Document:

<PAGE>

                           CHANGE IN TERMS AGREEMENT

<TABLE>
<S>              <C>        <C>         <C>        <C>     <C>         <C>         <C>       <C>
=========================================================================================================
    Principal    Loan Date   Maturity   Loan No    Call    Collateral  Account     Officer   Initials
 $10,000,000.00             04-30-2001   9003       C         7420     7057008      11049
---------------------------------------------------------------------------------------------------------
  References in the shaded area are for Lender's use only and do not limit the applicability of this
  document to any particular loan or item.
---------------------------------------------------------------------------------------------------------

Borrower:  1-800 CONTACTS (DELAWARE), INC. also known as         Lender:   ZIONS FIRST NATIONAL BANK
           1-800 CONTACTS, INC.                                            HEAD OFFICE/COMMERCIAL BANKING
           66 EAST WADSWORTH PARK DRIVE, 3RD FLOOR                         2460 SOUTH 3270 WEST
           DRAPER, UT  84020                                               WEST VALLEY CITY, UT  84119
=========================================================================================================
</TABLE>

Principal Amount: $10,000,000.00            Date of Agreement: November 22, 2000

FOR VALUABLE CONSIDERATION, Lender and Borrower agree to the following change in
Borrower's obligation:

DESCRIPTION OF EXISTING INDEBTEDNESS. PROMISSORY NOTE FROM 1-800 CONTACTS
(DELAWARE), INC. ALSO KNOW AS 1-800 CONTACTS, INC. TO LENDER DATED SEPTEMBER 17,
1999 IN THE ORIGINAL PRINCIPAL AMOUNT OF $10,000,000.00, WITH A INTEREST RATE OF
BASE PLUS .500%. Maturity date of April 30, 2001

DESCRIPTION OF COLLATERAL. COMMERCIAL SECURITY AGREEMENT DATED OCTOBER 29, 1998.

DESCRIPTION OF CHANGE IN TERMS. INTEREST RATE TO BE REDUCED FROM PRIME RATE PLUS
 .50% TO A RATE EQUAL TO PRIME RATE.

PROMISE TO PAY. 1-800 CONTACTS (DELAWARE), INC. also known as 1-800 CONTACTS,
INC. ("Borrower") promises to pay to ZIONS FIRST NATIONAL BANK ("Lender"), or
order, In lawful money of the United States of America, the principal amount of
Ten Million & 00/100 Dollars ($10,000,000.00) or so much as may be outstanding,
together with Interest on the unpaid outstanding principal balance of each
advance. Interest shall be calculated from the date of each advance until
repayment of each advance.

PAYMENT. Borrower will pay this loan in accordance with the following payment
schedule:

     ALL OTHER TERMS AND CONDITIONS OF THE NOTE REMAIN UNCHANGED.

The annual interest rate for this Agreement is computed on a 365/360 basis; that
is, by applying the ratio of the annual interest rate over a year of 360 days,
multiplied by the outstanding principal balance, multiplied by the actual number
of days the principal balance is outstanding. Borrower will pay Lender at
Lender's address shown above or at such other place as Lender may designate in
writing. Unless otherwise agreed or required by applicable law, payments will be
applied first to any unpaid collection costs and any late charges, then to any
unpaid interest, and any remaining amount to principal.

VARIABLE INTEREST RATE. The interest rate on this Agreement is subject to change
from time to time based on changes in an index which is the ZIONS FIRST NATIONAL
BANK PRIME RATE (the "Index"). "PRIME RATE" MEANS AN INDEX WHICH IS DETERMINED
DAILY BY THE PUBLISHED COMMERCIAL LOAN VARIABLE RATE INDEX HELD BY ANY TWO OF
THE FOLLOWING BANKS: CHASE MANHATTAN BANK, WELLS FARGO BANK N.A., AND BANK OF
AMERICA, N.A. IN THE EVENT NO TWO OF THE ABOVE BANKS HAVE THE SAME PUBLISHED
RATE, THE BANK HAVING THE MEDIAN RATE WILL ESTABLISH LENDERS' PRIME RATE. IF,
FOR ANY REASON BEYOND THE CONTROL OF LENDER, ANY OF THE AFOREMENTIONED BANKS
BECOMES UNACCEPTABLE AS A REFERENCE FOR THE PURPOSE OF DETERMINING THE PRIME
RATE USED HEREIN, LENDER MAY, FIVE DAYS AFTER POSTING NOTICE IN LENDERS OFFICES,
SUBSTITUTE ANOTHER COMPARABLE BANK FOR THE ONE DETERMINED UNACCEPTABLE. AS USED
IN THIS PARAGRAPH, "COMPARABLE BANK" SHALL MEAN ONE OF THE TEN LARGEST
COMMERCIAL BANKS HEADQUARTERED IN THE UNITED STATES OF AMERICA. THIS DEFINITION
OF PRIME RATE IS TO BE STRICTLY INTERPRETED AND IS NOT INTENDED TO SERVE ANY
PURPOSE OTHER THAN PROVIDING AN INDEX TO DETERMINE THE VARIABLE INTEREST RATE
USED HEREIN IT IS NOT THE LOWEST RATE AT WHICH LENDER MAY MAKE LOANS TO ANY OF
ITS CUSTOMERS, EITHER NOW OR IN THE FUTURE.. Lender will tell Borrower the
current Index rate upon Borrower's request Borrower understands that Lender may
make loans based on other rates as well. The interest rate change will not occur
more often than each DAY. The Index currently Is 9.500% per annum. The interest
rate to be applied to the unpaid principal balance of this Agreement will be at
a rate equal to the Index, resulting In an Initial rate of 9.500% per annum.
NOTICE: Under no circumstances will the interest rate on this Agreement be more
than the maximum rate allowed by applicable law.

PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges
are earned fully as of the date of the loan and will not be subject to refund
upon early payment (whether voluntary or as a result of default), except as
otherwise required by law. Except for the foregoing, Borrower may pay without
penalty all or a portion of the amount owed earlier than it is due. Early
payments will not, unless agreed to by Lender in writing, relieve Borrower of
Borrower's obligation to continue to make payments of accrued unpaid interest.
Rather, they will reduce the principal balance due.

DEFAULT. Borrower will be in default if any of the following happens: (a)
Borrower fails to make any payment when due. (b) Borrower breaks any promise
Borrower has made to Lender, or Borrower fails to comply with or to perform when
due any other term, obligation, covenant, or condition contained in this
Agreement or any agreement related to this Agreement, or in any other agreement
or loan Borrower has with Lender. (c) Borrower defaults under any loan,
extension of credit, security agreement, purchase or sales agreement, or any
other agreement, in favor of any other creditor or person that may materially
affect any of Borrower's property or Borrower's ability to repay this Note or
perform Borrower's obligations under this Note or any of the Related Documents.
(d) Any representation or statement made or furnished to Lender by Borrower or
on Borrower's behalf is false or misleading in any material respect either now
or at the time made or furnished. (e) Borrower becomes insolvent, a receiver is
appointed for any part of Borrower's property, Borrower makes an assignment for
the benefit of creditors, or any proceeding is commenced either by Borrower or
against Borrower under any bankruptcy or insolvency laws. (f) Any creditor tries
to take any of Borrower's property on or in which Lender has a lien or security
interest. This includes a garnishment of any of Borrower's accounts with Lender.
(g) Any guarantor dies or any of the other events described in this default
section occurs with respect to any guarantor of this Agreement. (h) A material
adverse change occurs in Borrower's financial condition, or Lender believes the
prospect of payment or performance of the Indebtedness is impaired. (i) Lender
in good faith deems itself insecure.

If any default, other than a default in payment, is curable and if Borrower has
not been given a notice of a breach of the same provision of this Agreement
within the preceding twelve (12) months, it may be cured (and no event of
default will have occurred) if Borrower, after receiving written notice from
Lender demanding cure of such default: (a) cures the default within fifteen (15)
days; or (b) if the cure requires more than fifteen (15) days, immediately
initiates steps which Lender deems in Lender's sole discretion to be sufficient
to cure the default and thereafter continues and completes all reasonable and
necessary steps sufficient to produce compliance as soon as reasonably
practical.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal
balance on this Agreement and all accrued unpaid interest immediately due,
without notice, and then Borrower will pay that amount. Upon default, including
failure to pay upon final maturity, Lender, at its option, may also, if
permitted under applicable law, increase the variable interest rate on this
Agreement to 3.000 percentage points over the Index. The interest rate will not
exceed the maximum rate permitted by applicable law. Lender may hire or pay
someone else to help collect this Agreement if Borrower does not pay. Borrower
also will pay Lender that amount. This includes, subject to any limits under
applicable law, Lender's reasonable attorneys' fees and Lender's legal expenses
whether or not there is a lawsuit, including reasonable attorneys' fees and
legal expenses for bankruptcy proceedings (including efforts to modify or vacate
any automatic stay or injunction), appeals, and any anticipated post-judgment
collection services. If
<PAGE>

11-22-2000                 CHANGE IN TERMS AGREEMENT                     Page 2
                                  (Continued)

================================================================================

not prohibited by applicable law, Borrower also will pay any court costs, in
addition to all other sums provided by law. This Agreement has been delivered to
Lender and accepted by Lender in the State of Utah. If there is a lawsuit,
Borrower agrees upon Lender's request to submit to the jurisdiction of the
courts of SALT LAKE county, the State of Utah. Subject to the provisions on
arbitration, this Agreement shall be governed by and construed in accordance
with the laws of the State of Utah.

RIGHT OF SETOFF. Borrower grants to Lender a contractual security interest in,
and hereby assigns, conveys, delivers, pledges, and transfers to Lender all
Borrower's right, title and interest in and to, Borrower's accounts with Lender
(whether checking, savings, or some other account), including without limitation
all accounts held jointly with someone else and all accounts Borrower may open
in the future, excluding however all IRA and Keogh accounts, and all trust
accounts for which the grant of a security interest would be prohibited by law.
Borrower authorizes Lender, to the extent permitted by applicable law, to charge
or setoff all sums owing on this Agreement against any and all such accounts.

LINE OF CREDIT. This Agreement evidences a revolving tine of credit. Advances
under this Agreement may be requested orally by Borrower or by an authorized
person. Lender may, but need not, require that all oral requests be confirmed in
writing. All communications, instructions, or directions by telephone or
otherwise to Lender are to be directed to Lender's office shown above. The
following party or parties are authorized to request advances under the line of
credit until Lender receives from Borrower at Lender's address shown above
written notice of revocation of their authority: JONATHAN C. COON, PRESIDENT AND
CEO; JOHN NICHOLS, VICE PRESIDENT; and SCOTT TANNER, CHIEF FINANCIAL OFFICER.
Borrower agrees to be liable for all sums either: (a) advanced in accordance
with the instructions of an authorized person or (b) credited to any of
Borrower's accounts with Lender. The unpaid principal balance owing on this
Agreement at any time may be evidenced by endorsements on this Agreement or by
Lender's internal records, including daily computer print-outs. Lender will have
no obligation to advance funds under this Agreement if: (a) Borrower or any
guarantor is in default under the terms of this Agreement or any agreement that
Borrower or any guarantor has with Lender, including any agreement made in
connection with the signing of this Agreement; (b) Borrower or any guarantor
ceases doing business or is insolvent; (C) any guarantor seeks, claims or
otherwise attempts to limit, modify or revoke such guarantor's guarantee of this
Agreement or any other loan with Lender; (d) Borrower has applied funds provided
pursuant to this Agreement for purposes other than those authorized by Lender;
or (e) Lender in good faith deems itself insecure under this Agreement or any
other agreement between Lender and Borrower.

ARBITRATION DISCLOSURES:

     1.   ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY
          VERY LIMITED REVIEW BY A COURT.

     2.   IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN
          COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL.

     3.   DISCOVERY IN ARBITRATION IS MORE LIMITED THAN DISCOVERY IN COURT.

     4.   ARBITRATORS ARE NOT REQUIRED TO INCLUDE FACTUAL FINDINGS OR LEGAL
          REASONING IN THEIR AWARDS. THE RIGHT TO APPEAL OR TO SEEK
          MODIFICATION OF ARBITRATORS' RULINGS IS VERY LIMITED.

     5.   A PANEL OF ARBITRATORS MIGHT INCLUDE AN ARBITRATOR WHO IS OR WAS
          AFFILIATED WITH THE BANKING INDUSTRY.

     6.   IF YOU HAVE QUESTIONS ABOUT ARBITRATION, CONSULT YOUR ATTORNEY OR
          THE AMERICAN ARBITRATION ASSOCIATION.

          (a)  Any claim or controversy ("Dispute") between or among the parties
     and their assigns, including but not limited to Disputes arising out of or
     relating to this agreement, this arbitration provision ("arbitration
     clause"), or any related agreements or instruments relating hereto or
     delivered in connection herewith ("Related Documents"), and including but
     not limited to a Dispute based on or arising from an alleged tort, shall at
     the request of any party be resolved by binding arbitration in accordance
     with the applicable arbitration rules of the American Arbitration
     Association (the "Administrator"). The provisions of this arbitration
     clause shall survive any termination, amendment, or expiration of this
     agreement or Related Documents. The provisions of this arbitration clause
     shall supersede any prior arbitration agreement between or among the
     parties. If any provision of this arbitration clause should be determined
     to be unenforceable, all other provisions of this arbitration clause shall
     remain in full force and effect.

          (b)  The arbitration proceedings shall be conducted in Salt Lake City,
     Utah, at a place to be determined by the Administrator. The Administrator
     and the arbitrator(s) shall have the authority to the extent practicable to
     take any action to require the arbitration proceeding to be completed and
     the arbitrator(s)' award issued within one hundred fifty (150) days of the
     filing of the Dispute with the Administrator. The arbitrator(s) shall have
     the authority to impose sanctions on any party that fails to comply with
     time periods imposed by the Administrator or the arbitrator(s), including
     the sanction of summarily dismissing any Dispute or defense with prejudice.
     The arbitrator(s) shall have the authority to resolve any Dispute regarding
     the terms of this agreement, this arbitration clause or Related Documents,
     including any claim or controversy regarding the arbitrability of any
     Dispute. All limitations periods applicable to any Dispute or defense,
     whether by statute or agreement, shall apply to any arbitration proceeding
     hereunder and the arbitrator(s) shall have the authority to decide whether
     any Dispute or defense is barred by a limitations period and, if so, to
     summarily enter an award dismissing any Dispute or defense on that basis.
     The doctrines of compulsory counterclaim, res judicata, and collateral
     estoppel shall apply to any arbitration proceeding hereunder so that a
     party must state as a counterclaim in the arbitration proceeding any claim
     or controversy which arises Out of the transaction or occurrence that is
     the subject matter of the Dispute. The arbitrator(s) may in the
     arbitrator(s)' discretion and at the request of any party: (1) consolidate
     in a single arbitration proceeding any other claim or controversy involving
     another party that is substantially related to the Dispute where that other
     party is bound by an arbitration clause with the Lender, such as borrowers,
     guarantors. sureties, and owners of collateral; (2) consolidate in a single
     arbitration proceeding any other claim or controversy that is substantially
     similar to the Dispute; and (3) administer multiple arbitration claims or
     controversies as class actions in accordance with the provisions of Rule 23
     of the Federal Rules of Civil Procedure.

          (c)  The arbitrator(s) shall be selected in accordance with the rules
     of the Administrator from panels maintained by the Administrator. A single
     arbitrator shall have expertise in the subject matter of the Dispute. Where
     three arbitrators conduct an arbitration proceeding, the Dispute shall be
     decided by a majority vote of the three arbitrators, at least one of whom
     must have expertise in the subject matter of the Dispute and at least one
     of whom must be a practicing attorney. The arbitrator(s) shall award to the
     prevailing party recovery of all costs and fees (including attorneys' fees
     and costs, arbitration administration fees and costs, and arbitrator(s)'
     fees). The arbitrator(s), either during the pendency of the arbitration
     proceeding or as part of the arbitration award, also may grant provisional
     or ancillary remedies, including but not limited to an award of injunctive
     relief, foreclosure, sequestration, attachment, replevin, garnishment, or
     the appointment of a receiver.

          (d)  Judgment upon an arbitration award may be entered in any court
     having jurisdiction, subject to the following limitation: the arbitration
     award is binding upon the parties only if the amount does not exceed Four
     Million Dollars ($4,000,000.00); if the award exceeds that limit, either
     party may demand the right to a court trial. Such a demand must be filed
     with the Administrator within thirty (30) days following the date of the
     arbitration award; if such a demand is not made within that time period,
     the amount of the arbitration award shall be binding. The computation of
     the total amount of an arbitration award shall include amounts awarded for
     attorneys fees and costs, arbitration administration fees and costs, and
     arbitrator(s)' fees

          (e)  No provision of this arbitration clause. nor the exercise of any
     rights hereunder, shall limit the right of any party to: (1) judicially or
     non-judicially foreclose against any real or personal property collateral
     or other security; (2) exercise self-help remedies, including but not
     limited to repossession and setoff rights; or (3) obtain from a court
     having jurisdiction thereover any provisional or ancillary remedies,
     including but not limited to injunctive relief, foreclosure, sequestration,
     attachment, replevin, garnishment, or the appointment of a receiver. Such
     rights can be
<PAGE>

11-22-2000                 CHANGE IN TERMS AGREEMENT                     Page 3
                                  (Continued)

================================================================================

     exercised at any time, before or during initiation of an arbitration
     proceeding, except to the extent such action is contrary to the arbitration
     award. The exercise of such rights shall not constitute a waiver of the
     right to submit any Dispute to arbitration, and any claim or controversy
     related to the exercise of such rights shall be a Dispute to be resolved
     under the provisions of this arbitration clause. Any party may initiate
     arbitration with the Administrator; however, if any party initiates
     litigation and another party disputes any allegation in that litigation,
     the disputing party--upon the request at the initiating party--must file a
     demand for arbitration with the Administrator and pay the Administrator's
     filing fee. The parties may serve by mail a notice of an initial motion for
     an order of arbitration.

          (f)  Notwithstanding the applicability of any other law to this
     agreement, the arbitration clause, or Related Documents between or among
     the parties, the Federal Arbitration Act, 9 U.S.C. Section 1 et seq.,
     shall apply to the construction and interpretation of this arbitration
     clause.

CONTINUING VALIDITY. Except as expressly changed by this Agreement, the terms of
the original obligation or obligations, including all agreements evidenced or
securing the obligation(s), remain unchanged and in full force and effect.
Consent by Lender to this Agreement does not waive Lender's right to strict
performance of the obligation(s) as changed, nor obligate Lender to make any
future change in terms. Nothing in this Agreement will constitute a satisfaction
of the obligation(s). This Agreement is a final expression of the agreement
between Lender and Borrower and may not be contradicted by evidence of any
alleged oral agreement. It is the intention of Lender to retain as liable
parties all makers and endorsers of the original obligation(s), including
accommodation parties, unless a party is expressly released by Lender in
writing. Any maker or endorser, including accommodation makers, will not be
released by virtue of this Agreement. If any person who signed the original
obligation does not sign this Agreement below, then all persons signing below
acknowledge that this Agreement is given conditionally, based on the
representation to Lender that the non-signing party consents to the changes and
provisions of this Agreement or otherwise will not be released by it. This
waiver applies not only to any initial extension, modification or release, but
also to all such subsequent actions.

PRIOR NOTE. This is a renewal of a Promissory Note from Borrower to Lender dated
October 29, 1998 in the original principal amount of $5,000,000.00.

MISCELLANEOUS PROVISIONS. Lender may delay or forgo enforcing any of its rights
or remedies under this Agreement without losing them. Borrower and any other
person who signs, guarantees or endorses this Agreement, to the extent allowed
by law, waive presentment, demand for payment, protest and notice of dishonor.
Upon any change in the terms of this Agreement, and unless otherwise expressly
stated in writing, no party who signs this Agreement, whether as maker,
guarantor, accommodation maker or endorser, shall be released from liability.
All such parties agree that Lender may renew or extend (repeatedly and for any
length of time) this loan, or release any party or guarantor or collateral; or
impair, fail to realize upon or perfect Lender's security interest in the
collateral; and take any other action deemed necessary by Lender without the
consent of or notice to anyone. All such parties also agree that Lender may
modify this loan without the consent of or notice to anyone other than the party
with whom the modification is made.

FINAL AGREEMENT. Borrower understands that this Agreement and the related loan
documents are the final expression of the agreement between Lender and Borrower
and may not be contradicted by evidence of any alleged oral agreement.

PRIOR TO SIGNING THIS AGREEMENT, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
OF THIS AGREEMENT, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER
AGREES TO THE TERMS OF THE AGREEMENT AND ACKNOWLEDGES RECEIPT OF A COMPLETED
COPY OF THE AGREEMENT.

BORROWER:

1-800 CONTACTS (DELAWARE), INC. also known as 1-800 CONTACTS, INC.

   COPY
By:     /s/ Jonathan Coon
    ------------------------------------
    JONATHAN C. COON, PRESIDENT AND CEO

===============================================================================
Variable Rate Line of Credit       LASER PRO, Reg. U.S. Pat. & T.M. Off., Ver.
                                   3.29(C) Concentrex 2000 All rights reserved.
                                   [UT-D20 CONTACTS.LN C3.OVL]<PAGE>

                      FIRST AMENDMENT TO LEASE AGREEMENT

      This FIRST AMENDMENT TO LEASE AGREEMENT ("Amendment") is entered into as
of the 9th day of October, 2000 by and between ProLogis North American
Properties Fund I LLC, a Delaware Limited Liability Company (the "Landlord") and
1-800-CONTACTS (the "Tenant").

                              W I T N E S S E T H:

      WHEREAS, Landlord and Tenant have entered into a Lease, dated as of the
13th day of October, 1998, pursuant to which Landlord Leased in Tenant certain
premises located at 1130 South 3800 West, Unit 300 (such Lease, as heretofore
and hereafter modified, being herein referred to as the "Lease").

      WHEREAS, Landlord and Tenant desire to extend the Lease on the terms and
conditions set forth below:

      NOW THEREFORE, in consideration of Ten Dollars ($10.00) and other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the Landlord and Tenant agree as follows:

      1.    The current premises (the "Premises"), consisting of 34,850 square
            feet, will be increased by approximately 31,000 square feet (the
            "Expansion Premises") more commonly known as 1130 South 3800 West,
            Unit 500, Salt Lake City, Utah. Total square footage of the Premises
            and Expansion Premises (the "Total Premises") will equal 65,850
            square feet. The Expansion Premises are depicted on Exhibit "A"
            attached hereto.

      2.    The term for the Expansion Premises will commence on November 1,
            2000 and expire on December 31, 2002, and the term for the Existing
            Premises will be extended with an expiration date of December 31,
            2002.

      3.    The Base Rent for the Expansion Premises will be $9,765.00 per month
            added in the existing rent of $11,674.75 per month due and payable
            on the 1st day of each calendar month.

      4.    The Estimated Basic Operating Costs per month of the Expansion
            Premises, to be added to the existing monthly Estimated Operating
            Costs of $2,556.61, areas follows:

                      Property Taxes:   $  328.60
                      CAM               $1,472.50
                      Insurance         $  102.30
                      Other             $  372.00
                                        ---------
                                        $2,275.40

      5     Landlord agrees to furnish or perform at Landlord's sole cost and
            expense those improvements to the Premises (the "Tenant
            Improvements") specified below and Landlord shall be under no
            further obligation to perform any other improvements to the Premises
            or the Expansion Premises.

                  Landlord, at Landlord's expense, shall penetrate a 16'0" X
                  16'0" opening in wall connecting the spaces, and construct an
                  additional 8'0" X 8'0" opening as a walkway between the
                  spaces. Landlord shall also construct approximately 1,000 s.f.
                  of office space. Landlord further warrants that all mechanical
                  portions of the Expansion Premises are to be delivered in good
                  operating condition. Lighting specifications of the Expansion
                  Premises are as follows: 15' 30" above finished door.

      6.    One Renewal Option:

      (a) Provided that as of the time of the giving of the Extension Notice and
      the Commencement Date of the Extension Term, (x) Tenant is the Tenant
      originally named herein or a Tenant affiliate or successor by merger
      consolidation or transfer of assets as set forth in Paragraph 17 of the
      Lease, (y) Tenant actually occupies all of the Premises initially demised
      under this Lease and any space added to the Premises, and (z) no Event of
      Default exists or would exist but for the passage of time or the giving of
      notice, or both; then Tenant shall have the right to extend the Lease Term
      for an additional Term of 2 years (such additional term is hereinafter
      called the "Extension Term") commencing on the day following the
      expiration of the Lease term (hereinafter referred to as the "Commencement
      Date of the Extension Term"). Tenant shall give Landlord notice
      (hereinafter called the "Extension Notice") of its election to extend the
      term of the Lease Term at least 7 months, but not more than 12 months
      prior to the scheduled expiration date of the Lease Term.

      (b) The Base Rent payable by Tenant to Landlord during the Extension Term
      shall be the greater of (i) the Base Rent of $21,439.75 and (ii) the then
      prevailing market rate for comparable space in the Project and comparable
      buildings in the vicinity of the Project, taking into account the size of
      the Lease, the length of the renewal term, market escalations and the
      credit of Tenant. The Base Rent shall not be reduced by reason of any
      costs or expenses saved by Landlord by reason of Landlord's not having to
      find a new tenant for such premises (including, without limitation,
      brokerage commissions, costs of improvements, rent concessions or lost
      rental income during any vacancy period). In the event Landlord and Tenant
      fail to reach an agreement on such rental rate and execute the Amendment
      (defined below) at least 5 months prior to the expiration of the Lease,
      then Tenant's exercise of the renewal option shall be deemed withdrawn and
      Lease shall terminate on its original expiration date.
<PAGE>

      (c) The determination of Base Rent does not reduce the Tenant's obligation
      to pay or reimburse Landlord for operating expenses and other reimbursable
      items as set forth in the Lease, and Tenant shall reimburse and pay
      Landlord as set forth in the Lease with respect to such operating expenses
      and other items with respect to the Premises during the Extension Term
      without regard to any cap on such expenses set forth in the Lease.

      (d) Except for the Base Rent as determined above, Tenant's occupancy of
      the Premises during the Extension Term shall be on the same terms and
      conditions as are in effect immediately prior to the expiration of the
      initial Lease Term; provided, however, Tenant shall have no further right
      to any allowances, credits or abatements or any options to expand,
      contract, renew or extend the Lease.

      (e) If Tenant does not give the Extension Notice within the period set
      forth in paragraph (a) above, Tenant's right to extend the Lease Term
      shall automatically terminate. Time is of the essence as to the giving of
      the Extension Notice.

      (f) Landlord shall have no obligation to refurbish or otherwise improve
      the Premises for the Extension Terms. The Premises shall be tendered on
      the Commencement Date of the Extension in "as-is" condition, except as
      necessary, the re-carpeting of office in the original 34,850 s.f.
      Premises.

      (g) If the Lease is extended for the Extension Term, then Landlord shall
      prepare and Tenant shall execute an amendment to the Lease confirming the
      extension of the Lease Term and the other provisions applicable thereto
      (the "Amendment").

      (h) If Tenant exercises its right to extend the terms of the Lease for the
      Extension Term pursuant to this Addendum, the term "Lease Term" as used in
      the Lease, shall be construed to include, when practicable, the Extension
      Term, as applicable, except as provided in (d) above.

      7. Right of First Offer.

      (a) "Offered Space" shall mean the adjacent 17,850 sf which is located to
      the north of the initial Premises, 1130 South 3800 West, Unit 400, in the
      Crossroads Corporate Center #1, Salt Lake City, Utah.

      (b) Provided that as of the date of the giving of Landlord's Notice, (x)
      Tenant in the Tenant originally named herein, (y) Tenant actually occupies
      all of the Premises originally demised under this Lease and any premises
      added to the Premises, and (z) no Event of Default or event which but for
      the passage of time in the giving of notice, or both, would constitute and
      Event of Default has occurred and is continuing, if at any time during the
      Lease Term any lease for any portion of the offered space shall expire,
      then Landlord, before offering such Offered Space to anyone, other than
      the tenant them occupying such space (or it affiliates), shall offer to
      Tenant the right to include the Offered Space with the Premises on the
      same terms and conditions upon which Landlord intends to offer the Offered
      Space for lease.

      (c) Such offer shall be made by Landlord to Tenant in a written notice
      (hereinafter called the "First Offer Notice") which shall designate the
      space being offered and shall specify the terms which Landlord intends to
      offer with respect to any such Offered Space. Tenant may accept the offer
      set forth in the First Offer Notice by delivering to Landlord an
      unconditional acceptance (hereinafter called "Tenant's Notice") of such
      offer within five (5) business days after delivery by Landlord of the
      First Offer Notice to Tenant. Time shall be of the essence with respect to
      giving of Tenant's Notice. If Tenant does not accept (or fails to timely
      accept) an offer made by Landlord pursuant to the provisions of this
      Addendum with respect to the Offered Space designated in the First Offer
      Notice, Landlord shall be under no further obligation with respect to such
      space by reason of this Addendum.

      (d) Tenant must accept all Offered Space offered by Landlord at any one
      time if it desires to accept any of such Offered Space and may not
      exercise it right with respect to only part of such space. In addition, if
      Landlord desires to lease more than just the Offered Space to one tenant.
      Landlord may offer to Tenant pursuant to the terms hereof all such space
      which Landlord desires to lease, and Tenant must exercise it rights
      hereunder with respect to all such space and may not insist on receiving
      an offer for just the Offered Space.

      (e) If Tenant at any time declines any Offered Space offered by Landlord,
      Tenant shall be deemed to have irrevocably waived all further rights under
      this Addendum, and landlord shall be free to lease the Offered Space to
      third parties including on terms which may be less favorable to Landlord
      than those offered to Tenant.

      8.    Any obligation or liability whatsoever of ProLogis North American
            Properties Fund I LLC, a Delaware Limited Liability Company, which
            may arise at any time under the Lease or this Amendment or any
            obligation or liability which may be incurred by it pursuant to any
            other instrument, transaction or undertaking contemplated hereby,
            shall not be personally binding upon, nor shall resort for the
            enforcement thereof be had to the property of its trustees,
            directors, shareholders, officers, employees, or agents regardless
            of whether such obligation or liability is in the nature of
            contract, tort or otherwise.

      9.    Insofar as the specific terms and provisions of this Amendment
            purport to amend or modify or are in conflict with the specific
            terms, provisions and exhibits of the Lease, the terms and
            provisions of this Amendment shall govern and control.

      10.   Landlord and Tenant hereby agree that (a) this Amendment is
            incorporated into and made a part of the Lease, (b) any and all
            references to the Lease hereinafter shall include this Amendment,
            and (c) the
<PAGE>

            Lease and all terms, conditions, provisions and exhibits of the
            Lease are in full force and effect as of the date hereof, except as
            expressly modified and amended hereinabove.

      11.   Tenant warrants that it has had no dealings with any broker or agent
            in connection with this Amendment other than Grubb & Ellis, and
            covenants to pay, hold harmless and indemnify Landlord from and
            against any and all costs, expenses of liability for any
            compensation, commissions, and charges claimed by any other broker
            or agent, with respect to this Amendment or the negotiation thereof
            with whom Tenant had dealings.

     IN WITNESS WHEREOF, the parties hereto have signed this First Amendment to
Lease Agreement as of the day and year first above written.

     1-800-CONTACTS                    PROLOGIS NORTH AMERICAN PROPERTIES
                                       FUND I LLC, a Delaware Limited Liability
                                       Company by
                                       ProLogis Management Incorporated, Manager

     By: /s/ Kale Carlile              By: /s/ Ned K. Anderson
         ---------------------------       --------------------------
     Name:  Kale Carlile               Name:  Ned K. Anderson
            ------------------------        -------------------------
     Title: Director of Distribution   Title: Managing Director
            ------------------------    -----------------------------
            (Tenant)                    (Landlord)
<PAGE>

                                [ProLogis LOGO]

                                           December 12, 2000

Mr. Kale Carlile
1800 CONTACTS
1130 South 3800 West, Suite 300
Salt Lake City, UT 84104

RE:   1130 South 3800 West, Suite 500

Dear Kale:

      Welcome to our Crossroads Corporate Center #1, Suite 500 in Salt Lake
City, Utah. We would like to clarify some of the terms of your lease agreement
with ProLogis North American Properties Fund I LLC.

Lease Commencement Date:                  December 10, 2000

Lease Expiration Date:                    December 31, 2002

                                                                December, 00
                                                                ------------
                                                                Proration
                                                                ---------

Base Rental per month:                    $9,765.00             $6,930.00

Monthly Estimated Operating Expenses      $2,275.40             $1,614.80

TOTALS                                    $12,040.40            $8,544.80

      Please forward payment of $8,544.80 as soon as possible for the month of
December, 2000 to my attention at our local office. Coupons for 2001 with new
estimated monthly charges will be forthcoming under separate cover.

      Rental payments are due by the 1st of each month. Please make every effort
to ensure timely payment in order to avoid possible late fees.

      We are pleased to welcome you again as a customer in your new space at
Crossroads Corporate Center #1 and look forward to continuing to work with you.
Please indicate your agreement with the above changes to your lease by signing
and returning the enclosed copy of this letter to me. If I can be of service,
please do not hesitate to contact me.

                                Sincerely,

                                /s/ Lisa M. Logue
                                ------------------------------
                                Lisa M. Logue
                                Property Manager

Accepted by: /s/ Kale Carlile   12/20/00
             ---------------------------
             Kale L. Carlile      DATE
             1 800 CONTACTS

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