the Bank from time to time. The Services are more
specifically described in the supplements to this Agreement (collectively, the
"Supplements") and in any documentation or other materials provided by Bank to
Customer or posted on the QuickTrade(R)/Web web-site (the "Materials"). Any
reference to this Agreement shall be deemed to include the Supplements and the
Set-up Forms unless otherwise stated.

Customer may be required to sign additional agreements before certain Services
will be made available to Customer. To the extent any terms or provisions of
this Agreement directly conflict with the terms or provisions of such
agreements, the terms and provisions of this Agreement shall control with
respect to the Services described herein. Unless otherwise provided, to the
extent any provisions of this Agreement conflict with any Supplement, the
provisions of such Supplement will control.

The Bank's system ("System") may be accessed via QuickTrade(R)/Web. In
connection with QuickTrade(R)/Web, the Customer must use a browser that complies
with the Bank's specifications therefore ("Browser"). Such specifications are
set forth in the Materials.

2. USE LICENSE

Subject to, and in accordance with, the terms of this Agreement, the Bank grants
to the Customer and the Customer accepts from the Bank a personal, nonexclusive
and nontransferable license(the "License")to use for its intended purposes, the
software described as QuickTrade(R)/Web and the related software accessed on the
QuickTrade(R)/Web web-site(the "Software"). This License shall be effective
while such Software is in use by the Customer on such Website.

 The Customer:

      o     acknowledges and agrees that it will not have any ownership or other
            proprietary rights in the Software or any other Materials;

      o     acknowledges that the Software and Materials are protected by the
            copyright laws of the United States and that the Bank's products and
            security relating thereto are confidential and proprietary trade
            secrets, and of substantial value to the owner thereof;

      o     will include all copyright, trade secret and any other proprietary
            notices and legends that are on the initial copy of the Software and
            Materials on each copy thereof that the Customer is permitted to
            make;

      o     will not remove, alter or obscure any trademark, tradenames, logos,
            copyright or other notice contained or included in any of the
            Software or Materials, transfer or license the Software or any
            portion thereof, change or modify the Software (or the source code
            therefor) or create derivative works from it, or reverse engineer or
            attempt to reverse engineer the Software, or attempt to discern the
            source code residing on the server on which the Software is run;

      o     agrees that the Software will be used by the Customer only and will
            not be used for, or on behalf of, others and that the Customer will
            not disclose, publish, release, transfer or

                                       9
<PAGE>
            otherwise make the Software or Materials available in any form to,
            or for the use or benefit of, any other person or entity other than
            its employees and agents having need for such disclosure and only to
            allow such employees and agents to use the Software as authorized
            herein;

      o     agrees to be fully responsible for compliance with all of the terms
            and conditions of this Agreement by its employees and agents; and

      o     will not, and will not permit others to, directly or indirectly
            copy, duplicate, or furnish to others any physical or magnetic
            version of the Software or Materials or any portion thereof.

Upon any breach, or attempted breach of any provision of this Section, the Bank
will have the right, in addition to other remedies available to it, to
injunctive relief enjoining such breach or attempted breach, it being
acknowledged that legal remedies are inadequate. The provisions of this Section
will survive the termination of the Agreement.

3. INTERNET ACCESS

The Customer will access the System via the public Internet. Therefore, the Bank
recommends that the Customer have appropriate security measures for Internet
use, including a proxy server and/or firewalls to control and protect Internet
access. The Bank shall not be responsible for (i) inability to contact the
System via the Internet resulting from a problem with an internet service
provider, or (ii) unknown hazards of Internet use. The Bank hereby reserves the
right, for good cause, to suspend or terminate access to the Website at its
discretion. To the extent practical, the Bank shall provide advance notice to
the Customer of any such suspension or termination.

4. SECURITY PROCEDURES

The Customer hereby acknowledges receipt of the QuickTrade(R)/Web security
procedures as detailed in the Customer Setup and Security Procedures form for
the Services to which the Customer is subscribing. The Customer agrees that
those security procedures offered by the Bank provide to it a commercially
reasonable level of security for its communications and transactions with the
Bank. Customer will promptly notify Bank of any compromise of security,
including any unauthorized use or possession of the Software. Customer will use
the Services and the Software in accordance with this Agreement and the
Materials, including without limitation, the security procedures, access codes,
passwords or other security devices ("Devices") used or assigned in connection
therewith. Customer agrees to comply with any additional security which may be
implemented by Bank, following reasonable advance notice, for a particular
Service. Customer shall be responsible for any liability, loss, or damage
resulting from Bank's actions taken in accordance with instructions to Bank from
unauthorized persons when accompanied by the applicable Devices.

5. COMMUNICATION

The Bank may assume that each inquiry, instruction and notice received by the
Bank through QuickTrade(R)/Web is a genuine, valid and authorized inquiry or
instruction of the Customer, made by a person authorized to act on behalf of the
Customer, and is effective and binding against the Customer, whether or not
authorized, if such inquiry or instruction is accepted by the Bank in good faith
and in compliance with any applicable security procedures. Furthermore, the
Customer agrees to be bound by any inquiry or instruction which is (i)
authorized by the Customer, whether or not the Bank complied with the security
procedures or (ii) communicated by the Customer in a manner not recommended by
the Bank in the security procedures.

6. LIMITATION ON LIABILITY, INDEMNIFICATION

Bank's liability to Customer for any loss or damage arising from or relating to
this Agreement or any of the Services or the Software or Customer's use thereof,
regardless of the form of action,

                                      2
<PAGE>
shall be limited to direct damages attributable to Bank's willful misconduct or
gross negligence, however, in no event shall Bank be liable for (i) any
punitive, indirect, consequential or special damages or lost profits, even if
Bank has been advised of the possibility of such damages, or (ii) the acts or
omissions of a third party service or vendor used by Customer, or any loss,
cost, damage or expense incurred by any person or entity in connection
therewith, (iii) any application errors in or security breaches of any Browser,
(iv) the Customer's inability to access QuickTrade(R)/Web via the Internet, (v)
any interception of any information relating to the Customer or its transactions
as a result of the use of the Internet (except such as results from gross
negligence or willful misconduct on the part of Bank), (vi) any data that are
lost or destroyed in connection with the use of QuickTrade(R)/Web (except such
as results from gross negligence or willful misconduct on the part of Bank), or
(vii) the Customer's inability to access the System using QuickTrade(R)/Web, if
such inability to access the System is due to a mechanical hard drive failure or
other system failure (including, but not limited to, a "lock-up" resulting from
the Customer's use of software). Notwithstanding the foregoing, the Bank's only
obligation to the Customer in connection with the Software is to use its
commercially reasonable efforts to correct problems that arise in the use
thereof, and the Bank shall not have any other obligation in connection
therewith and shall not suffer or incur any liability in connection therewith.

      Customer agrees to indemnify and hold Bank harmless from and against any
and all claims, losses or damages of any nature whatsoever (including but not
limited to reasonable attorneys' fees and court costs) arising directly or
indirectly from Customer's breach of any agreement, representation or warranty
of Customer in this Agreement; provided, however, that Customer shall not be
obligated to indemnify Bank for claims, losses or damages attributable to Bank's
gross negligence or willful misconduct or Bank's breach of its representations
and warranties to Customer set forth below in Section 8(b).

      Notwithstanding and without regard to the limitations on Bank's liability
set forth in the beginning of this Section 6, Bank agrees to indemnify and hold
Customer harmless from and against any and all claims, losses, or damages of any
nature whatsoever (including but not limited to reasonable attorneys' fees and
court costs) suffered by Customer or asserted by a third party against Customer
that arise directly or indirectly from any breach by Bank of the
representations, warranties and covenants made by Bank to Customer in Section
8(b) hereof provided, however, that Bank shall not be obligated to indemnify
Customer for claims, losses or damages attributable to Customer's gross
negligence or willful misconduct or Customer's breach of its agreements,
representations and warranties to Bank in this Agreement.

      In the event either party becomes aware of any actual or potential claim
for indemnification by the other hereunder, the party claiming indemnification
shall promptly notify the other party of such claim and all facts relating
thereto and allow and cooperate with the indemnifying party in connection with
the defense, settlement or other resolution of such claim.

      NEITHER PARTY SHALL IN ANY EVENT BE LIABLE TO THE OTHER FOR SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES.

7. REVIEW Of INFORMATION

Customer will inspect all information provided by Bank in connection with the
services. Customer agrees to promptly notify Bank of any errors in such
information or any discrepancies between its records and the information
provided by Bank or otherwise made available to Customer. If Customer fails to
notify Bank of any such error or discrepancy within 10 days of the date on which
such information is received by or otherwise made available to Customer,

                                       3
<PAGE>
then customer agrees that Bank will not be liable for any losses in connection
therewith, and Customer shall be precluded from asserting such error or
discrepancy against the Bank.

8. REPRESENTATIONS AND WARRANTIES

(a) EXCEPT AS SET FORTH IN SUBSECTION (b) BELOW, BANK MAKES NO REPRESENTATIONS
OR WARRANTIES, EITHER STATUTORY, EXPRESS OR IMPLIED, OF ANY KIND WITH RESPECT TO
THE SERVICES, BANK'S PERFORMANCE OF SERVICES UNDER THIS AGREEMENT, KeyBank
QUICKTRADE / WEB, OR THE SOFTWARE, INCLUDING, WITHOUT LIMITATION, THOSE OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WHICH, WITHOUT LIMITING
THE FOREGOING, ARE DISCLAIMED BY BANK. NO DESCRIPTIONS OR SPECIFICATIONS,
WHETHER OR NOT INCORPORATED INTO THE AGREEMENT, NO PROVISION OF MARKETING OR
SALES MATERIALS AND NO STATEMENT MADE BY ANY SALES REPRESENTATIVE IN CONNECTION
WITH THE SERVICES, THE SOFTWARE, OR THIS AGREEMENT, SHALL CONSTITUTE
REPRESENTATIONS OR WARRANTIES OF ANY KIND.

(b) Bank hereby represents, warrants, and covenants to Customer as follows: (a)
Bank has the valid right and authority to grant the License and make the
Services available to Customer, (b) to the best of Bank's knowledge, Customer's
use of the Services, Software and Materials, in compliance with the terms of,
and for the purposes set forth in this Agreement, does not and will not conflict
with, infringe upon or violate any rights of any other person, entity or trust,
(c) no proceeding charging Bank with infringement of any such rights has been
filed or, to the knowledge of Bank, is threatened to be filed, and (d) Bank is
and will remain in compliance in all material respects with all federal and
state privacy and security laws pertaining to the Services and the Software.
Customer, in accepting this Agreement, is acting and relying upon the foregoing
representations, warranties and covenants.

9. FORCE MAJEURE

Notwithstanding any other provisions of this Agreement, Bank shall not have any
responsibility or liability for any failure, error, malfunction or any delay in
carrying out any of its obligations under this Agreement if such failure, error,
malfunction or delay results from acts of God, strikes or stoppages of labor,
power or equipment failure (including that of any common carrier, transmission
line or software), emergency conditions, adverse weather conditions or any other
factor, medium, instrumentality, condition or cause beyond Bank's control (other
than any such other factor, medium, instrumentality, condition or cause that
would not have occurred but for gross negligence or willful misconduct on the
part of Bank). Bank will not be liable or responsible for the acts or omissions
of any other financial institution or any third party, or for any inaccuracy or
omission in any notice, communication, data or information received by Bank from
Customer, another financial institution, or any other third party.

10. TERMINATION

This Agreement may be terminated by either party on 10 days' prior written
notice to the other party. Bank may terminate this Agreement immediately upon
written notice (including telecopy) to Customer in the event of (i) Customer's
breach of a material obligation under this Agreement or applicable law, (ii)
Customer's insolvency, receivership or voluntary or involuntary bankruptcy, or
the institution of any proceeding therefor, or any assignment for the benefit of
creditors, (iii) Customer's default under any agreement or instrument between
Customer and Bank or an affiliate of Bank, or from the Customer in favor of the
Bank or an affiliate of the Bank, in each case, after giving effect to any
applicable notice or cure periods or (iv) the Bank no longer has the right to
license the Software to the Customer as provided herein or otherwise make the
Services available. Even if this Agreement is terminated, it shall continue in
full force and effect

                                       4
<PAGE>
as to all transactions that occurred, or which Bank began processing, prior to
such termination. Sections 3 through 6, 8, 9 and 12(b) will survive termination
of this Agreement. Upon termination of this Agreement, all Services and the
Licenses shall automatically terminate, and Customer will immediately return to
Bank all Materials provided to Customer hereunder, and Customer will promptly
pay to Bank all sums due or to become due under this Agreement. It is expressly
agreed that instead of terminating this Agreement (and thereby automatically
terminating all Supplements), the Bank may, at its option and in its sole
discretion, choose to terminate (under the conditions for termination set forth
above) one or more, but less than all of the Supplements applicable to the
Customer.

11. NOTICES

Except as otherwise provided in this agreement, all notices and other
communications by Customer or Bank relating to this Agreement shall be in
writing and, if to Customer, addressed to Customer's primary mailing address as
shown on Bank's records at such time, and if to Bank, addressed to appropriate
International Product Specialist at KeyBank, International Services -MS
OH-01-27-0719, 127 Public Square, Cleveland, OH 44114, or at such other address
as Bank may specify in writing. Any notice or communication to Bank will be
effective when Bank has actually received, and has had a reasonable time to act
on, any such notice. Any notice or communication to Customer will be effective
either on the date it is actually received or 5 days after it is mailed by first
class mail, and addressed as provided in this Section, whichever is earlier. It
is agreed that all notices to Customer regarding any default condition or event
shall be given in writing sent by mail, overnight delivery service or facsimile
to the following address: Joseph Gaglioti, Vice President and Treasurer, Cole
National Corporation, 1925 Enterprise Parkway, Twinsburg, Ohio 44087, facsimile
No. (330) 486-4949, with a copy to Leslie Dunn, General Counsel and Senior Vice
President, Cole National Corporation, 1925 Enterprise Parkway, Twinsburg, Ohio
44087, facsimile No. (330) 486-4903. Customer further acknowledges and agrees
that any and all other notices and communications may be provided to Customer by
telephone, telecopy or electronic transmission at the telephone number, telecopy
number or other location or number as shown on Bank's records; any such notice
or communication provided by telecopy or electronic transmission will be
effective upon Bank's transmission thereof to Customer, and any such notice
given by telephone will be effective upon Customer's receipt thereof. Bank may
rely on all notices, instructions and other communications sent to Bank via
telecopy or electronic transmission as though they are originals. Without
limiting the foregoing, Bank is entitled to rely on any notice, communication or
instruction believed by it in good faith to be genuine or to have been signed or
authorized by an authorized representative of Customer.

Any addition, deletion or change to any Set-up Forms requested by the Customer
must submitted in a form acceptable to the Bank, and no such requested addition,
deletion or change will become operative or effective until the Bank confirms to
Customer that such addition, deletion or change has been implemented, which the
Bank agrees to do within a reasonable period of time.

12. GENERAL PROVISIONS

(a) Third Party Providers

Customer acknowledges and agrees that Bank may arrange for some or all of the
Software to be provided and/or the Services to be performed or provided by third
party processors or providers, including its affiliates (each a "Provider").
Customer further agrees that any such Provider is a third party beneficiary of
this Agreement (including the Supplements) and as such is entitled to rely on,
and avail itself of, the provisions of this Agreement as if it was Bank,

                                       5
<PAGE>
including, without limitation, the limitations on liability and the indemnities
described in this Agreement. Bank agrees that the use of Providers does not
relieve Bank of any of its obligations to Customer under this Agreement.

(b) Vendors

Any third party servicer or vendor, including any value added networks
("Vendor") used by Customer in connection with any of the Services shall be
Customer's agent, and Customer will be liable for (i) any Vendor's failure to
comply with any security procedures or operating requirements relating to the
services hereunder, (ii) for all fees, costs and expenses owed to each Vendor
for its services, (iii) for any claims, damages, costs and expenses incurred as
a result of any Vendor's failure to perform, or delay or error in performing,
its services, and (iv) the accuracy and authenticity of all information and
instructions provided by a Vendor to the Bank, and Bank is hereby expressly
authorized to rely thereon.

(c) Waivers

No party's failure or delay in exercising any right or remedy under this
Agreement will operate as a waiver of such right or remedy, and no single or
partial exercise of any right or remedy under this Agreement will preclude any
additional or further exercise of such right or remedy or the exercise of any
other right. No waiver by either party of any breach of this Agreement will
operate as a waiver of any prior, current or subsequent breach. No waiver,
breach, right or remedy will be effective unless made in writing. Customer may
not sell, assign or transfer this Agreement or any of its rights or duties
hereunder without the prior written consent of Bank.

(d) Complete Agreement; Amendments

This Agreement (including the Supplements for the specific Services) are the
final and complete agreement between Bank and Customer with respect to the
Services and the Software, and supersede all other oral or written agreements,
understandings and representations. Bank may amend this Agreement (including the
Supplements) upon written notice to Customer, provided similar amendments are
being made to the Agreements between similarly situated customers and Bank. Any
such amendment will be effective 10 days after such notice is sent to Customer
in the manner described in this Agreement. Headings are for reference only and
are not part of this Agreement.

(e) Cooperation

Customer and Bank agree to cooperate promptly and fully in the investigation of
any claim asserted by any person arising out of or relating to this Agreement.

(f) Successors and Assigns; Governing Law

This Agreement is binding upon and shall inure to the benefit of Bank and
Customer and their respective successors and assigns, and shall be construed and
interpreted in accordance with the laws of the State of Ohio. Even if a
provision of this Agreement is held to be invalid, illegal or unenforceable, the
validity, legality, or enforceability of the other provisions of this Agreement
will not be affected or impaired by such holding.

(g) Representations and Warranties

Customer represents and warrants to Bank that (i) the execution and delivery of
this Agreement has been authorized by all necessary corporate and governmental
action and does not violate any provision of law or any provision of Customer's
charter, articles of incorporation or by-laws or any other agreement binding
upon the Customer, (ii) the officers executing and delivering this Agreement
(including the Supplements) and the Set-up Forms for and on behalf of Customer
are duly authorized to do so and (iii) the Customer and its transactions will
comply with all

                                       6
<PAGE>
applicable laws, rules and regulations. Bank, in accepting this Agreement, is
acting and relying upon the foregoing representations and warranties.

(h) Waiver of Jury Trial

Bank and Customer each irrevocably waive any right to trial by jury in any
proceeding related to this Agreement. The Customer hereby irrevocably submits to
the non-exclusive jurisdiction of the courts of the State of Ohio and the United
States of America for the Northern District of Ohio and agrees that any legal
action or proceeding with respect to this Agreement may be commenced in such
courts.

This Agreement is signed and agreed to as of this date: November 3, 2003
                                                        -----------------------

Customer Name: Things Remembered,Inc.              KeyBank National Association

By:  /s/ Joseph Gaglioti                         By:  /s/ David W. Nuske
   -------------------------------                    --------------------------
            Signature                                       Signature

Title: Treasurer                                 Title: Vice President
   -------------------------------                    --------------------------

Customer Name: Cole National Corporation

By:  /s/ Joseph Gaglioti
   -------------------------------
            Signature

Title: VP Treasurer
   -------------------------------

                                       7
<PAGE>
                    SUPPLEMENT TO QUICKTRADE(R)/WEB AGREEMENT
                       FOR IMPORT L/C INITIATION SERVICE

      This Supplement is dated as of November 3, 2003 and entered into between
the undersigned customer ("Customer") and KeyBank National Association ("Bank")
as a supplement to QuickTrade(R)/Web Agreement identified above (the
"Agreement"). This Supplement is part of the Agreement and is subject to all of
the terms and provisions thereof, and all references herein to the Agreement
will include this Supplement and the Set-up Forms for the Services described
herein. All capitalized terms used herein without definition shall have the same
meanings ascribed thereto in the Agreement.

      Customer hereby engages the Bank to allow the Customer to use
QuickTrade(R)/Web ("QTW") internet product in order for the Customer to (i)
submit to the Bank applications ("Applications") for letters of credit to be
issued by the Bank, as further described on the Set-up Forms, (ii) receive
certain information relating to letters of credit that are issued by the Bank
("Letters of CredIt") as a result of Applications received by the Bank through
QTW,(iii) submit to the Bank requests for amendments to Letters of Credit
("Amendment Requests") and (iv) send and receive messages pertaining to
discrepancies in documents presented under the Letters of Credit ("Discrepancy
Notices") and ("Discrepancy Waivers").

      This Supplement and the Agreement only govern the use by the Customer of
QTW as a means of communicating Applications and Amendment Requests to the Bank.
This Supplement and the Agreement do not constitute a commitment by the Bank to
issue Letters of Credit for the account of the Customer, nor do they address any
of the other terms or conditions agreed to by the Bank and the Customer relating
to the Applications, Amendment Requests, Letters of Credit, Discrepancy Notices
or Discrepancy Waivers generally. This Agreement does not prevent or prohibit
the Customer from submitting Applications or Amendment Requests to the Bank in
another manner expressly agreed to by the Bank.

      The terms "Applications" and "Amendment Requests" as used herein shall,
for purposes of the Agreement, be interpreted in the broadest sense and shall,
without limitation, constitute an "instruction" or "communication", and without
limiting the foregoing, it is expressly agreed that each Application and
Amendment Request shall be deemed to be an "instruction" of the Customer for
purposes of Sections 4 and 5 of the Agreement.

      The Customer hereby re-makes the representations and warranties set forth
in Section 12 of the Agreement, after giving effect to this Supplement.
<PAGE>
      The parties hereto have caused this Agreement to be executed as of the
date first above written.

Customer Name: Things Remembered, Inc.              KeyBank National Association

By:  /s/ Joseph Gaglioti                         By:  /s/ David W. Nuske
   -------------------------------                    --------------------------
            Signature                                       Signature

Title: Treasurer                                 Title:  Vice President
   -------------------------------                    --------------------------

Customer Name: Cole National Corporation

By:  /s/ Joseph Gaglioti
   -------------------------------
            Signature

Title:  VP Treasurer
      ----------------------------

                                       2
<PAGE>
                   SUPPLEMENT TO QUICKTRADE(R)/WEB AGREEMENT
                         FOR IMPORT COLLECTION SERVICE

      This Supplement is dated as of November 3, 2003 and entered into
between the undersigned customer ("Customer") and KeyBank National Association
("Bank") as a supplement to the KeyBank QuickTrade / Web Agreement identified
above (the "Agreement"). This Supplement is part of the Agreement and is subject
to all of the terms and provisions thereof, and all references herein to the
Agreement will include this Supplement and the Set-up Forms for the services
described herein. All capitalized terms used herein without definition shall
have the same meanings ascribed thereto in the Agreement.

      1. IMPORT COLLECTION SERVICES. Customer hereby engages the Bank to allow
the Customer to use the Import Collections Module of QuickTrade/Web. The
services provided by the Bank under the Import Collections Module of
QuickTrade/Web may include: (i) the Bank posting certain transaction details and
document descriptions related to a collection transmittal letter containing
terms and instructions from a remitting bank for an import collection
transaction concerning Customer (a "Transaction"),(ii) permitting the Customer
to agree to the Transaction whereby Customer accepts documents presented by a
remitting bank on behalf of a supplier to the Bank or instructs the Bank to
accept drafts on the Customer's behalf under authority of the power of attorney
set forth below,(iii) permitting the Customer to reject the Transaction whereby
the Customer instructs the Bank to provide advice of non-acceptance or
non-payment to the supplier via the remitting Bank, (iv) permitting the Customer
to submit settlement instructions to the Bank to receive or obtain payment from
the Customer ("Settlement Instructions"); and (v) other functions available from
time to time through the Import Collections Module (collectively, the
"Services").

      By accepting a Transaction The Customer agrees that the Bank should accept
documents or drafts on the Customer's behalf and pay the remitting bank upon
Customer's payment to the Bank pursuant to the Transaction (a "Payment
Acknowledgment"). The Customer agrees that the Bank shall not be obligated to
execute the Transaction unless Bank receives payment or acknowledgement of draft
acceptance from the Customer. The Customer further agrees that the Transaction
will be governed by the Uniform Rules of Collections as adopted by the
International Chamber of Commerce and in effect from time to time.

      The Bank will send to the Customer an e-mail notification of new activity
in the Import Collections Module. That e-mail notification will be sent to the
person designated by the Customer on the Set-up Forms. Customer acknowledges and
agrees all information relating to an import collection and provided by the Bank
to the Customer will appear in the Import Collections Module of QuickTrade/Web,
and unless otherwise agreed by the Bank, Bank is not obligated to provide other
notices or communications relating thereto to the Customer (except for the
e-mail notifications described above and, if Bank becomes aware that the e-mail
system is not functioning, Bank will provide such communications by telephone or
facsimile). Bank may provide additional information in its discretion with
respect to certain import collection transactions.

      This Supplement and the Agreement only govern the use by the Customer of
QuickTrade/Web as a means of communicating Customer's agreement to a
Transaction, Payment Acknowledgement and Settlement Instructions to the Bank.
This Agreement does not constitute a commitment by the Bank to collect or pay
any amounts for the account of the Customer, nor does it address any of the
other terms or conditions agreed to by the Bank and the Customer relating to the
method of payment or the fees paid to Bank for the Services. This
<PAGE>
Agreement does not prevent or prohibit the Customer from submitting a Payment
Acknowledgement or Settlement Instructions to the Bank in another manner
expressly agreed to by the Bank.

      The terms "Payment Acknowledgment" and "Settlement Instructions" as used
herein shall, for purposes of the Agreement, be interpreted in the broadest
sense and shall, without limitation, constitute an "instruction" or
"communication", and without limiting the foregoing, it is expressly agreed that
each Payment Acknowledgment and Settlement Instructions shall be deemed to be an
"instruction" of the Customer for purposes of Sections 4 and 5 of the Agreement.

      2. POWER OF ATTORNEY. By signing this Agreement the Customer does hereby
designate and appoint Bank as its agent and attorney-in-fact with full power of
substitution with respect to the completion, acceptance and delivery to any
third party drafts or bills of exchange and other necessary documentation to
perform the Services as contemplated by this Agreement. The Bank is expressly
authorized to act in accordance with any instructions received for the execution
of a Transaction as contemplated by this Agreement and the Materials, and
received in a manner consistent with the Devices. All drafts completed and/or
accepted by the Bank as agent shall be deemed, for all purposes, duly executed,
ratified and approved by the Customer. It is understood that this power of
attorney will remain in effect until the termination of this Agreement or
otherwise revoked by written notice of Customer to Bank. The Bank shall have a
reasonable time to act upon any such notice of revocation; provided, however,
such agency authority shall remain in effect for any Transaction that began
prior to such revocation until the completion of such Transaction.

      3. SETTLEMENT INSTRUCTION AUTHORIZATION.

            A. GENERAL. In connection with the Services, and pursuant to the
terms of the Agreement, the Customer may from time to time electronically
transmit to the Bank the Customer's agreement to a Transaction and Payment
Acknowledgement along with the Settlement Instructions, which relate to the
movement of funds from an account owned by Customer or an account that Customer
has explicit authority to cause funds to be transferred out of or disbursed from
and such account in all instances is an account maintained with the Bank or an
affiliate of Bank via wire transfer or other electronic funds transfer. Any
Settlement Instructions communicated to the Bank in the name of the Customer
will be binding and effective as the Settlement Instruction of the Customer,
whether or not authorized and regardless of the actual identity of the sender
thereof, if the Settlement Instructions are accepted by the Bank in good faith
and in compliance with the security procedures.

            B. CANCELLATION OR AMENDMENT OF SETTLEMENT INSTRUCTIONS. The
Customer has no right to cancel or amend any Settlement Instructions after such
Settlement Instructions have been received by the Bank. However, the Bank will
use its reasonable efforts to act on the Customer's request to cancel or amend
Settlement Instructions before the Bank affects payment to the remitting bank,
as applicable, but the Bank will have no liability if such cancellation or
amendment is not effected. For purposes of this Supplement, a reference to
Settlement Instructions will include any amendment thereto or cancellation
thereof, unless the context otherwise requires.

            C. RELIANCE ON ACCOUNT AND IDENTIFYING NUMBERS. The Bank is not
responsible for detecting errors in any Settlement Instructions. The Customer is
solely responsible for the accuracy and completeness of each Settlement
Instructions. Customer acknowledges that funds

                                       2
<PAGE>
transfers from the Customer's accounts may be made on the basis of account
numbers or other identifying numbers.

            D. REJECTION OF SETTLEMENT INSTRUCTIONS. The customer agrees that
the Bank may refuse to process Settlement Instructions under the Services, even
if the Customer indicates acceptance of the Transaction, so long as the Bank is
acting in compliance with applicable law, rule or regulation.

      4. IMPORT COLLECTIONS IN FOREIGN CURRENCY. Settlement Instructions for the
transfer of funds in a currency other than U.S. Dollars shall require the
Customer to first validly purchase such foreign currency from the Bank or its
designated affiliate. If the Customer does not enter into a separate contract
for such purchase, then the Bank may apply its then-current exchange rate for
transfers to the place of payment. Any loss of exchange arising from a
subsequent cancellation of such Settlement Instructions or because of a delay or
rejection of delivery for any reason shall be for the Customer's account.

      5. SECURITY PROCEDURES. If Customer proposes or adopts a procedure for
communicating Customer's agreement to a Transaction, a Payment Acknowledgement,
Settlement Instructions (including any amendment thereto or cancellation
thereof) or other instructions or communication to Bank which varies from the
security procedures recommended by the Bank, and the Bank accepts such
instruction or communication in good faith, then the Customer agrees to be bound
by that instruction or communication, whether or not it is authorized, and will
be obligated to pay the Bank the amount thereof or any resulting transaction,
and the Customer will be deemed to have refused the security procedures that the
Bank offers and recommends as "commercially reasonable". However, the Customer
agrees that the Bank is not obligated to accept any instructions or
communications that are sent to the Bank other than in compliance with the
security procedures. The Bank will not be responsible for refusal to act upon
any instruction or communication received which does not comply with this
Agreement, including where the Bank's reasonable efforts to verify the
instruction or communication or in accordance with the security procedures have
failed or where such action is delayed until verification can be obtained.

      6. LIMITATION ON LIABILITY; INDEMNIFICATION.

            Notwithstanding anything In the Agreement to the contrary, the
Bank's sole and exclusive liability to Customer for Bank's failure to exercise
ordinary care resulting in a delay in executing, improper execution of, or
failure to execute a Transaction, Payment Acknowledgement or Settlement
Instructions in an amount equal to interest losses attributable thereto;
provided, however, with respect to the services performed hereunder outside the
scope of Article 4A of the Illinois Uniform Commercial Code, the Bank shall only
be liable to Customer for direct damages attributable to its own gross
negligence or willful misconduct in performing such services; provided, further,
that in no event shall Bank be liable or responsible for (i) failure or delay in
posting information and providing e-mail notifications and information to the
Customer, or (ii) any inaccuracies or omissions in information received from
third parties, including inaccuracies or omissions in collection letters or
documents presented by Customer's vendors, that is either posted on the Import
Collections Module of QuickTrade/Web, sent via e-mail or otherwise by the Bank.
Customer understands that the information available to it in connection with the
Import Collections Module is updated periodically and therefore, may not be up
to date at the moment that the Customer takes notice of such information. In no
event will Bank be liable for any consequential, special, punitive or indirect
loss or damage which Customer may incur or suffer in connection with this
Supplement. Bank's liability hereunder for interest

                                       3
<PAGE>
losses will be calculated by using a rate equal to the average Federal Funds
rate at the Federal Reserve Bank of Chicago for the period involved.

      The Customer agrees to indemnify and hold the Bank harmless from and
against any and all claims, damages, losses, liabilities and expenses (including
reasonable attorneys' fees and court costs) arising directly or indirectly from
(i) the Bank processing Customer's acceptance or refusal of a Transaction, a
Payment Acknowledgment and any Settlement Instructions in the Customer's name
communicated to the Bank, whether or not Customer's agreement or refusal of a
Transaction, a Payment Acknowledgment or any Settlement Instructions that was
actually authorized by the Customer, so long as the Bank accepts the agreement
to or refusal of a Transaction, Payment Acknowledgment and any Settlement
Instructions in good faith and in compliance with the security procedures, (ii)
the Bank's processing Transaction, Payment Acknowledgment and Settlement
Instructions which were authorized by the Customer or which were effected in
accordance with the terms of this Agreement, (iii) the Bank's refusal to accept
or process a Transaction, Payment Acknowledgment or Settlement Instructions that
were communicated to it other than in compliance with the security procedures or
(iv) from the acts or omissions of Customer (including it agents, employees and
representatives) or any third party in connection with any Transaction to which
any collection letter relates, or from the breach by the Customer of any of its
agreements with and/or representations or warranties to the Bank under this
Agreement; provided, however, that the Customer shall not be obligated to
indemnify the Bank for such claims, damages, losses, liabilities and expenses to
the extent they are attributable to the Bank's gross negligence or willful
misconduct in the performance of its obligations hereunder. The provisions of
this Section will survive termination of this Agreement.

      7. CUSTOMER REPRESENTATIONS AND WARRANTIES. Customer hereby represents and
warrants to the Bank that with respect to each account out of which funds will
be transferred in accordance with any Settlement Instructions, Customer is
either the owner of such account or has explicit authority to cause funds to be
transferred out of or disbursed from the account. The Customer hereby re-makes
the representations and warranties set forth in Section 11 of the Agreement,
after giving effect to this Supplement.

      8. GENERAL. In addition, it is expressly agreed that if the Customer is
subject to an agreement with KeyBank National Association (or one of its
branches, affiliates or subsidiaries) which purports to cover the Services in
whole or in part, then notwithstanding the existence of such agreement, this
Agreement shall be controlling with respect to the Services. This Agreement will
not become effective until the Bank notifies the Customer that the Services have
become available.

                                       4
<PAGE>
            The parties hereto have caused this Agreement to be executed as of
the date first above written.

 Customer Name: Things Remembered, Inc.          KeyBank National Association

 By:  /s/ Joseph Gaglioti                        By:   /s/ David W. Nuske
   -------------------------------                    --------------------------
            Signature                                       Signature

Title:  Treasurer                                Title: Vice President
   -------------------------------                    --------------------------

Customer Name: Cole National Corporation

By:  /s/ Joseph Gaglioti
   -------------------------------
            Signature

Title: VP Treasurer
     -----------------------------

                                       5
<PAGE>
      REQUEST TO ACCEPT FACSIMILE APPLICATIONS / INDEMNIFICATION AGREEMENT

From:       Customer Name & Address:

To:         KeyBank National Association
            200 W. Monroe Street
            Suite 1100
            Chicago, IL 60606
            FAX: (312) 904-4220

Date:

At Customer's request, KeyBank National Association (KeyBank) will accept from
Customer, on the terms and conditions set forth in this Agreement, facsimile
copies of various applications and agreements, (collectively, "Documents")
including but not limited to the following:

      a)    Application and Agreement for Irrevocable Commercial Letter of
            Credit;

      b)    Application and Agreement for Standby Letter of Credit;

      c)    Letter of Credit Transfer Instructions;

      d)    Assignment of Proceeds Instructions;

      e)    Steamship Indemnity Instructions;

      f)    Air Release Instructions;

      g)    Eligible Acceptance Transaction Information and Certifications

      h)    Application for amendments to one or more of the above

      i)    Waiver of discrepancies and instructions for document distribution.

2. Facsimile transmissions shall be directed to KeyBank, International Division,
at the FAX number designated above, or such other number(s) as KeyBank
designates in writing from time to time. Customer understands that a failure to
transmit to the designated FAX number may result in the delay or non-delivery of
the facsimile transmission to the intended addressee, and may also result in a
lack of confidentiality, and Customer accepts all such risks. Customer agrees
that whenever requested by KeyBank, an authorized signer of Customer will sign
the "original" Document, clearly mark it as a "Confirmation" and mail it to
KeyBank. Customer agrees to fax both the front and back of the Application for
Irrevocable Commercial Letter of Credit and Standby Letter of Credit each side
duly signed indicating the name and title of signer. KeyBank agrees to contact
Customer regarding any fax transmission received by KeyBank which fails to
comply with this paragraph 2.

3. Customer agrees KeyBank may act on any facsimile transmission that KeyBank
believes in good faith to be genuine. Customer agrees KeyBank will have no
liability to Customer or any other party for any action taken or not taken by
KeyBank with regard to or in reliance on a facsimile transmission, excepting
only direct damage attributable to KeyBank's gross negligence or willful
misconduct. CUSTOMER AGREES THAT IN NO EVENT WILL KEYBANK HAVE ANY LIABILITY FOR
SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR
ATTORNEYS' FEES OR COSTS EVEN IF KEYBANK HAS MADE AWARE OF THE POSSIBILITY OF
SUCH DAMAGES. Customer agrees KeyBank shall be completely relieved of liability
in all instances where KeyBank's actions are in compliance with such facsimile
transmission, irrespective of the actual validity of the Documents or any other
matter provided KeyBank has acted in good faith. Customer agrees KeyBank may
assume that all facsimile transmissions received by it are genuine and valid and
that such transmissions were sent by or on the authority of the party designated
therein, without independent investigation or inquiry as to any matter
whatsoever.

                                       6
<PAGE>
      4. Customer agrees that for any reason and at any time, KeyBank may, with
no liability to Customer or any other party, decline to accept and/or rely on
the facsimile transmission of a particular Document, and instead require the
physical delivery of the original item prior to taking any action in reliance
on, or related to, the Document. In such event, although KeyBank shall not be
required to deliver advance notice of its intended action to Customer. KeyBank
will use reasonable efforts to contact Customer (by telephone, fax, or other
method) as soon as practicable to inform Customer of the Bank's decision and to
notify Customer that actual delivery will be required.

      5. Customer acknowledges that the use of facsimile transmissions involves
certain risks (including without limitation, forgery, unauthorized transmission,
misdelivery, lack of confidentiality, incomplete or unclear transmission, etc.),
and Customer agrees to assume all such risks and agrees that KeyBank shall have
no liability for such risks. Customer agrees, at its expense, to defend,
indemnify and hold KeyBank and its directors, officers, employees and agents,
harmless from any and all losses, liabilities, damages, costs, obligations,
actions, suits, proceedings, penalties, judgments and expenses and
disbursements, including without limitation reasonable attorneys' fees and
expenses and other costs of defense or settlement, threatened, asserted against,
imposed on, incurred by or entered against KeyBank, its directors, officers,
employees or agents, related to its acceptance of or reliance on any facsimile
transmission from (or purportedly from) Customer in connection with this
Agreement.

      6. Either KeyBank or Customer may cancel or terminate this Agreement at
any time for any reason, upon three (3) business days prior written notice to
the other party.

      7. This Agreement shall be governed by the laws of the State of Ohio.
Customer agrees that any legal action or proceeding brought by Customer against
KeyBank which arises out of or related to this Agreement shall be instituted in
any state or United States federal court in the State of Ohio.

      Authorized representatives of Customer and KeyBank have executed this
Agreement.

Customer Name: Things Remembered, Inc.          KeyBank National Association

By:   /s/ Joseph Gaglioti                       By:   /s/ David W. Nuske
   -------------------------------                    --------------------------
            Signature                                       Signature

Title:  Treasurer                               Title: Vice President
   -------------------------------                    --------------------------

Customer Name: Cole National Corporation

By:  /s/ Joseph Gaglioti
   -------------------------------
            Signature

Title:  VP Treasurer
      ----------------------------

                                       2
<PAGE>
            QUICKTRADE(R)/WEB INTERNET SET-UP AND SECURITY PROCEDURES

The following procedures will be used by the bank to verify the authenticity of
applications transmitted by your organization through QuickTrade(R)/Web Internet
Application. Please read the following Security Procedures, provide the set-up
information requested, and acknowledge your receipt of the information contained
herein by executing below.

SYSTEMS ADMINISTRATOR - SET UP

After receiving the completed Systems Administrator Set-Up Form below, the bank
will notify your organization's Systems Administrator of your Company ID and his
or her User ID and password. The Systems Administrator must acknowledge receipt
of the User ID and password by signing and returning the accompanying
acknowledgment form. After receipt of the acknowledgment, the bank will enable
the User ID and will notify the Systems Administrator of its activation by email
sent to the e-mail address designated by the Systems Administrator. The initial
User ID will be formatted with a mnemonic code uniquely tied to your
organization. When the Systems Administrator logs in QuickTrade(R)/Web Internet
Application for the first time, the system will prompt the Systems Administrator
to change his/her password. The Systems Administrator will be responsible for
keeping his/her password confidential. The bank recommends that the Systems
Administrator change his/her password at least once every 30 days.

SYSTEMS ADMINISTRATOR - AUTHORITY

The Systems Administrator User ID will entitle the Systems Administrator to all
functions and transactions available through QuickTrade(R)/Web Internet
Application including:

      1)    Add users (including additional Systems Administrators) to the
            QuickTrade(R)/Web Internet Application system for the purpose of
            submitting letter of credit applications and amendment requests,
            entering data onto the system or accessing available data.

      2)    Eliminate or modify the access granted to any user the
            QuickTrade(R)/Web Internet Application product is available to, and
            the related procedures are applicable to, customers of KeyBank
            National Association.

      3)    Approve, limit or modify the data a user may access, or the type of
            transactions a user may originate.

      4)    Override the password of any of your organization's users including
            all other designated Systems Administrators. The bank recommends
            that your organization establish two different users to perform the
            functions of a Systems Administrator. In the event that the primary
            Systems Administrator is unavailable to perform required duties, a
            second user can serve in a back-up capacity. Your organization's
            Systems Administrator must do the resetting of passwords, and the
            bank shall have no liability resulting from its refusal to reset a
            user's password or a user's inability to access QuickTrade(R)/Web
            Internet Application. Each user authorized to access
            QuickTrade(R)/Web Internet Application will need a unique user ID
            and a password assigned by your company's Systems Administrator. We
            recommend that each user be advised to change his or her assigned
            passwords immediately during his or her first session and at least
            once every 30 days. Your company will be responsible for any sharing
            of passwords and must ensure that its users keep all of their
            passwords strictly confidential. Your Systems Administrator will
<PAGE>
            be solely responsible for deleting users who are no longer
            authorized to access QuickTrade(R)/Web Internet Application.

SYSTEMS SECURITY

QuickTrade(R)/Web Internet Application offers secure communication over the
Internet via 128-bit Secure Socket Layer (SSL) encryption. It is the
responsibility of your company to ensure that Your users access
QuickTrade(R)/Web Internet Application using browsers with the recommended
encryption levels. The QuickTrade(R)/Web Internet Application System does not
require customers to establish secondary authorization for originating
transactions, however, the bank recommends that your organization establish a
secondary authorization requirement for submitting applications, and that your
organization select such approval options on the system.

BACK-UP PROCEDURES

We recommend that all applications and related instructions be communicated to
us through QuickTrade(R)/Web Internet Application. If you are unable to access
QuickTrade(R)/Web Internet Application, please call the KeyBank's on-line
support area at (866) 904-6105. In the event that you are unable to submit
applications and related instructions through QuickTrade(R)/Web Internet
Application, then the application/amendment requests may be submitted to the
bank in accordance with the Master Letter of Credit Agreement and the bank's
procedures presented therein. Please note that these procedures may involve
means of communications that are less secure than QuickTrade(R)/Web Internet
Application. When submitting applications and instructions to us using a means
of communication other than QuickTrade(R)/Web Internet Application, your
organization agrees to be bound by any and all applications and instructions
that the bank receives in good faith through those means of communications.

EMAIL NOTIFICATION ADDRESSES

<TABLE>
<CAPTION>
                                                                                Incoming
                                          Import LC            Import LC       Collections
ADDRESS @ DOMAIN_NAME                   Discrepancies           Payments         Payments
<S>                                     <C>                    <C>             <C>
idavies@thingsremembered.com                   X                   X                X
melissasmith@thingsremembered.com              X                   X                X
jhampton@thingsremembered.com                  X                   X                X
lisaross@colenational.com                      X                   X                X
</TABLE>
<PAGE>
                          FRONT END SET-UP INFORMATION

Technical Contact
Name                                  Connie Fumich
Title                                 Director of IT
Phone                                 440-473-2000
Facsimile                             440-473-0656
Email                                 cfumich@thingsremembered.com

System Administrator
Name                                  Lynne Davies
Title                                 Cash Disbursement Manager
Phone                                 440-473-2000, ext 5477
Facsimile                             440-473-0656
Email                                 ldavies@thingsremembered.com

Host Network ID
ICC ID

                                                      Reviewed and acknowledged:

                                             By:      /s/ Joseph Gaglioti
                                                      --------------------------
                                             Title:   Treasurer
                                                      --------------------------
                                             Company: Things Remembered, Inc.
                                                      --------------------------
                                             Date:    11/3/03
                                                      --------------------------

                                       3

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