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                                                                    EXHIBIT 10.1

                                FOURTH AMENDMENT
                               TO CREDIT AGREEMENT

      This Fourth Amendment to Credit Agreement (this "Amendment") is entered
into as of July 23, 2004, by and among OCULAR SCIENCES, INC. ("Borrower"), and
COMERICA BANK, a Michigan banking corporation, successor by merger to Comerica
Bank-California, as the Agent for the Lenders ("Bank").

                                    RECITALS

      Borrower, Bank, and Lenders are parties to that certain Credit Agreement
dated as of April 16, 2002, as amended from time to time, including by that
certain First Amendment to Credit Agreement entered into as of March 30, 2003,
that certain Second Amendment to Credit Agreement entered into as of October 22,
2003, and that certain Third Amendment to Credit Agreement entered into as of
December 29, 2003 (collectively, the "Agreement").

      Borrower has advised Bank that Borrower intends to enter into an agreement
(the "Acquisition Agreement") pursuant to which Borrower will be acquired and
the Obligations under the Agreement will be satisfied in full and the Agreement
terminated. Borrower has also advised Bank that Borrower intends to liquidate
and dissolve O.S.I. Puerto Rico and, in connection therewith, has requested that
Bank release O.S.I. Puerto Rico from the Subsidiary Guaranty.

      Upon presentation to Bank of evidence satisfactory to Bank of the
dissolution of O.S.I. Puerto Rico, Bank shall return to Borrower the shares of
stock of O.S.I. Puerto Rico and any stock powers delivered to Bank in connection
therewith, and the pledge thereof shall be deemed terminated and of no further
force or effect."

      NOW, THEREFORE, the parties agree as follows:

      1.    Notwithstanding any provision in the Agreement to the contrary,
including but not limited to Section 5.3(h) thereof, Bank and the Lenders agree
that Borrower may execute, deliver and perform the terms and conditions of the
Acquisition Agreement, and Bank and the Lenders hereby waive Section 5.3(h) for
the limited purpose thereof; provided that, prior to or concurrently upon
consummation of the Acquisition Agreement all of Borrower's Obligations under
the Agreement indefeasibly are repaid in full, in cash, and the Agreement is
terminated in accordance with the terms and conditions thereof.

      2.    Notwithstanding any provision in the Agreement, the Subsidiary
Guaranty or the Pledge Agreement to the contrary, Bank and the Lenders hereby
acknowledge and agree that Borrower may liquidate and dissolve O.S.I. Puerto
Rico, Inc., and O.S.I. Puerto Rico, Inc. thereafter shall be deemed released
from the Subsidiary Guaranty as if its obligations thereunder had been satisfied
in full. Furthermore, immediately prior to the liquidation of O.S.I. Puerto
Rico, Inc., but subject to the liquidation and dissolution of O.S.I. Puerto
Rico, Inc., the shares of capital stock of O.S.I. Puerto Rico, Inc. held by
Borrower shall be released from the Pledge Agreement and shall cease to
constitute "Pledged Shares" and "Collateral" thereunder.

      3.    New Section 11.6.1 hereby is added to the Agreement to read as
follows:

      "SECTION 11.6.1.   JUDICIAL REFERENCE.

            If and only if the jury trial waiver set forth in Section 11.6 of
      this Agreement is invalidated for any reason by a court of law, statute or
      otherwise, the reference provisions set forth below shall be substituted
      in place of the jury trial waiver. So long as the jury trial waiver
      remains valid, the reference provisions set forth in this Section shall be
      inapplicable.

            11.6.1.1 Each controversy, dispute or claim (each, a "Claim")
      between the parties arising out of or relating to this Agreement, any
      security agreement executed by Borrower in favor of Bank, any note
      executed by Borrower in favor of Bank or any other document, instrument or
      agreement executed by Borrower with or in favor of Bank (collectively in
      this Section, the "Loan Documents"), other than (i) all

                                      -1-

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      matters in connection with nonjudicial foreclosure of security interests
      in real or personal property; or (ii) the appointment of a receiver or the
      exercise of other provisional remedies (any of which may be initiated
      pursuant to applicable law) that are not settled in writing within fifteen
      (15) days after the date on which a party subject to the Loan Documents
      gives written notice to all other parties that a Claim exists (the "Claim
      Date") shall be resolved by a reference proceeding in California in
      accordance with the provisions of Section 638 et seq. of the California
      Code of Civil Procedure, or their successor sections ("CCP"), which shall
      constitute the exclusive remedy for the resolution of any Claim concerning
      the Loan Documents, including whether such Claim is subject to the
      reference proceeding. Except as set forth in this section, the parties
      waive the right to initiate legal proceedings against each other
      concerning each such Claim. Venue for these proceedings shall be in the
      Superior Court in the County where the real property, if any, is located
      or in a County where venue is otherwise appropriate under state law (the
      "Court"). By mutual agreement, the parties shall select a retired Judge of
      the Court to serve as referee, and if they cannot so agree within fifteen
      (15) days after the Claim Date, the Presiding Judge of the Court (or his
      or her representative) shall promptly select the referee. A request for
      appointment of a referee may be heard on an ex parte or expedited basis.
      The referee shall be appointed to sit as a temporary judge, with all the
      powers for a temporary judge, as authorized by law, and upon selection
      should take and subscribe to the oath of office as provided for in Rule
      244 of the California Rules of Court (or any subsequently enacted Rule).
      Each party shall have one peremptory challenge pursuant to CCP
      Section 170.6. Upon being selected, the referee shall(a) be requested to
      set the matter for a status and trial-setting conference within fifteen
      (15) days after the date of selection and (b) if practicable, try any and
      all issues of law or fact and report a statement of decision upon them
      within ninety (90) days of the date of selection. The referee will have
      power to expand or limit the amount of discovery a party may employ. Any
      decision rendered by the referee will be final, binding and conclusive,
      and judgment shall be entered pursuant to CCP Section 644 in any court in
      the State of California having jurisdiction. The parties shall complete
      all discovery no later than fifteen (15) days before the first trial date
      established by the referee. The referee may extend such period in the
      event of a party's refusal to provide requested discovery for any reason
      whatsoever, including, without limitation, legal objections raised to such
      discovery or unavailability of a witness due to absence or illness. No
      party shall be entitled to "priority" in conducting discovery. Either
      party may take depositions upon seven (7) days written notice, and shall
      respond to requests for production or inspection of documents within ten
      (10) days after service. All disputes relating to discovery which cannot
      be resolved by the parties shall be submitted to the referee whose
      decision shall be final and binding upon the parties. Pending appointment
      of the referee as provided herein, the Superior Court is empowered to
      issue temporary and/or provisional remedies, as appropriate.

            11.6.1.2 Except as expressly set forth herein, the referee shall
      determine the manner in which the reference proceeding is conducted
      including the time and place of all hearings, the order of presentation of
      evidence, and all other questions that arise with respect to the course of
      the reference proceeding. Except for trial, all proceedings and hearings
      conducted before the referee shall be conducted without a court reporter
      unless a party requests a court reporter. The party making such a request
      shall have the obligation to arrange for and pay for the court reporter.
      Subject to the referee's power to award costs to the prevailing party, the
      parties shall equally bear the costs of the court reporter at the trial
      and the referee's expenses.

            11.6.1.3 The referee shall determine all issues in accordance with
      existing California case and statutory law. California rules of evidence
      applicable to proceedings at law will apply to the reference proceeding.
      The referee shall be empowered to enter equitable as well as legal relief,
      to provide all temporary and/or provisional remedies and to enter
      equitable orders that shall be binding upon the parties. At the close of
      the reference proceeding, the referee shall issue a single judgment at
      disposing of all the claims of the parties that are the subject of the
      reference. The parties reserve the right (i) to contest or appeal from the
      final judgment or any appealable order or appealable judgment entered by
      the referee and (ii) to obtain findings of fact, conclusions of laws, a
      written statement of decision, and (iii) to move for a new trial or a
      different judgment, which new trial, if granted, shall be a reference
      proceeding under this provision.

            11.6.1.4 If the enabling legislation which provides for appointment
      of a referee is repealed (and no successor statute is enacted), any
      dispute between the parties that would otherwise be

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            determined by the reference procedure herein described will be
            resolved and determined by arbitration conducted by a retired judge
            of the Court, in accordance with the California Arbitration Act
            Section 1280 through Section 1294.2 of the CCP as amended from time
            to time. The limitations with respect to discovery as set forth in
            this Section shall apply to any such arbitration proceeding."

            4. No course of dealing on the part of Bank or its officers, nor any
      failure or delay in the exercise of any right by Bank, shall operate as a
      waiver thereof, and any single or partial exercise of any such right shall
      not preclude any later exercise of any such right. Bank's failure at any
      time to require strict performance by a Borrower of any provision shall
      not affect any right of Bank thereafter to demand strict compliance and
      performance. Any suspension or waiver of a right must be in writing signed
      by an officer of Bank.

            5. Unless otherwise defined, all capitalized terms in this Amendment
      shall be as defined in the Agreement. The Agreement, as amended hereby,
      shall be and remain in full force and effect in accordance with its
      respective terms and hereby is ratified and confirmed in all respects.
      Except as expressly set forth herein, the execution, delivery, and
      performance of this Amendment shall not operate as a waiver of, or as an
      amendment of, any right, power, or remedy of Bank under the Agreement, as
      in effect prior to the date hereof. Except as provided in Section 2 of
      this Amendment, the Pledge Agreement remains in full force and effect.

            6. Borrower represents and warrants that the representations and
      warranties contained in the Agreement and the Pledge Agreement are true
      and correct as of the date of this Amendment, and that no Event of Default
      has occurred or is continuing.

            7. As a condition to the effectiveness of this Amendment, Bank shall
      have received, in form and substance satisfactory to Bank, the following:

                        (a) this Amendment, duly executed by Borrower; and

                        (b) all reasonable Bank Expenses incurred through the
      date of this Amendment, which may be debited from any of Borrower's
      accounts.

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

            IN WITNESS WHEREOF, the undersigned have executed this Amendment as
      of the first date above written.

                                     OCULAR SCIENCES, INC.

                                     By:    /s/ Steven M. Neil
                                            -----------------------------------
                                     Name:      Steven M. Neil
                                            -----------------------------------
                                     Title:     CFO
                                            -----------------------------------

                                     COMERICA BANK, SUCCESSOR BY MERGER TO
                                     COMERICA BANK-CALIFORNIA,
                                     as Agent and as a Lender

                                     By:    /s/ John Esposito
                                            -----------------------------------
                                     Name:      John Esposito
                                            -----------------------------------
                                     Title:     Vice President
                                            -----------------------------------

                                     THE NORTHERN TRUST COMPANY,
                                     as a Lender

                                     By:    /s/ John E. Burda
                                            -----------------------------------
                                     Name:      John E. Burda
                                            -----------------------------------
                                     Title:     Vice President
                                            -----------------------------------

                                      -3-<PAGE>

                                                                    EXHIBIT 10.2

                              CONSENT AND AGREEMENT

      This CONSENT AND AGREEMENT (this "Agreement"), dated as of July 27, 2004,
is entered into by and among OCULAR SCIENCES K.K., a Japanese corporation (the
"Borrower"), Ocular Sciences, Inc., a Delaware corporation ("Guarantor"), and
WELLS FARGO HSBC TRADE BANK N.A., a national banking association (the "Lender";
together with the Borrower and the Parent, the "Parties"). Capitalized terms not
otherwise defined herein shall have the meaning set forth in that certain Credit
Agreement, dated as of December 29, 2003, by and between the Borrower and the
Lender (the "Credit Agreement").

      WHEREAS, the Borrower and Lender are parties to the Credit Agreement,
pursuant to the terms and conditions of which the Lender made available to the
Borrower a $15 million Yen denominated revolving credit facility (the "Credit
Facility");

      WHEREAS, the Guarantor executed that certain Parent Guaranty, dated as of
December 29, 2003 (as amended, the "Parent Guaranty"), pursuant to the terms of
which it guaranteed to the Lender the Borrower's obligations under the Credit
Agreement;

      WHEREAS, the Borrower and Parent have advised the Lender that the Parent
is negotiating an agreement (the "Acquisition Agreement") pursuant to the terms
of which the Parent and the Borrower would be acquired by another entity;

      WHEREAS, the Borrower and Parent have further advised the Lender that the
Borrower desires to terminate the Credit Agreement immediately prior to the
consummation of the transactions contemplated by the Acquisition Agreement, if
and when such transactions are consummated;

      WHEREAS, the Lender has agreed to consent to the Acquisition Agreement
and, upon consummation of the transactions contemplated by the Acquisition
Agreement, the termination of the Credit Agreement on the terms and conditions
set forth below;

      NOW, THEREFORE, in consideration of these premises, the Parties hereby
agree as follows:

      Section 1. Consent to Acquisition Agreement. Notwithstanding any provision
in the Credit Agreement or the Parent Guaranty to the contrary, the Lender
agrees that the Parent may execute, deliver and perform the terms and conditions
of the Acquisition Agreement.

      Section 2. Suspension of Borrowing. Notwithstanding any provision in the
Credit Agreement to the contrary, each of the Parties agrees that, effective
upon execution of this Agreement by the Parties, the right of the Borrower to
request Loans from the Lender, and the obligation of the Lender to make Loans
available to the Borrower, in each case as shall be provided by the Credit
Agreement, shall be suspended until such time as the Acquisition Agreement shall
have been terminated by the Parent and the Lender shall have received such

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evidence and documentation as it shall reasonably require concerning such
termination of the Acquisition Agreement.

      Section 3. Termination of Credit Agreement.

      Subject to Section 4 below, all of the rights and obligations of the
Borrower and the Lender under the Credit Agreement shall terminate immediately
prior to consummation of the transactions contemplated by the Acquisition
Agreement (the "Termination Date"); provided, however, that prior to or
concurrently with the consummation of the transactions contemplated by the
Acquisition Agreement, all of the Borrower's obligations under the Credit
Agreement shall have been fully, finally, and indefeasible repaid in cash.
Without limiting the generality of the foregoing, the obligation of the Lender
to make Loans available to the Borrower, and the right of the Borrower to
receive Loans from the Lender, pursuant to Section 1.01 of the Credit Agreement
shall be terminated.

      Section 4. Survival of Rights and Obligations With Respect to Prior
Periods.

      Notwithstanding anything to the contrary contained herein, any rights and
obligations under the Credit Agreement relating to the period prior to the
Termination Date shall survive any termination of the Credit Agreement effected
hereby. Without limiting the generality of the foregoing, the rights and
obligations that shall survive such termination shall include (i) the rights and
obligations of Borrower and the Lender with respect to amounts paid or payable
by either party prior to such termination, and (ii) the obligations of the
Borrower to reimburse the Lender with respect to losses, liabilities,
obligations, damages, penalties, actions, judgments, suits, costs, expenses and
disbursements (collectively, "Expenses") relating to the period prior to such
termination regardless of whether such Expenses are imposed on, incurred by or
asserted against the Bank before or after such termination.

      Section 5. Costs and Expenses.

      The Borrower agrees to pay and reimburse the Lender for all costs, fees,
and expenses payable in connection with, arising out of or in any way related
to, or otherwise incurred by Lender in connection with this Agreement and the
termination of the Credit Facility.

      Section 6. Governing Law.

      This Agreement shall be construed in accordance with and governed by the
laws of the State of California (without giving effect to its choice of law
principles).

      Section 7. Counterparts.

      This Agreement may be executed in any number of counterparts with the same
effect as if all signatures were upon the same instrument.

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      IN WITNESS WHEREOF, the Parties hereto have caused this Consent and
Agreement to be executed by their duly authorized representatives as of the date
first written above.

                                     OCULAR SCIENCES K.K.

                                     By        /s/ James M. Welsh
                                        ----------------------------------------
                                        Name:      James M. Welsh
                                        Title:     Director

                                     OCULAR SCIENCES, INC.

                                     By        /s/ Steven M. Neil
                                        ----------------------------------------
                                        Name:      Steven M. Neil
                                        Title:     Chief Financial Officer

                                     WELLS FARGO HSBC TRADE BANK N.A.

                                     By        /s/ M.W. Beachler
                                        ---------------------------------------
                                        Name:      M.W. Beachler
                                        Title:     Vice President

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