FIRST AMENDMENT TO LOAN AGREEMENT This First Amendment to Loan Agreement (the "Amendment") is executed this 17th day of September, 1999, by and between 1-800 Contacts, Inc. also known as 1-800 Contacts, (Delaware), Inc. ("Borrower") and ZIONS NATIONAL...Loan Agreement • March 31st, 2000 • 1 800 Contacts Inc • Optical instruments & lenses • Utah
