Execution Copy -------------- THIRD AMENDMENT AND SECOND WAIVER, dated as of September 28, 2005 (this "Amendment and Waiver"), to and under the CREDIT AGREEMENT, dated as of March 31, 2004 (as heretofore amended, supplemented or otherwise modified,...Credit Agreement • September 30th, 2005 • Home Interiors & Gifts Inc • Wholesale-furniture & home furnishings • New York
