<SUBMISSION>
<ACCESSION-NUMBER>0000950123-05-007356
<TYPE>S-1/A
<PUBLIC-DOCUMENT-COUNT>10
<FILING-DATE>20050615
<DATE-OF-FILING-DATE-CHANGE>20050614
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>DSW Inc.
<CIK>0001319947
<ASSIGNED-SIC>5661
<IRS-NUMBER>310746639
<STATE-OF-INCORPORATION>OH
<FISCAL-YEAR-END>0129
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>S-1/A
<ACT>33
<FILE-NUMBER>333-123289
<FILM-NUMBER>05896226
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>4150 EAST 5TH AVENUE
<CITY>COLUMBUS
<STATE>OH
<ZIP>43219
<PHONE>(614) 237-7100
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>4150 EAST 5TH AVENUE
<CITY>COLUMBUS
<STATE>OH
<ZIP>43219
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>S-1/A
<SEQUENCE>1
<FILENAME>x06593a3sv1za.htm
<DESCRIPTION>AMENDMENT NO. 3 TO FORM S-1
<TEXT>
<HTML>
<HEAD>
<TITLE>S-1/A</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>As filed with the Securities and Exchange Commission on
June&nbsp;15, 2005</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="right" style="font-size: 10pt;">
<B>Registration No.&nbsp;333-123289</B>
</DIV>

<DIV align="center" style="font-size: 6pt;">
<DIV style="width: 100%; border-top: 2.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 3pt;">
<DIV style="width: 100%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 14pt; margin-top: 4pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt;">
<B>Washington, D.C. 20549</B>
</DIV>

<DIV align="center" style="font-size: 3pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 26%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>AMENDMENT NO.&nbsp;3 TO</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 18pt;">
<B>FORM S-1</B>
</DIV>

<DIV align="center" style="font-size: 12pt;">
<B>REGISTRATION STATEMENT</B>
</DIV>

<DIV align="center" style="font-size: 12pt;">
<B>UNDER</B>
</DIV>

<DIV align="center" style="font-size: 12pt;">
<B>THE SECURITIES ACT OF 1933</B>
</DIV>

<DIV align="center" style="font-size: 3pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 26%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 8pt;">
<I>(Exact name of registrant as specified in its charter)</I>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="34%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="33%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="27%">&nbsp;</TD>
</TR>

<TR>
    <TD align="center" valign="top">
    <B>Ohio</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    <B>5661</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    <B>31-0746639</B></TD>
</TR>

<TR>
    <TD align="center" valign="top">
    <I>(State or Other Jurisdiction of<BR>
    Incorporation or Organization)</I></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    <I>(Primary Standard Industrial<BR>
    Classification Code Number)</I></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    <I>(I.R.S. Employer<BR>
    Identification No.)</I></TD>
</TR>

</TABLE>
</CENTER>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>4150 East
5<SUP style="font-size: 85%; vertical-align: text-top">th</SUP>
Avenue</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>Columbus, Ohio 43219</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>(614)&nbsp;237-7100</B>
</DIV>

<DIV align="center" style="font-size: 8pt;">
<I>(Address, Including Zip Code, and Telephone Number,</I>
</DIV>

<DIV align="center" style="font-size: 8pt;">
<I>Including Area Code, of Registrant&#146;s Principal Executive
Offices)</I>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Julia A. Davis</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>General Counsel</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>3241 Westerville Road</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>Columbus, Ohio 43224</B>
</DIV>

<DIV align="center" style="font-size: 8pt;">
<I>(Name, Address, Including Zip Code, and Telephone</I>
</DIV>

<DIV align="center" style="font-size: 8pt;">
<I>Number, Including Area Code, of Agent For Service)</I>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 8pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B><I>Copies to:</I></B>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="55%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="42%">&nbsp;</TD>
</TR>

<TR>
    <TD align="center" valign="top">
    <B>Robert M. Chilstrom<BR>
    Skadden, Arps, Slate, Meagher &#38; Flom LLP<BR>
    Four Times Square<BR>
    New York, New York 10036-6522<BR>
    (212)&nbsp;735-3000</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    <B>Steven J. Slutzky<BR>
    Debevoise &#38; Plimpton LLP<BR>
    919 Third Avenue<BR>
    New York, New York 10022<BR>
    (212)&nbsp;909-6000</B></TD>
</TR>

</TABLE>
</CENTER>

<DIV align="center" style="font-size: 3pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 26%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;
<B>Approximate date of commencement of proposed sale to the
public:</B> As soon as practicable after the effective date of
this registration statement.
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;
If any of the securities being registered on this form are to be
offered on a delayed or continuous basis pursuant to
Rule&nbsp;415 under the Securities Act of 1933, check the
following
box.&nbsp;&nbsp;&nbsp;&nbsp;<FONT face="wingdings">&#111;
</FONT>
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;
If this form is filed to register additional securities for an
offering pursuant to Rule&nbsp;462(b) under the Securities Act,
check the following box and list the Securities Act registration
statement number of earlier effective registration statement for
the same
offering.&nbsp;&nbsp;&nbsp;&nbsp;<FONT face="wingdings">&#111;
</FONT>
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;
If this form is a post-effective amendment filed pursuant to
Rule&nbsp;462(c) under the Securities Act, check the following
box and list the Securities Act registration statement number of
the earlier effective registration statement for the same
offering.&nbsp;&nbsp;&nbsp;&nbsp;<FONT face="wingdings">&#111;
</FONT>
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;
If this form is a post-effective amendment filed pursuant to
Rule&nbsp;462(d) under the Securities Act, check the following
box and list the Securities Act registration statement number of
the earlier effective registration statement for the same
offering.&nbsp;&nbsp;&nbsp;&nbsp;<FONT face="wingdings">&#111;
</FONT>
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;
If delivery of the prospectus is expected to be made pursuant to
Rule&nbsp;434, please check the following
box.&nbsp;&nbsp;&nbsp;&nbsp;<FONT face="wingdings">&#111;
</FONT>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>CALCULATION OF REGISTRATION FEE</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 3pt; ">

<TR style="font-size: 1pt;">
    <TD width="56%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD><!-- Right VRule -->
    <TD width="2%">&nbsp;</TD>
    <TD width="16%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD><!-- Right VRule -->
    <TD width="2%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD><!-- Right VRule -->
</TR>


<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;border-right:1.5pt solid #000000;">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Title of Each Class of</B></TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Proposed Maximum</B></TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Amount of</B></TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Securities to be Registered</B></TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Offering Price(1)(2)</B></TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Registration Fee(3)</B></TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
</TR>


<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;border-right:1.5pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Class&nbsp;A Common Shares, without par value</DIV>
    </TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    $275,000,000</TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    $32,368</TD>
    <TD style="border-right:1.5pt solid #000000;">&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD style="border-top: 1pt solid #000000;">&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 9pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Includes shares subject to underwriters&#146; option to purchase
    additional shares.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    Estimated solely for purposes of calculating the registration
    fee pursuant to Rule&nbsp;457(o) under the Securities Act of
    1933.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    DSW Inc. previously paid filing fees totaling $30,484 in
    connection with this registration statement. An additional fee
    of $1,884 has been paid in connection with the filing of this
    Amendment No.&nbsp;3.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<DIV align="left" style="font-size: 9pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;
<B>The Registrant hereby amends this Registration Statement on
such date or dates as may be necessary to delay its effective
date until the Registrant shall file a further amendment which
specifically states that this Registration Statement shall
thereafter become effective in accordance with Section&nbsp;8(a)
of the Securities Act of 1933 or until the Registration
Statement shall become effective on such date as the Commission,
acting pursuant to said Section&nbsp;8(a), may determine.</B>
</DIV>

<DIV align="center" style="font-size: 3pt; margin-top: 10pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 100%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 4pt;">
<DIV style="width: 100%; border-top: 2.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<TABLE width="100%" cellpadding="5" style="border: 3pt double #000000; margin-bottom: 6pt; font-size: 10pt"><TR><TD>
<B><FONT style="font-size: 8pt" color="#E8112D" face="helvetica,arial">The
information in this prospectus is not complete and may be
changed. We may not sell these securities until the registration
statement filed with the Securities and Exchange Commission is
effective. This prospectus is not an offer to sell these
securities, and we are not soliciting offers to buy these
securities, in any state or jurisdiction where the offer or sale
is not permitted.
</FONT></B>
</TD></TR></TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 1pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<FONT color="#E8112D">Subject to completion,
dated&nbsp;June&nbsp;15, 2005.
</FONT>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
PROSPECTUS
</DIV>

<DIV align="center" style="font-size: 16pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
14,062,500&nbsp;Shares
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<IMG src="x06593a3x0659301.gif" alt="(DSW LOGO)">
</DIV>

<DIV align="center" style="font-size: 16pt; margin-top: 4pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
Class&nbsp;A Common Shares
</DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 100%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
This is our initial public offering of Class&nbsp;A Common
Shares. We are offering 14,062,500&nbsp;shares. No public market
currently exists for our shares.
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
We have two classes of authorized Common Shares, Class&nbsp;A
Common Shares, which are offered hereby, and Class&nbsp;B Common
Shares, all of which are owned by Retail Ventures, Inc., or
Retail Ventures, a New York Stock Exchange listed public
company. Holders of Class&nbsp;A Common Shares generally have
identical rights to holders of Class&nbsp;B Common Shares,
except that holders of Class&nbsp;A Common Shares are entitled
to one vote per share on all matters to be voted on by
shareholders, while holders of Class&nbsp;B Common Shares are
entitled to eight votes per share on all matters to be voted on
by shareholders, voting together with the holders of the
Class&nbsp;A Common Shares as a single class.
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
Prior to this offering, Retail Ventures owned all our capital
stock. Upon completion of this offering, without giving effect
to any exercise of the underwriters&#146; option to purchase
additional shares, Retail Ventures will own all our outstanding
Class&nbsp;B Common Shares, which will represent approximately
66.2% of our outstanding Common Shares, and approximately 94.0%
of the combined voting power of our outstanding Common Shares.
After this offering, Retail Ventures will continue to control us.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
Our Class&nbsp;A Common Shares have been approved for listing on
the New York Stock Exchange under the symbol &#147;DSW.&#148; We
currently expect that the initial public offering price will be
between $15.00 and $17.00 per share.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<I>Investing in our Class&nbsp;A Common Shares involves risks.
See &#147;Risk Factors&#148; beginning on page&nbsp;9.</I>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 9pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="60%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="14%">&nbsp;</TD>
</TR>

<TR style="font-size: 10pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap>Per Share</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap>Total</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Public offering price</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    $</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    $</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Underwriting discounts</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    $</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    $</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Proceeds to DSW Inc. (before expenses)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    $</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    $</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 9pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
We have granted the underwriters a 30-day option to purchase up
to an aggregate of 2,109,375 additional Class&nbsp;A Common
Shares from us at the public offering price less the
underwriting discount if the underwriters sell more than
14,062,500&nbsp;Class&nbsp;A Common Shares.
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
Neither the Securities and Exchange Commission nor any state
securities commission has approved or disapproved of these
securities or determined if this prospectus is accurate or
complete. Any representation to the contrary is a criminal
offense.
</DIV>

<DIV align="left" style="font-size: 9pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
Lehman Brothers Inc., on behalf of the underwriters, expects to
deliver the Class&nbsp;A Common Shares on or
about &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2005.
</DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 100%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B><FONT style="font-variant:SMALL-CAPS">Lehman
Brothers</FONT></B>
</DIV>

<DIV align="center" style="font-size: 3pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 22%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="left" style="font-size: 16pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B> Goldman, Sachs &#38; Co.</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">

</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 16pt;">

<TR>
    <TD width="19%"></TD>
    <TD width="81%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <B> CIBC World Markets</B></TD>
</TR>

</TABLE>

<DIV align="center" style="font-size: 10pt;">

</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 16pt;">

<TR>
    <TD width="38%"></TD>
    <TD width="62%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <B> Johnson Rice &#38; Company L.L.C.</B></TD>
</TR>

</TABLE>

<DIV align="center" style="font-size: 10pt;">

</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 15pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2005
</DIV>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>
<IMG src="x06593a3x0659306.gif" alt="(Logo)">
<!-- PAGEBREAK -->
<P><HR noshade><P>

<DIV align="left" style="font-size: 10pt;">

</DIV>

<DIV align="left" style="font-size: 10pt;">
<!-- TOC -->
</DIV>

<DIV align="left" style="font-size: 10pt;">
<A name="tocpage"></A>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>TABLE OF CONTENTS</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="90%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Page</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#101'>PROSPECTUS SUMMARY</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#102'>RISK FACTORS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#103'>FORWARD-LOOKING STATEMENTS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>22</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#104'>USE OF PROCEEDS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>23</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#105'>DIVIDEND POLICY</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>24</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#106'>CAPITALIZATION</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#107'>DILUTION</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>26</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#108'>UNAUDITED PRO FORMA CONDENSED CONSOLIDATED
    FINANCIAL DATA</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>27</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#109'>SELECTED CONSOLIDATED FINANCIAL AND
    OPERATING DATA</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>31</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#110'>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS
    OF FINANCIAL CONDITION AND<BR>
    RESULTS OF OPERATIONS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>33</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#111'>BUSINESS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>52</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#112'>MANAGEMENT</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>64</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#113'>THE TRANSACTIONS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>81</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#114'>CERTAIN RELATIONSHIPS AND RELATED PARTY
    TRANSACTIONS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>82</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#115'>PRINCIPAL SHAREHOLDERS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>95</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#116'>DESCRIPTION OF INDEBTEDNESS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>97</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#117'>DESCRIPTION OF CAPITAL STOCK</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>101</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#118'>SHARES ELIGIBLE FOR FUTURE SALE</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>105</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#119'>MATERIAL U.S. FEDERAL INCOME AND ESTATE TAX
    CONSEQUENCES</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>107</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#120'>UNDERWRITING</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>109</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#121'>LEGAL MATTERS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>113</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#122'>EXPERTS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>113</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#123'>WHERE YOU CAN FIND MORE INFORMATION</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>113</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#124'>INDEX TO CONSOLIDATED FINANCIAL
    STATEMENTS</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-1</TD>
    <TD>&nbsp;</TD>
</TR>

<TR><TD colspan="9"><FONT size="2">&nbsp;<A HREF="x06593a3exv8w1.txt">EX-8.1: OPINION OF SKADDEN, ARPS, SLATE, MEAGHER & FLOM LLP</A></FONT></TD></TR>
<TR><TD colspan="9"><FONT size="2">&nbsp;<A HREF="x06593a3exv10w1w1.txt">EX-10.1.1: FORM OF AMENDMENT TO CORPORATE SERVICES AGREEMENT</A></FONT></TD></TR>
<TR><TD colspan="9"><FONT size="2">&nbsp;<A HREF="x06593a3exv10w11.txt">EX-10.11: FORM OF LOAN AND SECURITY AGREEMENT</A></FONT></TD></TR>
<TR><TD colspan="9"><FONT size="2">&nbsp;<A HREF="x06593a3exv23w1.txt">EX-23.1: CONSENT OF DELOITTE & TOUCHE LLP</A></FONT></TD></TR>
</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt;">
<!-- /TOC -->
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Until &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2005 (25&nbsp;days after the commencement of this offering), all
dealers effecting transactions in our Class&nbsp;A Common
Shares, whether or not participating in this offering, may be
required to deliver a prospectus. This is in addition to the
dealers&#146; obligations to deliver a prospectus when acting as
underwriters and with respect to their unsold allotments or
subscriptions.
</DIV>

<DIV align="center" style="font-size: 3pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>ABOUT THIS PROSPECTUS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In making your investment decision, you should rely only on the
information contained in this prospectus. We have not, and the
underwriters have not, authorized any other person to provide
you with different information. If anyone provides you with
different or inconsistent information, you should not rely on
it. We are not, and the underwriters are not, making an offer to
sell these securities in any jurisdiction where an offer or sale
is not permitted. You should assume that the information
appearing in this prospectus is accurate as of the date on the
front cover of this prospectus only. Our business, financial
condition, results of operations and prospects may have changed
since that date.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The market share and industry data disclosed under
&#147;Business&nbsp;&#151; Industry Overview and
Competition&#148; in this prospectus have been obtained from NPD
Fashionworld&#174;, a division of NPD Group, Inc.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>
<DIV style="width: 100%; border: 1px solid black; padding: 12px;">

<DIV align="left" style="font-size: 10pt;">
<A name='101'></A>
</DIV>

<!-- link1 "PROSPECTUS SUMMARY" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>PROSPECTUS SUMMARY</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This summary highlights the material information regarding this
offering contained elsewhere in this prospectus. This summary
does not contain all the information you should consider before
investing in our Class&nbsp;A Common Shares. Before investing in
our Class&nbsp;A Common Shares, you should read this entire
prospectus carefully, including the &#147;Risk Factors&#148; and
&#147;Forward-Looking Statements&#148; sections and the
consolidated financial statements and notes to those
consolidated financial statements beginning on page&nbsp;F-1.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In this prospectus, our fiscal years ended February&nbsp;3,
2001, February&nbsp;2, 2002, February&nbsp;1, 2003,
January&nbsp;31, 2004 and January&nbsp;29, 2005 are referred to
as fiscal 2000, 2001, 2002, 2003 and 2004, respectively. Our
fiscal year consists of 52 or 53&nbsp;weeks and ends on the
Saturday closest to January&nbsp;31 in each year. Fiscal 2000
consisted of 53&nbsp;weeks and all other years shown consisted
of 52&nbsp;weeks. Our consolidated financial results as part of
Retail Ventures contained in this prospectus may not reflect
what our financial results would have been had we been a
stand-alone company during the periods presented.
</DIV>

<!-- link1 "OUR BUSINESS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>OUR BUSINESS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Overview</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW is a leading U.S. specialty branded footwear retailer
operating 177 DSW stores in 32 states as of April&nbsp;30, 2005.
We offer a wide selection of brand name and designer dress,
casual and athletic footwear for women and men. Our core focus
is to create a distinctive store experience that satisfies both
the rational and emotional shopping needs of our customers by
offering them a vast, exciting selection of in-season styles
combined with the convenience and value they desire. We believe
this combination of selection, convenience and value
differentiates us from our competitors and appeals to a broad
range of consumers.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW allows customers to personalize their shopping experience by
offering a &#147;sea of shoes&#148; that are accessible,
easy-to-shop, and fulfill a broad range of style and fashion
desires. Typical DSW stores are approximately 25,000 square
feet, with over 85% of total square footage used as selling
space. Over 30,000 pairs of shoes in more than 2,000 styles are
displayed on the selling floor of most of our stores, compared
to a significantly smaller product offering at typical
department stores. Our stores feature self-service fixtures that
allow customers to view, touch, and try on the product without
relying on salespeople to check availability. Our locations have
clear signage, and well-trained sales associates are available
to assist customers as desired. New footwear merchandise is
organized by style on the main floor, and clearance goods are
organized by size in the rear of the store. The store layout
allows customers who do not have time for relaxed browsing to
swiftly identify the shoe styles they are seeking and shop in a
targeted, time-efficient manner.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our goal is to further strengthen our position as a leading
specialty branded footwear retailer of choice in the United
States. In fiscal 2004, we generated $961.1&nbsp;million in net
sales and $56.1 million in operating profit. During the same
period, we sold over 23.7&nbsp;million pairs of shoes.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Our Competitive Strengths</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe that our leading market position is driven by the
following competitive strengths:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <B><I>Breadth of Product Offerings.</I></B> Our goal is to
    excite our customers with a &#147;sea of shoes&#148; by offering
    the largest selection of brand name and designer merchandise of
    any footwear retailer or typical department store in the nation.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <B><I>Our Distinctive and Convenient Store Layout. </I></B>We
    cater to both passionate shoe enthusiasts who take pleasure in
    the &#147;thrill of the hunt&#148; and to time-constrained
    customers who know exactly what they want. All merchandise is
    displayed on the selling floor with self-service fixtures, clear
    signage and spacious aisles.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <B><I>The Value Proposition Offered to Our Customers. </I></B>We
    provide our customers with high-quality, in-season fashions at
    everyday prices that we believe are competitive with the typical
    sale price found at</TD>
</TR>

</TABLE>
</DIV>

<P align="center" style="font-size: 10pt;">1

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<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD></TD>
    <TD align="left">
    specialty retailers and department stores. Through our customer
    loyalty program called &#147;Reward Your Style,&#148; we offer
    additional savings to frequent shoppers.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <B><I>Demonstrated Ability to Consistently Deliver Profitable
    Growth. </I></B>Over the five-fiscal-year period ended
    January&nbsp;29, 2005, our store base, net sales and operating
    profit have grown at compound annual rates of 24.3%, 31.3% and
    48.9%, respectively. In fiscal 2004, we generated
    $961.1&nbsp;million of net sales and $56.1&nbsp;million of
    operating profit, or 5.8% of net sales.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Growth Strategy</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We plan to pursue the following three strategies for growth in
sales and earnings:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <B><I>Expanding Our Store Base. </I></B>We believe our retail
    concept provides substantial opportunity for expansion. Over the
    five-fiscal-year period ended January&nbsp;29, 2005, we have
    opened 115 DSW stores and plan to open approximately 30 stores
    in each fiscal year from fiscal 2005 through fiscal 2009. We
    intend, over time, to cluster stores in strategic areas to
    enhance name recognition and achieve economies of scale.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <B><I>Driving Sales Through Enhanced Merchandising. </I></B>We
    intend to increase the number of customer transactions and
    average transaction value by continually refining our
    merchandise mix and undertaking other initiatives, such as
    expanding vendor relationships, increasing sales within existing
    merchandise categories and extending into related product
    categories.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <B><I>Leveraging Our Operating Model. </I></B>As we grow our
    business and fill in markets to their full potential, we believe
    we will continue to improve our profitability by leveraging our
    cost structure. We also intend to continue investing in our
    infrastructure to enhance our planning and allocation, inventory
    management, distribution and point of sale functions.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Leased Shoe Department Businesses</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, we operated a total of 206 leased
shoe departments for three non-affiliated retailers. As of
April&nbsp;30, 2005, we also operated 25 leased shoe departments
for Filene&#146;s Basement, Inc., or Filene&#146;s Basement, a
wholly-owned subsidiary of Retail Ventures. We pay a specified
percentage of net sales as rent to these retailers. In fiscal
2004, leased shoe department sales comprised 9.4% of our total
sales.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>The Transactions</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering, we
intend to complete a series of related repayment and refinancing
transactions, which include the following principal components:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    We expect to be released from our obligations under the Value
    City revolving credit facility, and we expect to enter into a
    new $150 million five-year senior secured revolving credit
    facility.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    We expect to be released from our obligations under the Value
    City term loan and senior subordinated convertible loan
    facilities.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    We will repay $190.0&nbsp;million of intercompany indebtedness
    incurred to fund dividends to Retail Ventures.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We refer to this series of transactions as the
&#147;Transactions.&#148; For further discussion of the
Transactions, see &#147;The Transactions.&#148; For a further
discussion of our indebtedness, see &#147;Management&#146;s
Discussion and Analysis of Financial Condition and Results of
Operations&#148; and &#147;Description of Indebtedness.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Relationship with Retail Ventures</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the completion of this offering, we will enter into
agreements with Retail Ventures related to the separation of our
business operations from Retail Ventures, including, among
others, a master separation agreement and a shared services
agreement. Many aspects of our business which were fully managed
and controlled by us without Retail Ventures&#146; involvement
will continue to operate as they did prior to this
</DIV>
</DIV>

<P align="center" style="font-size: 10pt;">2
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<DIV align="left" style="font-size: 10pt;">
offering. We will continue to manage operations for critical
functions such as merchandise buying, planning and allocation,
distribution and store operations. Under the shared services
agreement, which when signed will be effective as of
January&nbsp;30, 2005, we will provide services to several
subsidiaries of Retail Ventures relating to planning and
allocation support, distribution services and outbound
transportation management, site research, lease negotiation,
store design and construction management. Retail Ventures will
provide us with services relating to import administration, risk
management, information technology, tax, logistics and inbound
transportation management, legal services, financial services,
shared benefits administration and payroll and will maintain
insurance for us and for our directors, officers and employees.
We anticipate that the initial term of the shared services
agreement will expire at the end of fiscal 2007 and will be
extended automatically for additional one-year terms unless
terminated by one of the parties. We expect some of these
services to be provided for longer or shorter periods than the
initial term.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Immediately following this offering, without giving effect to
any exercise of the underwriters&#146; option to purchase
additional shares, Retail Ventures will control approximately
94.0% of the voting rights associated with our Common Shares and
approximately 66.2% of the value of our Common Shares. Through
its voting control, Retail Ventures will be able to control
decisions regarding any merger, consolidation, sale of
substantially all our assets or other major corporate
transactions, without the support of any other shareholder.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures has advised us that its current intent is to
continue to hold all the Class&nbsp;B Common Shares owned by it
following this offering, except to the extent necessary to
satisfy obligations under warrants it has granted to certain of
its lenders. All the Class&nbsp;B Common Shares of DSW held by
Retail Ventures will continue to be subject to liens in favor of
these lenders, as well as a lien granted to Value City
Department Stores LLC. For further discussion of these warrant
agreements, see &#147;Management&#146;s Discussion and Analysis
of Financial Condition and Results of Operations&nbsp;&#151; The
DSW Separation,&#148; &#147;Certain Relationships and Related
Party Transactions&nbsp;&#151; Notes, Credit Agreements and
Guarantees&#148; and &#147;Description of Indebtedness.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures will be subject to (a)&nbsp;contractual
obligations with its lenders to retain ownership of at least 55%
by value of the Common Shares of DSW for so long as the Value
City convertible loan facility remains outstanding and
(b)&nbsp;contractual obligations with its warrantholders to
retain enough DSW Common Shares to be able to satisfy its
obligations to deliver such shares to its warrantholders if the
warrantholders elect to exercise their warrants in full for DSW
Class&nbsp;A Common Shares. For purposes of determining Retail
Ventures&#146; ownership interest in DSW, DSW Common Shares
transferred by Retail Ventures to the warrantholders upon
exercise of their warrants will not be subtracted from Retail
Ventures&#146; ownership. In addition, Retail Ventures has
agreed not to sell or otherwise dispose of any of our Common
Shares for a period of 180&nbsp;days after the date of this
prospectus without the prior written consent of Lehman Brothers
Inc. on behalf of the underwriters. See
&#147;Underwriting.&#148; There can be no assurance concerning
the period of time during which Retail Ventures will maintain
its ownership of our Common Shares following this offering. For
a further discussion of the ongoing relationships between us and
Retail Ventures, and the risks relating to our relationship with
and separation from Retail Ventures, see &#147;Risk
Factors&nbsp;&#151; Risks Relating to our Business&#148; and
&#147;Risks Relating to our Relationship with and Separation
From Retail Ventures&#148; and &#147;Certain Relationships and
Related Party Transactions&nbsp;&#151; Relationships Between Our
Company and Retail Ventures.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Our Corporate Information</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We were incorporated on January&nbsp;20, 1969. We opened our
first DSW store in Dublin, Ohio in July 1991. In 1998, Value
City Department Stores, Inc. purchased DSW and affiliated shoe
businesses from Schottenstein Stores Corporation, or SSC, and
Nacht Management, Inc. In December 2004, Retail Ventures
completed a corporate reorganization whereby Value City
Department Stores, Inc., a wholly-owned subsidiary of Retail
Ventures, merged with and into Value City Department Stores LLC,
or Value City, another wholly-owned subsidiary of Retail
Ventures. In turn, Value City transferred all the issued and
outstanding shares of DSW to Retail Ventures in exchange for a
promissory note. In February 2005, we changed our name from
Shonac Corporation to DSW Inc.
</DIV>
</DIV>

<P align="center" style="font-size: 10pt;">3

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our principal executive offices are located at 4150 East 5th
Avenue, Columbus, Ohio 43219. Our telephone number at that
address is (614)&nbsp;237-7100. Our website address is
http://www.dswshoe.com. Information on our website is provided
for informational purposes only and should not be considered to
be part of, or incorporated by reference in, this prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Recent Developments</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<I>Results of Operations</I>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net sales for the four week period ended May&nbsp;28, 2005
increased by $12.7&nbsp;million, or 14.5%, to
$100.5&nbsp;million from $87.8&nbsp;million for the four week
period ended May&nbsp;29, 2004. Total comparable stores sales
increased 0.2% for the same period.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net sales for the thirteen week period ended April&nbsp;30, 2005
increased by $49.2&nbsp;million, or 21.1%, to
$281.8&nbsp;million from $232.6&nbsp;million for the thirteen
week period ended May&nbsp;1, 2004. Total comparable stores
sales increased 4.4% for the same period.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<I>The Theft of Customer Purchase Information</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On March&nbsp;8, 2005, we announced that we had learned of the
theft of credit card and other purchase information. On
April&nbsp;18, 2005, we issued the findings from our
investigation into the theft. The theft took place primarily
over two weeks and covered all customers who made purchases at
108 DSW stores, primarily during a three-month period from
mid-November 2004 to mid-February 2005. Transaction information
involving approximately 1.4&nbsp;million credit cards was
obtained. For each card, the stolen information included credit
card or debit card numbers, name and transaction amount. In
addition, data from transactions involving approximately
96,000&nbsp;checks were stolen. In these cases, checking account
numbers and driver&#146;s license numbers were obtained.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have contacted and are cooperating with federal law
enforcement and other authorities with regard to this matter. In
addition, we are working with a leading computer security firm
to minimize the risk of any further data theft. To mitigate
potential negative effects on our business and financial
performance, we have been working with credit card companies and
issuers and trying to contact as many of our affected customers
as possible. On June&nbsp;6, 2005, the Ohio Attorney General
brought an action seeking to require us to notify all customers
affected who have not thus far been notified by us. There can be
no assurance that there will not be additional proceedings or
claims brought against us in the future.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, we estimate that the potential
exposures for losses related to this theft range from
approximately $6.5&nbsp;million to approximately
$9.5&nbsp;million. Because of many factors, including the early
development of information regarding the theft and
recoverability under insurance policies, there is no amount in
the estimated range that represents a better estimate than any
other amount in the range. Therefore, in accordance with
Financial Accounting Standard No.&nbsp;5, &#147;Accounting for
Contingencies,&#148; we have accrued a charge to operations in
the first quarter of fiscal 2005 equal to the low end of the
range set forth above, or $6.5&nbsp;million. As the situation
develops and more information becomes available to us, the
amount of the reserve may increase or decrease accordingly. The
amount of any such change may be material.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We do not yet know what effect this incident may have on our
customers&#146; perception of us. Since the announcement of the
theft, we have not discerned any negative effect on comparable
store sales trends after accounting for the shifting Easter
holiday. However, given the short time period involved, these
recent trends may not be indicative of the long-term effects of
the incident.
</DIV>
</DIV>

<P align="center" style="font-size: 10pt;">4
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<DIV style="width: 100%; border: 1px solid black; padding: 12px;">

<!-- link1 "OUR CORPORATE STRUCTURE" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>OUR CORPORATE STRUCTURE</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following diagram sets forth our corporate structure as of
the date of this prospectus, after giving effect to the
Transactions and this offering.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<IMG src="x06593a3x0659303.gif" alt="(CHART)">
</DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Approximately 49.6% before accounting for the effects of
    dilution.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    Immediately following this offering, holders of Class&nbsp;A
    Common Shares will own approximately 33.8% of our outstanding
    Common Shares and 6.0% of the combined voting power of our
    outstanding Common Shares (approximately 37.0% of our
    outstanding Common Shares and 6.8% of the combined voting power
    of our outstanding Common Shares if the underwriters exercise
    their option to purchase additional shares in full).</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    Immediately following this offering, Retail Ventures, which will
    hold 100% of our Class&nbsp;B Common Shares, will own
    approximately 66.2% of our outstanding Common Shares and 94.0%
    of the combined voting power of our outstanding Common Shares
    (approximately 63.0% of our outstanding Common Shares and 93.2%
    of the combined voting power of our outstanding Common Shares if
    the underwriters exercise their option to purchase additional
    shares in full).</TD>
</TR>

</TABLE>
</DIV>

<P align="center" style="font-size: 10pt;">5

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<DIV style="width: 100%; border: 1px solid black; padding: 12px;">

<!-- link1 "THE OFFERING" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>THE OFFERING</B>
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt;">

<TR>
    <TD width="28%"></TD>
    <TD width="1%"></TD>
    <TD width="71%"></TD>
</TR>

<TR>
    <TD valign="top">
    <B>Class&nbsp;A Common Shares offered by us in this offering</B></TD>
    <TD></TD>
    <TD valign="top">
    14,062,500&nbsp;shares</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR>
    <TD valign="top">
    <B>Common Shares outstanding after this offering:</B></TD>
    <TD></TD>
    <TD valign="top">
</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR>
    <TD valign="top">
    <B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Class&nbsp;A Common Shares</B></TD>
    <TD></TD>
    <TD valign="top">
    14,162,500&nbsp;shares</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR>
    <TD valign="top">
    <B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Class&nbsp;B Common Shares</B></TD>
    <TD></TD>
    <TD valign="top">
    27,702,667&nbsp;shares</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR>
    <TD valign="top">
    <B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</B></TD>
    <TD></TD>
    <TD valign="top">
    41,865,167&nbsp;shares</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD valign="top">
    <B>Use of proceeds</B></TD>
    <TD></TD>
    <TD valign="top">
    We intend to use the net proceeds of this offering to repay
    $190.0&nbsp;million of intercompany indebtedness owed to Retail
    Ventures and for working capital and other general corporate
    purposes. The intercompany indebtedness was incurred to fund
    dividends to Retail Ventures.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR>
    <TD valign="top">
    <B>Dividend policy</B></TD>
    <TD></TD>
    <TD valign="top">
    We do not anticipate paying cash dividends on our Common Shares
    in the foreseeable future.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR>
    <TD valign="top">
    <B>Voting rights</B></TD>
    <TD></TD>
    <TD valign="top">
    Holders of Class&nbsp;A Common Shares are entitled to one vote
    per share on all matters to be voted on by shareholders, while
    holders of Class&nbsp;B Common Shares are entitled to eight
    votes per share on all matters to be voted on by shareholders,
    voting together with the holders of the Class&nbsp;A Common
    Shares as a single class. Immediately following completion of
    this offering, Retail Ventures will own all our outstanding
    Class B Common Shares.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD valign="top">
    <B>Proposed New York Stock Exchange symbol</B></TD>
    <TD></TD>
    <TD valign="top">
    Our Class&nbsp;A Common Shares have been approved for listing on
    the New York Stock Exchange under the symbol &#147;DSW.&#148;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR>
    <TD valign="top">
    <B>Risk factors</B></TD>
    <TD></TD>
    <TD valign="top">
    See &#147;Risk Factors&#148; and other information included in
    this prospectus for a discussion of factors you should consider
    carefully before investing in our Class&nbsp;A Common Shares.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Unless we specifically state otherwise, all information in this
prospectus:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    assumes that the underwriters do not exercise their option to
    purchase additional shares. If the underwriters exercise their
    option to purchase additional shares in full, immediately
    following this offering, 16,271,875&nbsp;Class&nbsp;A Common
    Shares and 27,702,667&nbsp;Class&nbsp;B Common Shares will be
    outstanding, and Retail Ventures will own approximately 63.0% of
    our outstanding Common Shares and will control 93.2% of the
    combined voting power of our outstanding Common Shares;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    assumes that the initial public offering price is
    $16.00&nbsp;per share, the midpoint of the estimated offering
    price range shown on the cover page of this prospectus;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    gives effect to the amendment of our articles of incorporation
    prior to the consummation of this offering, pursuant to which
    the 410.09 outstanding common shares of DSW were changed into
    27,702,667&nbsp;Class&nbsp;B Common Shares of DSW; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    assumes that the number of shares that will be outstanding
    immediately following this offering excludes up to 900,000
    registered Class&nbsp;A Common Shares subject to employee stock
    options exercisable at a price per share equal to the initial
    public offering price per share and includes
    100,000&nbsp;restricted Class&nbsp;A Common Shares and stock
    units issued at a price per share equal to the initial public
    offering price per share. We expect to issue these stock
    options, restricted shares and stock units immediately following
    the pricing of but prior to the consummation of this offering;
    however, these stock option, restricted share and stock unit
    issuances remain subject to approval by <BR>
     the DSW board of directors prior to the consummation of this
    offering.</TD>
</TR>

</TABLE>
</DIV>

<P align="center" style="font-size: 10pt;">6
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>
<DIV style="width: 100%; border: 1px solid black; padding: 12px;">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>SUMMARY CONSOLIDATED HISTORICAL AND PRO FORMA FINANCIAL
INFORMATION</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We present below summary historical and pro forma financial
data. The following summary historical financial data
(i)&nbsp;as of January&nbsp;29, 2005 and January&nbsp;31, 2004,
and for each of fiscal years 2002, 2003 and 2004, were derived
from our audited historical consolidated financial statements
included elsewhere in this prospectus, (ii)&nbsp;as of
April&nbsp;30, 2005 and for the thirteen week periods ended
April&nbsp;30, 2005, and May&nbsp;1, 2004, were derived from our
unaudited condensed consolidated financial statements included
elsewhere in this prospectus, (iii)&nbsp;as of May&nbsp;1, 2004
were derived from our unaudited consolidated financial
statements not included herein and (iv)&nbsp;as of
February&nbsp;1, 2003 were derived from our audited consolidated
financial statements not included herein.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The summary unaudited pro forma condensed consolidated financial
data presented below were derived by the application of pro
forma adjustments to our historical consolidated financial
statements included elsewhere in this prospectus. The pro forma
adjustments are based upon available information and assumptions
that we believe are reasonable and do not give effect to any
transactions other than those described in the bullet points
below. The unaudited pro forma condensed consolidated financial
data for the fiscal year ended January&nbsp;29, 2005 and the
thirteen week period ended April&nbsp;30, 2005 assume that each
of the following items had occurred on February&nbsp;1, 2004.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the consummation of this offering;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the incurrence of $25.0&nbsp;million of additional intercompany
    indebtedness incurred to fund a dividend to Retail Ventures, for
    total intercompany indebtedness incurred during the period of
    $190.0&nbsp;million;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the repayment of $190.0&nbsp;million of intercompany
    indebtedness incurred to fund dividends to Retail Ventures and
    $2.7&nbsp;million of accrued interest related thereto, and the
    application of net proceeds as set forth under &#147;Use of
    Proceeds&#148;;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the completion of the Transactions;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the reallocation of shoe warehousing and distribution costs
    allocated to the leased shoe departments of Value City, using
    the allocation parameters set forth in the shared services
    agreement; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the incurrence of additional estimated operating expenses,
    including the reallocation of corporate department charges
    between Retail Ventures and DSW and the net cost of services to
    be provided under the shared services agreement.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The unaudited pro forma condensed consolidated financial data do
not purport to (i)&nbsp;represent what net income actually would
have been had we been a stand-alone company during the periods
presented and had this offering occurred as of the dates
indicated or (ii)&nbsp;project our net income for any period.
The following data are presented for informational purposes only
and should be read in conjunction with &#147;Risk Factors,&#148;
&#147;Capitalization,&#148; &#147;Unaudited Pro Forma Condensed
Consolidated Financial Data,&#148; &#147;Management&#146;s
Discussion and Analysis of Financial Condition and Results of
Operations,&#148; &#147;The Transactions&#148; and with our
audited consolidated financial statements and notes thereto and
our unaudited interim consolidated financial statements, all
included elsewhere in this prospectus.
</DIV>
</DIV>

<P align="center" style="font-size: 10pt;">7
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>
<DIV style="width: 100%; border: 1px solid black; padding: 12px;">

<!-- link1 "SUMMARY CONSOLIDATED HISTORICAL AND PRO FORMA FINANCIAL AND OPERATING DATA" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>SUMMARY CONSOLIDATED HISTORICAL AND</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>PRO FORMA FINANCIAL AND OPERATING DATA</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="33%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="11">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>For the Thirteen Week</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>For the Fiscal Year Ended</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Period Ended</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2/1/03</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>1/31/04</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>1/29/05</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>5/1/04</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>4/30/05</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(Unaudited)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(Unaudited)</B></TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="18" align="center" nowrap><B>(Dollars in thousands except net sales per average gross square foot)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Statement of Income Data:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net
    sales<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>644,345</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>791,348</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>961,089</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>232,559</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>281,806</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>158,756</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>202,927</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>270,211</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>67,587</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>82,798</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating
    profit<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>17,781</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>28,053</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>56,109</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>13,805</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>15,053</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net
    income<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,060</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>14,807</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>34,955</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,816</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>6,980</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Pro forma net
    income<SUP style="font-size: 85%; vertical-align: text-top">(2)(3)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>32,208</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,326</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Balance Sheet Data:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>295,703</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>291,184</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>395,437</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>319,919</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,115</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Working
    capital<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>87,141</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>103,244</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>138,919</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>123,923</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>151,715</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Current
    ratio<SUP style="font-size: 85%; vertical-align: text-top">(5)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.07</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.39</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.28</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.57</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.21</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Long term
    obligations<SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>54,116</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>35,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>55,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>45,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>205,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Other Data:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Number of DSW stores at end of
    period<SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>126</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>142</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>172</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>151</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>177</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    DSW store square footage added
    <SUP style="font-size: 85%; vertical-align: text-top">(8)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>584,652</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>386,734</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>835,020</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>239,117</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>181,371</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Average gross square
    footage<SUP style="font-size: 85%; vertical-align: text-top">(9)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,912,545</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,364,094</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,010,245</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,704,437</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,440,123</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net sales per average gross sq.
    ft.<SUP style="font-size: 85%; vertical-align: text-top">(10)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>214</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>214</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>217</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>57</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>57</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Number of leased shoe departments at end of period</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>113</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>168</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>224</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>172</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>231</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total comparable store sales
    change<SUP style="font-size: 85%; vertical-align: text-top">(11)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0.1</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.9</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4.4</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="1%"></TD>
    <TD width="2%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Includes net sales of leased shoe departments.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    Actual and pro forma results for the thirteen week period ended
    April&nbsp;30, 2005 include a $6.5&nbsp;million pre-tax charge
    and a $3.9&nbsp;million after-tax charge in operating profit and
    net income, respectively, related to the reserve for estimated
    losses associated with the theft of credit card and other
    purchase information.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    Gives pro forma effect to the after-tax impact of the six
    adjustments presented in the bullet points above and the
    footnotes to the tables entitled &#147;Unaudited Pro Forma
    Condensed Consolidated Statement of Income.&#148;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(4)&nbsp;</TD>
    <TD align="left">
    Working capital represents current assets less current
    liabilities.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(5)&nbsp;</TD>
    <TD align="left">
    Current ratio represents current assets divided by current
    liabilities.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(6)&nbsp;</TD>
    <TD align="left">
    Comprised of borrowings under the Value City revolving credit
    facility, except for the amounts outstanding as of
    April&nbsp;30, 2005, which also include $165.0&nbsp;million of
    intercompany indebtedness incurred to fund a dividend to Retail
    Ventures. We expect to repay this intercompany indebtedness with
    the net proceeds of this offering.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(7)&nbsp;</TD>
    <TD align="left">
    Number of DSW stores for each period presented prior to the
    first quarter of fiscal 2005 includes two combination
    DSW/Filene&#146;s Basement stores which were re-categorized as
    leased shoe departments in the first quarter of fiscal 2005.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(8)&nbsp;</TD>
    <TD align="left">
    DSW square footage added represents the total amount of square
    footage added during the period attributable to new store
    openings for DSW stores only; it does not reflect changes in
    square footage of leased shoe departments.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(9)&nbsp;</TD>
    <TD align="left">
    Average gross square footage represents the monthly average of
    square feet for DSW stores only for each period presented and
    consequently reflects the effect of opening stores in different
    months throughout the period.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(10)&nbsp;</TD>
    <TD align="left">
    Net sales per average gross square foot is the result of
    dividing net sales for DSW stores only for the period presented
    by average gross square footage calculated as described in
    footnote&nbsp;8 above.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(11)&nbsp;</TD>
    <TD align="left">
    Comparable DSW stores and comparable leased shoe departments are
    those units that have been in operation for at least
    14&nbsp;months at the beginning of the fiscal year. Stores or
    leased shoe departments, as the case may be, are added to the
    comparable base at the beginning of the year and are dropped for
    comparative purposes in the month that they are closed.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>
</DIV>

<P align="center" style="font-size: 10pt;">8
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
<A name='102'></A>
</DIV>

<!-- link1 "RISK FACTORS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>RISK FACTORS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Investing in our Class&nbsp;A Common Shares involves a high
degree of risk. You should carefully consider the following
factors, as well as other information contained in this
prospectus, before deciding to invest in our Class&nbsp;A Common
Shares. If any of the following risks actually occurs, our
business, financial condition, operating results or cash flow
could suffer materially and adversely. In this case, the trading
price of our Class&nbsp;A Common Shares could decline, and you
could lose all or part of your investment.</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Risks Relating to Our Business</B>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>We intend to open new DSW stores at an increased rate
    compared to historical years, which could strain our resources
    and have a material adverse effect on our business and financial
    performance.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our continued and future growth largely depends on our ability
to successfully open and operate new DSW stores on a profitable
basis. During fiscal 2004, fiscal 2003 and fiscal 2002, we
opened 30 (net of one store closing during that period), 16 and
22&nbsp;new DSW stores, respectively. We intend to open
approximately 30 stores per year in each fiscal year from fiscal
2005 through fiscal 2009. As of April&nbsp;30, 2005, we have
opened seven new stores in fiscal 2005 and have signed leases
for an additional 22 stores and one store relocation. During
fiscal 2004, the average investment required to open a typical
new DSW store was approximately $1.7&nbsp;million. This
continued expansion could place increased demands on our
financial, managerial, operational and administrative resources.
For example, our planned expansion will require us to increase
continually the number of people we employ as well as to monitor
and upgrade our management information and other systems and our
distribution facilities. These increased demands and operating
complexities could cause us to operate our business less
efficiently, adversely affect our operations and financial
performance and slow our growth.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>We may be unable to open all the stores contemplated by
    our growth strategy on a timely basis, and new stores we open
    may not be profitable or may have an adverse impact on the
    profitability of existing stores, either of which could have a
    material adverse effect on our business, financial condition and
    results of operations.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We intend to open approximately 30 stores per year in each
fiscal year from fiscal 2005 through fiscal 2009. However, we
may not achieve our planned expansion on a timely and profitable
basis or achieve results in new locations similar to those
achieved in existing locations in prior periods. Our ability to
open and operate new DSW stores successfully on a timely and
profitable basis depends on many factors, including, among
others, our ability to:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    identify suitable markets and sites for new store locations;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    negotiate favorable lease terms;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    build-out or refurbish sites on a timely and effective basis;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    obtain sufficient levels of inventory to meet the needs of new
    stores;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    obtain sufficient financing and capital resources or generate
    sufficient cash flows from operations to fund growth;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    open new stores at costs not significantly greater than those
    anticipated;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    successfully open new DSW stores in regions of the United States
    in which we currently have few or no stores;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    control the costs of other capital investments associated with
    store openings, including, for example, those related to the
    expansion of distribution facilities;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    hire, train and retain qualified managers and store personnel;
    and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    successfully integrate new stores into our existing
    infrastructure, operations and management and distribution
    systems or adapt such infrastructure, operations and systems to
    accommodate our growth.</TD>
</TR>

</TABLE>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As a result, we may be unable to open new stores at the rates
expected or at all. If we fail to successfully implement our
growth strategy, the opening of new DSW stores could be delayed
or prevented, could cost more than anticipated and could divert
resources from other areas of our business, any of which could
have a material adverse effect on our business, financial
condition and results of operations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
To the extent that we open new DSW stores in our existing
markets, we may experience reduced net sales in existing stores
in those markets. As the number of our stores increases, our
stores will become more concentrated in the markets we serve. As
a result, the number of customers and financial performance of
individual stores may decline and the average sales per square
foot at our stores may be reduced. This could have a material
adverse effect on our business, financial condition and results
of operations.
</DIV>

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    <TD></TD>
    <TD>
    <B><I>We rely on our good relationships with vendors to purchase
    brand name and designer merchandise at favorable prices. If
    these relationships were to be impaired, we may not be able to
    obtain a sufficient selection of merchandise at attractive
    prices, and we may not be able to respond promptly to changing
    fashion trends, either of which could have a negative impact on
    our competitive position, our business and financial
    performance.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We do not have long-term supply agreements or exclusive
arrangements with any vendors and, therefore, our success
depends on maintaining good relations with our vendors. Our
growth strategy depends to a significant extent on the
willingness and ability of our vendors to supply us with
sufficient inventory to stock our new stores. If we fail to
strengthen our relations with our existing vendors or to enhance
the quality of merchandise they supply us, and if we cannot
maintain or acquire new vendors of in-season brand name and
designer merchandise, our ability to obtain a sufficient amount
and variety of merchandise at favorable prices may be limited,
which could have a negative impact on our competitive position.
In addition, our inability to stock our DSW stores with
in-season merchandise at attractive prices could result in lower
net sales and decreased customer interest in our stores, which,
in turn, would adversely affect our financial performance.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
During fiscal 2004, taking into account industry consolidation,
merchandise supplied to DSW by three key vendors accounted for
approximately 19% of our net sales. The loss of or a reduction
in the amount of merchandise made available to us by any one of
these key vendors could have an adverse effect on our business.
</DIV>

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    <TD width="3%"></TD>
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    <TD></TD>
    <TD>
    <B><I>We may be unable to anticipate and respond to fashion
    trends and consumer preferences in the markets in which we
    operate, which could adversely affect our business, financial
    condition and results of operations.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our merchandising strategy is based on identifying each
region&#146;s customer base and having the proper mix of
products in each store to attract our target customers in that
region. This requires us to anticipate and respond to numerous
and fluctuating variables in fashion trends and other conditions
in the markets in which our stores are situated. A variety of
factors will affect our ability to maintain the proper mix of
products in each store, including:
</DIV>

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    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    variations in local economic conditions, which could affect our
    customers&#146; discretionary spending;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    unanticipated fashion trends;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    our success in developing and maintaining vendor relationships
    that provide us access to in-season merchandise at attractive
    prices;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    our success in distributing merchandise to our stores in an
    efficient manner; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    changes in weather patterns, which in turn affect consumer
    preferences.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If we are unable to anticipate and fulfill the merchandise needs
of each region, we may experience decreases in our net sales and
may be forced to increase markdowns in relation to slow-moving
merchandise, either of which could have an adverse effect on our
business, financial condition and results of operations.
</DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
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    <TD></TD>
    <TD>
    <B><I>Our comparable store sales and quarterly financial
    performance may fluctuate for a variety of reasons, which could
    result in a decline in the price of our Class&nbsp;A Common
    Shares.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our business is sensitive to customers&#146; spending patterns,
which in turn are subject to prevailing regional and national
economic conditions and the general level of economic activity.
Our comparable store sales and quarterly results of operations
have fluctuated in the past, and we expect them to continue to
fluctuate in the future. A variety of other factors affect our
comparable store sales and quarterly financial performance,
including:
</DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    changes in our merchandising strategy;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    timing and concentration of new DSW store openings and related
    pre-opening and other start-up costs;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    levels of pre-opening expenses associated with new DSW stores;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    changes in our merchandise mix;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    changes in and regional variations in demographic and population
    characteristics;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    timing of promotional events;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    seasonal fluctuations due to weather conditions;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    actions by our competitors; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    general U.S. economic conditions and, in particular, the retail
    sales environment.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Accordingly, our results for any one fiscal quarter are not
necessarily indicative of the results to be expected for any
other quarter, and comparable store sales for any particular
future period may decrease. Our future financial performance may
fall below the expectations of securities analysts and
investors. In that event, the price of our Class&nbsp;A Common
Shares would likely decline. For more information on our
quarterly results of operations, see &#147;Management&#146;s
Discussion and Analysis of Financial Condition and Results of
Operations.&#148;
</DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>We rely on a single distribution center. The loss or
    disruption of our centralized distribution center or our failure
    in the future to add additional distribution facilities could
    have an adverse effect on our business and operations.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Most of our inventory is shipped directly from suppliers to a
single centralized distribution center in Columbus, Ohio, where
the inventory is then processed, sorted and shipped to one of 11
pool locations located throughout the country and then on to our
stores. Our operating results depend on the orderly operation of
our receiving and distribution process, which in turn depends on
third-party vendors&#146; adherence to shipping schedules and
our effective management of our distribution facilities. We may
not anticipate all the changing demands that our expanding
operations will impose on our receiving and distribution system,
and events beyond our control, such as disruptions in operations
due to fire or other catastrophic events, labor disagreements or
shipping problems, may result in delays in the delivery of
merchandise to our stores.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We may need to increase our distribution capacity in 2006 to
accommodate our expanding retail store base. Because our ability
to expand our distribution facilities at our current site is
limited, we may need to acquire, construct or lease additional
distribution facilities in other geographic locations to
accommodate our planned expansion. We may also need to invest in
additional information technology to achieve a unified receiving
and distribution system.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
While we maintain business interruption and property insurance,
in the event our distribution center were to be shut down for
any reason or if we were to incur higher costs and longer lead
times in connection with a disruption at our distribution
center, our insurance may not be sufficient, and insurance
proceeds may not be timely paid to us.
</DIV>

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    <TD></TD>
    <TD>
    <B><I>Following this offering, we will continue to be dependent
    on Retail Ventures to provide us with many key services for our
    business.</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Since 1998, DSW has been operated as a wholly-owned subsidiary
of Value City Department Stores, Inc. or Retail Ventures, and
many key services required by DSW for the operation of our
business are currently provided by Retail Ventures and its
subsidiaries. Prior to the completion of this offering, we will
enter into agreements with Retail Ventures related to the
separation of our business operations from Retail Ventures
including, among others, a master separation agreement and a
shared services agreement. Under the terms of the shared
services agreement, which when signed will be effective as of
January&nbsp;30, 2005, Retail Ventures will provide us with key
services relating to import administration, risk management,
information technology, tax, logistics and inbound
transportation management, legal services, financial services,
shared benefits administration and payroll and will maintain
insurance for us and for our directors, officers, and employees.
In turn, we will provide several subsidiaries of Retail Ventures
with services relating to planning and allocation support,
distribution services and outbound transportation management,
site research, lease negotiation, store design and construction
management. We anticipate that the initial term of the shared
services agreement will expire at the end of fiscal 2007 and
will be extended automatically for additional one-year terms
unless terminated by one of the parties. We expect some of these
services to be provided for longer or shorter periods than the
initial term. We believe it is necessary for Retail Ventures to
provide these services for us under the shared services
agreement to facilitate the efficient operation of our business
as we transition to becoming an independent public company. We
will, as a result, initially be dependent on our relationship
with Retail Ventures for shared services following this
offering. See &#147;Certain Relationships and Related Party
Transactions&nbsp;&#151; Relationships Between Our Company and
Retail Ventures&nbsp;&#151; Agreements Relating to our
Separation from Retail Ventures.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Once the transition periods specified in the shared services
agreement have expired and are not renewed, or if Retail
Ventures does not or is unable to perform its obligations under
the shared services agreement, we will be required to provide
these services ourselves or to obtain substitute arrangements
with third parties. We may be unable to provide these services
because of financial or other constraints or be unable to timely
implement substitute arrangements on terms that are favorable to
us, or at all, which would have an adverse effect on our
business, financial condition and results of operations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have not been operated as a stand-alone company since 1998.
Following the completion of this offering, our business will no
longer have access to the borrowing capacity, cash flow, assets
and some services provided by Retail Ventures and its
subsidiaries as we did while we were wholly-owned by Retail
Ventures.
</DIV>

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    <TD></TD>
    <TD>
    <B><I>Our failure to retain our existing senior management team
    and to continue to attract qualified new personnel could
    adversely affect our business.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our business requires disciplined execution at all levels of our
organization to ensure that we continually have sufficient
inventories of assorted brand name merchandise at below
traditional retail prices. This execution requires an
experienced and talented management team. If we were to lose the
benefit of the experience, efforts and abilities of any of our
key executive and buying personnel, our business could be
materially adversely affected. We have entered into employment
agreements with several of these officers. For more information
on our management team and their employment agreements and
severance agreements, see &#147;Management.&#148; Furthermore,
our ability to manage our retail expansion will require us to
continue to train, motivate and manage our employees and to
attract, motivate and retain additional qualified managerial and
merchandising personnel. Competition for these types of
personnel is intense, and we may not be successful in
attracting, assimilating and retaining the personnel required to
grow and operate our business profitably.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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    <TD width="3%"></TD>
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    <TD></TD>
    <TD>
    <B><I>We may be unable to compete favorably in our highly
    competitive market.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The retail footwear market is highly competitive with few
barriers to entry. We compete against a diverse group of
retailers, both small and large, including locally owned shoe
stores, regional and national department stores, specialty
retailers and discount chains. Some of our competitors are
larger and have substantially
</DIV>

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<DIV align="left" style="font-size: 10pt;">
greater resources than we do. Our success depends on our ability
to remain competitive with respect to style, price, brand
availability and customer service. The performance of our
competitors, as well as a change in their pricing policies,
marketing activities and other business strategies, could have a
material adverse effect on our business, financial condition,
results of operations and our market share.
</DIV>

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    <TD></TD>
    <TD>
    <B><I>A decline in general economic conditions, or the outbreak
    or escalation of war or terrorist acts, could lead to reduced
    consumer demand for our footwear and accessories.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Consumer spending habits, including spending for the footwear
and related accessories that we sell, are affected by, among
other things, prevailing economic conditions, levels of
employment, salaries and wage rates, prevailing interest rates,
income tax rates and policies, consumer confidence and consumer
perception of economic conditions. In addition, consumer
purchasing patterns may be influenced by consumers&#146;
disposable income. A general slowdown in the U.S.&nbsp;economy
or an uncertain economic outlook could adversely affect consumer
spending habits.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Consumer confidence is also affected by the domestic and
international political situation. The outbreak or escalation of
war, or the occurrence of terrorist acts or other hostilities in
or affecting the United States, could lead to a decrease in
spending by consumers. In the event of an economic slowdown, we
could experience lower net sales than expected on a quarterly or
annual basis and be forced to delay or slow our retail expansion
plans.
</DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>We rely on foreign sources for our merchandise, and our
    business is therefore subject to risks associated with
    international trade.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We purchase merchandise from domestic and foreign vendors. In
addition, many of our domestic vendors import a large portion of
their merchandise from abroad, primarily from China, Brazil and
Italy. We believe that almost all the merchandise we purchased
during fiscal 2004 was manufactured outside the United States.
For this reason, we face risks inherent in purchasing from
foreign suppliers, such as:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    economic and political instability in countries where these
    suppliers are located;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    international hostilities or acts of war or terrorism affecting
    the United States or foreign countries from which our
    merchandise is sourced;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    increases in shipping costs;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    transportation delays and interruptions, including as a result
    of increased inspections of import shipments by domestic
    authorities;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    work stoppages;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    adverse fluctuations in currency exchange rates;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    U.S. laws affecting the importation of goods, including duties,
    tariffs and quotas and other non-tariff barriers;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    expropriation or nationalization;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    changes in local government administration and governmental
    policies;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    changes in import duties or quotas;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    compliance with trade and foreign tax laws; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    local business practices, including compliance with local laws
    and with domestic and international labor standards.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We require our vendors to operate in compliance with applicable
laws and regulations and our internal requirements. However, we
do not control our vendors or their labor and business
practices. The violation of labor or other laws by one of our
vendors could have an adverse effect on our business.
</DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Following the completion of this offering, our new secured
    revolving credit facility could limit our operational
    flexibility.</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering, we
expect to enter into a new $150&nbsp;million secured revolving
credit facility with a term of five years. Under this new
facility, we expect that we and our subsidiary, DSW Shoe
Warehouse, Inc., or DSWSW, will be named as co-borrowers. This
new facility is expected to be subject to a borrowing base
restriction and will provide for borrowings at variable interest
rates based on the London Interbank Offered Rate, or LIBOR, the
prime rate and the Federal Funds effective rate, plus a margin.
Our obligations under our new secured revolving credit facility
will be secured by a lien on substantially all our personal
property and a pledge of our shares of DSWSW. In addition, the
new secured revolving credit facility will contain usual and
customary restrictive covenants relating to our management and
the operation of our business. These covenants will, among other
things, restrict our ability to grant liens on our assets, incur
additional indebtedness, open or close stores, pay cash
dividends and redeem our stock, enter into transactions with
affiliates and merge or consolidate with another entity. In
addition, if at any time we utilize over 90% of our borrowing
capacity under this facility, we must comply with a fixed charge
coverage ratio test set forth in the facility documents. These
covenants could restrict our operational flexibility, and any
failure to comply with these covenants or our payment
obligations would limit our ability to borrow under the new
secured revolving credit facility and, in certain circumstances,
may allow the lenders thereunder to require repayment. For more
information regarding the new secured revolving credit facility,
see &#147;Description of Indebtedness.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>We will incur increased costs as a result of being a
    public company.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to this offering, as a subsidiary of a publicly-held
company, we were not directly responsible for the corporate
governance and financial reporting practices and policies
required of a publicly-traded company. As a public company, we
will incur significant legal, accounting and other expenses that
we did not directly incur in the past. In addition, the
Sarbanes-Oxley Act of 2002, as well as new rules implemented by
the Securities and Exchange Commission, or the SEC, and the New
York Stock Exchange, or NYSE, require changes in corporate
governance practices of public companies. We expect these new
rules and regulations to increase our legal and financial
compliance costs and to make some activities more time-consuming
and costly.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>DSW has not been operated as an entity separate from Value
    City and Retail Ventures since 1998, and, as a result, our
    historical and pro forma financial information may not be
    indicative of DSW&#146;s historical financial results or future
    financial performance.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our consolidated financial information included in this
prospectus may not be indicative of our future financial
performance. This is because these statements do not necessarily
reflect the historical financial condition, results of
operations and cash flows of DSW as they would have been had we
been operated during the periods presented as a separate,
stand-alone entity.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our consolidated financial information assumes that DSW, for the
periods presented, had existed as a separate legal entity, and
has been derived from the consolidated financial statements of
Retail Ventures. Some costs have been reflected in the
consolidated financial statements that are not necessarily
indicative of the costs that we would have incurred had we
operated as an independent, stand-alone entity for all periods
presented. These costs include allocated portions of Retail
Ventures&#146; corporate overhead, interest expense and income
taxes.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>We face security risks related to our electronic
    processing and transmission of confidential customer
    information. On March&nbsp;8, 2005, we announced the theft of
    credit card and other purchase information relating to DSW
    customers. This security breach could adversely affect our
    reputation and business and subject us to liability.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We rely on commercially available encryption software and other
technologies to provide security for processing and transmission
of confidential customer information, such as credit card
numbers. Advances in
</DIV>

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computer capabilities, new discoveries in the field of
cryptography, or other events or developments, including
improper acts by third parties, may result in a compromise or
breach of the security measures we use to protect customer
transaction data. Compromises of these security systems could
have a material adverse effect on our reputation and business,
and may subject us to significant liabilities and reporting
obligations. A party who is able to circumvent our security
measures could misappropriate our information, cause
interruptions in our operations, damage our reputation and
customers&#146; willingness to shop in our stores and subject us
to possible liability. We may be required to expend significant
capital and other resources to protect against these security
breaches or to alleviate problems caused by these breaches.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On March&nbsp;8, 2005, we announced that we had learned of the
theft of credit card and other purchase information. On
April&nbsp;18, 2005, we issued the findings from our
investigation into the theft. The theft took place primarily
over two weeks and covered all customers who made purchases at
108 DSW stores, primarily during a three-month period from
mid-November 2004 to mid-February 2005. Transaction information
involving approximately 1.4 million credit cards was obtained.
For each card, the stolen information included credit card or
debit card numbers, name and transaction amount. In addition,
data from transactions involving approximately 96,000 checks
were stolen. In these cases, checking account numbers and
driver&#146;s license numbers were obtained.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, we estimate that the potential
exposures for losses related to this theft range from
approximately $6.5&nbsp;million to approximately
$9.5&nbsp;million. Because of many factors, including the early
development of information regarding the theft and
recoverability under insurance policies, there is no amount in
the estimated range that represents a better estimate than any
other amount in the range. Therefore, in accordance with
Financial Accounting Standard No.&nbsp;5, &#147;Accounting for
Contingencies,&#148; we have accrued a charge to operations in
the first quarter of fiscal 2005 equal to the low end of the
range set forth above, or $6.5&nbsp;million. As the situation
develops and more information becomes available to us, the
amount of the reserve may increase or decrease accordingly. The
amount of any such change may be material.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On June&nbsp;6, 2005, the Ohio Attorney General brought an
action seeking to require us to notify all customers affected
who have not thus far been notified by us. There can be no
assurance that there will not be additional proceedings or
claims brought against us in the future.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We do not yet know what effect this incident may have on our
customers&#146; perceptions of us. Since the announcement of the
theft, we have not discerned any negative effect on comparable
store sales trends after accounting for the shifting Easter
holiday. However, given the short time period involved, these
recent trends may not be indicative of the long-term effects of
the incident.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Risks Relating to Our Class&nbsp;A Common Shares and This
Offering</B>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>After this offering, we will continue to be controlled
    directly by Retail Ventures and indirectly by SSC, whose
    interests may differ from other shareholders.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures, a public corporation, will own 100% of our
Class&nbsp;B Common Shares, which will represent approximately
66.2% of our outstanding Common Shares after this offering, or
approximately 63.0% if the underwriters exercise their option to
purchase additional shares in full. These shares collectively
will represent 93.2% of the combined voting power of our
outstanding Common Shares if the underwriters exercise their
option to purchase additional shares in full. Approximately
48.2% of Retail Ventures&#146; common shares on a fully diluted
basis are beneficially owned by SSC, a privately held
corporation controlled by Jay L. Schottenstein, the Chairman of
the Board of Directors of DSW and Retail Ventures and the Chief
Executive Officer of DSW, and members of his immediate family.
Given their respective ownership interests, Retail Ventures and,
indirectly, SSC, will be able to control or substantially
influence the outcome of all matters submitted to our
shareholders for approval, including:
</DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the election of directors;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    mergers or other business combinations; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    acquisitions or dispositions of assets.</TD>
</TR>

</TABLE>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The interests of Retail Ventures or SSC may differ from or be
opposed to the interests of our other shareholders, and their
control may have the effect of delaying or preventing a change
in control that may be favored by other shareholders. See
&#147;Principal Shareholders&#148; and &#147;Certain
Relationships and Related Party Transactions.&#148;
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>After this offering, SSC and Retail Ventures or its
    affiliates may compete directly against us.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Corporate opportunities may arise in the area of potential
competitive business activities that may be attractive to Retail
Ventures, SSC and us in the area of employee recruiting and
retention. Any competition could intensify if Value City begins
to carry an assortment of shoes in its stores similar to those
found in our stores, target customers similar to ours or adopt a
similar business model or strategy for its shoe businesses.
Given that after the consummation of this offering, Value City
will continue to be a wholly-owned subsidiary of Retail Ventures
and DSW will not be wholly-owned, Retail Ventures and SSC may be
inclined to direct relevant corporate opportunities to them
rather than us.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our amended and restated articles of incorporation will provide
that Retail Ventures and SSC are under no obligation to
communicate or offer any corporate opportunity to us. In
addition, Retail Ventures and SSC will have the right to engage
in similar activities as us, do business with our suppliers and
customers and, except as limited by the master separation
agreement, employ or otherwise engage any of our officers or
employees. SSC and its affiliates engage in a variety of
businesses, including, but not limited to, business and
inventory liquidations and real estate acquisitions. The
provisions also outline how corporate opportunities are to be
assigned in the event that our, Retail Ventures&#146; or
SSC&#146;s directors and officers learn of corporate
opportunities. These provisions are substantially similar to
those that currently apply to us through provisions of Retail
Ventures&#146; amended articles of incorporation. See
&#147;Certain Relationships and Related Party Transactions
&#151; Provisions of Our Amended Articles of Incorporation
Governing Corporate Opportunities and Related Party
Transactions.&#148;
</DIV>

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<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Some of our directors and officers may also serve as
    directors or officers of Retail Ventures, and may have conflicts
    of interest because they may own Retail Ventures stock or
    options to purchase Retail Ventures stock, or they may receive
    cash- or equity-based awards based on the performance of Retail
    Ventures.</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Some of our directors and officers will also serve as directors
or officers of Retail Ventures and may own Retail Ventures stock
or options to purchase Retail Ventures stock, or they may be
entitled to participate in the Retail Ventures Plans as defined
in &#147;Management &#151; Executive Compensation &#151;
Employee Incentive Plans.&#148; Jay L. Schottenstein will be our
Chief Executive Officer and Chairman of the Board of Directors
and Chairman of the Board of Directors of Retail Ventures;
Heywood Wilansky will be a director of DSW and Chief Executive
Officer of Retail Ventures; Harvey L. Sonnenberg will be a
director of DSW and of Retail Ventures; Julia A. Davis will be
Executive Vice President and General Counsel of both DSW and
Retail Ventures, and will serve as Secretary and Assistant
Secretary for DSW and Retail Ventures, respectively; Steven E.
Miller will be Senior Vice President and Controller of both DSW
and Retail Ventures; and James A. McGrady will be a Vice
President of DSW and Executive Vice President, Chief Financial
Officer, Treasurer and Secretary of Retail Ventures. The Retail
Ventures Plans provide cash- and equity-based compensation to
employees based on Retail Ventures&#146; performance. These
employment arrangements and ownership interests or cash- or
equity-based awards could create, or appear to create, potential
conflicts of interest when directors or officers who own Retail
Ventures stock or stock options or who participate in the Retail
Ventures Plans are faced with decisions that could have
different implications for Retail Ventures than they do for us.
These potential conflicts of interest may not be resolved in our
favor.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>We do not expect to pay dividends in the foreseeable
    future.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We anticipate that future earnings will be used principally to
finance our retail expansion. Thus, we do not intend to pay cash
dividends on our Common Shares in the foreseeable future.
Provisions in our new secured revolving credit facility may also
restrict us from declaring dividends. Our board of directors
will have sole discretion to determine the dividend amount, if
any, to be paid. Our board of directors will consider
</DIV>

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<DIV align="left" style="font-size: 10pt;">
a number of factors, including applicable provisions of Ohio
corporate law, our financial condition, capital requirements,
funds generated from operations, future business prospects,
applicable contractual restrictions and any other factors our
board may deem relevant. For further description of our dividend
policy, see &#147;Dividend Policy.&#148;
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>If our existing shareholders or holders of rights to
    purchase our Common Shares sell the shares they own, or if
    Retail Ventures distributes its Common Shares to its
    shareholders, it could adversely affect the price of our
    Class&nbsp;A Common Shares.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The market price of our Class&nbsp;A Common Shares could decline
as a result of market sales by our existing shareholders,
including Retail Ventures, or a distribution of our Common
Shares to Retail Ventures&#146; shareholders after this offering
or the perception that such sales or distributions will occur.
These sales or distributions also might make it difficult for us
to sell equity securities in the future at a time and at a price
that we deem appropriate. We cannot predict the size of future
sales of our Common Shares or the impact that such sales may
have on the shares purchased or acquired by investors in this
offering.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon completion of this offering, there will be
14,062,500&nbsp;Class&nbsp;A Common Shares of DSW outstanding
which will be freely transferable without restriction or further
registration under the Securities Act of 1933, as amended, or
the Securities Act. We expect to issue up to 100,000 restricted
Class&nbsp;A Common Shares and stock units pursuant to the terms
of DSW&#146;s equity incentive plan immediately following the
pricing of but prior to the consummation of this offering;
however, the issuance of these restricted shares and stock units
remains subject to approval by the DSW board of directors prior
to the consummation of this offering. The remaining
27,702,667&nbsp;Class&nbsp;B Common Shares outstanding will be
restricted securities within the meaning of Rule&nbsp;144 under
the Securities Act but will be eligible for resale subject to
applicable volume, manner of sale, holding period and other
limitations of Rule&nbsp;144.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Following consummation of this offering, SSC, Cerberus Partners
L.P., or Cerberus, and Back Bay Capital Funding LLC, or Back
Bay, will have the right to acquire Class&nbsp;A Common Shares
of DSW from Retail Ventures pursuant to warrant agreements they
will enter into with Retail Ventures. For further discussion of
these warrant agreements, see &#147;Management&#146;s Discussion
and Analysis of Financial Condition and Results of Operations
&#151; The DSW Separation,&#148; &#147;Certain Relationships and
Related Party Transactions &#151; Notes, Credit Agreements and
Guarantees&#148; and &#147;Description of Indebtedness.&#148;
We, Retail Ventures, SSC, Cerberus, and Back Bay, as well as our
officers and directors, have agreed to a &#147;lock-up,&#148;
meaning that neither we nor they will sell any Common Shares
without the prior consent of Lehman Brothers Inc. on behalf of
the underwriters for 180 days following the date of this
prospectus. However, Cerberus may effect a transfer of all of
its warrants to a single person or group of related persons,
provided that any transferee or transferees of Cerberus also
agree, for the duration of the lock-up period, that any further
transfer shall be made on the same terms, and provided further
that neither Cerberus nor its direct or indirect transferees may
transfer any DSW Common Shares underlying the warrants for the
remainder of the lock-up period. In addition, persons purchasing
more than 1,000 Class&nbsp;A Common Shares in the directed share
program described in &#147;Underwriting&#148; will be subject to
a 25-day lock-up period.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon the expiration of this lock-up period, all these Common
Shares will be eligible for future sale, subject to the
applicable volume, manner of sale, holding period and other
limitations of Rule&nbsp;144. Retail Ventures has registration
rights with respect to its DSW Common Shares in specified
circumstances pursuant to the master separation agreement. In
addition, SSC and Cerberus have the right to require that we
register for resale in specified circumstances the Class&nbsp;A
Common Shares issued to them upon exercise of their warrants,
and each of these entities and Back Bay will be entitled to
participate in registrations initiated by the other entities.
See &#147;Shares Eligible for Future Sale&#148; and
&#147;Certain Relationships and Related Party Transactions&#148;
for a discussion of Common Shares that may be sold into the
public market in the future.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">17

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<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>There currently exists no market for our Class&nbsp;A
    Common Shares. An active trading market may not develop for our
    Class&nbsp;A Common Shares. If our share price fluctuates after
    this offering, you could lose all or a significant part of your
    investment.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to this offering, no public market existed for our
Class&nbsp;A Common Shares. An active and liquid market for the
Class&nbsp;A Common Shares may not develop following the
completion of this offering, or, if developed, may not be
maintained. If an active public market does not develop or is
not maintained, you may have difficulty selling your
Class&nbsp;A Common Shares. The initial public offering price of
our Class&nbsp;A Common Shares was arrived at by negotiations
between us, Retail Ventures and the underwriters for this
offering and may not be indicative of the price at which the
Class&nbsp;A Common Shares will trade following the completion
of this offering.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The market price of our Class&nbsp;A Common Shares may also be
influenced by many other factors, some of which are beyond our
control, including, among other things:
</DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    actual or anticipated variations in comparable store sales or
    quarterly operating results;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    changes in financial estimates by research analysts;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    actual or anticipated changes in the U.S. economy or the
    retailing environment;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    terrorist acts or wars;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    changes in the market volatility of other shoe or retail
    companies;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    announcements by us or our competitors of significant
    acquisitions, strategic partnerships, divestitures, joint
    ventures or other strategic initiatives; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    actual or anticipated sales or distributions of Common Shares by
    Retail Ventures, SSC, Cerberus, or Back Bay, as well as our
    officers and directors, whether in the market, in subsequent
    public offerings or in a distribution to shareholders.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As a result of this volatility, you may not be able to resell
your Class&nbsp;A Common Shares at or above the initial public
offering price. In addition, the stock market in general has
experienced extreme price and volume fluctuations that have
often been unrelated or disproportionate to the operating
performance of companies like DSW. These broad market and
industry factors may materially reduce the market price of the
Class&nbsp;A Common Shares, regardless of our operating
performance.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Investors purchasing Class&nbsp;A Common Shares in this
    offering will incur substantial and immediate dilution.</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The assumed initial public offering price of our Class&nbsp;A
Common Shares is substantially higher than the net tangible book
value per outstanding share of our Common Shares. Purchasers of
our Class&nbsp;A Common Shares in this offering will incur
immediate and substantial dilution of $12.04&nbsp;per share in
the net tangible book value of our Common Shares from the
assumed initial public offering price of $16.00&nbsp;per share,
which is the midpoint of the estimated range set forth on the
cover of this prospectus. If the underwriters exercise their
option to purchase additional shares in full, there will be
dilution of $11.52&nbsp;per share in the net tangible book value
of our Common Shares, assuming the same public offering price.
This means that if we were to be liquidated immediately after
this offering, there might be no assets available for
distribution to you after satisfaction of all our obligations to
creditors. For further description of the effects of dilution in
the net tangible book value of our Common Shares, see
&#147;Dilution.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Our amended articles of incorporation, amended and
    restated code of regulations and Ohio state law contain
    provisions that may have the effect of delaying or preventing a
    change in control of DSW. This could adversely affect the value
    of your shares.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our amended articles of incorporation authorizes our board of
directors to issue up to 100,000,000 preferred shares and to
determine the powers, preferences, privileges, rights, including
voting rights, qualifications, limitations and restrictions on
those shares, without any further vote or action by the
</DIV>

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<DIV align="left" style="font-size: 10pt;">
shareholders. The rights of the holders of our Class&nbsp;A
Common Shares will be subject to, and may be adversely affected
by, the rights of the holders of any preferred shares that may
be issued in the future. The issuance of preferred shares could
have the effect of delaying, deterring or preventing a change in
control and could adversely affect the voting power of your
shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In addition, provisions of our amended articles of
incorporation, amended and restated code of regulations and Ohio
law, together or separately, could discourage potential
acquisition proposals, delay or prevent a change in control and
limit the price that certain investors might be willing to pay
in the future for our Common Shares. Among other things, these
provisions establish a staggered board, require a supermajority
vote to remove directors, and establish certain advance notice
procedures for nomination of candidates for election as
directors and for shareholder proposals to be considered at
shareholders&#146; meetings. For further description of these
provisions of amended articles of incorporation, amended and
restated code of regulations and Ohio law, see &#147;Description
of Capital Stock &#151; Anti-Takeover Effects of Certain
Provisions of our Amended Articles of Incorporation, our Amended
and Restated Code of Regulations and Ohio Law.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Risks Relating to our Relationship with and Separation from
Retail Ventures</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>The new agreements we are entering into with Retail
    Ventures in connection with this offering could restrict our
    operations and adversely affect our financial condition.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon the consummation of this offering, we and Retail Ventures
will have entered into a number of agreements governing our
separation from and our future relationship with Retail
Ventures, including a master separation agreement and a shared
services agreement, in the context of our relationship to Retail
Ventures as a wholly-owned subsidiary. Accordingly, the terms
and provisions of these agreements may be less favorable to us
than terms and provisions we could have obtained in arm&#146;s
length negotiations with unaffiliated third parties.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We and Retail Ventures intend to enter into a tax separation
agreement that will become effective upon consummation of this
offering. The tax separation agreement will govern the
respective rights, responsibilities, and obligations of Retail
Ventures and us with respect to tax liabilities and benefits,
tax attributes, tax contests and other matters regarding taxes
and related tax returns. Although Retail Ventures does not
intend or plan to undertake a spin-off of our stock to Retail
Ventures stockholders, we and Retail Ventures have agreed to set
forth our respective rights, responsibilities and obligations
with respect to any possible spin-off in the tax separation
agreement. If Retail Ventures were to decide to pursue a
possible spin-off, we have agreed to cooperate with Retail
Ventures and to take any and all actions reasonably requested by
Retail Ventures in connection with such a transaction. We have
also agreed not to knowingly take or fail to take any actions
that could reasonably be expected to preclude Retail
Ventures&#146; ability to undertake a tax-free spin-off. In
addition, we generally would be responsible for any taxes
resulting from the failure of a spin-off to qualify as a
tax-free transaction to the extent such taxes are attributable
to, or result from, any action or failure to act by us or
certain transactions in our stock (including transactions over
which we would have no control, such as acquisitions of our
stock and the exercise of warrants, options, exchange rights,
conversion rights or similar arrangements with respect to our
stock) following or preceding a spin-off. We would also be
responsible for a percentage (based on the relative market
capitalizations of DSW and Retail Ventures at the time of such
spin-off) of such taxes to the extent such taxes are not
otherwise attributable to DSW or Retail Ventures. Our agreements
in connection with such tax matters last indefinitely. See
&#147;Management&#146;s Discussion and Analysis of Financial
Condition and Results of Operations&nbsp;&#151; Separation
Agreements&#148; and &#147;Certain Relationships and Related
Party Transactions&nbsp;&#151; Relationships Between Our Company
and Retail Ventures.&#148;
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>We may be prevented from issuing stock to raise capital,
    to effectuate acquisitions or to provide equity incentives to
    members of our management and board of directors.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Beneficial ownership of at least 80% of the total voting power
and 80% of each class of nonvoting capital stock is required in
order for Retail Ventures to effect a tax-free spin-off of DSW
or certain other tax-free transactions. Although as of the date
of this prospectus Retail Ventures does not intend or plan to
</DIV>

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<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt;">
undertake a spin-off of our stock to Retail Ventures
shareholders, under the terms of our tax separation agreement,
we have agreed that for so long as Retail Ventures continues to
own greater than 50% of the voting control of our outstanding
stock, we will not knowingly take or fail to take any action
that could reasonably be expected to preclude Retail
Ventures&#146; ability to undertake a tax-free spin-off. In
addition, Retail Ventures will be subject to
(a)&nbsp;contractual obligations with its lenders to retain
ownership of at least 55% by value of the Common Shares of DSW
for so long as the Value City convertible loan facility remains
outstanding and (b)&nbsp;contractual obligations with its
warrantholders to retain enough DSW Common Shares to be able to
satisfy its obligations to deliver such shares to its
warrantholders if the warrantholders elect to exercise their
warrants in full for DSW Class&nbsp;A Common Shares. For
purposes of determining Retail Ventures&#146; ownership interest
in DSW, DSW Common Shares transferred by Retail Ventures to the
warrantholders upon exercise of their warrants will not be
subtracted from Retail Ventures&#146; ownership. These
restrictions may prevent us from issuing additional equity
securities to raise capital, to effectuate acquisitions or to
provide management or director equity incentives. See
&#147;Certain Relationships and Related Party Transactions
&#151; Relationships Between Our Company and Retail
Ventures.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Our prior and continuing relationship with Retail Ventures
    exposes us to risks attributable to Retail Ventures&#146;
    businesses.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures is obligated to indemnify us for losses that a
party may seek to impose upon us or our affiliates for
liabilities relating to the Retail Ventures business that are
incurred through a breach of the master separation agreement or
any ancillary agreement by Retail Ventures or its non-DSW
affiliates, if such losses are attributable to Retail Ventures
in connection with this offering or are not expressly assumed by
us under the master separation agreement. Immediately following
this offering, any claims made against us that are properly
attributable to Retail Ventures or Value City in accordance with
these arrangements would require us to exercise our rights under
the master separation agreement to obtain payment from Retail
Ventures. We are exposed to the risk that, in these
circumstances, Retail Ventures cannot, or will not, make the
required payment. If this were to occur, our business and
financial performance could be adversely affected. See
&#147;Certain Relationships and Related Party Transactions.&#148;
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Possible future sales of Class&nbsp;A Common Shares by
    Retail Ventures, SSC, Cerberus and Back Bay could adversely
    affect prevailing market prices for the Class&nbsp;A Common
    Shares.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After completion of this offering, the Class&nbsp;B Common
Shares held by Retail Ventures will continue to be subject to
liens in favor of SSC, Cerberus and Value City. However, Retail
Ventures may sell any and all of the Common Shares held by it
upon the consent of these lenders, subject to applicable
securities laws and the restrictions set forth below. For a
discussion of these liens, see &#147;Management&#146;s
Discussion and Analysis of Financial Condition and Results of
Operations&nbsp;&#151; The DSW Separation&#148; and
&#147;Description of Indebtedness.&#148; In addition, SSC,
Cerberus and Back Bay will have the right to acquire from Retail
Ventures Class&nbsp;A Common Shares of DSW after the
consummation of this offering. Sales or distribution by Retail
Ventures, SSC, Cerberus and Back Bay of a substantial number of
Class&nbsp;A Common Shares in the public market or to their
respective shareholders, or the perception that such SSC,
Cerberus and Back Bay sales or distributions could occur, could
adversely affect prevailing market prices for the Class&nbsp;A
Common Shares. See &#147;Certain Relationships and Related Party
Transactions&nbsp;&#151; Relationships Between our Company and
Retail Ventures&nbsp;&#151; Agreements Relating to our
Separation from Retail Ventures&nbsp;&#151; Exchange
Agreement.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures has advised us that its current intent is to
continue to hold all the Common Shares owned by it following
this offering, except to the extent necessary to satisfy
obligations under warrants it has granted to SSC, Cerberus, and
Back Bay. See &#147;Management&#146;s Discussion and Analysis of
Financial Condition and Results of Operations&nbsp;&#151; The
DSW Separation,&#148; &#147;Certain Relationships and Related
Party Transactions&nbsp;&#151; Notes, Credit Agreements and
Guarantees&#148; and &#147;Description of Indebtedness.&#148; In
addition, Retail Ventures will be subject to
(a)&nbsp;contractual obligations with its lenders to retain
ownership of at least 55% by value of the Common Shares of DSW
for so long as the Value City convertible loan facility remains
outstanding and (b)&nbsp;contractual obligations with its
warrantholders to retain enough DSW Common Shares to be able to
satisfy its obligations to deliver such shares to its
warrantholders if the warrantholders elect to exercise their
warrants in full for DSW Class&nbsp;A Common Shares. For
purposes of determining Retail Ventures&#146; ownership interest
in DSW, DSW Common Shares transferred by Retail Ventures to the
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">20

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<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt;">
warrantholders upon exercise of their warrants will not be
subtracted from Retail Ventures&#146; ownership. In addition,
Retail Ventures has agreed not to sell or otherwise dispose of
any Common Shares of DSW that Retail Ventures holds for a period
of 180&nbsp;days after the date of this prospectus without the
prior written consent of Lehman Brothers Inc. on behalf of the
underwriters. See &#147;Underwriting.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of the date of this prospectus, Retail Ventures is highly
leveraged as a result of the indebtedness outstanding under the
Value City term loan facility, revolving credit facility and
convertible loan facility. After the consummation of this
offering, Retail Ventures will continue to be highly leveraged
as a result of the indebtedness outstanding under the Value City
revolving credit facility and convertible loan facility, and it
may incur additional indebtedness in the future. If Retail
Ventures were to require additional funds to service or
refinance this indebtedness or to fund its operations in the
future and could not obtain capital from alternative sources, it
could seek to sell some or all of the Common Shares of DSW that
it holds in order to obtain such funds.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Similarly, SSC, Cerberus and Back Bay are not subject to any
contractual obligation to retain Class&nbsp;A Common Shares they
may acquire from Retail Ventures, except that they, too, have
agreed not to sell or otherwise dispose of any of our Common
Shares for a period of 180&nbsp;days after the date of this
prospectus without the prior written consent of Lehman Brothers
Inc. However, Cerberus may effect a transfer of all of its
warrants to a single person or group of related persons,
provided that any transferee or transferees of Cerberus also
agree, for the duration of the lock-up period, that any further
transfer shall be made on the same terms, and provided further
that neither Cerberus nor its direct or indirect transferees may
transfer any DSW Common Shares underlying the warrants for the
remainder of the lock-up period. As a result, there can be no
assurance concerning the period of time during which Retail
Ventures, SSC, Cerberus and Back Bay will maintain their
respective beneficial ownership of Common Shares following this
offering. Retail Ventures, SSC and Cerberus will have
registration rights with respect to their respective Common
Shares following this offering, which would facilitate any
future distribution, and SSC, Cerberus and Back Bay will be
entitled to participate in the registrations initiated by the
other entities. See &#147;Certain Relationships and Related
Party Transactions&nbsp;&#151; Relationships Between Our Company
and Retail Ventures&#148; and &#147;Shares Available for Future
Sale.&#148;
</DIV>

<P align="center" style="font-size: 10pt;">21

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<DIV align="left" style="font-size: 10pt;">
<A name='103'></A>
</DIV>

<!-- link1 "FORWARD-LOOKING STATEMENTS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>FORWARD-LOOKING STATEMENTS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Some of the statements under &#147;Prospectus Summary,&#148;
&#147;Risk Factors,&#148; &#147;Management&#146;s Discussion and
Analysis of Financial Condition and Results of Operations,&#148;
&#147;Business&#148; and elsewhere in this prospectus may
contain forward-looking statements which reflect our current
views with respect to, among other things, future events and
financial performance. You can identify these forward-looking
statements by the use of forward-looking words such as
&#147;outlook,&#148; &#147;believes,&#148; &#147;expects,&#148;
&#147;potential,&#148; &#147;continues,&#148; &#147;may,&#148;
&#147;will,&#148; &#147;should,&#148; &#147;seeks,&#148;
&#147;approximately,&#148; &#147;predicts,&#148;
&#147;intends,&#148; &#147;plans,&#148; &#147;estimates,&#148;
&#147;anticipates&#148; or the negative version of those words
or other comparable words. Any forward-looking statements
contained in this prospectus are based upon our historical
performance and on current plans, estimates and expectations.
The inclusion of this forward-looking information should not be
regarded as a representation by us, the underwriters or any
other person that the future plans, estimates or expectations
contemplated by us will be achieved. Such forward-looking
statements are subject to various risks and uncertainties.
Accordingly, there are or will be important factors that could
cause our actual results to differ materially from those
indicated in these statements. We believe that these factors
include but are not limited to those described under &#147;Risk
Factors.&#148; These factors should not be construed as
exhaustive and should be read in conjunction with the other
cautionary statements that are included in this prospectus. We
do not undertake any obligation to publicly update or review any
forward-looking statement, whether as a result of new
information, future developments or otherwise.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If one or more of these or other risks or uncertainties
materialize, or if our underlying assumptions prove to be
incorrect, actual results may vary materially from what we may
have projected. Any forward-looking statements you read in this
prospectus reflect our current views with respect to future
events and are subject to these and other risks, uncertainties
and assumptions relating to our operations, results of
operations, financial condition, growth strategy and liquidity.
You should specifically consider the factors identified in this
prospectus that could cause actual results to differ before
making an investment decision.
</DIV>

<P align="center" style="font-size: 10pt;">22

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<DIV align="left" style="font-size: 10pt;">
<A name='104'></A>
</DIV>

<!-- link1 "USE OF PROCEEDS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>USE OF PROCEEDS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We estimate that the net proceeds from our sale of the
14,062,500 Class&nbsp;A Common Shares we are offering will be
$202.3&nbsp;million, assuming an initial public offering price
of $16.00&nbsp;per share (the midpoint of the range set forth on
the cover page of the prospectus), and after deducting estimated
underwriting discounts and offering expenses. If the
underwriters exercise their option to purchase additional shares
in full, we estimated that the net proceeds will be
$233.6&nbsp;million, after deducting estimated underwriting
discounts and offering expenses.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We intend to use the net proceeds:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    to repay $190.0&nbsp;million of intercompany indebtedness owed
    to Retail Ventures, plus the accrued interest related thereto,
    which was $2.7&nbsp;million as of April&nbsp;30, 2005;&nbsp;and</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the remainder for working capital and other general corporate
    purposes, including paying down $9.0&nbsp;million of the amount
    we expect to have borrowed under the new DSW secured revolving
    credit facility. This facility is expected to have borrowing
    base restrictions and will provide for borrowings at variable
    interest rates based on LIBOR, the prime rate and the Federal
    Funds effective rate, plus a margin.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The intercompany indebtedness was incurred to fund a
$165.0&nbsp;million dividend and a $25.0&nbsp;million dividend
to Retail Ventures. The $165.0&nbsp;million of indebtedness is
evidenced by a note which is scheduled to mature in March 2020
and bears interest at a rate equal to LIBOR plus 850 basis
points per year. As of April&nbsp;30, 2005, the interest rate
was 11.2%. The $25.0 million of indebtedness is evidenced by a
note which is scheduled to mature in May 2020 and bears interest
at a rate equal to LIBOR plus 950 basis points per year. Had
this note been outstanding as of April&nbsp;30, 2005, the
interest rate would have been 12.2%.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">23
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<DIV align="left" style="font-size: 10pt;">
<A name='105'></A>
</DIV>

<!-- link1 "DIVIDEND POLICY" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DIVIDEND POLICY</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We do not anticipate paying cash dividends on our Common Shares
in the foreseeable future. Management anticipates that all our
earnings and other cash resources, if any, will be retained by
us for investment in our business. The payment of dividends is
subject to the discretion of our board of directors and will
depend on our results of operations, financial position and
capital requirements, general business conditions, restrictions
imposed by financing arrangements, legal restrictions on the
payment of dividends and other factors the board of directors
deems relevant. See &#147;Management&#146;s Discussion and
Analysis of Financial Condition and Results of
Operations&nbsp;&#151; Liquidity and Capital Resources&#148; and
&#147;Description of Indebtedness&nbsp;&#151; Our New Secured
Revolving Credit Facility.&#148;
</DIV>

<P align="center" style="font-size: 10pt;">24

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<DIV align="left" style="font-size: 10pt;">
<A name='106'></A>
</DIV>

<!-- link1 "CAPITALIZATION" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>CAPITALIZATION</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following table sets forth our capitalization as of
April&nbsp;30, 2005:
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    on an actual basis;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    on a pro forma basis to give effect to the incurrence of an
    additional $25.0&nbsp;million of intercompany indebtedness
    incurred to fund a dividend to Retail Ventures, and the
    amendment of our articles of incorporation pursuant to which the
    outstanding common shares of DSW were changed into 27,702,667
    Class&nbsp;B Common Shares of DSW; and</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    on a pro forma as adjusted for this offering basis to give
    further effect to (i)&nbsp;our issuance and sale of 14,062,500
    Class&nbsp;A Common Shares in this offering at an assumed public
    offering price of $16.00 per share, the midpoint of the range of
    the initial public offering price set forth on the cover page of
    this prospectus, (ii)&nbsp;issuance of 100,000 restricted
    Class&nbsp;A Common Shares and stock units, (iii)&nbsp;the
    deduction of estimated underwriting discounts and offering
    expenses payable by us, (iv)&nbsp;the repayment of
    $190.0&nbsp;million of intercompany indebtedness incurred to
    fund dividends to Retail Ventures and the application of the net
    proceeds of this offering, as described under &#147;Use of
    Proceeds&#148; and (v)&nbsp;expected borrowings under our new
    secured revolving credit facility. We expect to issue these
    restricted shares and stock units immediately following the
    pricing of but prior to the consummation of this offering;
    however, the issuance of the restricted shares and stock units
    referred to in (ii) above remains subject to approval by the DSW
    board of directors prior to the consummation of this offering.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This table contains unaudited information and should be read in
conjunction with &#147;Management&#146;s Discussion and Analysis
of Financial Condition and Results of Operations&#148; and our
consolidated financial statements and the accompanying notes
that appear elsewhere in this prospectus.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="51%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>As of April&nbsp;30, 2005</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Pro Forma</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>As Adjusted</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>for this</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Actual</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Pro Forma</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Offering</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(Dollars in thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>13,718</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>13,718</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>14,296</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Short-term debt</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Long-term debt</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Retail Ventures revolving credit facility</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>40,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>40,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    New DSW revolving credit facility</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>31,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Intercompany indebtedness</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>165,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>190,000</TD>
    <TD align="left" valign="bottom" nowrap><SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total debt</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>205,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>230,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>31,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Equity:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Common Shares, no par value, 500 shares authorized, 410.09
    shares outstanding actual; no shares authorized or outstanding,
    pro forma or pro forma as adjusted to give effect to this
    offering</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Class&nbsp;A Common Shares, no par value,
    170,000,000&nbsp;shares authorized; no shares outstanding,
    actual and pro forma; 14,162,500&nbsp;shares outstanding, pro
    forma as adjusted to give effect to this offering</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Class&nbsp;B Common Shares, no par value,
    100,000,000&nbsp;shares authorized; no shares outstanding,
    actual; 27,702,667&nbsp;shares outstanding, pro forma and pro
    forma as adjusted to give effect to this offering</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Preferred Shares, no par value, 100,000,000&nbsp;shares
    authorized, no shares outstanding actual, pro forma and pro
    forma as adjusted to give effect to this offering</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Additional paid-in capital</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>202,250</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Retained earnings</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,194</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,194</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total equity</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>20,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>(4,194</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>198,056</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total capitalization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>225,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>225,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>229,056</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Represents $190.0&nbsp;million of intercompany indebtedness
    incurred to fund dividends to Retail Ventures. Of this
    $190.0&nbsp;million of intercompany indebtedness,
    $25.0&nbsp;million was incurred subsequent to April&nbsp;30,
    2005.</TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">25

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
<A name='107'></A>
</DIV>

<!-- link1 "DILUTION" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DILUTION</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If you invest in our Class&nbsp;A Common Shares, your interest
will be diluted to the extent of the difference between the
initial public offering price per share of our Class&nbsp;A
Common Shares and the net tangible book value per share of our
Common Shares after this offering.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net tangible book value per share represents the amount of total
tangible assets less total liabilities, divided by the number of
Common Shares then outstanding. Our net tangible book value as
of April&nbsp;30, 2005 was approximately ($12.0)&nbsp;million,
which includes the effect of the $165.0&nbsp;million of
intercompany indebtedness owed to Retail Ventures. After giving
effect to the change of 410.09&nbsp;common shares of DSW into
27,702,667 Class&nbsp;B Common Shares, our pro forma net
tangible book value would have been ($0.43)&nbsp;per share as of
April&nbsp;30, 2005. After giving effect to our sale of
Class&nbsp;A Common Shares in this offering at the initial
public offering price of $16.00&nbsp;per share (the midpoint of
the price range set forth on the cover page of this prospectus),
deducting estimated underwriting discounts and estimated
offering expenses, and adjusting to give effect to the
subsequent incurrence of $25.0&nbsp;million of intercompany
indebtedness owed to Retail Ventures, our pro forma net tangible
book value as of April&nbsp;30, 2005 would have been
$165.3&nbsp;million, or $3.96&nbsp;per Common Share (assuming no
exercise of the underwriters&#146; option to purchase additional
shares). This represents an immediate increase in the pro forma
net tangible book value of $4.39&nbsp;per share and an immediate
and substantial dilution of $12.04&nbsp;per share to new
investors purchasing Class&nbsp;A Common Shares in this
offering. The following table illustrates this dilution per
share:
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="87%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Assumed initial public offering price per share</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>16.00</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Pro forma net tangible book value per share as of April&nbsp;30,
    2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>(0.43</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Increase in pro forma net tangible book value per share
    attributable to this offering</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>4.39</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Pro forma net tangible book value per share after giving effect
    to this offering</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>3.96</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Dilution per share to new investors</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>12.04</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The foregoing discussion and tables assume no exercise of any
stock options or issuance of restricted shares that will be
outstanding immediately following this offering. As of the date
of the consummation of this offering, there will be
(i)&nbsp;options outstanding to purchase a total of up to
900,000 registered Class&nbsp;A Common Shares of DSW at an
exercise price per share equal to the initial public offering
price per share and (ii) up to 100,000&nbsp;restricted
Class&nbsp;A Common Shares and stock units issued at a price per
share equal to the initial public offering price per share. We
expect to issue these stock options, restricted shares and stock
units immediately following the pricing of but prior to the
consummation of this offering; however, these stock option,
restricted share and stock unit issuances remain subject to
approval by the DSW board of directors prior to the consummation
of this offering. To the extent that any of these options are
exercised or restricted shares or stock units are issued in the
future, there may be further dilution to new investors.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following table sets forth, as of April&nbsp;30, 2005, on
the pro forma basis as described above, the difference between
the number of Common Shares purchased from us and the total
price paid to us by our existing shareholder, Retail Ventures,
and by the new investors in this offering at an assumed initial
public offering price of $16.00&nbsp;per share (the midpoint of
the price range set forth on the cover page of this prospectus)
and prior to deducting the estimated underwriting discounts and
estimated offering expenses.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="41%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Shares Purchased</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Total Consideration</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Number</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Percentage</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Amount</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Percentage</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>($ in millions)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Retail Ventures</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>27,702,667</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>66.3</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>101.4</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>31.1</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    New investors</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14,062,500</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>33.7</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>225.0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>68.9</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>41,765,167</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>100</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>326.4</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>100</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If the underwriters&#146; option to purchase additional shares
is exercised in full, the following will occur:
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the percentage of Common Shares held by Retail Ventures will
    decrease to approximately 63.1% of the total number of Common
    Shares outstanding; and</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the number of Common Shares held by new investors will be
    increased to 16,171,875&nbsp;shares, or approximately 36.9% of
    the total number of our Common Shares outstanding after this
    offering.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt;">26

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
<A name='108'></A>
</DIV>

<!-- link1 "UNAUDITED PRO FORMA CONDENSED CONSOLIDATED FINANCIAL DATA" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>UNAUDITED PRO FORMA CONDENSED CONSOLIDATED FINANCIAL DATA</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The unaudited pro forma condensed consolidated financial data
presented below were derived by the application of pro forma
adjustments to our historical consolidated financial statements
included elsewhere in this prospectus. The pro forma adjustments
are based upon available information and assumptions that we
believe are reasonable and do not give effect to any
transactions other than those described below.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The unaudited pro forma condensed consolidated statements of
income for the year ended January&nbsp;29, 2005 and the thirteen
week period ended April&nbsp;30, 2005 assume that each of the
following items described in the bullet points below had
occurred on February&nbsp;1, 2004. The unaudited pro forma
condensed consolidated balance sheet as of April&nbsp;30, 2005
assumes that each of the following items had occurred on
April&nbsp;30, 2005:
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the consummation of this offering;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the incurrence of $25.0&nbsp;million of additional intercompany
    indebtedness incurred to fund a dividend to Retail Ventures, for
    total intercompany indebtedness incurred during the period of
    $190.0&nbsp;million;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the repayment of $190.0&nbsp;million of intercompany
    indebtedness incurred to fund dividends to Retail Ventures and
    $2.7&nbsp;million of accrued interest related thereto, and the
    application of net proceeds as set forth under &#147;Use of
    Proceeds&#148;;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the completion of the Transactions;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the reallocation of shoe warehousing and distribution costs
    allocated to the leased shoe departments of Value City, using
    the allocation parameters set forth in the services agreement;
    and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the incurrence of additional estimated operating expenses,
    including the reallocation of corporate department charges
    between Retail Ventures and DSW and the net cost of services to
    be provided under the shared services agreement.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The unaudited pro forma condensed consolidated financial
statements do not purport to (i)&nbsp;represent what our
financial position and results of operations actually would have
been had we been a stand-alone company during the periods
presented and had this offering occurred as of the dates
indicated and (ii) project our financial performance for any
period. The following data are presented for informational
purposes only and should be read in conjunction with &#147;Risk
Factors,&#148; &#147;Capitalization,&#148; &#147;Selected
Consolidated Financial and Operating Data,&#148;
&#147;Management&#146;s Discussion and Analysis of Financial
Condition and Results of Operations,&#148; &#147;The
Transactions&#148; and with our audited consolidated financial
statements and the notes thereto and our unaudited interim
consolidated financial statements and the notes thereto, all
included elsewhere in this prospectus.
</DIV>

<P align="center" style="font-size: 10pt;">27
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>UNAUDITED PRO FORMA CONDENSED CONSOLIDATED STATEMENT OF
INCOME</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>For the Thirteen Week Period Ended April&nbsp;30, 2005</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="54%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Operating</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Pro Forma As</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Actual</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjustments</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjusted</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(Dollars in thousands, except per share amounts)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>281,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>281,806</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cost of sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(199,008</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>22</TD>
    <TD align="left" valign="bottom" nowrap><SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(198,986</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>82,798</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>22</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>82,820</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating
    expenses<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(67,745</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(470</TD>
    <TD align="left" valign="bottom" nowrap>)<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(68,215</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating
    profit<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15,053</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(448</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14,605</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Interest expense</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,521</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,672</TD>
    <TD align="left" valign="bottom" nowrap><SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(849</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Earnings before income
    taxes<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11,532</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,224</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>13,756</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,552</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(878</TD>
    <TD align="left" valign="bottom" nowrap>)<SUP style="font-size: 85%; vertical-align: text-top">(5)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,430</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net
    income<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>6,980</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>1,346</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,326</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Unaudited pro forma as adjusted basic net income per
    share<SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0.20</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Shares used in computing unaudited pro forma as adjusted basic
    net income per
    share<SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>41,865,167</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Unaudited pro forma as adjusted diluted net income per
    share<SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0.20</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Shares used in computing unaudited pro forma as adjusted diluted
    net income per
    share<SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>41,865,167</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Reflects the reallocation of shoe warehousing and distribution
    costs allocated to the leased shoe departments of Value City,
    using the allocation parameters set forth in the shared services
    agreement.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    Actual and pro forma results for the thirteen week period ended
    April&nbsp;30, 2005 include a $6.5&nbsp;million pre-tax charge
    and a $3.9&nbsp;million after-tax charge in operating profit and
    net income, respectively, related to the reserve for estimated
    losses associated with the theft of credit card and other
    purchase information.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    Reflects additional estimated operating expenses, including the
    reallocation of corporate department charges between Retail
    Ventures and DSW and the cost of services to be provided under
    the shared services agreement from Retail Ventures to DSW (net
    of income to be earned from services provided by DSW to Retail
    Ventures).</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(4)&nbsp;</TD>
    <TD align="left">
    Reflects the elimination of interest on $165.0&nbsp;million of
    indebtedness incurred to fund a dividend to Retail Ventures,
    which we expect to repay upon completion of this offering.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(5)&nbsp;</TD>
    <TD align="left">
    The effective tax rate applied to the pro forma adjustments is
    39.5%, the tax rate that was in effect for the thirteen week
    period ended April&nbsp;30, 2005.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(6)&nbsp;</TD>
    <TD align="left">
    During the thirteen week period ended April&nbsp;30, 2005, DSW
    operated as a wholly-owned subsidiary of Retail Ventures and,
    accordingly, did not have publicly traded shares outstanding.
    Unaudited pro forma as adjusted basic and diluted net income per
    share is computed by dividing unaudited pro forma as adjusted
    net income by the number of common shares. For this calculation,
    we have assumed that there will be 41,865,167&nbsp;Common Shares
    outstanding after this offering.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<P align="center" style="font-size: 10pt;">28

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>UNAUDITED PRO FORMA CONDENSED CONSOLIDATED STATEMENT OF
INCOME</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>For the Fiscal Year Ended January&nbsp;29, 2005</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="54%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Operating</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Pro Forma As</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Actual</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjustments</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjusted</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(Dollars in thousands, except per share amounts)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>961,089</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>961,089</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cost of sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(690,878</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,006</TD>
    <TD align="left" valign="bottom" nowrap><SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(687,872</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>270,211</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,006</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>273,217</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(214,102</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(7,201</TD>
    <TD align="left" valign="bottom" nowrap>)<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(221,303</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>56,109</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,195</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>51,914</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Interest expense</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,734</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,734</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Earnings before income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>53,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,195</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>49,180</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(18,420</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,448</TD>
    <TD align="left" valign="bottom" nowrap><SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(16,972</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>34,955</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>(2,747</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>32,208</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Unaudited pro forma as adjusted basic net income per
    share<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0.77</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Shares used in computing unaudited pro forma as adjusted basic
    net income per
    share<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>41,865,167</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Unaudited pro forma as adjusted diluted net income per
    share<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0.77</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Shares used in computing unaudited pro forma as adjusted diluted
    net income per
    share<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>41,865,167</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Reflects the reallocation of shoe warehousing and distribution
    costs allocated to the leased shoe departments of Value City,
    using the allocation parameters set forth in the shared services
    agreement.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    Reflects additional estimated operating expenses, including the
    reallocation of corporate department charges between Retail
    Ventures and DSW and the cost of services to be provided under
    the shared services agreement from Retail Ventures to DSW (net
    of income to be earned from services provided by DSW to Retail
    Ventures).</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    The effective tax rate applied to the pro forma adjustments is
    34.5%, the tax rate that was in effect for the fiscal year ended
    January&nbsp;29, 2005.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(4)&nbsp;</TD>
    <TD align="left">
    During the fiscal year ended January&nbsp;29, 2005, DSW operated
    as a wholly-owned subsidiary of Retail Ventures and,
    accordingly, did not have publicly traded shares outstanding.
    Unaudited pro forma as adjusted basic and diluted net income per
    share is computed by dividing unaudited pro forma as adjusted
    net income by the number of common shares. For this calculation,
    we have assumed that there will be 41,865,167&nbsp;Common Shares
    outstanding after this offering.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt;">29

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>UNAUDITED PRO FORMA CONDENSED CONSOLIDATED BALANCE SHEET</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>As of April 30, 2005</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="31%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Pro Forma As</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Pro Forma As</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjusted for the</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Capital</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjusted for</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Offering and for</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Structure</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Capital Structure</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Offering</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Capital Structure</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Actual</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjustments</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjustments</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjustments<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Adjustments</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="18" align="center" nowrap><B>(Dollars in thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Current assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>277,231</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>277,231</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>578</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>277,809</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Property&nbsp;&#38; equipment&nbsp;&#151; net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>91,055</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>91,055</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>91,055</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Goodwill, tradenames&nbsp;&#38; other</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>38,829</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>38,829</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>38,829</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,115</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,115</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>578</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,693</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Current liabilities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>125,516</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>125,516</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>(2,672</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>122,844</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Long term obligations</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>40,000</TD>
    <TD align="left" valign="bottom" nowrap><SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>40,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(9,000</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>31,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Intercompany indebtedness owned to Retail Ventures</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>165,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>190,000</TD>
    <TD align="left" valign="bottom" nowrap><SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(190,000</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Other non current liabilities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>55,793</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>55,793</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>55,793</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Common shareholders&#146; equity</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(25,000</TD>
    <TD align="left" valign="bottom" nowrap>) <SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,194</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>202,250</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>198,056</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total liabilities&nbsp;&#38; shareholders&#146; equity</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,115</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,115</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>578</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,693</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Represents borrowings on the existing revolving credit facility
    of Value City, which are attributable to DSW.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    Represents the issuance of $190.0&nbsp;million of intercompany
    indebtedness incurred to fund dividends to Retail Ventures. Of
    this $190.0&nbsp;million of intercompany indebtedness,
    $25.0&nbsp;million was incurred subsequent to April&nbsp;30,
    2005.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    Represents the issuance of 14,062,500&nbsp;Class&nbsp;A Common
    Shares at an assumed aggregate initial offering price of
    $225.0&nbsp;million, or $16.00&nbsp;per share (the midpoint of
    the price range set forth on the cover page of this prospectus),
    the payment of estimated fees and expenses assumed to be
    $22.8&nbsp;million, and the application of the net proceeds as
    set forth under &#147;Use of Proceeds.&#148;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<P align="center" style="font-size: 10pt;">30
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
<A name='109'></A>
</DIV>

<!-- link1 "SELECTED CONSOLIDATED FINANCIAL AND OPERATING DATA" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>SELECTED CONSOLIDATED FINANCIAL AND OPERATING DATA</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We present below summary historical financial data. The
following summary historical financial data (i)&nbsp;as of
January&nbsp;29, 2005 and January&nbsp;31, 2004, and for each of
fiscal years 2002, 2003 and 2004, were derived from our audited
historical consolidated financial statements included elsewhere
in this prospectus, (ii)&nbsp;as of April&nbsp;30, 2005 and for
the thirteen week periods ended April&nbsp;30, 2005 and
May&nbsp;1, 2004, were derived from our unaudited condensed
consolidated financial statements included elsewhere in this
prospectus, (iii)&nbsp;as of February&nbsp;1, 2003 and for
fiscal 2001 were derived from our audited consolidated financial
statements not included herein and (iv)&nbsp;as of May&nbsp;1,
2004, February&nbsp;3, 2001 and February&nbsp;2, 2002 and for
fiscal 2000 were derived from our unaudited consolidated
financial statements for these periods not included herein.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="16%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="19">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>For the Thirteen Week</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="18" align="center" nowrap><B>For the Fiscal Year Ended</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Period Ended</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="18" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2/3/01<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2/2/02</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2/1/03</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>1/31/04</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>1/29/05</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>5/1/04</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>4/30/05</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(Unaudited)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(Unaudited)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(Unaudited)</B></TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="26" align="center" nowrap><B>(Dollars in thousands except net sales per average gross square foot)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Statement of Income Data:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net
    sales<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>421,548</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>523,509</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>644,345</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>791,348</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>961,089</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>232,559</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>281,806</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>103,675</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>123,396</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>158,756</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>202,927</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>270,211</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>67,587</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>82,798</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating
    profit<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>9,955</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>4,668</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>17,781</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>28,053</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>56,109</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>13,805</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>15,053</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net
    income<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>5,242</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>239</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,060</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>14,807</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>34,955</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,816</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>6,980</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Balance Sheet Data:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>230,660</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>232,821</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>295,703</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>291,184</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>395,437</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>319,919</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,115</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Working
    capital<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>2,687</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>60,121</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>87,141</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>103,244</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>138,919</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>123,923</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>151,715</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Current
    ratio<SUP style="font-size: 85%; vertical-align: text-top">(5)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1.03</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1.77</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.07</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.39</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.28</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.57</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.21</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Long term
    obligations<SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>513</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>325</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>54,116</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>35,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>55,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>45,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>205,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Other Data:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Number of DSW
    stores:<SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Beginning of period</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>58</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>78</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>104</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>126</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>142</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>142</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>172</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    New stores</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>26</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>22</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>31</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Closed/re-categorized
    stores<SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    End of period</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>78</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>104</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>126</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>142</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>172</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>151</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>177</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Comparable DSW stores (units)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>44</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>54</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>74</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>102</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>124</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>125</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>139</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    DSW store square footage
    added<SUP style="font-size: 85%; vertical-align: text-top">(8)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>544,999</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>684,086</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>584,652</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>386,734</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>835,020</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>239,117</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>181,371</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Average gross square
    footage<SUP style="font-size: 85%; vertical-align: text-top">(9)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,536,307</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,217,108</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,912,545</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,364,094</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,010,245</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,704,437</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,440,123</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net sales per average gross sq.
    ft.<SUP style="font-size: 85%; vertical-align: text-top">(10)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>267</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>230</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>214</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>214</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>217</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>57</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>57</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Number of leased shoe departments at end of period</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>113</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>168</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>224</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>172</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>231</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Affiliated leased shoe departments</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>17</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>22</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Non-affiliated leased shoe departments</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>97</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>151</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>202</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>152</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>206</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total comparable store sales
    change<SUP style="font-size: 85%; vertical-align: text-top">(11)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>19.1</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0.1</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.9</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4.4</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="1%"></TD>
    <TD width="2%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Fiscal 2000 includes 53&nbsp;weeks; all other years contain
    52&nbsp;weeks.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    Includes net sales of leased shoe departments.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    Results for the thirteen week period ended April&nbsp;30, 2005
    include a $6.5&nbsp;million pre-tax charge, and a
    $3.9&nbsp;million after-tax charge in operating profit and net
    income, respectively, related to the reserve for estimated
    losses associated with the theft of credit card and other
    purchase information.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<P align="center" style="font-size: 10pt;">31

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="1%"></TD>
    <TD width="2%"></TD>
    <TD width="97%"></TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(4)&nbsp;</TD>
    <TD align="left">
    Working capital represents current assets less current
    liabilities.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(5)&nbsp;</TD>
    <TD align="left">
    Current ratio represents current assets divided by current
    liabilities.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(6)&nbsp;</TD>
    <TD align="left">
    Comprised of borrowings under the Value City revolving credit
    facility, except for the amounts outstanding as of
    April&nbsp;30, 2005, which also include $165.0&nbsp;million of
    intercompany indebtedness incurred to fund a dividend to Retail
    Ventures. We expect to repay this intercompany indebtedness with
    the net proceeds of this offering.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(7)&nbsp;</TD>
    <TD align="left">
    Number of DSW stores for each fiscal period presented prior to
    the first quarter of fiscal 2005 includes two combination
    DSW/Filene&#146;s Basement stores which were re-categorized as
    leased shoe departments in the first quarter of fiscal 2005.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(8)&nbsp;</TD>
    <TD align="left">
    DSW square footage added represents the total amount of square
    footage added during the period attributable to new store
    openings for DSW stores only; it does not reflect changes in
    square footage of leased shoe departments.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(9)&nbsp;</TD>
    <TD align="left">
    Average gross square footage represents the monthly average of
    square feet for DSW stores only for each period presented and
    consequently reflects the effect of opening stores in different
    months throughout the period.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(10)&nbsp;</TD>
    <TD align="left">
    Net sales per average gross square foot is the result of
    dividing net sales for DSW stores only for the period presented
    by average gross square foot calculated as described in
    footnote&nbsp;8 above.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>(11)&nbsp;</TD>
    <TD align="left">
    Comparable DSW stores and comparable leased shoe departments are
    those units that have been in operation for at least
    14&nbsp;months at the beginning of the fiscal year. Stores or
    leased shoe departments, as the case may be, are added to the
    comparable base at the beginning of the year and are dropped for
    comparative purposes in the month that they are closed.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<P align="center" style="font-size: 10pt;">32
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
<A name='110'></A>
</DIV>

<!-- link1 "MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This management&#146;s discussion and analysis of financial
condition and results of operations contains forward-looking
statements that involve risks and uncertainties. Please see
&#147;Forward-Looking Statements&#148; for a discussion of the
uncertainties, risks and assumptions associated with these
statements. You should read the following discussion in
conjunction with our historical consolidated financial
statements and the notes thereto, our unaudited pro forma
financial statements and the notes to our unaudited pro forma
financial statements appearing elsewhere in this prospectus,
including &#147;Prospectus Summary&nbsp;&#151; Summary
Consolidated Financial Information,&#148;
&#147;Capitalization,&#148; &#147;Unaudited Pro Forma
Consolidated Financial Data&#148; and &#147;Selected
Consolidated Financial and Operating Data.&#148; The results of
operations for the periods reflected herein are not necessarily
indicative of results that may be expected for future periods,
and our actual results may differ materially from those
discussed in the forward-looking statements as a result of
various factors, including but not limited to those listed under
&#147;Risk Factors&#148; and included elsewhere in this
prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Overview</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW is a leading U.S. specialty branded footwear retailer
operating 177&nbsp;DSW stores in 32&nbsp;states as of
April&nbsp;30, 2005, with net sales of approximately
$961.1&nbsp;million in fiscal 2004. We offer in our DSW stores a
combination of selection, convenience and value that we believe
differentiates us from our competitors such as mall-based
department stores, national chains and independent shoe
retailers and appeals to consumers from a broad range of
socioeconomic and demographic backgrounds. In addition to
operating DSW stores, as of April&nbsp;30, 2005, we operated a
total of 206 leased shoe departments for three non-affiliated
retailers, including 154&nbsp;leased shoe departments for Stein
Mart, Inc., or Stein Mart; 51 for Gordman&#146;s, Inc., or
Gordmans; and one for Frugal Fannie&#146;s Fashion Warehouse, or
Frugal Fannie&#146;s. As of April&nbsp;30, 2005, we also
operated 25 leased shoe departments for Filene&#146;s Basement,
a wholly-owned subsidiary of Retail Ventures. We plan to further
strengthen our position as a leading specialty branded footwear
retailer by pursuing three primary strategies for
growth&nbsp;&#151; expanding our store base, driving sales
through enhanced merchandising and continuing to improve
profitability.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The first DSW store was opened in July 1991, and in 1998, the
DSW business was acquired by Value City Department Stores, Inc.,
which subsequently became a wholly-owned subsidiary of Retail
Ventures. In December 2004, Retail Ventures completed a
corporate reorganization whereby Value City Department Stores,
Inc., a wholly-owned subsidiary of Retail Ventures, merged with
and into Value City, another wholly-owned subsidiary of Retail
Ventures. In turn, Value City transferred all the issued and
outstanding shares of DSW to Retail Ventures in exchange for a
promissory note. We have operated as a division of Retail
Ventures, and our assets, liabilities and operating results have
been included in the financial statements of Value City
Department Stores, Inc. or Retail Ventures since the time of our
acquisition and the formation of Retail Ventures, respectively.
In connection with the sale of Class&nbsp;A Common Shares
offered pursuant to this prospectus, DSW will become a
publicly-traded company and will operate its business as a
stand-alone entity. For more information regarding the
separation of the DSW business from Retail Ventures, please see
&#147;&#151;&nbsp;Separation Agreements&#148; and &#147;Certain
Relationships and Related Party Transactions&nbsp;&#151;
Relationships Between Our Company and Retail Ventures.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our consolidated financial statements, which are discussed
below, reflect the historical position, results of operations
and cash flows of the DSW business, which has been transferred
to us from Retail Ventures or other affiliates pursuant to the
reorganization. They assume that DSW, for the periods presented,
had existed as a separate legal entity. Our consolidated
financial statements reflect the accounting policies adopted by
Retail Ventures in the preparation of its financial statements.
Some costs have been reflected in the consolidated financial
statements that are not necessarily indicative of the costs that
DSW would have incurred had it operated as an independent,
stand-alone entity for all periods presented. These costs
include allocated portions of Retail Ventures&#146; corporate
overhead, interest expense and income taxes.
</DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

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    <TD></TD>
    <TD>
    <B><I>Sources of Revenue</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW generates revenues by purchasing primarily in-season shoes
and accessories directly from vendors for sale to customers in
DSW&nbsp;stores and leased shoe departments. We have operated
leased shoe departments in Filene&#146;s Basement stores since
April 2000, in Stein Mart stores since July 2002 and in Gordmans
stores since June 2004.
</DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
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    <TD></TD>
    <TD>
    <B><I>Expansion Strategy</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The main growth strategy for our business is to increase total
net sales through DSW&nbsp;store expansion while maintaining
positive comparable store sales growth for DSW&nbsp;stores. We
intend to open approximately 30&nbsp;stores per year in each
fiscal year from fiscal 2005 through fiscal 2009. As of
April&nbsp;30, 2005, we have opened seven new stores in fiscal
2005 and signed leases for an additional 22 stores and one store
relocation. For fiscal 2005, we have budgeted approximately
$10.5&nbsp;million and $26.4&nbsp;million, respectively, for
capital expenditures and inventory in connection with new DSW
store openings. We expect to receive approximately
$9.0&nbsp;million in tenant allowances in connection with these
store openings. We plan to finance investment in new DSW stores
with cash flows from operating activities and by drawing from
our new $150&nbsp;million secured revolving credit facility when
necessary. However, we may be unable to open new stores
contemplated <BR>
 by our growth plan on a timely basis. For a further discussion
of the risks associated with our growth strategy, see &#147;Risk
Factors&nbsp;&#151; Risks Relating to Our Business.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We expect our expenses to increase as we operate the additional
stores and support the increasing size of the business. However,
we will strive to limit the growth rate of our expenses to a
rate that is less than the growth rate of net sales. We expect
the increase in net sales to come primarily from an increase in
our market share, as we do not expect a significant increase in
the total footwear market.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We utilize economic and demographic information to select new
DSW&nbsp;store locations that will generate additional
incremental sales with minimal negative effects on existing
stores. The selection of stores is <BR>
 based on evaluating total sales expectations for the location,
as well as the appropriateness of the size and rent. In the
past, we have closed stores which have not been profitable, and
may do so again in the future. In addition, we have also moved
stores to other locations in the same market. In fiscal years
2002, 2003, and 2004 we have opened DSW&nbsp;stores that were
approximately 6% larger than the average store size of a typical
DSW&nbsp;store in prior fiscal years. However, to date, the
sales volumes of these newer stores have been less than our
average store sales, and, as a result, we have experienced a
decrease in net sales per average gross square foot. As the
newer stores increase their net sales and we open new stores
sized to fit market potential, we expect to improve our net
sales per gross square foot performance in the future.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We anticipate that cash from operations, together with
borrowings under our new secured revolving credit facility, will
be adequate to fund operating expenses, working capital, capital
expenditures and our planned retail expansion. However, there
can be no assurance as to the future availability of external
financing or internally generated funds required to execute our
DSW&nbsp;store expansion strategy as planned. For more
information regarding our plans for funding our operations and
expansion, see &#147;&#151;&nbsp;Liquidity and Capital
Resources.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Key Financial and Non-Financial Measures</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In evaluating DSW&#146;s results of operations, our management
refers to a number of key financial and non-financial measures
relating to the performance of our business. Among our key
financial results are net sales, operating profit and net
income. Non-financial measures that we use in evaluating our
performance include number of DSW&nbsp;stores and leased shoe
departments, net sales per average gross square foot for
DSW&nbsp;stores, and change in comparable stores sales.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following describes certain line items set forth in our
consolidated statement of income:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Net Sales. </I>We record net sales exclusive of sales tax and
net of returns. For comparison purposes, we define stores or
leased shoe departments as comparable or non-comparable. A
store&#146;s or leased shoe department&#146;s sales are included
in comparable sales if the store or leased shoe department has
been in
</DIV>

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<DIV align="left" style="font-size: 10pt;">
operation at least 14&nbsp;months at the beginning of the fiscal
year. Stores and leased shoe departments are excluded from the
comparison in the month that they close. Stores that are
remodeled or relocated are excluded from the comparison if they
are closed for more than two fiscal months or are relocated out
of their market area.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Cost of Sales. </I>Our cost of sales includes the cost of
merchandise, distribution and warehousing (including
depreciation), store occupancy (excluding depreciation),
permanent and point of sale reductions, markdowns and shrinkage
provision. After the consummation of this offering, our cost of
sales will also reflect the impact of shared services.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Operating Expenses. </I>Operating expenses include expenses
related to store selling, store management and store payroll
costs, advertising, leased shoe department operations, store
depreciation and amortization, pre-opening advertising and other
pre-opening costs (which are expensed as incurred), corporate
expenses for buying services, information services, depreciation
expense for corporate cost centers, marketing, insurance, legal,
finance, outside professional services, allocable costs from
Retail Ventures and other corporate related departments and
benefits for associates and related payroll taxes. After the
consummation of this offering, our operating expenses will also
reflect the cost of shared services and the cost of operating as
a public company. Corporate level expenses are primarily
attributable to operations at our corporate offices in Columbus,
Ohio.
</DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

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    <TD></TD>
    <TD>
    <B><I>Fiscal Year; Seasonality</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We follow a 52/53-week fiscal year that ends on the Saturday
nearest to January&nbsp;31 in each year. Fiscal 2004, 2003, 2002
and 2001 each consisted of 52&nbsp;weeks and fiscal 2000
consisted of 53 weeks.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our business, measured in terms of net sales, is subject to
seasonal trends. Our net sales, measured on a comparable stores
basis, have typically been higher in spring and early fall, when
our customers&#146; interest in new seasonal styles increases.
In addition, when measured in terms of operating profit, our
business has historically experienced lower levels of
profitability in the fourth quarter of our fiscal year, due
primarily to moderately lower sales in the fourth quarter.
Unlike many other retailers, we have not historically
experienced a large increase in net sales during our fourth
quarter associated with the winter holiday season.
</DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Separation Agreements</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We will enter into several agreements with Retail Ventures in
connection with the separation of the DSW business from the
Retail Ventures group.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Master Separation Agreement. </I>The separation agreement
will become effective upon the consummation of this offering.
The master separation agreement contains key provisions relating
to the separation of our business from Retail Ventures. The
master separation agreement will require us to exchange
information with Retail Ventures, follow certain accounting
practices and resolve disputes with Retail Ventures in a
particular manner. We also will agree to maintain the
confidentiality of certain information and preserve available
legal privileges. The separation agreement also will contain
provisions relating to the allocation of the costs of our
initial public offering, indemnification, non-solicitation of
employees and employee benefit matters.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under the master separation agreement, we have agreed to effect
up to one demand registration per calendar year of our Common
Shares, whether Class&nbsp;A or Class&nbsp;B, held by Retail
Ventures, if requested by Retail Ventures. We have also granted
Retail Ventures the right to include its Common Shares of DSW in
an unlimited number of other registrations of such shares
initiated by us or on behalf of our other shareholders.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Shared Services Agreement. </I>Many aspects of our business,
which were fully managed and controlled by us without Retail
Ventures&#146; involvement, will continue to operate as they did
prior to this offering. We will continue to manage operations
for critical functions such as merchandise buying, planning and
allocation, distribution and store operations. Under the shared
services agreement, which when signed will become effective as
of January&nbsp;30, 2005, we will provide services to several
subsidiaries of Retail Ventures relating to planning and
allocation support, distribution services and outbound
transportation management, site research, lease negotiation,
store design and construction management. Retail Ventures will
provide us with services relating to import administration, risk
management, information technology, tax, logistics and inbound
</DIV>

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<DIV align="left" style="font-size: 10pt;">
transportation management, legal services, financial services,
shared benefits administration and payroll and will maintain
insurance for us and for our directors, officers, and employees.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We anticipate that the initial term of the shared services
agreement will expire at the end of fiscal 2007 and will be
extended automatically for additional one-year terms unless
terminated by one of the parties. As of the date of this
prospectus, we expect that Retail Ventures will provide us with
several information technology services for a period longer than
the initial term, and we expect that distribution services will
be provided for a period shorter than the initial term. With
respect to each of the other shared services, we cannot
reasonably anticipate whether the services will be shared for a
period shorter or longer than the initial term.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Tax Separation Agreement. </I>We have historically been
included in Retail Ventures&#146; consolidated group, or the
Consolidated Group, for U.S.&nbsp;federal income tax purposes as
well as in certain consolidated, combined or unitary groups
which include Retail Ventures and/or certain of its
subsidiaries, or a Combined Group, for state and local income
tax purposes. We intend to enter into a tax separation agreement
with Retail Ventures that will become effective upon
consummation of this offering. Pursuant to the tax separation
agreement, we and Retail Ventures generally will make payments
to each other such that, with respect to tax returns for any
taxable period in which we or any of our subsidiaries are
included in the Consolidated Group or any Combined Group, the
amount of taxes to be paid by us will be determined, subject to
certain adjustments, as if we and each of our subsidiaries
included in the Consolidated Group or Combined Group filed our
own consolidated, combined or unitary tax return. Retail
Ventures will prepare pro&nbsp;forma tax returns for us with
respect to any tax return filed with respect to the Consolidated
Group or any Combined Group in order to determine the amount of
tax separation payments under the tax separation agreement. We
will have the right to review and comment on such pro forma tax
returns. We will be responsible for any taxes with respect to
tax returns that include only us and our subsidiaries.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures will be exclusively responsible for preparing
and filing any tax return with respect to the Consolidated Group
or any Combined Group. We generally will be responsible for
preparing and filing any tax returns that include only us and
our subsidiaries. Retail Ventures has agreed to undertake to
provide these services with respect to our separate tax returns.
For the tax services to be provided to us by Retail Ventures, we
will pay Retail Ventures a monthly fee equal to 50% of all costs
associated with the maintenance and operation of Retail
Ventures&#146; tax department (including all overhead expenses).
In addition, we will reimburse Retail Ventures for 50% of any
third party fees and expenses generally incurred by Retail
Ventures&#146; tax department and 100% of any third party fees
and expenses incurred by Retail Ventures&#146; tax department
solely in connection with the performance of the tax services to
be provided to us.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures will be primarily responsible for controlling
and contesting any audit or other tax proceeding with respect to
the Consolidated Group or any Combined Group; provided, however,
that, except in cases involving taxes relating to a spin-off, we
will have the right to control decisions to resolve, settle or
otherwise agree to any deficiency, claim or adjustment with
respect to any item for which we are solely liable under the tax
separation agreement. Pursuant to the tax separation agreement,
we will have the right to control and contest any audit or tax
proceeding that relates to any tax returns that include only us
and our subsidiaries. We and Retail Ventures will have joint
control over decisions to resolve, settle or otherwise agree to
any deficiency, claim or adjustment for which we and Retail
Ventures could be jointly liable, except in cases involving
taxes relating to a spin-off. Disputes arising between the
parties relating to matters covered by the tax separation
agreement are subject to resolution through specific dispute
resolution provisions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have been included in the Consolidated Group for periods in
which Retail Ventures owned at least 80% of the total voting
power and value of the our outstanding stock. It is not expected
that we will be included in the Consolidated Group following
this offering. Each member of a consolidated group for
U.S.&nbsp;federal income tax purposes is jointly and severally
liable for the U.S.&nbsp;federal income tax liability of each
other member of the consolidated group. Similarly, in some
jurisdictions, each member of a consolidated, combined or
unitary group for state, local or foreign income tax purposes is
jointly and severally liable for the state, local or foreign
income tax liability of each other member of the consolidated,
combined or unitary group. Accordingly, although the tax
separation agreement allocates tax liabilities
</DIV>

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<DIV align="left" style="font-size: 10pt;">
between us and Retail Ventures, for any period in which we were
included in the Consolidated Group or a Combined Group, we could
be liable in the event that any income tax liability was
incurred, but not discharged, by any other member of the
Consolidated Group or a Combined Group.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of the date of this prospectus Retail Ventures does not
intend or plan to undertake a spin-off of our stock to Retail
Ventures stockholders. Nevertheless, we and Retail Ventures have
agreed to set forth our respective rights, responsibilities and
obligations with respect to any possible spin-off in the tax
separation agreement. If Retail Ventures were to decide to
pursue a possible spin-off, we have agreed to cooperate with
Retail Ventures and to take any and all actions reasonably
requested by Retail Ventures in connection with such a
transaction. We have also agreed not to knowingly take or fail
to take any actions that could reasonably be expected to
preclude Retail Ventures&#146; ability to undertake a tax-free
spin-off. In addition, we generally would be responsible for any
taxes resulting from the failure of a spin-off to qualify as a
tax-free transaction to the extent such taxes are attributable
to, or result from, any action or failure to act by us or
certain transactions in our stock (including transactions over
which we would have no control, such as acquisitions of our
stock and the exercise of warrants, options, exchange rights,
conversion rights or similar arrangements with respect to our
stock) following or preceding a spin-off. We would also be
responsible for a percentage (based on the relative market
capitalizations of us and Retail Ventures at the time of such
spin-off) of such taxes to the extent such taxes are not
otherwise attributable to us or Retail Ventures. Our agreements
in connection with such spin-off matters last indefinitely. In
addition, present and future majority-owned affiliates of DSW or
Retail Ventures will be bound by our agreements, unless Retail
Ventures or we, as applicable, consent to grant a release of an
affiliate (such consent cannot be unreasonably withheld,
conditioned or delayed), which may limit our ability to sell or
otherwise dispose of such affiliates. Additionally, a minority
interest participant(s) in a future joint venture, if any, would
need to evaluate the effect of the tax separation agreement on
such joint venture, and such evaluation may negatively affect
their decision whether to participate in such a joint venture.
Furthermore, the tax separation agreement may negatively affect
our ability to acquire a majority interest in a joint venture.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Critical Accounting Policies and Estimates.</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As discussed in Note 1 to our consolidated financial statements
included elsewhere in this prospectus, the preparation of our
consolidated financial statements in conformity with generally
accepted accounting principles, or GAAP, requires management to
make estimates and assumptions that affect the reported amounts
of assets and liabilities and disclosure of commitments and
contingencies at the date of the financial statements and
reported amounts of revenues and expenses during the reporting
period. On an ongoing basis, we evaluate our estimates and
judgments, including, but not limited to, those related to
inventory valuation, depreciation, amortization, recoverability
of long-lived assets (including intangible assets), estimates
for self insurance reserves for health and welfare,
workers&#146; compensation and casualty insurance, income taxes,
contingencies, litigation and revenue recognition. We base these
estimates and judgments on our historical experience and other
factors we believe to be relevant, the results of which form the
basis for making judgments about the carrying values of assets
and liabilities that are not readily apparent from other
sources. The process of determining significant estimates is
fact-specific and takes into account factors such as historical
experience, current and expected economic conditions, product
mix, and in some cases, actuarial and appraisal techniques. We
constantly re-evaluate these significant factors and make
adjustments where facts and circumstances dictate.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
While we believe that our historical experience and other
factors considered provide a meaningful basis for the accounting
policies applied in the preparation of the consolidated
statements, we cannot guarantee that our estimates and
assumptions will be accurate. As the determination of these
estimates requires the exercise of judgment, actual results
inevitably will differ from those estimates, and such
differences may be material to our financial statements.
</DIV>

<P align="center" style="font-size: 10pt;">37

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe the following represent the most significant
accounting policies, critical estimates and assumptions, among
others, used in the preparation of our consolidated financial
statements:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <I>Revenue Recognition. </I>Revenues from merchandise sales are
    recognized at the point of sale and are net of returns and
    exclude sales tax. Revenue from gift cards is deferred and the
    revenue is recognized upon redemption of the gift cards.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <I>Cost of Sales and Merchandise Inventories. </I>Merchandise
    inventories are stated at the lower of cost, determined using
    the first-in, first-out basis, or market, using the retail
    inventory method. The retail inventory method is widely used in
    the retail industry due to its practicality. Under the retail
    inventory method, the valuation of inventories at cost and the
    resulting gross profit are calculated by applying a calculated
    cost to retail ratio to the retail value of inventories. The
    cost of the inventory reflected on our consolidated balance
    sheet is decreased by charges to cost of sales at the time the
    retail value of the inventory is lowered through the use of
    markdowns. Hence, earnings are negatively impacted as
    merchandise is marked down prior to sale. Reserves to value
    inventory at the lower of cost or market were $14.2&nbsp;million
    and $11.5&nbsp;million at the end of fiscal 2004 and 2003,
    respectively.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="5%"></TD>
    <TD width="95%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
     Inherent in the calculation of inventories are certain
    significant management judgments and estimates, including
    setting the original merchandise retail value or mark-on,
    markups of initial prices established, reductions in prices due
    to customers&#146; perception of value (known as markdowns), and
    estimates of losses between physical inventory counts, or
    shrinkage, which, combined with the averaging process within the
    retail inventory method, can significantly impact the ending
    inventory valuation at cost and the resulting gross profit.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
     We include in the cost of sales expenses associated with
    warehousing, distribution and store occupancy. Warehousing costs
    are comprised of labor, benefits and other labor-related costs
    associated with the operations of the warehouse, which are
    primarily payroll-related taxes and benefits. The non-labor
    costs associated with warehousing include rent, depreciation,
    insurance, utilities and maintenance and other operating costs
    that are passed to us from the landlord. Distribution costs
    include the transportation of merchandise to the warehouse and
    from the warehouse to our stores. Store occupancy costs include
    rent, utilities, repairs, maintenance and janitorial costs and
    other costs associated with licenses and occupancy-related
    taxes, which are primarily real estate taxes passed to us by our
    landlords.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <I>Asset Impairment and Long-lived Assets. </I>We must
    periodically evaluate the carrying amount of our long-lived
    assets, primarily property and equipment, and finite life
    intangible assets when events and circumstances warrant such a
    review to ascertain if any assets have been impaired. The
    carrying amount of a long-lived asset is considered impaired
    when the carrying value of the asset exceeds the expected future
    cash flows (undiscounted and without interest) from the asset.
    Our reviews are conducted down at the lowest identifiable level,
    which include a store. The impairment loss recognized is the
    excess of the carrying value, based on discounted future cash
    flows, of the asset over its fair value. Should an impairment
    loss be realized, it will be included in operating expenses. The
    amount of impairment losses recorded during fiscal 2004 was
    $0.9&nbsp;million, while in fiscal 2003 and 2002 the amounts of
    impairment losses were immaterial to the financial statements.
    We believe at this time that the long-lived assets&#146;
    carrying values and useful lives continue to be appropriate. To
    the extent these future projections or our strategies change,
    the conclusion regarding impairment may differ from our current
    estimates.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <I>Self-insurance Reserves. </I>We record estimates for certain
    health and welfare, workers compensation and casualty insurance
    costs that are self-insured programs. These estimates are based
    on actuarial assumptions and are subject to change based on
    actual results. Should the total cost of claims for health and
    welfare, workers compensation and casualty insurance exceed
    those anticipated, reserves recorded may not be sufficient, and,
    to the extent actual results vary from assumptions, earnings
    would be impacted.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt;">38

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <I>Customer Loyalty Program. </I>We maintain a customer loyalty
    program for our DSW stores in which customers receive a future
    discount on qualifying purchases. The &#147;Reward Your
    Style&#148; program is designed to promote customer awareness
    and loyalty and provide us with the ability to communicate with
    our customers and enhance our understanding of their spending
    trends. Upon reaching the target spending level, customers may
    redeem these discounts on a future purchase. Generally, these
    future discounts must be redeemed within six months. We accrue
    the estimated costs of the anticipated redemptions of the
    discount earned at the time of the initial purchase and charge
    such costs to operating expense based on historical experience.
    The estimates of the costs associated with the loyalty program
    require us to make assumptions related to customer purchase
    levels and redemption rates. The accrued liability as of
    January&nbsp;29, 2005 and January&nbsp;31, 2004 was
    $4.5&nbsp;million and $3.0&nbsp;million, respectively. To the
    extent assumptions of purchases and redemption rates vary from
    actual results, earnings would be impacted.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <I>Income Taxes. </I>We are required to determine the aggregate
    amount of income tax expense to accrue and the amount which will
    be currently payable based upon tax statutes of each
    jurisdiction we do business in. In making these estimates, we
    adjust income based on a determination of generally accepted
    accounting principles for items that are treated differently by
    the applicable taxing authorities. Deferred tax assets and
    liabilities, as a result of these differences, are reflected on
    our balance sheet for temporary differences that will reverse in
    subsequent years. A valuation allowance is established against
    deferred tax assets when it is more likely than not that some or
    all of the deferred tax assets will not be realized. If our
    management had made these determinations on a different basis,
    our tax expense, assets and liabilities could be different.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Results of Operations</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, we operated 177&nbsp;DSW stores and
leased shoe departments in 154&nbsp;Stein Mart stores,
51&nbsp;Gordmans stores, 25&nbsp;Filene&#146;s Basement stores
and one Frugal Fannie&#146;s store. We manage our operations as
one segment. The following table represents selected components
of our historical consolidated results of operations, expressed
as percentages of net sales:
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="38%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="11">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>For the Thirteen Week</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>For the Fiscal Year Ended</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Period Ended</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>February&nbsp;1,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>May&nbsp;1,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>April&nbsp;30,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2003</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(52&nbsp;Weeks)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(52&nbsp;Weeks)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(52&nbsp;Weeks)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(13&nbsp;Weeks)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(13&nbsp;Weeks)</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net sales, including sales from leased departments</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>100.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>100.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>100.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>100.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>100.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cost of sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(75.4</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(74.4</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(71.9</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(70.9</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(70.6</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>24.6</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25.6</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>28.1</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>29.1</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>29.4</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(21.9</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(22.1</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(22.3</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(23.1</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(24.1</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.7</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3.5</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.8</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6.0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.3</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Interest expense, net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(0.6</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(0.3</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(0.3</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(0.3</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1.2</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Income before income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.1</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3.2</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.5</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.7</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4.1</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Provision for income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(0.9</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1.3</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1.9</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2.3</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1.6</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1.2</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1.9</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3.6</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3.4</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2.5</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

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</FONT></DIV>

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</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Thirteen Week Period Ended April 30, 2005 (First Quarter of
Fiscal 2005) Compared to the Thirteen Week Period Ended
May&nbsp;1, 2004 (First Quarter of Fiscal 2004)</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Net Sales.</I> Net sales for the thirteen week period ended
April&nbsp;30, 2005 increased by 21.2%, or $49.2&nbsp;million,
to $281.8&nbsp;million from $232.6&nbsp;million in the thirteen
week period ended May&nbsp;1, 2004. Our comparable store sales
in the first quarter of fiscal 2005 improved 4.4% compared to
the first quarter of fiscal 2004. After accounting for the
recategorization of two DSW/Filene&#146;s Basement combination
stores from DSW
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">39

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<DIV align="left" style="font-size: 10pt;">
stores to leased shoe departments in the first quarter of fiscal
2005, the increase includes a net increase of 26&nbsp;new DSW
stores, 53 non-affiliated leased shoe departments and three
Filene&#146;s Basement leased shoe departments in the first
quarter of fiscal 2005. The new DSW locations added
$32.6&nbsp;million in sales compared to the first quarter of
fiscal 2004, while the new leased shoe departments added
$5.7&nbsp;million. Leased shoe department sales comprised 10.8%
of total net sales in the first quarter of fiscal 2005, compared
to 8.9% in the first quarter of fiscal 2004.
</DIV>

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</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Compared with first quarter of fiscal 2004, DSW comparable store
sales increased in women&#146;s 2.7%, athletic 12.3% and
men&#146;s 4.9%, and decreased in the accessories category by
3.2%. Sales increases in women&#146;s and men&#146;s were driven
by increases in the dress and casual categories, while the
increase in athletic was the result of an increase in the
fashion athletic category. The decrease in accessories was the
result of declines in the handbags and hosiery categories.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Gross Profit.</I> Gross profit increased $15.2 million to
$82.8 million in the first quarter of fiscal 2005 from
$67.6&nbsp;million in the first quarter of fiscal 2004, and
increased as a percentage of net sales from 29.1% in the first
quarter of fiscal 2004 to 29.4% in the first quarter of fiscal
2005. This increase is primarily attributable to increased
initial markups resulting in higher average unit retail prices.
The benefit of the higher initial markups was partially offset
by markdowns on transitional spring merchandise that had been
brought into the stores in December 2004 and January 2005.
Warehouse expense as a percentage of net sales decreased from
2.4% in the first quarter of fiscal 2004 to 1.7% in the first
quarter of fiscal 2005. The decrease in warehouse expense is the
result of improved operational efficiencies achieved through the
use of electronic shipping information, increased unit volumes
and a higher allocation of warehouse expense to Value
City&#146;s shoe operations pursuant to the shared services
agreement. This decrease in warehouse expense was partially
offset by increases in store occupancy, from 11.9% of net sales
in the first quarter of fiscal 2004 to 12.6% of net sales in the
first quarter of fiscal 2005. The increase in store occupancy is
the result of increases in lease expense for new stores.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Operating Expenses.</I> For the first quarter of fiscal 2005,
operating expenses increased $13.9&nbsp;million from
$53.8&nbsp;million in the first quarter of fiscal 2004 to
$67.7&nbsp;million in the first quarter of fiscal 2005.
Operating expenses represented 24.1% of net sales in the first
quarter of fiscal 2004 and 23.1% of net sales in the first
quarter of fiscal 2005. Operating expenses for the first quarter
of fiscal 2005 include $1.5&nbsp;million in pre-opening costs
compared to $2.8&nbsp;million in the first quarter of fiscal
2004. Pre-opening costs are expensed as incurred and therefore
do not necessarily reflect expenses for the stores opened in a
given fiscal period. Included in operating expenses is the
related operating cost associated with operating the leased shoe
departments, excluding occupancy. The new DSW stores and leased
shoe departments added $6.1&nbsp;million in expenses compared to
the first quarter of fiscal 2004, excluding pre-opening expenses.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
During the quarter we accrued an estimated liability related to
the theft of credit card and other purchase information.
Potential exposures for losses related to stolen information
were estimated to fall within a range of approximately
$6.5&nbsp;million to approximately $9.5&nbsp;million. Because of
many factors, including the early development of information
regarding the theft and recoverability under insurance policies,
there is no amount in the estimated range that represents a
better estimate than any other amount in the range. Therefore,
in accordance with Financial Accounting Standard No.&nbsp;5,
<I>Accounting for Contingencies</I>, we have accrued a charge to
operations equal to the low end of the range set forth above, or
$6.5&nbsp;million. As the situation develops and more
information becomes available to us, the amount of the reserve
may increase or decrease accordingly. The amount of any such
change may be material.
</DIV>

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</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Operating Profit.</I> Operating profit was $15.1&nbsp;million
in the first quarter of fiscal 2005 compared to
$13.8&nbsp;million in the first quarter of fiscal 2004, and
decreased as a percentage of net sales from 6.0% in the first
quarter of fiscal 2004 to 5.3% in the first quarter of fiscal
2005. Operating profit was positively affected by the thirteen
weeks of operation for our DSW stores and leased shoe
departments opened in the previous fiscal year but was offset by
operating expenses related to the estimate for our potential
losses related to the theft of credit card and other purchase
information.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Interest Expense.</I> Interest expense, net of interest
income, increased $2.8 million to $3.5&nbsp;million for the
first quarter of fiscal 2005 from $0.7&nbsp;million for the
first quarter of fiscal 2004. Included in interest expense
</DIV>

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</FONT></DIV>

<P align="center" style="font-size: 10pt;">40
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<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt;">
is $2.7&nbsp;million of interest due to Retail Ventures related
to $165.0&nbsp;million of indebtedness incurred to fund a
dividend. The indebtedness is evidenced by a note that bears
interest at a rate equal to LIBOR plus 850&nbsp;basis points.
The interest expense also reflects higher weighted average
borrowing rates. Interest expense includes the amortization of
debt issuance costs of $0.1&nbsp;million in each of the first
quarters of fiscal 2005 and 2004.
</DIV>

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</FONT></DIV>

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</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Income Taxes.</I> Our effective tax rate for the first
quarter of fiscal 2005 was 39.5%, compared to 40.2% for the
first quarter of fiscal 2004.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Fiscal Year Ended January&nbsp;29, 2005 (Fiscal 2004)
Compared to Fiscal Year Ended January&nbsp;31, 2004 (Fiscal
2003)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Net Sales.</I> Net sales for the fifty-two weeks ended
January&nbsp;29, 2005 increased by 21.4%, or
$169.8&nbsp;million, to $961.1&nbsp;million from
$791.3&nbsp;million in the fifty-two week period ended
January&nbsp;31, 2004. Our comparable store sales in fiscal 2004
improved 5.0% compared to the previous fiscal year. The increase
includes a net increase of 30 new DSW stores, 51 non-affiliated
leased shoe departments and five Filene&#146;s Basement leased
shoe departments in fiscal 2004. The new DSW locations added
$82.0&nbsp;million in sales compared to fiscal 2003, while the
new leased shoe departments added $12.7&nbsp;million. Leased
shoe department sales comprised 9.4% of total net sales in
fiscal 2004, compared to 8.9% in fiscal 2003.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Compared with fiscal 2003, DSW comparable store sales increased
in women&#146;s 4.3%, athletic 11.6% and accessories 9.6%, and
decreased in the men&#146;s category by 0.3%. Sales increases in
women&#146;s were driven by increases in dress, better and
sandals in the spring and women&#146;s casual in the fall. The
increase in athletic was the result of sales increases in
fashion athletic in both the men&#146;s and women&#146;s
categories. The increase in accessories was the result of
additional new merchandise being offered.
</DIV>

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</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Gross Profit.</I> Gross profit increased $67.3&nbsp;million
to $270.2&nbsp;million in fiscal 2004 from $202.9&nbsp;million
in fiscal 2003, and increased as a percentage of net sales from
25.6% in fiscal 2003 to 28.1% in fiscal 2004. This increase is
primarily attributable to increased initial markups and a
decrease in markdowns when compared to the prior fiscal year.
The initial markup increase is the result of increased average
unit retail prices and the ability to buy at lower costs, which
is due to the fact that we placed larger orders. Warehouse
expense as a percentage of net sales decreased from 2.5% in
fiscal 2003 to 2.2% in fiscal 2004. The decrease in warehouse
expense is the result of improved operational efficiencies
achieved through the use of electronic shipping information and
increased unit volumes. This decrease in warehouse expense was
partially offset by increases in store occupancy, from 12.8% of
net sales in fiscal 2003 to 12.9% of net sales in fiscal 2004.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Operating Expenses.</I> For fiscal 2004, operating expenses
increased $39.2&nbsp;million from $174.9&nbsp;million in fiscal
2003 to $214.1&nbsp;million in fiscal 2004. Operating expenses
represented 22.1% of net sales in fiscal 2003 and 22.3% of net
sales in fiscal 2004. Operating expenses for fiscal 2004 include
$10.8&nbsp;million in pre-opening costs compared to
$5.1&nbsp;million in the prior fiscal year. Pre-opening costs
are expensed as incurred and therefore do not necessarily
reflect expenses for the stores opened in a given fiscal year.
Included in operating expenses is the related operating cost
associated with operating the leased shoe departments, excluding
occupancy. The new DSW stores and leased shoe departments added
$14.8&nbsp;million in expenses compared to fiscal 2003,
excluding pre-opening expenses.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Operating Profit.</I> Operating profit was $56.1&nbsp;million
in fiscal 2004 compared to $28.1&nbsp;million in fiscal 2003,
and increased as a percentage of net sales from 3.5% in fiscal
2003 to 5.8% in fiscal 2004. Operating profit was positively
affected by the full year of operations for our DSW stores and
leased shoe departments opened in fiscal 2003.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Interest Expense.</I> Interest expense, net of interest
income, was $2.7&nbsp;million in each of fiscal 2004 and fiscal
2003. Interest expense in fiscal 2004 was the result of an
increase in the average weighted borrowing rate, offset in part
by a decrease in average weighted borrowings. Interest expense
includes the amortization of debt issuance costs of
$0.5&nbsp;million in each of fiscal 2004 and fiscal 2003.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Income Taxes.</I> Our effective tax rate for fiscal 2004 was
34.5%, compared to 41.5% for fiscal 2003. The favorable rate
experienced in fiscal 2004, primarily in the fourth quarter, was
driven by several factors which included the deductibility of
certain expenses associated with the termination benefits of the
former
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">41

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<DIV align="left" style="font-size: 10pt;">
Chief Executive Officer of Retail Ventures, among others. The
favorable effective tax rate is not expected to continue into
the future as DSW anticipates its effective tax rate will
approximate its statutory rate.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Fiscal Year Ended January&nbsp;31, 2004 (Fiscal 2003)
Compared To Fiscal Year Ended February&nbsp;1, 2003 (Fiscal
2002)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Net Sales.</I> Net sales for the fifty-two weeks ended
January&nbsp;31, 2004 increased by 22.8%, or
$147.0&nbsp;million, to $791.3&nbsp;million from
$644.3&nbsp;million in the fifty-two week period ended
February&nbsp;1, 2003. Our comparable store sales in fiscal 2003
improved 5.9% compared to the previous fiscal year. The increase
includes a net increase of 16 new DSW stores, 54 non-affiliated
leased shoe departments and one Filene&#146;s Basement leased
shoe department in fiscal 2003. The new DSW locations added
$32.8&nbsp;million in sales compared to fiscal 2002, while the
new leased shoe departments added $25.4&nbsp;million. Leased
shoe department sales comprised 8.9% of total net sales in
fiscal 2003, compared to 3.5% in fiscal 2002.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Compared with fiscal 2002, DSW&nbsp;comparable store sales
increased in women&#146;s 7.3%, men&#146;s 4.5%, athletic 1.5%
and accessories 3.2%. The increase in women&#146;s was primarily
attributable to a strong year-long comparable store performance
in the women&#146;s better category and a strong seasonal boot
performance in the fourth quarter of fiscal 2003. The increase
in men&#146;s was primarily driven by increases in the casual
and fashion dress shoe categories. In athletic, the increase was
primarily attributable to an increase in the men&#146;s athletic
category. The increase in accessories was primarily driven by an
increase in the gift category.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Gross Profit.</I> Gross profit increased $44.1&nbsp;million
to $202.9&nbsp;million in fiscal 2003 from $158.8&nbsp;million
in fiscal 2002, and increased as a percentage of net sales from
24.6% in fiscal 2002 to 25.6% in fiscal 2003. This increase was
primarily attributable to higher initial markups on merchandise
purchases, as evidenced by the increase in average unit retail
prices. Warehouse expense as a percentage of sales decreased
from 2.7% in fiscal 2002 to 2.5% in fiscal 2003. This decrease
in warehouse expense was partially offset by increases in store
occupancy, from 12.1% of net sales in fiscal 2002 to 12.8% of
net sales in fiscal 2003. The increase in store occupancy is the
result of the higher cost of renting our newer stores.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Operating Expenses.</I> For fiscal 2003, operating expenses
increased $33.9&nbsp;million from $141.0&nbsp;million in fiscal
2002 to $174.9&nbsp;million in fiscal 2003. Operating expenses
represented 21.9% of net sales in fiscal 2002 and 22.1% of net
sales in fiscal 2003. Operating expenses for fiscal 2003 include
$5.1&nbsp;million in pre-opening costs compared to
$2.9&nbsp;million in the prior fiscal year. Pre-opening costs
are expensed as incurred and therefore do not necessarily
reflect expenses for the stores opened in a given fiscal year.
Included in operating expenses is the related operating cost
associated with operating the leased shoe departments, excluding
occupancy. The new DSW stores and leased shoe departments added
$6.7&nbsp;million in expenses compared to fiscal 2002, excluding
pre-opening expenses.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Operating Profit.</I> Operating profit was $28.1&nbsp;million
in fiscal 2003 compared to $17.8&nbsp;million in fiscal 2002,
and increased as a percentage of net sales from 2.7% in fiscal
2002 to 3.5% in fiscal 2003. Operating profit was positively
affected by the full year of operations for our DSW stores and
leased shoe departments opened in fiscal 2002.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Interest Expense.</I> Interest expense, net of interest
income, decreased $1.2&nbsp;million to $2.7&nbsp;million in
fiscal 2003 from $3.9&nbsp;million in fiscal 2002, due primarily
to the write-off in fiscal 2002 of unamortized debt issuance
costs and a decrease in the average weighted borrowing rate,
offset in part by an increase in average weighted borrowings.
Interest expense includes the amortization of debt issuance
costs of $0.5&nbsp;million in each of fiscal 2003 and fiscal
2002.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Income Taxes.</I> Our effective tax rate for fiscal 2003 was
41.5%, compared to 42.0% for fiscal 2002. The decrease in the
effective tax rate was primarily due to the decrease in
non-deductible expenses for tax purposes.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">42
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Quarterly Results</B>
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Quarterly Operations Data</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following tables set forth unaudited quarterly condensed
consolidated statements of operations data, expressed in
thousands of dollars. This quarterly information is unaudited,
but has been prepared on the same basis as the annual
consolidated financial statements included elsewhere in this
prospectus and, in the opinion of our management, reflects all
adjustments necessary for a fair representation of the
information for the periods presented. This quarterly condensed
statement of income data should be read in conjunction with our
audited consolidated financial statements and the related notes
included elsewhere in this prospectus. Operation results for any
quarter are not necessarily indicative of results for any future
period or for the full fiscal year.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="45%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="18" align="center" nowrap><B>Quarter Ended</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="18" align="center" nowrap><B>(Dollars in thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="18" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap><B>FY 2004</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>FY 2005</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>5/1/04</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>7/31/04</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>10/30/04</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>1/29/05</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>4/30/05</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>232,559</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>234,403</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>262,444</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>231,683</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>281,806</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cost of sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(164,972</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(167,464</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(184,991</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(173,451</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(199,008</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>67,587</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>66,939</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>77,453</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>58,232</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>82,798</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(53,782</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(51,305</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(60,664</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(48,351</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(67,745</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>13,805</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15,634</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16,789</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,881</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15,053</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Interest expense</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(726</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(745</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(989</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(274</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,521</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Earnings before income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>13,079</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14,889</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15,800</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,607</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11,532</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Income tax (provision)&nbsp;benefit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,263</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,992</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(6,358</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(807</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,552</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,816</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,897</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>9,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,800</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>6,980</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Comparable store sales change</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>0.8</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5.8</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4.4</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="52%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap><B>Quarter Ended</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap><B>(Dollars in thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap><B>FY 2003</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>5/3/03</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>8/2/03</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>11/1/03</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>1/31/04</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>186,715</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>197,327</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>221,421</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>185,885</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cost of sales</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(144,718</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(145,607</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(161,523</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(136,573</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross profit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>41,997</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>51,720</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>59,898</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>49,312</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(42,363</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(42,904</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(47,466</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(42,141</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating profit (loss)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(366</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,816</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>12,432</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,171</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Interest expense</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(924</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(627</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(634</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(554</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Earnings (loss)&nbsp;before income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1,290</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,189</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11,798</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,617</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Income tax (provision)&nbsp;benefit</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>535</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,395</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,890</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,757</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income (loss)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>(755</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>4,794</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>6,908</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>3,860</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Comparable store sales change</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3.5%)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4.8</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>12.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11.6</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Liquidity and Capital Resources</B>
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Overview</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our primary ongoing cash requirements are for seasonal and new
store inventory purchases, capital expenditures in connection
with our expansion, the remodeling of existing stores and
infrastructure growth. We have historically funded our
expenditures with cash flows from operations and borrowings
under the Value
</DIV>

<P align="center" style="font-size: 10pt;">43
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<DIV align="left" style="font-size: 10pt;">
City credit facilities to which we have been a party, as
described below. Our working capital and inventory levels
typically build seasonally. We believe that we will be able to
continue to fund our operating requirements and the expansion of
our business pursuant to our growth strategy in the future with
cash flows from operations and borrowings under the new DSW
secured revolving credit facility we are entering into in
connection with the separation of the DSW business from Retail
Ventures, although we can give no assurance in this regard.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>The DSW Separation</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering,
Retail Ventures expects to amend or terminate the existing
credit facilities and other debt obligations of Value City and
its other affiliates, including certain facilities under which
DSW has rights and obligations as a co-borrower and
co-guarantor. For further description of these facilities and
our new secured revolving credit facility, see &#147;Description
of Indebtedness.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Revolving Credit Facility. </I>Until the
amendment and restatement of this revolving credit agreement, we
will continue to be a co-borrower under a Loan and Security
Agreement, as amended, entered into with National City Business
Credit, Inc., or National City, as administrative agent, and the
other parties named therein, originally entered into in June
2002. We, Value City and other Retail Ventures affiliates are
currently named as co-borrowers, and Retail Ventures is a
co-guarantor. The maturity date of the facility is June&nbsp;11,
2006. This revolving credit agreement allows DSW and the other
Value City affiliates named as co-borrowers to draw on a
$425&nbsp;million revolving credit facility, subject to
applicable borrowing base restrictions. All the capital stock of
DSW and DSWSW is pledged to National City, as administrative
agent, in favor of the revolving credit facility lenders. We,
Retail Ventures and the other co-borrowers and guarantors named
therein are jointly and severally liable for all liabilities
incurred under the agreement. We have reflected our direct
obligations under this revolving credit facility as they relate
to borrowings secured by our assets in our historical financial
statements included elsewhere in this prospectus. For additional
information regarding this revolving credit facility, see
&#147;&#151;&nbsp;Financing Activities.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under the Value City revolving credit facility, the borrowing
base formula applicable to DSW has been based on the value of
our inventory and receivables. Primary security for this
revolving credit facility is provided in part by a first
priority lien on all of the inventory and accounts receivable of
DSW and the other co-borrowers thereunder, as well as certain
intercompany notes and payment intangibles. Subject to the
provisions of an intercreditor agreement, this revolving credit
facility also has the substantial equivalent of a second
priority perfected security interest in all the first priority
collateral securing the Value City aggregate $100&nbsp;million
term loans and the Value City $75&nbsp;million convertible loan,
including all of the capital stock of DSW and DSWSW. We are a
co-borrower under this revolving credit facility, and will
remain obligated thereunder until the amendment and restatement
of this revolving credit agreement described below. Interest on
borrowings under this revolving credit facility is calculated at
the bank&#146;s base rate plus 0.0% to 0.5%, or at the LIBOR
rate plus 2.00% to 2.75%, depending upon the level of average
excess availability that DSW and the other co-borrowers maintain.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
At April&nbsp;30, 2005 and January&nbsp;29, 2005,
$225.0&nbsp;million and $108.5&nbsp;million was available,
respectively, under this revolving credit facility. Direct
borrowings by us aggregated $40.0&nbsp;million and
$55.0&nbsp;million as of April&nbsp;30, 2005 and
January&nbsp;29, 2005, respectively, while $8.1&nbsp;million and
$14.9&nbsp;million letters of credit were issued and outstanding
as of April&nbsp;30, 2005 and January&nbsp;29, 2005,
respectively.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering,
Retail Ventures and its affiliates will amend and restate the
revolving credit agreement, and we will be released from our
obligations thereunder. In addition, National City will release
its liens on the shares of our capital stock held by Retail
Ventures and the capital stock of DSWSW held by us. Leasehold
mortgages granted by DSW and DSWSW in 2002 to secure obligations
under the revolving credit agreement, as well as the Value City
term loan facility and subordinated convertible loan facility,
will also be released.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Our New Secured Revolving Credit Facility.</I> Simultaneously
with the amendment and restatement of the Value City revolving
credit facility, DSW expects to enter into a new
$150&nbsp;million secured revolving credit
</DIV>

<P align="center" style="font-size: 10pt;">44

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<DIV align="left" style="font-size: 10pt;">
facility with a term of five years. Under this facility, we
expect that we and our subsidiary, DSWSW, will be named as
co-borrowers. This new DSW facility is expected to have
borrowing base restrictions and will provide for borrowings at
variable interest rates based on LIBOR, the prime rate and the
Federal Funds effective rate, plus a margin. Our obligations
under our new secured revolving credit facility will be secured
by a lien on substantially all of our and our subsidiary&#146;s
personal property and a pledge of our shares of DSWSW. In
addition, our new secured revolving credit facility will contain
usual and customary restrictive covenants relating to our
management and the operation of our business. These covenants
will, among other things, restrict our ability to grant liens on
our assets, incur additional indebtedness, open or close stores,
pay cash dividends and redeem our stock, enter into transactions
with affiliates and merge or consolidate with another entity. In
addition, if at any time we utilize over 90% of our borrowing
capacity under this facility, we must comply with a fixed charge
coverage ratio test set forth in the facility documents.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Term Loan Facility. </I>Until the amendment of
this term loan agreement, we will continue to be a co-borrower
under a Financing Agreement, as amended, among Cerberus, as
agent, and other parties named therein, originally entered into
in June 2002. Under the terms of this term loan agreement,
Cerberus and SSC each provided to us, Value City and other
Retail Ventures affiliates a separate $50&nbsp;million
three-year term loan comprised of two tranches. Retail Ventures
is named as a co-guarantor. In July 2004, the maturity date of
these loans was extended until June&nbsp;11, 2006. In connection
with the second tranche of these loans, Retail Ventures issued
to each of Cerberus and SSC warrants to purchase 1,477,396
common shares of Retail Ventures at a purchase price of $4.50
per share, subject to adjustment. In September 2002, Back Bay
bought from each of Cerberus and SSC a $1.5&nbsp;million
interest in each of the tranches of their term loans for an
aggregate $6.0&nbsp;million interest, and Back Bay received from
each of Cerberus and SSC a corresponding portion of the warrants
to purchase Retail Ventures common shares originally issued in
connection with the second tranche of their term loans. All the
capital stock of DSW and DSWSW is pledged to Cerberus, as agent,
in favor of SSC, Cerberus and Back Bay. As a co-borrower, we are
jointly and severally liable for the performance and payment of
obligations under this financing agreement; however, this
indebtedness has not been reflected in our historical financial
statements included elsewhere in this prospectus as it is
recorded on the books of Retail Ventures.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering, we
expect to be released from our obligations as a co-borrower
pursuant to the amendment of this term loan agreement. We have
been advised by Retail Ventures that Value City expects to repay
all the term loan indebtedness on or about the date of the
consummation of this offering. In connection with the amendment
of this term loan agreement, Retail Ventures has agreed to amend
the outstanding warrants to provide SSC, Cerberus and Back Bay
the right, from time to time, in whole or in part, to
(i)&nbsp;acquire Retail Ventures common shares at the then
current conversion price (subject to the existing anti-dilution
provisions), (ii)&nbsp;acquire from Retail Ventures Class&nbsp;A
Common Shares of DSW at an exercise price per share equal to the
price of shares sold to the public in this offering (subject to
anti-dilution provisions similar to those in the existing
warrants), or (iii)&nbsp;acquire a combination thereof.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Assuming an exercise price per share of $16.00, or the midpoint
of the range set forth on the cover page of this prospectus, SSC
and Cerberus would each receive 390,586 Class&nbsp;A Common
Shares, and Back Bay would receive 49,862 Class&nbsp;A Common
Shares, if they exercised those warrants in full exclusively for
DSW Common Shares. These warrants expire in June 2012. Although
Retail Ventures does not intend or plan to undertake a spin-off
of Common Shares to Retail Ventures shareholders, in the event
that Retail Ventures effects a spin-off of its DSW Common Shares
to its shareholders in the future, the holders of outstanding
unexercised warrants will receive the same number of
DSW&nbsp;Common Shares that they would have received had they
exercised their warrants in full for Retail Ventures common
shares immediately prior to the record date of the spin-off,
without regard to any limitation on exercise contained in the
warrants. Following the completion of any such spin-off, the
warrants will be exercisable solely for Retail Ventures common
shares.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the consummation of this offering, we will enter into
an exchange agreement with Retail Ventures whereby, upon the
request of Retail Ventures, we will be required to exchange some
or all of the Class&nbsp;B Common Shares held by Retail Ventures
for Class&nbsp;A Common Shares. SSC and Cerberus have the right
to require that we register for resale in specified
circumstances the Class&nbsp;A Common Shares issued to
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">45

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<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt;">
them upon exercise of their warrants, and each of these entities
and Back Bay will be entitled to participate in the
registrations initiated by the other entities. Our failure to
perform our obligations under the registration rights agreement
relating to these shares would result in an event of default
under the Value City senior subordinated convertible loan
facility, as amended. See &#147;Certain Relationships and
Related Party Transactions&nbsp;&#151; Relationships Between our
Company and Retail Ventures&nbsp;&#151; Agreements Relating to
our Separation from Retail Ventures&nbsp;&#151; Exchange
Agreement&#148; and &#147;Shares Eligible for Future
Sale&nbsp;&#151; Registration Rights.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Senior Subordinated Convertible Loan
Facility.</I> Until the amendment and restatement of this
convertible loan agreement, we will continue to be a
co-guarantor under an Amended and Restated Senior Subordinated
Convertible Loan Agreement, as amended, entered into with
Cerberus, as agent and lender, SSC, as lender, and the other
parties named therein, originally entered into in June 2002.
Under this agreement, SSC initially provided a $75&nbsp;million
loan, now held equally by SSC and Cerberus, to Value City, as
borrower, which is convertible at the option of the lenders into
common shares of Retail Ventures at an initial conversion price
of $4.50 per share. All the capital stock of DSW and DSWSW is
pledged to Cerberus, as agent, in favor of Cerberus and SSC.
Retail Ventures is a co-guarantor under this convertible loan
agreement, and the maturity date of this convertible loan is
June&nbsp;10, 2009. This indebtedness has not been reflected in
our historical financial statements included elsewhere in this
prospectus as it is recorded on the books of Retail Ventures.
This indebtedness originated as a $75&nbsp;million loan made to
Value City by an institutional lender in March 2000, which was
assigned to SSC in December 2000.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering, we
expect to be released from our obligations as a co-guarantor
pursuant to the amendment and restatement of this agreement. We
have been advised by Retail Ventures that Value City expects to
repay $25.0&nbsp;million of this facility on or about the date
of the consummation of this offering. The $75&nbsp;million
convertible loan will be converted into a non-convertible loan,
and the capital stock of DSW held by Retail Ventures will
continue to secure the amended loan facility. In addition, in
connection with the amendment and restatement of this
convertible loan agreement, Retail Ventures has agreed to issue
to SSC and Cerberus convertible warrants which will be
exercisable from time to time until the later of June&nbsp;11,
2007 and the repayment in full of Value City&#146;s obligations
under the amended and restated loan agreement.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under the convertible warrants, SSC and Cerberus will have the
right, from time to time, in whole or in part, to
(i)&nbsp;acquire Retail Ventures common shares at the conversion
price referred to in the convertible loan (subject to existing
anti-dilution provisions), (ii)&nbsp;acquire from Retail
Ventures Class&nbsp;A Common Shares of DSW at an exercise price
per share equal to the price of the shares sold to the public in
this offering (subject to anti-dilution provisions similar to
those in the existing warrants) or (iii)&nbsp;acquire a
combination thereof. Although Retail Ventures does not intend or
plan to undertake a spin-off of Common Shares to Retail Ventures
shareholders, in the event that Retail Ventures effects a
spin-off of its DSW Common Shares to its shareholders in the
future, the holders of outstanding unexercised warrants will
receive the same number of DSW&nbsp;Common Shares that they
would have received had they exercised their warrants in full
for Retail Ventures common shares immediately prior to the
record date of the spin-off, without regard to any limitation on
exercise contained in the warrants. Following the completion of
any such spin-off, the warrants will be exercisable solely for
Retail Ventures common shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
SSC and Cerberus may acquire, upon exercise of the warrants in
full, an aggregate number of Class&nbsp;A Common Shares of DSW
from Retail Ventures which, at the price of shares sold in this
offering, have a value equal to $75&nbsp;million. Assuming an
exercise price per share of $16.00, or the midpoint of the range
set forth on the cover page of this prospectus, SSC and Cerberus
would each receive 2,343,750 Class&nbsp;A Common Shares if they
exercised these warrants exclusively for DSW Common Shares.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the consummation of this offering, we will enter into
an exchange agreement with Retail Ventures whereby, upon the
request of Retail Ventures, we will be required to exchange some
or all of the Class&nbsp;B Common Shares held by Retail Ventures
for Class&nbsp;A Common Shares. SSC and Cerberus have the right
to require that we register for resale in specified
circumstances the Class&nbsp;A Common Shares issued to them upon
exercise of their warrants. Our failure to perform our
obligations under the registration rights agreement relating to
these shares would result in an event of default under the Value
City senior
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">46

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<DIV align="left" style="font-size: 10pt;">
subordinated convertible loan facility, as amended. See
&#147;Certain Relationships and Related Party
Transactions&nbsp;&#151; Relationships Between our Company and
Retail Ventures&nbsp;&#151; Agreements Relating to our
Separation from Retail Ventures&nbsp;&#151; Exchange
Agreement&#148; and &#147;Shares Eligible for Future
Sales&nbsp;&#151; Registration Rights.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Value City Intercompany Note. </I>The capital stock of DSW
held by Retail Ventures will continue to secure the
$240&nbsp;million Value City intercompany note made payable by
Retail Ventures to Value City, which was executed and delivered
on January&nbsp;1, 2005 in connection with the transfer of all
the capital stock of DSW and Filene&#146;s Basement by Value
City to Retail Ventures on that date. The lien granted to Value
City on the DSW capital stock held by Retail Ventures will be
released upon written notice that warrants held by Cerberus, SSC
and Back Bay are to be exercised in exchange for DSW capital
stock held by Retail Ventures and to be delivered by Retail
Ventures upon the exercise of such warrants. The lien will also
be released upon repayment of the note in full.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Cross-Corporate Guarantees. </I>We have entered into
cross-corporate guarantees with various financing institutions
pursuant to which we, Retail Ventures, Filene&#146;s Basement
and Value City, jointly and severally, guarantee payment
obligations owed to these entities under factoring arrangements
they have entered into with vendors who may provide merchandise
to some or all of Retail Ventures&#146; subsidiaries. We may be
released from any prospective liability under the guarantees at
any time. Upon release, our potential liability would be limited
to the then outstanding amount under the canceled guarantee. We
will terminate these cross-corporate guarantees on or about the
date of the consummation of this offering. The outstanding
balance of our potential liability as of May&nbsp;30, 2005 was
$36.2&nbsp;million, and we do not expect this amount to change
significantly prior to the consummation of this offering. After
the guarantees are cancelled, the outstanding balance will
decrease to zero over a period of approximately 90&nbsp;days as
payments are made in the ordinary course of business.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Operating Activities</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
For the thirteen week period ended April&nbsp;30, 2005, our net
cash provided by operations was $26.1&nbsp;million, compared to
$2.2&nbsp;million for the thirteen week period ended May&nbsp;1,
2004. Net working capital increased $27.8&nbsp;million to
$151.7&nbsp;million at April&nbsp;30, 2005 from
$123.9&nbsp;million at May&nbsp;1, 2004, primarily due to
increased investing with respect to new DSW stores and new
leased shoe departments opened in fiscal 2005. Current assets
divided by current liabilities at those dates were 2.2 and 2.6,
respectively.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net cash provided by operating activities during the thirteen
week period ended April&nbsp;30, 2005 reflects several causes,
primarily the increase in accounts payable of $9.9&nbsp;million,
a reduction in the advances to affiliates of $24.3&nbsp;million
and the increase in accrued expenses of $6.8&nbsp;million,
partially offset by the increase in inventory of
$20.1&nbsp;million.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net cash provided by operations in fiscal 2004 was
$15.7&nbsp;million, compared to $45.1&nbsp;million for fiscal
2003. Net working capital increased $35.7&nbsp;million to
$138.9&nbsp;million at January&nbsp;29, 2005 from
$103.2&nbsp;million at January&nbsp;31, 2004. Current assets
divided by current liabilities at those dates were 2.3 and 2.4,
respectively.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The $15.7&nbsp;million net cash provided by operations during
fiscal 2004 reflects several causes. Net cash was used to
increase inventory by $58.0&nbsp;million, increase deferred
income taxes by $7.8&nbsp;million and increase advances to
affiliates by $22.2&nbsp;million. Net cash was provided by
operations, an increase in accrued expenses of
$15.0&nbsp;million and an increase in accounts payable of
$19.9&nbsp;million.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net cash provided by operating activities totaled
$45.1&nbsp;million in fiscal 2003 while operating activities
used $30.8&nbsp;million in fiscal 2002. The net cash change
reflects several causes, primarily the increase in inventory of
$8.9 million, the decrease in accounts payable of
$9.0&nbsp;million and the decrease in advances to affiliates of
$20.6&nbsp;million, which were funded from operations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We operate all our stores, warehouses and corporate office space
from leased facilities. Lease obligations are accounted for
either as operating leases or as capital leases. We disclose in
the notes to the financial statements included elsewhere in this
prospectus the minimum payments due under operating or capital
leases.
</DIV>

<P align="center" style="font-size: 10pt;">47
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<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Investing Activities</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
For the thirteen week period ended April&nbsp;30, 2005, our cash
used in investing activities amounted to $5.6&nbsp;million
compared to $7.3&nbsp;million for the corresponding period of
fiscal 2004. For the thirteen week period ended April&nbsp;30,
2005, and in each fiscal year from fiscal 2002 through fiscal
2004, our cash used in investing activities consisted of capital
expenditures. Cash used for capital expenditures was
$34.3&nbsp;million, $22.3&nbsp;million and $23.1&nbsp;million
for fiscal 2004, fiscal 2003 and fiscal 2002, respectively.
Capital expenditures were related primarily to new stores.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our future capital expenditures will depend primarily on the
number of new stores we open, the number of existing stores we
remodel and the timing of these expenditures. In fiscal 2004, we
opened 31 new DSW stores and closed one DSW store. We plan to
open approximately 30&nbsp;stores per year in each fiscal year
from fiscal 2005 through fiscal 2009. During fiscal 2004, the
average investment required to open a typical new DSW store was
approximately $1.7&nbsp;million. Of this amount, gross inventory
typically accounted for $880,000, fixtures and leasehold
improvements typically accounted for $600,000 (prior to tenant
allowances) and pre-opening advertising and other pre-opening
expenses typically accounted for $250,000. We plan to finance
investment in new stores with cash flows from operating
activities and by drawing from our new $150&nbsp;million secured
revolving credit facility when necessary.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Financing Activities</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
For the thirteen week period ended April&nbsp;30, 2005, our net
cash used in financing activities was $15.1&nbsp;million,
compared to $9.9&nbsp;million provided by financing activities
for the corresponding period in fiscal 2004. In fiscal 2004, our
net cash provided by financing activities was $19.9&nbsp;million
compared to net cash used by financing activities of
$19.2&nbsp;million in fiscal 2003. The primary source of
financing funds is the Value City revolving credit facility.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net cash used by financing activities was $19.2&nbsp;million in
fiscal 2003 and was primarily attributable to the net decrease
in borrowing under the Value City revolving credit facility of
$19.0&nbsp;million. Net cash provided by financing activities in
fiscal 2002 was $52.4&nbsp;million. The primary source of
financing funds was the net increase in the Value City revolving
credit facility of $54.0&nbsp;million, which was partially
offset by debt issuance costs of $1.4&nbsp;million. For a
discussion of the terms of the Value City revolving credit
facility and the expected $150&nbsp;million secured revolving
credit facility of DSW, see &#147;&#151;&nbsp;The DSW
Separation.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Contractual and Operating Lease Obligations</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have the following minimum commitments under contractual
obligations, as defined by the SEC. A &#147;purchase
obligation&#148; is defined as an agreement to purchase goods or
services that is enforceable and legally binding on us and that
specifies all significant terms, including: fixed or minimum
quantities to be purchased, fixed, minimum or variable price
provisions; and the approximate timing of the transaction. Other
long-term liabilities are defined as long-term liabilities that
are reflected on our balance sheet in accordance with GAAP.
Based on this definition, the tables below include only those
contracts which include fixed or minimum obligations. It does
not include normal purchases, which are made in the ordinary
course of business.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following table provides aggregated information about
contractual obligations and other long-term liabilities as of
January&nbsp;29, 2005:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Contractual Obligations</B>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="34%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="22" align="center" nowrap><B>Payments due by period</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="22" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="19">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>No</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Less than</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>More than</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Expiration</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Total</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>1&nbsp;year</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>1-3&nbsp;years</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>3-5&nbsp;years</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>5&nbsp;years</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Date</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="22" align="center" nowrap><B>(dollars in thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Long-term
    debt<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>55,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>55,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Operating lease
    obligations<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>786,611</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>81,496</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>167,184</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>160,170</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>377,761</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Construction
    commitments<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,035</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,035</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Purchase
    obligations<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,160</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,794</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,246</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>120</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>845,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>84,325</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>223,430</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>160,290</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>377,761</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    On or about the date of this offering, we expect to be released
    from our obligations under the Value City revolving credit
    facility, the Value City term loan facility and the Value City
    senior subordinated convertible loan facility. Simultaneously,
    we expect to enter into a new $150&nbsp;million secured
    revolving credit facility.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    Our operating leases require us to pay for common area
    maintenance costs and real estate taxes. In fiscal 2004, these
    common area maintenance costs and real estate taxes represented
    25.6% of our required lease payments. These costs and taxes vary
    year by year and are based almost entirely on actual costs
    incurred and taxes paid incurred by the landlord. As such, they
    are not included in the lease obligations presented above.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    Construction commitments include capital items to be purchased
    for projects that were under construction, or for which a lease
    had been signed, as of January&nbsp;29, 2005.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(4)&nbsp;</TD>
    <TD align="left">
    Many of our purchase obligations are cancelable by us without
    payment or penalty, and we have excluded such obligations, along
    with all associate employment and intercompany obligations.</TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;
We had outstanding letters of credit that totaled approximately
$14.9&nbsp;million at January&nbsp;29, 2005 and
$8.1&nbsp;million at April&nbsp;30, 2005. If certain conditions
are met under these arrangements, we would be required to
satisfy the obligations in cash. Due to the nature of these
arrangements and based on historical experience, we do not
expect to make any significant payment outside of terms set
forth in these arrangements.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, we have entered into various
construction commitments, including capital items to be
purchased for projects that were under construction, or for
which a lease has been signed. Our obligations under these
commitments aggregated to approximately $0.3&nbsp;million as of
April&nbsp;30, 2005. In addition, we have signed lease
agreements for new store locations with annual rent of
approximately $9.3&nbsp;million. In connection with the new
lease agreements, we will receive approximately
$7.6&nbsp;million of tenant allowances, which will reimburse us
for expenditures at these locations.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In March 2005, we incurred intercompany indebtedness to fund a
$165.0&nbsp;million dividend to Retail Ventures. The
indebtedness is evidenced by a note which is scheduled to mature
in March 2020 and bears interest at a rate equal to LIBOR plus
850&nbsp;basis points per year. Interest is payable quarterly in
arrears commencing on June&nbsp;30, 2005. Our obligations under
the note are guaranteed by our subsidiary. We expect to exercise
our right to prepay the note with the net proceeds of this
offering.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In May 2005, we incurred intercompany indebtedness to fund a
$25.0&nbsp;million dividend to Retail Ventures. The indebtedness
is evidenced by a note which is scheduled to mature in May 2020
and bears interest at a rate equal to LIBOR plus 950&nbsp;basis
points per year. Interest is payable quarterly in arrears
commencing on June&nbsp;30, 2005. Our obligations under the note
are guaranteed by our subsidiary. We expect to exercise our
right to prepay the note with the net proceeds of this offering.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Recent Accounting Pronouncements</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In January 2003, the FASB issued Financial Interpretation
No.&nbsp;46, <I>Consolidation of Variable Interest Entities
</I>(&#147;FIN&nbsp;46&#148;), which requires the consolidation
of certain entities considered to be variable interest
</DIV>

<P align="center" style="font-size: 10pt;">49

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<DIV align="left" style="font-size: 10pt;">
entities (&#147;VIEs&#148;). An entity is considered to be a VIE
when it has equity investors who do not have a controlling
financial interest, or its capital is insufficient to permit it
to finance its activities without additional subordinated
financial support. Consolidation of a VIE by an investor is
required when it is determined that the investor will absorb a
majority of the VIE&#146;s expected losses or residual returns
if they occur. FIN&nbsp;46 provides several exceptions to these
rules, relating to qualifying special purpose entities
(&#147;QSPEs&#148;) subject to the requirements of SFAS
No.&nbsp;140. Upon its original issuance, FIN&nbsp;46 required
that VIEs created after January&nbsp;31, 2003 would be
consolidated immediately, while VIEs created prior to
February&nbsp;1, 2003 were to be consolidated as of July&nbsp;1,
2003.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In October 2003, the FASB deferred the effective date for
consolidation of VIEs created prior to February&nbsp;1, 2003 to
December&nbsp;31, 2003 for calendar year-end companies, with
earlier application encouraged.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In December 2003, the FASB published a revision to FIN&nbsp;46
(&#147;FIN&nbsp;46R&#148;) to clarify some of the provisions of
the original interpretation and to exempt certain entities from
its requirements. FIN&nbsp;46R provides special effective date
provisions to enterprises that fully or partially applied
FIN&nbsp;46 prior to the issuance of the revised interpretation.
In particular, entities that have already adopted FIN&nbsp;46
are not required to adopt FIN&nbsp;46R until the quarterly
reporting period ended May&nbsp;1, 2004. Adoption of the
required sections of FIN&nbsp;46, as modified and interpreted,
including the provisions of FIN&nbsp;46R, did not have any
effect on our financial statements or disclosures.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In May 2003, the FASB issued SFAS No.&nbsp;150, <I>Accounting
for Certain Financial Instruments with Characteristics of both
Liabilities and Equity</I>. SFAS No.&nbsp;150 requires that an
issuer classify a financial instrument that is within its scope
as a liability (or an asset in some circumstances), many of
which were previously classified as equity. This statement is
effective for financial instruments entered into or modified
after May&nbsp;31, 2003 and for pre-existing instruments as of
the beginning of the first interim period beginning after
June&nbsp;15, 2003. Initial adoption of this accounting
pronouncement did not have a material impact on our financial
statements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The FASB&#146;s Emerging Issues Task Force (&#147;EITF&#148;)
Issue No.&nbsp;02-16, <I>Accounting By A Customer (Including A
Reseller) For Cash Consideration Received From A Vendor</I>,
addressed the accounting treatment for vendor allowances. The
adoption of EITF Issue No.&nbsp;02-16 in 2003 did not have a
material impact on our financial position or results of
operations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In December 2004, the FASB issued SFAS No.&nbsp;123 (revised
2004) (&#147;SFAS No. 123R&#148;), <I>Share-Based Payment</I>.
This statement revised SFAS No.&nbsp;123, <I>Accounting for
Stock-Based Compensation</I>, and requires companies to expense
the value of employee stock options and similar awards. The
effective date of this standard is interim and annual periods
beginning after June&nbsp;15, 2005. No stock options or similar
awards have been granted by the Company as of fiscal years 2004
and 2003. Thus, SFAS No.&nbsp;123R has had no impact on us.
However, any future stock options and similar awards would need
to be valued and expensed in accordance with SFAS No.&nbsp;123R.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In April 2005, the SEC delayed the compliance date for
SFAS&nbsp;123R until the beginning of our fiscal year 2006.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Off-Balance Sheet Arrangements</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
It is not our intention to participate in transactions that
generate relationships with unconsolidated entities or financial
partnerships, such as special purpose entities or variable
interest entities, which would facilitate off-balance sheet
arrangements or other limited purposes. We have not entered into
any &#147;off-balance sheet&#148; arrangements, as that term is
described by the SEC, as of April&nbsp;30, 2005.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Quantitative and Qualitative Disclosures About Market Risk</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have been exposed to market risk from changes in interest
rates, which may adversely affect our financial condition,
results of operations and cash flows. In seeking to minimize the
risks from interest rate fluctuations, we manage exposures
through our regular operating and financing activities and, when
deemed
</DIV>

<P align="center" style="font-size: 10pt;">50

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<DIV align="left" style="font-size: 10pt;">
appropriate, through the use of derivative financial
instruments. We do not use financial instruments for trading or
other speculative purposes and are not party to any leveraged
financial instruments.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We are exposed to interest rate risk primarily through our
borrowings under the Value City revolving credit facility. At
April&nbsp;30, 2005, our direct borrowings under this facility
aggregated $40.0&nbsp;million. Our new secured revolving credit
facility will permit debt commitments up to $150&nbsp;million,
includes a letter of credit facility, extends for a term of five
years, and will provide for borrowings at variable interest
rates. We have historically used interest rate swap agreements
to effectively establish long-term fixed rates on borrowings
under the Value City revolving credit facility, thus reducing a
portion of our interest rate risk. These swap agreements, which
are designated as cash flow hedges, involve the receipt of
variable rate amounts in exchange for fixed rate interest
payments over the life of the agreements. At April&nbsp;30,
2005, we had no outstanding swap agreements.
</DIV>

<DIV align="left"><FONT size="1">

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A hypothetical 100 basis point increase in the interest rate of
the debt outstanding under the Value City revolving credit
facility for the thirteen week period ended April&nbsp;30, 2005,
net of income taxes, would have had an approximate
$0.1&nbsp;million impact on our results of operations for such
period.
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<B>Inflation</B>
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Our results of our operations and financial condition are
presented based upon historical cost. While it is difficult to
accurately measure the impact of inflation because of the nature
of the estimates required, management believes that the effect
of inflation, if any, on our results of operations and financial
condition has been minor; however, there can be no assurance
that the business will not be affected by inflation in the
future.
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<B>BUSINESS</B>
</DIV>

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<B>Company Overview</B>
</DIV>

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DSW is a leading U.S. specialty branded footwear retailer
operating 177&nbsp;shoe stores in 32&nbsp;states as of
April&nbsp;30, 2005. We offer a wide selection of brand name and
designer dress, casual and athletic footwear for women and men.
Our typical customers are brand-, quality- and style-conscious
shoppers who have a passion for footwear and accessories. Our
core focus is to create a distinctive store experience that
satisfies both the rational and emotional shopping needs of our
customers by offering them a vast, exciting selection of
in-season styles combined with the convenience and value they
desire. We believe this combination of selection, convenience
and value differentiates us from our competitors and appeals to
consumers from a broad range of socioeconomic and demographic
backgrounds.
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Since its inception, DSW has evolved into a distinctive,
consumer-friendly retail concept that allows customers to
personalize their shopping experience by offering a &#147;sea of
shoes&#148; that are accessible, easy-to-shop, and fulfill a
broad range of style and fashion desires. We cater to customers
who take pleasure in the &#147;thrill of the hunt&#148; for the
perfect shoe and value the shopping experience itself as an
enjoyable pastime. Typical DSW stores are approximately 25,000
square feet, with over 85% of total square footage used as
selling space. Over 30,000 pairs of shoes in more than 2,000
styles are displayed on the selling floor of most of our stores,
compared to a significantly smaller product offering at typical
department stores. Our stores feature self-service fixtures that
allow customers to view, touch, and try on the product without
relying on salespeople to check availability. Our locations have
clear signage, and well-trained sales associates are available
to assist customers as desired. New footwear merchandise is
organized by style on the main floor, and clearance goods are
organized by size in the rear of the store. Accessories and
impulse items are featured at the front. The store layout allows
customers who do not have time for relaxed browsing to swiftly
identify the shoe styles they are seeking and shop in a
targeted, time-efficient manner.
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Our goal is to further strengthen our position as a leading
specialty branded footwear retailer in the United States. In
fiscal 2004, we generated $961.1&nbsp;million in net sales and
$56.1&nbsp;million in operating profit. During the same period,
we sold over 23.7&nbsp;million pairs of shoes. Over the
five-fiscal-year period ended January&nbsp;29, 2005, we have
grown our DSW store base, net sales and operating profit at
compound annual rates of 24.3%, 31.3% and 48.9%, respectively.
See &#147;Management&#146;s Discussion and Analysis of Financial
Condition and Results of Operations&#148; and our historical
consolidated financial statements and the notes thereto.
</DIV>

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<B>Corporate History</B>
</DIV>

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We were incorporated on January&nbsp;20, 1969 and opened our
first DSW store in Dublin, Ohio in July 1991. In 1998, Value
City Department Stores, Inc., which subsequently became a
wholly-owned subsidiary of Retail Ventures, Inc., purchased DSW
and affiliated shoe businesses from SSC and Nacht Management,
Inc. In December 2004, Retail Ventures carried out a corporate
reorganization whereby Value City Department Stores, Inc., a
wholly-owned subsidiary of Retail Ventures, merged with and into
Value City, another wholly-owned subsidiary of Retail Ventures.
In turn, Value City transferred all the issued and outstanding
shares of DSW to Retail Ventures in exchange for a promissory
note. In February 2005, we changed our name from Shonac
Corporation to DSW Inc. Since our change in ownership in 1998,
we have accelerated our profitable expansion by investing in new
stores, merchandise development, technology and our people to
support further growth and enhance our performance.
</DIV>

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<B>Competitive Strengths</B>
</DIV>

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We believe that our leading market position is driven by our
competitive strengths&nbsp;&#151; the breadth of our branded
product offerings, our distinctive and convenient store layout,
the value proposition offered to our customers and our
demonstrated ability to deliver profitable growth on a
consistent basis. Over the past few years, we have broadened our
merchandise assortment, honed our retail operating model and
continued our dedication to providing first-rate quality
products at attractive prices. We believe that we will continue
to improve our ability to leverage these competitive strengths
and to attract and retain talented managers and merchandisers.
</DIV>

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    <B><I>The Breadth of Our Product Offerings</I></B></TD>
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Our goal is to excite our customers with a &#147;sea of
shoes&#148; that fulfill a broad range of style and fashion
needs. We believe that our typical store offers the largest
selection of brand name and designer merchandise of any footwear
retailer or typical department store in the nation. We carry
primarily in-season footwear found in specialty and department
stores and branded make-ups (shoes made exclusively for a
retailer), with selection at each store geared toward the
particular demographics of the location. A typical DSW store
carries approximately 30,000 pairs of shoes in over 2,000 styles
compared to a significantly smaller product offering at typical
department stores. We also offer a complementary selection of
handbags, hosiery and other accessories which appeal to our
brand- and fashion-conscious customers.
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Our strategy is designed to ensure that a broad and consistent
selection of merchandise is available at all times. We keep
merchandise fresh by receiving new shipments at least weekly and
by trying to ensure that new items are on the selling floor
within 24 hours of delivery. Our goal is to provide our
customers with the benefits of what we refer to as &#147;trip
assurance&#148;&nbsp;&#151; offering a wide selection of
in-season branded merchandise every day that increases our
customers&#146; likelihood of finding the right shoe at the
right price each time they visit our stores. The continual
turnover of new merchandise encourages customers to visit often
and see the new styles that arrive each week.
</DIV>

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We continually strive to improve the quality and breadth of our
vendor relationships. We primarily purchase in-season
merchandise directly from more than 300 domestic and foreign
vendors. Our buyers have established strong, mutually beneficial
relationships with vendors that view DSW as a significant
distribution channel for their branded offerings. Our suppliers
consider us to be an attractive retail channel due to both the
scale and geographic reach of our store base and our willingness
to buy merchandise across a broad selection of styles. The
quality of our vendor relationships allows us to secure an
extensive assortment of in-season merchandise and distinguishes
us from other shoe retailers.
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    <B><I>Our Distinctive and Convenient Store Layout</I></B></TD>
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We provide our customers with the highest level of convenience
based on our belief that customers should be empowered to
control and personalize their shopping experiences. Our store
layout and visual merchandising techniques provide the most
convenient shopping process, regardless of the type of
shoe-buying experience our customers desire on a particular trip.
</DIV>

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<I>Thrill of the Hunt. </I>We cater to the passionate shoe
enthusiast and indulge customers who love to shop. Customers
take pleasure in the &#147;thrill of the hunt&#148; as they scan
our wide product offering in search of the products that best
suit their needs. All our merchandise is displayed on the
selling floor with self-service fixtures to enable customers to
view and touch the merchandise. We believe this self-service
aspect provides our customers with maximum convenience as they
are able to browse and try on the merchandise without feeling
rushed or pressured into making a decision too quickly.
Therefore, customers are able to shop at their own pace as they
savor the thrill and enjoyment of indulging their passion for
shoes. Although all DSW stores are designed for self-service
shopping, sales associates are available to help customers
locate merchandise and to assist as needed.
</DIV>

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<I>Easy Shopping Experience. </I>DSW also caters to shoppers who
are time-constrained and come to our stores knowing exactly what
they want. Our wide selection ensures that they are more likely
to find styles and sizes they are seeking at DSW than at other
shoe retailers, thereby minimizing the risk of leaving
empty-handed. The stores are also creatively designed for an
efficient shopping experience. Our self-service concept empowers
our customers to shop quickly and easily because they do not
have to rely on a salesperson to check for sizes and styles.
Typical DSW stores are approximately 25,000 square feet, with
over 85% of total square footage used as selling space. We
organize most of our stores on a single level, which allows
customers to view the entire store and product offering as they
enter and move quickly to the area where their desired styles
are located. Interiors are well-lit, with informative signage,
and spacious aisles allow ease of movement throughout the store.
We display shoes in a logical manner that groups together
similar styles such as dress, casual, seasonal and athletic
merchandise. Clearance shoes are grouped by size and displayed
on racks in the rear of the store. Of the 177&nbsp;DSW stores
open as of April&nbsp;30, 2005, 145 are either freestanding
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or located in shopping centers, which provide customers with
direct access to parking, and the remainder are in shopping
malls or downtown locations. For added convenience, we provide a
centralized check-out, which aids customers in quickly locating
the cashier for efficient processing.
</DIV>

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    <B><I>The Value Proposition Offered to Our Customers</I></B></TD>
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Through our buying organization, we are able to provide our
customers with high-quality, in-season fashions at prices that
we believe are competitive with the typical sale price found at
specialty retailers and department stores. We employ a
consistent pricing strategy that typically provides our
customers with the same price on our merchandise from the day it
is received until it goes into our planned clearance rotation.
Our pricing strategy differentiates us from our competitors who
usually price and promote merchandise at discounts available
only for limited time periods. We find that customers appreciate
having the power to shop for value when it is most convenient
for them, rather than waiting for a department store or
specialty retailer to have a sale event. For easy comparison by
our customers, we prominently display our price and the
corresponding vendor&#146;s suggested retail price for each pair
of shoes.
</DIV>

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Our graduated, self-liquidating clearance process automatically
moves shoes to large clearance racks located in the rear of the
store when only a few pairs remain. Because this system also
applies to our fastest-moving merchandise, some of our shoppers
benefit from steep price reductions on our most popular items.
We have also successfully tested &#147;extreme clearance,&#148;
a system that is productive in high-traffic locations and
incorporates greater price reductions on clearance merchandise.
This system provides more floor space for new merchandise at a
faster rate.
</DIV>

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We believe that customers value our pricing strategy as it
provides them with what we refer to as &#147;value
assurance&#148;&nbsp;&#151; knowing that no matter when our
customers shop with us, they are typically assured of receiving
our best value price on whatever merchandise they purchase. We
believe our everyday value prices are competitive with the
typical sale price found at most of our competitors. We use the
tagline &#147;The Shoes of the Moment. The Deal of a
Lifetime.&#148; to convey this combination of selection and
value to our customers. During fiscal 2004, the average ticket
price for a pair of shoes (including clearance stock) in a DSW
store was $39.
</DIV>

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In order to provide additional value to shoe enthusiasts and
other regular customers, we developed a customer loyalty program
called &#147;Reward Your Style.&#148; This program offers
additional savings to frequent shoppers and encourages repeat
sales. We target market to &#147;Reward Your Style&#148; members
throughout the year. We classify these members by frequency and
use direct mail and on-line communication to stimulate further
sales and traffic. As of January&nbsp;29, 2005, over
5.5&nbsp;million members enrolled in the &#147;Reward Your
Style&#148; loyalty program had purchased merchandise in the
previous two fiscal years, up from approximately
4.5&nbsp;million members as of January&nbsp;31, 2004. In fiscal
2004, approximately 60.1% of DSW store net sales were generated
by shoppers in the loyalty program, and these shoppers spent an
average of 19% more per purchase than customers who were not
enrolled.
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    <B><I>Demonstrated Ability to Consistently Deliver Profitable
    Growth</I></B></TD>
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Since 1998, we have focused our operating model on selection,
convenience and value. We believe that the profitable growth we
have achieved in the past is attributable to our operating model
and management&#146;s focus on store-level profitability and
economic payback.
</DIV>

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Over the five fiscal years ended January&nbsp;29, 2005, our net
sales and operating profit have grown at compound annual growth
rates of 31.3% and 48.9%, respectively. In addition, for all our
annual new store classes since 1996, we have achieved positive
operating cash flow within two years of opening. We intend to
continue to focus on net sales, operating profit and cash flow
per annual new store class as we pursue our growth strategy.
</DIV>

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<B>Growth Strategy</B>
</DIV>

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We plan to continue to strengthen our position as a leading
specialty branded footwear retailer by pursuing the following
three primary strategies for growth in sales and
profitability&nbsp;&#151; expanding our store base, driving
sales through enhanced merchandising and leveraging our
operating model. For additional information regarding our growth
strategy, see &#147;Management&#146;s Discussion and Analysis of
Financial Condition and Results of Operation&nbsp;&#151;
Overview&nbsp;&#151; Expansion Strategy.&#148;
</DIV>

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    <B><I>Expanding Our Store Base</I></B></TD>
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We believe our specialty retail concept has broad national
appeal and provides substantial opportunity for new store
expansion. Over the five-fiscal-year period ended
January&nbsp;29, 2005, we have rapidly expanded our store base
by opening 115 DSW stores, including 30 new stores in fiscal
2004 (net of one store closing in the same period). We plan to
open approximately 30&nbsp;stores in each fiscal year from
fiscal 2005 through fiscal 2009 and believe that opening stores
at this rate will not compromise our new store economics. As of
April&nbsp;30, 2005, we have opened seven new stores in fiscal
2005 and have signed leases for an additional 22&nbsp;stores and
one store relocation. We plan to open stores both in markets in
which we currently operate and in new markets.
</DIV>

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Based on an internal planning model created in fiscal 2003, we
believe that we have the long-term potential to operate over 400
stores in the United States, including the 177 stores existing
as of April&nbsp;30, 2005. Our internal supportable store
analysis model is used to evaluate potential new DSW store
growth opportunities in both existing and new markets based on
demographic characteristics, current penetration levels,
market-specific real estate assessments and a variety of
subjective adjustments. We may not prepare our internal model on
the same basis, or using similar assumptions, as may be used by
other participants in the retail industry or other third
parties, and the projections of our model may therefore not be
comparable to projections of the models of such other parties.
We periodically evaluate and revise our model based on a number
of factors, including our financial condition, general economic
conditions in the United States, customer demographics, the
penetration of zip codes proximate to existing stores, the
competitive environment and the public&#146;s awareness of our
brand. Because of these numerous variables, our supportable
store projections are subject to change, and the total number of
potential stores is periodically revised as a result of these
changes. No assurance can be given as to whether or when we will
achieve the market penetration targets generated by our model.
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<I>Site selection. </I>In general, our evaluation of potential
new stores focuses on store size, configuration, location and
lease terms. We target high-traffic real estate locations, with
new stores sized as appropriate to fit market potential. An
ideal DSW store is either freestanding on the peripheral road of
a mall, in a power strip center, in a shopping center or in a
high traffic urban shopping zone. We target not only locations
with high traffic and visibility, but also locations near other
large format, category leading retailers, such as Bed Bath &#38;
Beyond, Barnes &#38; Noble and Staples, and we insist on
favorable lease terms. We intend, over time, to cluster our
stores in strategic metropolitan areas to enhance name
recognition, lower average per store advertising costs and
achieve economies of scale in management and distribution.
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<I>New store model. </I>After we approve a site, we negotiate
lease terms and begin planning the store layout and design. We
typically devote between four and six weeks from the time we
take possession of a store to prepare for its opening. During
fiscal 2004 the average investment required to open a new DSW
store was approximately $1.7&nbsp;million per store. Of this
amount, in fiscal 2004, gross inventory typically accounted for
approximately $880,000, fixtures and leasehold improvements
typically accounted for approximately $600,000 (prior to tenant
allowances) and pre-opening advertising and other pre-opening
expenses typically accounted for approximately $250,000. All our
stores are leased or subleased.
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    <B><I>Driving Sales Through Enhanced Merchandising</I></B></TD>
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We intend to increase the number of customer transactions and
average transaction value by continually refining our
merchandise mix. Our merchandising group constantly monitors
current fashion trends as well as historical sales trends to
identify popular styles and styles that may become popular in
the upcoming season.
</DIV>

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We track store performance and sales trends on a weekly basis
and have a flexible incremental buying process that enables us
to order styles frequently throughout each season, in contrast
to department stores, which typically make one large purchase at
the beginning of the season.
</DIV>

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<I>Expanding vendor relationships. </I>We have established
strong vendor relationships that allow us to gain favorable
access to high quality, brand name merchandise at attractive
prices. These favorable relationships also allow us to take
advantage of opportunistic in-season merchandise that may be
offered to us from time to time. We intend to capitalize on the
success of our existing vendor relationships as well as identify
and develop new supply sources, in particular to enhance our
offering of high-end designer brands.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Increasing sales within existing merchandise categories.
</I>In order to further increase sales within our existing
women&#146;s, men&#146;s and athletic shoe categories, we aim to
increase the quality and breadth of existing vendor offerings
and to keep our product mix fresh and on target by continually
testing new fashions and actively monitoring sell-through rates
in our stores. Additionally, we employ marketing initiatives,
including broad advertising campaigns, the &#147;Reward Your
Style&#148; loyalty program and sales of gift cards to encourage
repeat visits and attract new customers.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Extending into new product categories. </I>While shoes are
the main focus of DSW, we believe offering a complementary
assortment of handbags, hosiery and other accessories is an
important driver of profitable sales. We will continue to
explore new, related product categories that we believe could
enhance sales of footwear.
</DIV>

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<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Leveraging Our Operating Model</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As we grow our business and fill in markets to their full
potential, we believe we will continue to improve our
profitability by leveraging our cost structure, particularly in
the areas of advertising, regional management, distribution and
overhead functions. Additionally, we intend to continue
investing in our infrastructure to improve our operating and
financial performance. Most significantly, we believe continued
investment in information systems will enhance our efficiency in
areas such as merchandise planning and allocation, inventory
management, distribution and point of sale functions, among
others.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW Store Locations</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, we operated 177&nbsp;DSW stores in
32&nbsp;states in the United States. The map below shows the
approximate locations of our DSW stores as of April&nbsp;30,
2005:
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<IMG src="x06593a3x0659300.gif" alt="(GEORAPHIC LOCATION MAP)">
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Merchandising</B>
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Strategy</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW stores offer a wide selection of high quality, in-season and
fashion-oriented footwear, handbags and accessories with
everyday prices that we believe are competitive with the typical
sale price found at specialty retailers and department stores.
Our merchandising group continually monitors current fashion
trends, as well as historical sales trends, to identify popular
styles and those that may become popular in the upcoming season.
We believe that our stores offer the largest selection of brand
name and designer merchandise of any footwear retailer or
typical department store in the nation. We primarily carry
in-season footwear found in specialty and department stores and
branded make-ups (shoes made exclusively for a retailer), with
selection at each store geared towards the particular
demographics of the location. A typical DSW store carries over
2,000 shoe styles, compared to a significantly smaller product
offering at typical department stores. Our goal is to offer a
wide selection of on-trend branded merchandise that greatly
increases our customers&#146; likelihood of finding the right
shoe at the right price in one trip.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe our wide selection of merchandise from
moderate-priced brands to higher-end designer goods contributes
to a distinctive shopping experience for our customers.
Particularly, our growing selection of high-end brands
differentiates us from price-oriented retailers and builds
strong customer loyalty. We purchase in-season designer and
branded merchandise both on a planned and opportunistic basis.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the main portion of each of our stores, the shoes are
organized by style in order to highlight the breadth of our
merchandise assortment. However, when only a few pairs of a
style remain, we place those shoes on a clearance rack organized
by size in the rear of the store and reduce their prices
periodically. Our clearance approach has been successful in
creating additional excitement and traffic in the store and in
moving the remaining merchandise quickly. It also creates
available floor space for incoming new styles and a wider
selection of shoes.
</DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Merchandise Mix</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We separate our DSW merchandise into four total categories
&#151; women&#146;s dress and casual footwear; men&#146;s dress
and casual footwear; athletic footwear; and accessories. While
shoes are the main focus of DSW,
</DIV>

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<DIV align="left" style="font-size: 10pt;">
we also offer a complementary assortment of handbags, hosiery
and other accessories. The following table sets forth the
approximate percentage of our sales attributable to each DSW
merchandise category in fiscal 2004:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="72%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="11%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="11%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="left" nowrap><B>Category</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Percent of Net Sales</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Women&#146;s</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>62%</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Men&#146;s</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>18%</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Athletic</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14%</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accessories and Other</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6%</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Buying, Planning and Allocation</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, our merchandising group consists of a
President Chief Merchandising Officer, or President CMO, two
Vice President General Merchandising Managers, a Vice President
Planning and Allocation, a corporate merchandise manager, two
divisional merchandise managers, and three senior buyers. For
each major product category, there is a buyer, an assistant
buyer and a merchandiser, whose responsibility is allocation. We
begin the buying process for our DSW stores in February for the
following fall merchandise and in June for the following spring
merchandise. Once our buyers determine the styles and
merchandise mix for an upcoming season, they focus on purchasing
the required quantities at the lowest cost and the highest
quality available, as well as within the most advantageous flow
or timetable.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our planning and allocation group serves as strategic partner
to, and exercises financial control over, the buying team. Each
buyer&#146;s purchasing plan is reviewed on a seasonal and
yearly basis by the President Chief Merchandising Officer and
Vice President Planning and Allocation. Quarterly updates based
on seasonal trends are incorporated into the buying plan. We
believe this organizational scheme helps maximize our buying
opportunities while maintaining appropriate organizational and
financial control. Since October 2003, all functional areas
within planning and allocation have been supported by a software
package that integrates financial analysis into the planning and
allocation process. While this software is already yielding
positive results, we believe that continued use of this software
will yield additional improvements in our planning and
allocation functions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Merchandise planning at the category level, for pre-season
planning and in-season adjustments, is developed through strong
relationships with our buying organization. Channel planning at
the store level tailors the assortment of merchandise by store
based on each store&#146;s customer demographics and balances
the merchandise mix by factoring in volume and space management
objectives. Allocation management, which directs the flow of
merchandise from our distribution center to the individual
stores, allows us to quickly respond and adjust assortments
based on trend, store and style specific sales patterns. Our
allocation decisions are based not only on quantity and
assortment, but also include consideration of price, vendor,
color and other style characteristics. We believe that this
approach to planning and allocation allows us to optimize our
ability to deliver the right merchandise to the right store at
the right time, thereby increasing sales and reducing the need
for markdowns.
</DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Vendor Relationships</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe we have good relationships with our vendors. We
purchase merchandise directly from more than 300 domestic and
foreign vendors as of April&nbsp;30, 2005. Our vendors include
suppliers who either manufacture their own merchandise or supply
merchandise manufactured by others, or both. Most of DSW&#146;s
domestic vendors import a large portion of their merchandise
from abroad. We have implemented quality control programs under
which our DSW buyers and store managers inspect incoming
merchandise for fit, color and material, as well as for overall
quality of manufacturing. We do not generally experience
material difficulties with merchandise manufactured overseas. As
the number of DSW locations increases and our sales volumes
grow, we believe there will continue to be adequate sources
available to acquire a sufficient supply of quality goods in a
timely manner and on satisfactory economic terms. After giving
effect to consolidation
</DIV>

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<DIV align="left" style="font-size: 10pt;">
among our vendors, during fiscal 2004, merchandise supplied by
our three top vendors accounted for approximately 19% of our net
sales.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe that many vendors view us as a significant
distribution channel for their branded offerings and appreciate
our uncomplicated purchasing program. Our vendor relationships
result in greater access to high quality, in-season merchandise
at attractive prices.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Marketing and Advertising</B>
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Strategy</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our marketing strategy for DSW focuses on communicating the
selection, convenience and value offered by DSW through the use
of the slogan &#147;The Shoes of the Moment. The Deal of a
Lifetime.&#148; We utilize television, radio and print media
advertising as well as in-store promotions. In fiscal 2004, we
spent $39.3&nbsp;million, or 4.1% of our net sales on
advertising, excluding costs to promote each new store opening,
which are included in pre-opening expenses.
</DIV>

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<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>&#147;Reward Your Style&#148;</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In early 1998, we introduced the &#147;Reward Your Style&#148;
customer loyalty program at DSW. The &#147;Reward Your
Style&#148; program seeks to motivate members to shop at DSW by
offering them a $25 reward certificate for every $250 they
spend. In addition to customer rewards, the program regularly
communicates with customers through direct mail, e-mail and the
DSW website. Messages include fashion updates, new arrivals and
other shopping information. As of January&nbsp;29, 2005, over
5.5&nbsp;million members enrolled in the &#147;Reward Your
Style&#148; program had purchased merchandise in the previous
two fiscal years and, in fiscal 2004, 60.1% of DSW store net
sales were generated by shoppers in the loyalty program. We
believe that this program has successfully increased the
shopping frequency and average transaction size of our customers.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
While the program develops customer loyalty, it also provides us
with valuable market intelligence and purchasing information
regarding our most frequent customers. We carefully analyze the
members&#146; transaction activity and use this information to
directly advertise, to encourage repeat shopping and to
communicate with our targeted customers. By understanding the
characteristics of our best DSW customers, we are able to
identify other existing customers in lower spending groups with
similar profiles and target communications and advertisements to
increase the attractiveness of our offerings to them, resulting
in increases in their spending level.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Gift Card Program</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We implemented a gift card program in November 2003. We use this
program to generate additional sales by reaching new customers
and increasing awareness of the DSW concept. During the November
and December holiday season of 2004, we sold approximately
96,000 gift cards with an aggregate value of approximately
$4.5&nbsp;million.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Staffing and Operations</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
At DSW, store associates receive training to maximize the
customer shopping experience in our self-service environment.
Training components consist of customer service, maintaining
neat, clean and orderly store conditions for ease of shopping,
efficient checkout process and friendly service. We also
maintain a store management training program to develop the
skills of management personnel and to provide an ongoing talent
pool for future store expansion. We prefer to fill store
management and field supervisor positions through internal
promotions.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, our stores are organized into the
West, Central and East geographic regions, composed of 13, 7 and
14 districts, respectively. Each region is supported by a
Regional Vice President or Director, who supervises senior
district, district and area managers headquartered in the
respective region, district or area. The Regional Vice
Presidents and Directors spend the majority of their time in
their stores to ensure adherence to merchandising, operational
and personnel standards. The typical staff for a DSW store
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">59
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<DIV align="left" style="font-size: 10pt;">
consists of a store manager and two assistant managers who
supervise 15 to 25 full-and part-time hourly associates. Each
store manager reports directly to one of 32 district or area
managers, each of whom in turn reports to one of three Regional
Vice Presidents or Regional Directors, who in turn report to the
Senior Vice President of Store Operations. Our DSW store
managers are responsible on a day-to-day basis for customer
relations, personnel hiring and scheduling, and all other
operational matters arising in the stores. Our store managers
are an important source of information concerning local market
conditions, trends and customer preferences. We provide
compensation bonuses to our store managers which are largely
based on store profitability and inventory control.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Distribution</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW&#146;s distribution center is located in an approximately
707,000 square foot facility in Columbus, Ohio. The design of
the distribution center facilitates the prompt delivery of
priority purchases and fast-selling footwear to stores so we can
take full advantage of each selling season. This distribution
center facility uses a warehouse management system, upgraded in
2003, and material handling equipment, including conveyor
systems, to separate and collate shipments to our stores. We use
a cross dock conveyor system which enhances the movement of
merchandise through the distribution facility using vendor
advance shipment notifications, or ASNs. Although we believe
that our receiving and distribution process and infrastructure
will support our anticipated growth in 2005, we may need to
increase our distribution capacity in 2006 to accommodate our
expanding retail store base.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Most of our inventory is shipped directly from suppliers to a
single centralized distribution center in Columbus, Ohio, where
the inventory is then processed, sorted and shipped to one of
11&nbsp;pool locations located throughout the country and then
on to our stores. Over time, we expect to increase the amount of
merchandise that bypasses the distribution center on initial
allocations.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Management Information and Control Systems</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe a high level of automation is essential to
maintaining and improving our competitive position and executing
our expansion strategy. We rely upon computer systems to provide
information for all areas of our business, including merchandise
planning and allocation, inventory control, distribution,
warehouse operations, financial planning, store billing, point
of sale and automated payroll and accounting. We focus on
leveraging our technology infrastructure and systems whenever
appropriate to simplify our processes and increase our
efficiency. Most of the technical infrastructure for our stores
and corporate headquarters has been replaced or upgraded in the
last two years, and most of the technical infrastructure for our
distribution center has been replaced or upgraded in the last
three years.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In order to promote our continued growth, we have undertaken
several major initiatives to build upon the merchandise
management system and warehouse management systems that support
DSW. An electronic data interchange, or EDI, project is underway
to utilize product UPC barcodes and electronic exchange of
purchase orders, advance shipment notifications and invoices
with our top vendors. As of April&nbsp;30, 2005, approximately
80% of our footwear product is processed using UPC bar codes,
which has reduced processing costs and improved flow of goods
through the distribution center to the stores. EDI purchase
orders and ASNs were piloted with key vendors in early 2004.
They accounted for approximately 20% of the volume of our
shipments as of the end of fiscal 2004, and we expect they will
be approximately 50% by the end of fiscal 2005. This will speed
the flow of goods from the vendor to DSW stores, as well as
reduce the amount of inventory needed in our warehouse.
Additionally, new merchandise planning and merchandise
allocation systems were implemented in 2003 to improve inventory
productivity and store assortments and reduce supply chain cycle
time.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We utilize point of sale, or POS, registers with full scanning
capabilities to increase speed and accuracy at customer
checkouts and facilitate inventory restocking. In 2003, a
wireless POS system was implemented in all DSW stores. This
enables us to complete new store openings more efficiently and
simply. In addition, in October 2004, we launched an application
that provides us with the ability to look up a customer&#146;s
&#147;Reward Your Style&#148; number at POS registers. We
anticipate that in fiscal 2005, the POS system will be
</DIV>

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<DIV align="left" style="font-size: 10pt;">
further upgraded with debit card terminals and signature
capture. We also expect to continually enhance system security.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Program administration, operations and analysis for the
&#147;Reward Your Style&#148; program was brought in-house on
February&nbsp;1, 2005. Prior to this time, these functions were
contracted out to a third party. We use enterprise data
warehouse and customer relationship management software to
manage the program. We expect this will allow us to support,
expand and integrate &#147;Reward Your Style&#148; with the POS
system to improve the customer experience while reducing costs.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Effective as of the date of consummation of this offering,
information technology support will be provided to us as a
shared service under the shared services agreement by Retail
Ventures&#146; information technology department for a period
that ends at the end of fiscal 2007 and will extend
automatically unless terminated by one of the parties.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Industry Overview and Competition</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
According to NPD Fashionworld&#174;, a market research company,
for the twelve months ended January 2005, the total U.S.
footwear market generated sales of $39.0&nbsp;billion.
Women&#146;s footwear accounted for $19.1&nbsp;billion in sales,
representing 49.0% of the market, while men&#146;s footwear
generated $14.7&nbsp;billion, representing 37.6% of the total
market. According to NPD Fashionworld&#174;, for the twelve
months ended January 2005, DSW captured 2.2% of the total adult
footwear market. In addition, DSW accounted for 2.8% of the
total women&#146;s market, including 4.3% of the dress and 3.7%
of the dress casual categories. In both the women&#146;s dress
and women&#146;s dress casual categories, DSW ranked fourth in
the industry and third and second, respectively, among branded
shoe retailers. In men&#146;s, DSW has achieved a 1.4% share of
the overall market, including a 3.2% share in dress casual. In
the men&#146;s dress casual category, DSW is ranked third
overall, and second among branded shoe retailers.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Based on our unique retail format and the high quality,
in-season selection of our shoe merchandise, we believe that DSW
provides a distinct shoe-shopping destination for our customers.
We view our primary competitors to be department stores.
According to NPD Fashionworld&#174;, for the twelve months ended
January 2005, department stores represented 12.5% of the
footwear market based on dollar volume, increasing from 12.4%
for the same period a year ago. DSW also competes with
mall-based company stores, national chains, independent shoe
retailers, single-brand specialty retailers and brand-oriented
discounters.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe that customers prefer our wide selection of on-trend
merchandise compared to product offerings of typical traditional
department stores, mall-based company stores, national chains,
single-brand specialty retailers and independent shoe retailers
because those retailers generally offer a more limited selection
at higher average prices and in a less convenient format than we
do. In addition, we also believe that we will successfully
compete against competitors who have attempted to duplicate our
format because they typically offer assortments with fewer
recognizable brands and more styles from prior seasons.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Although our prices are value-oriented, our core customer is not
the low-price shoe buyer. Therefore, we do not view
non-brand-oriented discount retailers as our prime competitors.
These non-brand-oriented discount retailers may offer footwear
at lower price points; however, they generally offer lower
quality, private label shoes. In contrast, we serve customers
that are typically brand-, quality- and style-conscious
shoppers. As such, we believe they prefer our value offerings to
those of the non-brand oriented discount stores. In addition, we
believe we will increase our market share as discount shoppers
realize that they can buy higher quality brands and more
fashionable shoes in our stores&#146; clearance sections for
prices only slightly higher than what they are willing to spend
at a discount store.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Leased Shoe Department Businesses</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have operated leased shoe departments for Filene&#146;s
Basement, a wholly-owned subsidiary of Retail Ventures, since
its acquisition by Retail Ventures in March 2000. Effective as
of January&nbsp;30, 2005, we updated and reaffirmed our
contractual arrangement with Filene&#146;s Basement. Under the
new agreement, we own the merchandise, record sales of
merchandise net of returns and sales tax and provide supervisory
</DIV>

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<DIV align="left" style="font-size: 10pt;">
assistance in all covered locations. We pay a percentage of net
sales as rent. Filene&#146;s Basement provides the fixtures and
sales associates. As of April&nbsp;30, 2005, we operated leased
shoe departments in 25 Filene&#146;s Basement locations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We also operate leased shoe departments for three non-affiliated
retailers. We entered into supply agreements to merchandise the
shoe departments in Stein Mart, Gordmans and Frugal
Fannie&#146;s stores as of July 2002, June 2004 and September
2003, respectively. We own the merchandise, record sales of
merchandise net of returns and sales tax, provide fixtures and
provide supervisory assistance in these covered locations. Stein
Mart, Gordmans and Frugal Fannie&#146;s provide the sales
associates. We pay a percentage of net sales as rent. As of
April&nbsp;30, 2005, we supplied merchandise to 154&nbsp;Stein
Mart stores, 51 Gordmans stores and one Frugal Fannie&#146;s
store.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Intellectual Property</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have registered a number of trademarks and service marks in
the United States and internationally, including DSW&#174;, DSW
Shoe Warehouse&#174; and Reward Your Style&#174;. The renewal
dates for these U.S. trademarks are April&nbsp;25, 2015,
May&nbsp;23, 2015, and June&nbsp;22, 2009, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe that our trademarks and service marks, especially
those related to the DSW concept, have significant value and are
important to building our name recognition. We aggressively
protect our patented fixture designs, as well as our packaging,
store design elements, marketing slogans and graphics. To
protect our brand identity, we have also protected the DSW
trademark in several foreign countries.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Properties</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
All DSW stores, our principal executive office and all our
distribution, warehouse and office facilities are leased or
subleased. As of April&nbsp;30, 2005, we leased or subleased 15
DSW stores and our main warehouse facility from entities
affiliated with SSC. The remaining DSW stores are leased from
unrelated entities. Most of the DSW store leases provide for a
minimum annual rent plus a percentage of gross sales over
specified breakpoints. Most of our leases are for a fixed term
with three to five four- or five-year renewal terms exercisable
at our option.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our warehouse and distribution facility, located in an
approximately 707,000 square foot facility in Columbus, Ohio, is
adequate for our current needs. The lease expires in December
2016 and has three renewal options with terms of five years
each. We believe that this facility, with some modifications and
additional equipment on an as-needed basis, will be adequate for
our foreseeable demands in 2005; however, we may need to
increase our distribution capacity in 2006 to accommodate our
expanding retail store base. Because our ability to expand our
warehouse facilities at our current site is limited, we may need
to acquire and construct additional facilities in other
geographic locations to accommodate our planned expansion. Our
principal executive office is also located on the site of our
main warehouse and distribution facility in Columbus, Ohio.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Associates</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, we employed approximately 4,800
associates. None of our associates is covered by any collective
bargaining agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We offer competitive wages, comprehensive medical and dental
insurance, vision care, company-paid and supplemental life
insurance programs, associate-paid long-term and short-term
disability insurance and a 401(k) plan to our full-time
associates and some of our part-time associates.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have not experienced any work stoppages, and we consider our
relations with our associates to be good.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Legal Proceedings</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We are involved in various legal proceedings that are incidental
to the conduct of our business, including, but not limited to
employment discrimination claims. In the opinion of management,
the amount of any liability with respect to these proceedings,
either individually or in the aggregate, will not be material.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of the date of this prospectus, we are defending against a
claim in the State of California alleging improper
classification of managerial employees. The action, <I>Adams v.
DSW Shoe Warehouse, Inc., et al.</I>, was brought as a class
action in September 2004 in the Superior Court for the State of
California, Los Angeles County. The plaintiff, one of our former
California assistant store managers, has alleged violations of
the California Labor Code and the Business and Professions Code.
The plaintiff has alleged that we improperly classify our
assistant store managers as exempt employees not entitled to
overtime pay or strictly scheduled rest and meal periods. This
plaintiff is seeking back pay for overtime allegedly not paid,
rest and meal period compensation, interest, statutory
penalties, costs, attorney&#146;s fees, and injunctions against
such business practices in the future on behalf of a purported
class, which has not yet been certified. We are vigorously
defending this action, and we do not believe that this
proceeding will have a material adverse effect on our business,
financial condition or results of operations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On March&nbsp;8, 2005, we announced that we had learned of the
theft of credit card and other purchase information. On
April&nbsp;18, 2005, we issued the findings from our
investigation into the theft. The theft took place primarily
over two weeks and covered all customers who made purchases at
108 DSW stores, primarily during a three-month period from
mid-November 2004 to mid-February 2005. Transaction information
involving approximately 1.4 million credit cards was obtained.
For each card, the stolen information included credit card or
debit card numbers, name and transaction amount. In addition,
data from transactions involving approximately 96,000 checks
were stolen. In these cases, checking account numbers and
driver&#146;s license numbers were obtained.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have contacted and are cooperating with federal law
enforcement and other authorities with regard to this matter. In
addition, we are working with a leading computer security firm
to minimize the risk of any further data theft. To mitigate
potential negative effects on our business and financial
performance, we have been working with credit card companies and
issuers and trying to contact as many of our affected customers
as possible. On June&nbsp;6, 2005, the Ohio Attorney General
brought an action against us in the Court of Common Pleas in
Franklin County, Ohio (<I>State of Ohio v. DSW Inc.</I>) seeking
to require us to notify all customers affected by the theft who
have not thus far been notified by us. There can be no assurance
that there will not be additional proceedings or claims brought
against us in the future.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, we estimate that the potential
exposures for losses related to this theft range from
approximately $6.5&nbsp;million to approximately
$9.5&nbsp;million. Because of many factors, including the early
development of information regarding the theft and
recoverability under insurance policies, there is no amount in
the estimated range that represents a better estimate than any
other amount in the range. Therefore, in accordance with
Financial Accounting Standard No.&nbsp;5, &#147;Accounting for
Contingencies,&#148; we have accrued a charge to operations in
the first quarter of fiscal 2005 equal to the low end of the
range set forth above, or $6.5&nbsp;million. As the situation
develops and more information becomes available to us, the
amount of the reserve may increase or decrease accordingly. The
amount of any such change may be material.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">63

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<DIV align="left" style="font-size: 10pt;">
<A name='112'></A>
</DIV>

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<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>MANAGEMENT</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Directors and Executive Officers</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following table sets forth certain information about our
directors, director nominees and executive officers as of the
consummation of this offering, together with their positions and
ages:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="43%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="left" nowrap><B>Name</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Age</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Position With Us</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Jay L. Schottenstein</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    50</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Chief Executive Officer and Chairman of the Board of Directors</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deborah L. Ferr&#233;e</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    51</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    President and Chief Merchandising Officer</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Peter Z. Horvath</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    47</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Executive Vice President and Chief Operating Officer</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Julia A. Davis</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    44</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Executive Vice President, General Counsel and Secretary</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Douglas J. Probst</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    41</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Senior Vice President, Chief Financial Officer and Treasurer</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Steven E. Miller</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    46</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Senior Vice President and Controller</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    David J. Disque</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    54</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Senior Vice President, Store Operations</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Kathleen C. Maurer</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    45</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Vice President, Human Resources</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Timothy McDougall</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    46</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Vice President, Real Estate, Store Planning and Construction</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    James A. McGrady</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    54</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Director and Vice President</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Heywood Wilansky</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    57</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Director</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Carolee Friedlander</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    63</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Director Nominee</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Philip B. Miller</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    66</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Director Nominee</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    James D. Robbins</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    58</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Director Nominee</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Harvey L. Sonnenberg</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    63</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Director Nominee</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Allan J. Tanenbaum</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="bottom">
    58</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">
    Director Nominee</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each of our executive officers holds office until his or her
successor is elected or appointed and qualified or until his or
her resignation or removal, if earlier. Other than with respect
to Mr.&nbsp;McGrady, the persons listed below will serve as
directors or officers of DSW as of the consummation of this
offering. Each director listed below holds office until his
successor is duly elected or appointed and qualified or until
his earlier death, retirement, disqualification, resignation or
removal. We expect to replace Mr.&nbsp;McGrady in his capacity
as director prior to the consummation of this offering.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Jay L. Schottenstein </B>will serve as our Chief Executive
Officer and Chairman of the Board of Directors. He was appointed
as our Chief Executive Officer in March 2005.
Mr.&nbsp;Schottenstein became a director of DSW in March 2005.
He has been Chairman of the Board of Directors of Retail
Ventures, American Eagle Outfitters, Inc. and SSC since March
1992 and was Chief Executive Officer of Retail Ventures from
April 1991 to July 1997 and from July 1999 to December 2000.
Mr.&nbsp;Schottenstein served as Vice Chairman of SSC from 1986
until March 1992 and as a director of SSC since 1982. He served
in various executive capacities at SSC since 1976.
Mr.&nbsp;Schottenstein is also a director of American Eagle
Outfitters, Inc., which is a company with a class of securities
registered pursuant to Section&nbsp;12 of the Securities
Exchange Act of 1934, or the Exchange Act.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Deborah L. Ferr&#233;e </B>will serve as our President and
Chief Merchandising Officer. Ms.&nbsp;Ferr&#233;e joined us in
November 1997. She has served as President and Chief
Merchandising Officer since November 2004. From March 2002 until
November 2004, she served as Executive Vice President and Chief
Merchandising Officer. Prior to that, she served as Senior Vice
President of Merchandising beginning in September 2000, and Vice
President of Merchandising beginning in October 1997. Prior to
joining us, Ms.&nbsp;Ferr&#233;e worked in the retail industry
for more than 30&nbsp;years in various positions, including
serving as Divisional Merchandising Manager
</DIV>

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<DIV align="left" style="font-size: 10pt;">
of Shoes, Accessories and Intimate Apparel for Harris Department
Store, women&#146;s buyer for Ross Stores and Divisional
Merchandise Manager of the May Company.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Peter Z. Horvath </B>will serve as our Executive Vice
President and Chief Operating Officer, a position he has held
since January 2005. He has extensive retail experience, having
spent nineteen years with the Limited Brands business. He has
held numerous finance function roles within various divisions of
Limited Brands, most recently serving as Senior Vice President
of Merchandise Planning and Allocation for the entire Limited
Brands enterprise from April 2002 to August 2004. From February
1997 to April 2002, he served as Chief Financial Officer for
multiple apparel divisions of Limited Brands. From 1985 to
February 1997, Mr.&nbsp;Horvath held various positions with
Limited Brands, including Vice President Controller of Express,
Inc. and Director of Financial Reporting for Limited Stores.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Julia A. Davis </B>will serve as our Executive Vice
President, General Counsel and Secretary. Since January 2003,
Ms.&nbsp;Davis has been and will continue to be after
consummation of this offering Executive Vice President, General
Counsel and Assistant Secretary of Retail Ventures as well. She
has been our Executive Vice President and General Counsel since
January 2003 and was a director of DSW from December 2004 to
March 2005. Prior to joining Retail Ventures, she was a partner
in the Columbus office of Vorys, Sater, Seymour and Pease LLP
for 10&nbsp;years. Ms.&nbsp;Davis has over 17&nbsp;years of
experience in private legal practice primarily representing and
advising national and regional retail companies in a variety of
employment matters.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Douglas J. Probst </B>will serve as our Senior Vice
President, Chief Financial Officer and Treasurer.
Mr.&nbsp;Probst joined DSW in mid-March 2005. From April 1990 to
February 2005, he held various positions with TOO Inc., a
company spun-off from The Limited, Inc., including Vice
President of Finance and Controller from May 2004 to February
2005, Vice President Finance from October 2003 to May 2004 and
Vice President Financial Analysis and Store Control from
December 1999 to October 2003. From August 1986 to March 1990,
he was in the practice of public accounting with Peat Marwick.
Mr.&nbsp;Probst is a certified public accountant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Steven E. Miller </B>will serve as our Senior Vice President
and Controller. Since May 2003, he has been and will continue to
be after consummation of this offering Senior Vice President and
Controller of Retail Ventures as well. He has been Vice
President and Controller of DSW since May 2002 and held those
positions with Retail Ventures from September 2000 to May 2003.
Prior to that time, Mr.&nbsp;Miller served as Chief Financial
Officer of Spitzer Management, Inc. beginning in 1998. From 1993
to 1998, Mr.&nbsp;Miller held various positions with Big Lots,
Inc., including Director, Assistant Treasurer and Assistant
Controller. Mr.&nbsp;Miller is a certified public accountant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>David J. Disque </B>will serve as our Senior Vice President,
Store Operations. Mr.&nbsp;Disque joined us in November 1998 as
Vice President, DSW Store Operations and served in that capacity
until March 2004. Mr.&nbsp;Disque was Vice President Store
Operational Support for Value City Department Stores, Inc. from
May 1998 to October 1998. He held several positions at Hills
Department Stores from March 1993 to April 1998, including Vice
President, Merchandise Presentation and Regional Vice President,
Store Operations. Prior to that, he spent over 21&nbsp;years
with Marshall&#146;s and Federated Department Stores.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Kathleen C. Maurer </B>will serve as our Vice President,
Human Resources. From March 2004 until the consummation of this
offering, Ms.&nbsp;Maurer has served as Vice President, Human
Resources of Retail Ventures. Prior to that, she served as Chief
Administrative Officer and Vice President, Human Resources of
Real Living, Inc. from February 2002 to March 2004. From April
1996 to February 2002, Ms.&nbsp;Maurer held various positions at
TOO, Inc., a company spun off from The Limited, Inc., including
Vice President, Human Resources, Senior Vice President, Human
Resources and Executive Human Resources Consultant.
Ms.&nbsp;Maurer has over 22&nbsp;years of human resources
experience within the retail sector, including 17&nbsp;years at
The Limited, Inc. and its affiliates.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Timothy McDougall </B>will serve as our Vice President, Real
Estate, Store Planning &#38; Construction. From March 2004,
Mr.&nbsp;McDougall has served as Retail Ventures&#146; Vice
President of Real Estate, Chief Development Officer. From
November 1995 to March 2004, he was a partner in Greenwood
Realty, a retail development and consulting firm. Prior to
joining Greenwood Realty in 1995, Mr. McDougall held various
positions with the consumer products division of Gulf and
Western Industries, New York.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>James A. McGrady </B>serves as a director and as a Vice
President of DSW. Mr.&nbsp;McGrady has also served as Chief
Financial Officer, Treasurer and Secretary of Retail Ventures
since July 2000. He was our Executive Vice President, Chief
Financial Officer, Treasurer and Secretary from December 2002 to
March 2005 and has been a director of DSW since December 2002.
From July 2000 to December 2002, he served as Chief Financial
Officer of Value City Department Stores. Prior to July 2000,
Mr.&nbsp;McGrady served as Vice President and Treasurer of Big
Lots, Inc. beginning in 1986. From 1979 through 1986,
Mr.&nbsp;McGrady was in the practice of public accounting with
KPMG Main Hurdman. Prior to consummation of this offering, we
expect to appoint another individual to replace Mr.&nbsp;McGrady
as a director.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Heywood Wilansky </B>will serve as a director of DSW. He was
appointed to the board of directors in March 2005.
Mr.&nbsp;Wilansky has been the President and Chief Executive
Officer of Retail Ventures since November 2004. Before joining
Retail Ventures, he served as President and Chief Executive
Officer of Filene&#146;s Basement, a subsidiary of Retail
Ventures, from February 2003 to November 2004. Mr.&nbsp;Wilansky
was a professor of marketing at the University of Maryland
business school from August 2002 to February 2003. From August
2000 to January 2003, he was President and Chief Executive
Officer of Strategic Management Resources, LLC. From August 1995
to July 2000, he was President and Chief Executive Officer of
Bon Ton Stores.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Carolee Friedlander</B> will serve as a director of DSW. We
expect that she will be appointed to the board of directors in
June 2005. Ms.&nbsp;Friedlander serves as a founding partner of
Circle Financial Group, a membership organization that provides
wealth management services, and has held that position since
August 2004. From July 2001 to August 2004, Ms.&nbsp;Friedlander
served as Senior Vice President of Retail Brand Alliance, Inc.,
and as President and Chief Executive Officer of Carolee Designs,
Inc., a subsidiary of Retail Brand Alliance. Prior to that,
Ms.&nbsp;Friedlander served as President and Chief Executive
Officer of Carolee Designs, a fashion accessory company she
founded in 1973 and sold to Retail Brand Alliance in July 2001.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Philip B. Miller</B> will serve as a director of DSW. We
expect that he will be appointed to the board of directors in
June 2005. Mr.&nbsp;Miller is the President of Philip B. Miller
Associates, a consulting firm, and the Operating Director of
Tri-Artisan Capital Partners, a privately held merchant bank,
and has held those positions since July 2001. Mr.&nbsp;Miller
has served as a director of Kenneth Cole Productions, Inc. since
May 2000. Kenneth Cole Productions, Inc. has a class of
securities registered pursuant to Section&nbsp;12 of the
Exchange Act. Mr.&nbsp;Miller served as Chairman and Chief
Executive Officer of Saks Fifth Avenue, Inc. from 1993 until
January 2000 and continued as Chairman of that company until
July 2001. From 1983 to 1990, Mr.&nbsp;Miller served as Chairman
and Chief Executive Officer of Marshall Fields, Inc.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>James D. Robbins</B> will serve as a director of DSW. We
expect that he will be appointed to the board of directors in
June 2005. Mr.&nbsp;Robbins currently holds directorships in
Dollar General Corporation and Huntington Preferred Capital,
Inc., positions that he has held since March 2002 and November
2001, respectively. Mr.&nbsp;Robbins also serves as chairman of
the audit committees of both of these companies. Both Dollar
General Corporation and Huntington Preferred Capital, Inc., have
a class of securities registered pursuant to Section&nbsp;12 of
the Exchange Act. From 1993 until his retirement in June 2001,
Mr.&nbsp;Robbins served as Managing Partner of the Columbus,
Ohio office of PricewaterhouseCoopers LLP. Mr.&nbsp;Robbins is a
certified public accountant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Harvey L. Sonnenberg</B> will serve as a director of DSW. We
expect that he will be appointed to the board of directors in
June 2005. Since August 2001, he has been and will continue to
be a director of Retail Ventures after consummation of this
offering. Retail Ventures has a class of securities registered
pursuant to Section&nbsp;12 of the Exchange Act.
Mr.&nbsp;Sonnenberg has been a partner in the public accounting
and consulting firm, Weiser &#38; Co., LLP, since November 1994.
Mr.&nbsp;Sonnenberg is active in a number of professional
organizations, including the American Institute of Certified
Public Accountants and the New York State Society of Certified
Public Accountants, and has long been involved in rendering
professional services to the retail and apparel industry.
Mr.&nbsp;Sonnenberg is a certified public accountant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>Allan J. Tanenbaum</B> will serve as a director of DSW. We
expect that he will be appointed to the board of directors in
June 2005. Mr.&nbsp;Tanenbaum currently serves as Senior Vice
President, General Counsel and Corporate Secretary for AFC
Enterprises, Inc., a franchisor and operator of quick-service
restaurants, and has
</DIV>

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<DIV align="left" style="font-size: 10pt;">
held those positions since February 2001. From June 1996 to
February 2001, Mr.&nbsp;Tanenbaum was a shareholder in Cohen
Pollock Merlin Axelrod &#38; Tanenbaum, P.C., an Atlanta,
Georgia law firm, where he represented corporate clients in
connection with mergers and acquisitions and other commercial
transactions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Board Composition</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our amended and restated code of regulations will authorize
seven directors to serve on the board of directors, or board. As
of May 2005, the following individuals serve on the board of
directors: Mr.&nbsp;Schottenstein, Mr.&nbsp;Wilansky and
Mr.&nbsp;McGrady. Upon the consummation of this offering, we
expect the board to consist of Messrs.&nbsp;Schottenstein,
Wilansky, Miller, Robbins, Sonnenberg and Tanenbaum and
Ms.&nbsp;Friedlander.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Pursuant to our amended and restated code of regulations, when
the authorized number of directors is six or more, but less than
nine, the directors will be divided into two classes, designated
as Class&nbsp;I and Class&nbsp;II. The members of each class
will serve for a staggered, two-year term, except that
Class&nbsp;I directors in the initial term immediately following
this offering will serve for one year. Each director will be
elected to serve until the election of the director&#146;s
successor at an annual meeting of shareholders for the election
of directors for the year in which the director&#146;s term
expires or at a special meeting called for that purpose. As of
the date of this prospectus, we do not anticipate increasing or
decreasing the authorized number of directors.
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <I>Class I Directors.</I> Messrs.&nbsp;Wilansky, Sonnenberg,
    Tanenbaum and Ms.&nbsp;Friedlander, whose terms will expire at
    the 2006 annual meeting of shareholders; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    <I>Class II Directors.</I> Messrs.&nbsp;Schottenstein, Miller,
    and Robbins, whose terms will expire at the 2007 annual meeting
    of shareholders.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We believe, and expect our board to determine, that a majority
of our directors will be independent as defined under the NYSE
rules.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Committees of the Board of Directors</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We will establish an audit committee, nominating and corporate
governance committee and compensation committee of our board. We
intend to comply with all applicable NYSE rules relating to
committee composition and committee charter requirements. We
will not utilize the &#147;controlled company&#148; or &#147;IPO
phase-in&#148; exemptions available to us under the NYSE rules.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Audit Committee.</I> The audit committee will assist the
board in fulfilling its oversight responsibility relating to our
financial statements and the financial reporting process,
compliance with legal and regulatory requirements, the
qualifications and independence of our independent public
accountants, our system of internal controls, the internal audit
function, our code of ethical conduct, retaining and, if
appropriate, terminating the independent public accountants and
approving audit and non-audit services to be performed by the
independent public accountants.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We expect the audit committee to be chaired by Mr.&nbsp;Robbins
and to consist of Messrs.&nbsp;Miller and Tanenbaum. We also
expect our board to determine that all three members of this
committee are &#147;independent&#148; directors as defined under
the NYSE rules and under Section&nbsp;10A-3 of the Securities
Exchange Act. We also expect our board to determine that
Mr.&nbsp;Robbins is an &#147;audit committee financial
expert&#148; as such term is defined by the SEC under
Item&nbsp;401(h) of Regulation&nbsp;S-K.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Nominating and Corporate Governance Committee.</I> The
nominating and corporate governance committee&#146;s functions
will include assisting the board in determining the desired
qualifications of directors, identifying potential individuals
meeting those qualification criteria, proposing to the board a
slate of nominees for election by the shareholders and reviewing
candidates nominated by shareholders. In addition, the
nominating and corporate governance committee will review the
Corporate Governance Principles, make recommendations to the
board with respect to other corporate governance principles
applicable to us, oversee the annual evaluation of the board and
management and review management and board succession plans.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We expect the nominations and corporate governance committee to
be chaired by Mr. Tanenbaum and to consist of Ms. Friedlander
and Mr. Robbins. We also expect our board to determine that all
three members of this committee are &#147;independent&#148;
directors as defined under the NYSE rules.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Compensation Committee.</I> The compensation committee&#146;s
functions will include evaluating the Chief Executive
Officer&#146;s performance, setting the Chief Executive
Officer&#146;s annual compensation; reviewing and approving the
compensation packages of our other executive officers; making
recommendations to the board with respect to our incentive
compensation, retirement and other benefit plans; making
administrative and compensations decisions under such plans; and
recommending to the board the compensation for non-employee
board members.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We expect the compensation committee to be chaired by Mr. Miller
and to consist of Mr. Robbins and Ms. Friedlander. We also
expect our board to determine that all three members at this
committee are &#147;independent&#148; directors as defined under
the NYSE rules.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Compensation Committee Insider Participation</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Compensation decisions during fiscal 2004 pertaining to our
executive officers&#146; compensation (other than for our named
executive officers) were made by the former Chief Executive
Officer of Retail Ventures, John&nbsp;C. Rossler, and the former
Chief Operating Officer of Retail Ventures, Edwin&nbsp;J.
Kozlowski. Compensation decisions regarding Deborah&nbsp;L.
Ferr&#233;e, Peter&nbsp;Z. Horvath, and Douglas&nbsp;J. Probst
were made by Jay&nbsp;L. Schottenstein as Chairman of Retail
Ventures. Mr.&nbsp;Schottenstein became the Chief Executive
Officer and Chairman of the Board of Directors of DSW in March
2005.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Compensation of Directors</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We will pay an annual retainer to our independent directors (as
defined under the NYSE rules) and to Mr.&nbsp;Sonnenberg. The
retainer will consist of $50,000 in cash and a grant of a number
of stock units with a value equal to $50,000, determined by
using the fair market value of a DSW Class&nbsp;A Common Share
at the date of grant. Each director may elect to receive all or
a portion of their cash retainer in the form of stock units. The
stock units will be fully vested on the date of grant, but will
not be distributable to the director until the director leaves
the board (for any reason). When the director leaves the board,
the stock units owed to the director will be settled in DSW
Class&nbsp;A Common Shares (with cash for any fractional
shares), unless the director&#146;s award agreement provides for
a cash settlement. The stock units will be settled in a lump sum
transfer, and the director may not defer settlement or spread
the settlement over a longer period of time. The stock units
will be issued under the DSW 2005 Equity Plan. See
&#147;Employee Incentive Plans&nbsp;&#151; The DSW Incentive
Plans&nbsp;&#151; The DSW 2005 Equity Plan&#148; for a
discussion of the DSW 2005 Equity Plan.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Directors will have no voting rights in respect of the stock
units, but they will have the power to vote the DSW Class&nbsp;A
Common Shares received upon settlement of the award. In general,
directors will not have dividend rights in the stock units until
settlement, but an award agreement may provide for equivalent
rights. If such equivalent rights are granted, the director will
be &#147;credited&#148; with the same dividend that would be
issued if the stock unit was a DSW Class&nbsp;A Common Share.
The amounts associated with the dividend equivalent rights will
not be distributed until the director&#146;s stock unit award is
settled at the time that the director leaves the board. We will
be entitled to a tax deduction when the award is settled, and
the director will be taxed on the then fair market value of the
award.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Directors will not receive any additional compensation for
attending board meetings or board committee meetings. However,
the chairmen of the audit committee, nominating and corporate
governance committee and compensation committee will each
receive an additional $10,000, $5,000 and $7,500 in cash,
respectively. All members of our board of directors will be
reimbursed for reasonable costs and expenses incurred in
attending meetings of our board of directors and its committees.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">68
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<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Codes of Conduct</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have adopted a code of ethics that applies to all our
directors, officers and employees, including our principal
executive officer, principal financial officer, principal
accounting officer or controller, or persons performing similar
functions, and an additional code of ethics that applies to
senior financial officers. These codes of ethics have been
designated as the &#147;Code of Conduct&#148; and the &#147;Code
of Ethics for Senior Financial Officers,&#148; respectively. We
intend to satisfy the disclosure requirement under Item&nbsp;10
of Form&nbsp;8-K regarding any amendment to, or waiver from, any
applicable provision (related to elements listed under
Item&nbsp;406(b) of Regulation&nbsp;S-K) of the &#147;Code of
Conduct&#148; or the &#147;Code of Ethics for Senior Financial
Officers&#148; that applies to our directors, principal
executive officer, principal financial officer, principal
accounting officer or controller, or persons performing similar
functions by posting such information on our website.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Executive Compensation</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following summary compensation table sets forth information
concerning the cash and non-cash compensation for services
rendered to DSW earned during fiscal 2004 by, awarded to or paid
to our Chief Executive Officer, our former Chief Executive
Officer, each of the next four most highly compensated executive
officers and one executive officer who would have been one of
the four most highly compensated but for the fact that he was no
longer serving as an executive officer at the end of fiscal
2004. We refer to these officers as our &#147;named executive
officers&#148; in other parts of this prospectus. Even though
Mr.&nbsp;Probst was not employed by us during fiscal 2004, we
have included him on this table as we expect him to be one of
our most highly compensated executive officers following the
consummation of this offering and to be eligible to participate
in many of the same plans and programs as our other named
executive officers. For purposes of the summary compensation
table, we have listed the portion of each named executive
officer&#146;s compensation allocable to services rendered to
DSW. This allocation is based on the net sales of the DSW
segment of the business of Retail Ventures for fiscal 2004 as
compared to the total net sales of Retail Ventures and its
subsidiaries for such year. After the consummation of this
offering, Ms.&nbsp;Ferr&#233;e, Mr.&nbsp;Horvath and
Mr.&nbsp;Probst will continue to be paid by us. Prior to and
after consummation of this offering, Ms.&nbsp;Davis and
Mr.&nbsp;McGrady will be paid by Retail Ventures, and a portion
of the related expense will be allocated to DSW.
</DIV>

<P align="center" style="font-size: 10pt;">69

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<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Summary Compensation Table</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="26%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>


<TR style="font-size: 7pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>Long Term Compensation</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>


<TR style="font-size: 7pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>Annual Compensation</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Awards</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Payouts</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR style="font-size: 7pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="11">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Restricted</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR style="font-size: 7pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Other Annual</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Stock</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Securities</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>LTIP</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>All Other</B></TD><TD></TD>
</TR>

<TR style="font-size: 7pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Fiscal</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Salary</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Bonus</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Compensation</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Award(s)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Underlying</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Payouts</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Compensation</B></TD><TD></TD>
</TR>

<TR style="font-size: 7pt;">
    <TD align="left" nowrap><B>Name and Principal Position<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Year</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>($)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>($)<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>($)<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>($)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Options</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>($)<SUP style="font-size: 85%; vertical-align: text-top">(5)</SUP></B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>($)<SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Jay L.
    Schottenstein<SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>84,950</TD>
    <TD align="left" valign="top" nowrap><SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Chief Executive Officer and Chairman of the Board</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deborah L.
    Ferr&#233;e<SUP style="font-size: 85%; vertical-align: text-top">(8)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>553,083</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>710,938</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>12,038</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>345,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>8,037</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    President &#38; Chief Merchandising Officer</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Peter Z.
    Horvath<SUP style="font-size: 85%; vertical-align: text-top">(9)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>28,846</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Chief Operating Officer</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Douglas J.
    Probst<SUP style="font-size: 85%; vertical-align: text-top">(10)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Chief Financial Officer</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    James A.
    McGrady<SUP style="font-size: 85%; vertical-align: text-top">(11)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>147,421</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>96,225</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>2,865</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Chief Financial Officer, Treasurer and Secretary of Retail
    Ventures</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Julia A.
    Davis<SUP style="font-size: 85%; vertical-align: text-top">(11)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>93,607</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>80,376</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>2,392</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    General Counsel of DSW and Retail Ventures</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    John C.
    Rossler<SUP style="font-size: 85%; vertical-align: text-top">(12)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>255,686</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>92,746</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>5,169</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>279,979</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>250,580</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Former Chief Executive Officer and President of Retail Ventures</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Edwin J.
    Kozlowski<SUP style="font-size: 85%; vertical-align: text-top">(12)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>182,621</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>66,198</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>27,440</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>69,560</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>188,299</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Former Chief Operating Officer of Retail Ventures</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 1pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>(1)</TD>
    <TD align="left">
    In fiscal 2004, Ms.&nbsp;Ferr&#233;e, Mr.&nbsp;McGrady and
    Ms.&nbsp;Davis were the three most highly compensated officers
    who were still employed with us or Retail Ventures as of the end
    of fiscal 2004. None of our other executive officers received
    compensation for services rendered to DSW in an amount greater
    than $100,000 in fiscal 2004.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(2)</TD>
    <TD align="left">
    Includes amounts paid in respect of fiscal 2004 to
    Mr.&nbsp;Schottenstein as compensation for his role as Chairman
    of the Board of Directors of Retail Ventures, allocable to DSW.
    As of the date of his appointment as Chief Executive Officer,
    Mr.&nbsp;Schottenstein does not have a formal written employment
    agreement with DSW.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(3)</TD>
    <TD align="left">
    Includes amounts paid in respect of fiscal 2004 under the Value
    City Department Stores, Inc. 2003 Incentive Plan. In connection
    with the offering, we expect that our board will adopt and
    Retail Ventures, as sole shareholder, will approve the DSW Inc.
    2005 Cash Incentive Plan. We expect that some of our named
    executive officers will participate in that plan.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(4)</TD>
    <TD align="left">
    SEC rules do not require the reporting of perquisites and other
    personal benefits to the extent that the aggregate amount of
    such compensation is the lesser of either $50,000 or 10% of the
    total annual salary and bonus reported for each named executive
    officer. For Ms. Ferr&#233;e and Mr.&nbsp;Rossler, the amounts
    reported related to legal expenses. For Mr.&nbsp;Kozlowski, the
    amounts reported include allocated amounts of $22,271 relating
    primarily to personal benefits and $5,169 in allocated legal
    expenses. For Messrs.&nbsp;Rossler and Kozlowski, the amounts
    allocable to DSW were determined as described in
    footnote&nbsp;(11) below.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(5)</TD>
    <TD align="left">
    In July 2002, the compensation committee of the board of
    directors of Retail Ventures recommended and the Board of
    Directors approved the establishment of a &#147;value
    creation&#148; program, pursuant to which cash payments were
    made to certain participants including Messrs.&nbsp;Rossler and
    Kozlowski and Ms.&nbsp;Ferr&#233;e. Mr.&nbsp;Rossler was awarded
    $805,000 in fiscal 2004, pursuant to the program, subject to a
    risk of forfeiture on termination of employment, $279,979 of
    which was allocable to DSW during fiscal 2004. Mr. Kozlowski was
    awarded $200,000 in fiscal 2004, pursuant to the program,
    subject to a risk of forfeiture on termination of employment,
    $69,560 of which was allocable to DSW during fiscal 2004.
    Ms.&nbsp;Ferr&#233;e was awarded an aggregate of $690,000
    pursuant to the program, subject to a risk of forfeiture on
    termination of employment, $345,000 of which was paid during
    fiscal 2004. All obligations under the &#147;value
    creation&#148; program have been satisfied as of
    February&nbsp;1, 2004, upon payment of the last installment.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt;">70

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>(6)</TD>
    <TD align="left">
    The amounts shown in this column for each named executive
    officer consist of contributions or other allocations to Retail
    Ventures&#146; 401(k) Plan and Associate Stock Purchase Plan for
    the named executive officer, as follows:</TD>
</TR>

</TABLE>

<DIV align="center" style="font-size: 8pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>401(K) Plan and Associate Stock Purchase Plan</B>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 8pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="61%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" nowrap><B>Name</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>401(K)&nbsp;Plan</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Stock Purchase Plan</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Jay L. Schottenstein</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deborah L. Ferr&#233;e</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,850</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>187</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Peter Z. Horvath</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Douglas J. Probst</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    James A. McGrady</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>2,865</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Julia A. Davis</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>2,392</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    John C. Rossler</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>2,484</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Edwin J. Kozlowski</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>2,741</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV style="margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="1%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top"  style="font-size: 8pt;">
    <TD valign="top">
</TD>
    <TD></TD>
    <TD valign="top">
    As to Mr.&nbsp;Rossler, the amount listed in the Summary
    Compensation Table also includes $248,096 in severance payments
    allocable to DSW that were accrued in fiscal 2004. Retail
    Ventures also paid premiums in the amount of $700 for a life
    insurance policy for Mr.&nbsp;Rossler pursuant to which
    Mr.&nbsp;Rossler would have received the benefit of any cash
    surrender value. The policy was terminated in May&nbsp;20, 2004.
    As to Mr.&nbsp;Kozlowski, the amount listed in the Summary
    Compensation Table also includes $185,558 in severance payments
    allocable to DSW that were accrued in fiscal 2004, which
    includes the allocable cash value of an automobile awarded to
    Mr.&nbsp;Kozlowski as part of his severance. The portion of
    these amounts allocable to DSW was determined as described in
    footnote&nbsp;(11) below.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top"  style="font-size: 8pt;">
    <TD valign="top">
    (7)</TD>
    <TD></TD>
    <TD valign="top">
    Mr.&nbsp;Schottenstein became Chief Executive Officer and
    Chairman of the Board of Directors of DSW in March 2005. We do
    not expect to enter into an employment agreement with
    Mr.&nbsp;Schottenstein. His annual salary is $250,000.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top"  style="font-size: 8pt;">
    <TD valign="top">
    (8)</TD>
    <TD></TD>
    <TD valign="top">
    Ms.&nbsp;Ferr&#233;e entered into a new employment agreement
    effective as of November 2004. Her new annual salary is $700,000.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top"  style="font-size: 8pt;">
    <TD valign="top">
    (9)</TD>
    <TD></TD>
    <TD valign="top">
    Mr.&nbsp;Horvath entered into a new employment agreement
    effective as of January&nbsp;3, 2005. His annual salary is
    $500,000.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top"  style="font-size: 8pt;">
    <TD valign="top">
    (10)</TD>
    <TD></TD>
    <TD valign="top">
    Mr.&nbsp;Probst entered into a new employment agreement
    effective as of March&nbsp;14, 2005. His annual salary is
    $350,000.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top"  style="font-size: 8pt;">
    <TD valign="top">
    (11)</TD>
    <TD></TD>
    <TD valign="top">
    The information in the table represents the portion of
    Mr.&nbsp;McGrady&#146;s and Ms.&nbsp;Davis&#146; compensation
    allocable to DSW. This allocation is based on the net sales of
    DSW segment of the business of Retail Ventures for 2004 as
    compared with the total net sales of Retail Ventures and its
    subsidiaries for such year.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top"  style="font-size: 8pt;">
    <TD valign="top">
    (12)</TD>
    <TD></TD>
    <TD valign="top">
    The employment of Messrs.&nbsp;Rossler and Kozlowski was
    terminated by the board of directors of Retail Ventures as of
    November&nbsp;3, 2004. The information in the table represents
    portions of their respective compensation allocable to DSW. The
    portion allocable to DSW was determined as described in
    footnote&nbsp;(11) above.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Aggregated Option/ SAR Exercises for Common Shares of Retail
Ventures in Last Fiscal Year and Fiscal Year-End Option/ SAR
Values</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following table sets forth information for each of the named
executive officers regarding the number of shares subject to
both exercisable and unexercisable stock options in respect of
Retail Ventures common shares, as well as the value of
unexercisable in-the-money options, as of the end of fiscal
2004, based on the closing price of Retail Venture common shares
on that date ($6.61 per share). No named executive officer held
options or stock appreciation rights, or SARs, in respect of our
common shares.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 3pt; ">

<TR style="font-size: 1pt;">
    <TD width="30%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Number of Securities</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Value of Unexercised</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="left" nowrap><B>Named</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Number of</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Underlying Unexercised</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>In-the-Money</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="left" nowrap><B>Executive</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Shares Acquired</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Value</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Options/SARs At Fiscal</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Options/SARs At Fiscal</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="left" nowrap><B>Officers</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>upon Exercise</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Realized</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Year End</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Year End<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Exercisable/ Unexercisable</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Exercisable/ Unexercisable</B></TD><TD></TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Jay L. Schottenstein</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>50,000/&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;/&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deborah L. Ferr&#233;e</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>227,600/324,400</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>457,440/684,060</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Peter Z. Horvath</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;/&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;/&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Douglas J. Probst</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;/&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;/&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    James A. McGrady</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>243,000/332,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>462,150/687,900</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Julia A. Davis</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,000/32,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>39,840/159,360</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    John C. Rossler</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,445,000/&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5,137,950/&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Edwin J. Kozlowski</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,720,000/&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,629,200/&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Represents the total gain which would be realized if all
    in-the-money options held at year end were exercised, determined
    by multiplying the number of shares underlying the options by
    the difference in the per share option exercise price and the
    per share fair market value at year end of $6.61. An option is
    in-the-money if the fair market value of the underlying shares
    exceeds the exercise price of the option.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt;">71

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Employee Incentive Plans</B>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>The Retail Ventures Incentive Plans</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Some of our employees (including our named executive officers)
and non-employee directors have participated in or have been
eligible to participate and, after the offering, will continue
to be eligible to participate in equity incentive plans
sponsored by Retail Ventures which provided them an opportunity
to earn incentive cash compensation and to receive equity-based
compensation related to the common shares of Retail Ventures.
These plans include the Amended and Restated Retail Ventures,
Inc. 1991 Stock Option Plan, or the Retail Ventures 1991 Option
Plan, the Retail Ventures, Inc. Amended and Restated 2000 Stock
Incentive Plan, or the Retail Ventures 2000 Stock Incentive
Plan, and the Value City Department Stores, Inc. 2003 Incentive
Compensation Plan, or the Retail Ventures 2003 Incentive Plan
and the Retail Ventures, Inc. Employee Stock Purchase Plan, or
the Retail Ventures ESPP, which was terminated as of
May&nbsp;27, 2005. All of these plans are collectively referred
to as the Retail Ventures Plans. After the offering, some of our
officers and employees may also participate in the Retail
Venture Plans, other than the Retail Ventures ESPP.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After the offering, awards previously issued under the Retail
Ventures Plans will remain outstanding and will continue to be
earned or exercisable under their terms.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
All of the Retail Ventures Plans (other than the Retail Ventures
ESPP) are administered by the Retail Ventures board of
directors, or a committee comprised of independent board members
who are &#147;outside directors&#148; within the meaning of
Section&nbsp;162(m) of the Code. The Retail Ventures ESPP was
administered by a committee comprised of several Retail Ventures
employees.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to the terms of each plan, the administrator of each
Retail Ventures Plan decides who may participate, when awards
are granted, the number and types of awards granted and the
terms and conditions that must be met to earn the award,
including the period over which a cash award is earned and the
period over which an equity award may be earned and exercised or
settled. The plan administrator also determines the exercise
price of the stock options and stock appreciation rights granted
under any Retail Ventures Plans.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to shareholder approval in certain instances, the Retail
Ventures board of directors may amend, suspend or terminate the
Retail Ventures Plans at any time, provided that no such
amendment, suspension or termination may adversely affect any
award previously granted to a participant without their consent.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Awards granted under the Retail Ventures Plans are generally not
transferable by the participant except by will or the laws of
descent and distribution, and options are exercisable, during
the lifetime of the participant, only by the participant or his
guardian or legal representative, unless otherwise permitted by
the plan administrator.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
With the exception of the Retail Ventures ESPP, the Retail
Ventures Plans are intended to permit the payment of
performance-based compensation within the meaning of
Section&nbsp;162(m) of the Code, which generally limits the
deduction that Retail Ventures may take for compensation paid in
excess of $1,000,000 to certain of its &#147;covered
officers&#148; in any one calendar year. Under
Section&nbsp;162(m) of the Code, compensation that is
&#147;qualified performance-based compensation&#148; within the
meaning of Section&nbsp;162(m) of the Code, will not be subject
to this limitation if certain requirements are met. Any payments
that are intended to be deductible as &#147;qualified
performance-based compensation&#148; under Section&nbsp;162(m)
of the Code must be based on one or more of the performance
measures listed in the Retail Ventures Plans as previously
approved by the shareholders of Retail Ventures and which
otherwise satisfy requirements applicable to &#147;qualified
performance-based compensation&#148; under Section&nbsp;162(m)
of the Code.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>The Retail Ventures 1991 Option Plan</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Retail Ventures 1991 Option Plan expired in 2001, although
some awards granted before that date remain outstanding and may
yet be exercised.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Retail Ventures 1991 Option Plan authorizes the committee
administering the plan to grant incentive stock options (within
the meaning of Section&nbsp;422 of the Code) to employees and to
grant nonstatutory stock options and tax offset awards to
employees and consultants. A tax offset award is a cash payment
intended to
</DIV>

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<DIV align="left" style="font-size: 10pt;">
reimburse an employee or a consultant for a portion of the
income taxes incurred when exercising a nonstatutory stock
option or selling an incentive stock option at a time that
generates ordinary income taxes.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Retail Ventures 1991 Plan provides that (i)&nbsp;all options
held by a participant who retires (i.e., terminates after
reaching age 60 or completing 30&nbsp;years of service) will
become exercisable and may be exercised anytime within
30&nbsp;days after retirement or, if shorter, the date the
option would expire under its terms, (ii)&nbsp;all options held
by a participant who terminates because of death or disability
(as defined in the Retail Ventures 1991 Option Plan) will become
exercisable and may be exercised anytime within one year after
termination because of disability or, if shorter, the date the
option would expire under its terms, and (iii)&nbsp;all
exercisable options held by a participant who terminates (or is
terminated) for any other reason (other than for
&#147;cause&#148; as defined in the Retail Ventures 1991 Plan)
may be exercised anytime within 30&nbsp;days after termination
or, if shorter, the date the option would expire under its terms
and all options that are not exercisable at termination will be
forfeited. All options (whether or not then exercisable) held by
a participant who is terminated for &#147;cause&#148; (as
defined in the Retail Ventures 1991 Plan) are forfeited and may
not be exercised at any time.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the event of a change in control of Retail Ventures (as
defined in the Retail Ventures 1991 Plan) all options that are
outstanding on the date of the change in control will become
exercisable for a period of 30&nbsp;days ending on the date of
the change in control and will expire on the date of the change
in control if they are not exercised before that date.
</DIV>

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    <TD>
    <B><I>The Retail Ventures 2000 Stock Incentive Plan</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Retail Ventures 2000 Stock Incentive Plan authorizes the
committee administering the plan to grant incentive stock
options (within the meaning of Section&nbsp;422 of the Code) to
employees and nonstatutory stock options, stock appreciation
rights, restricted stock, performance units and performance
shares to employees, consultants and directors.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Retail Ventures 2000 Stock Incentive Plan provides that
(i)&nbsp;all options and stock appreciation rights held by a
participant who terminates employment after qualifying for
retirement under a tax-qualified retirement plan or terminates
because of death or disability (as defined in the Retail
Ventures 2000 Stock Incentive Plan), may be exercised anytime
within one year (three months in the case of incentive stock
options held by an employee who is retiring) after termination
because of retirement, death or disability or, if shorter, the
date the option would expire under its terms; and (ii)&nbsp;all
options and stock appreciation rights held by a participant who
terminates (or is terminated) for any other reason, may not be
exercised after termination unless the committee specifically
provides for a post-termination exercise period which may not be
longer than three months. The effect of terminations of
employment on restricted stock, performance units or performance
shares is specified in individual award agreements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the event of a change in control of Retail Ventures (as
defined in the Retail Ventures 2000 Stock Incentive Plan) all
options that are outstanding on the date of the change in
control will become exercisable immediately. No similar plan
provision is available for other types of awards granted under
the Retail Ventures 2000 Stock Incentive Plan, although
individual award agreements may provide for the exercisability
of other types of awards if there is a change in control. As of
the date of this prospectus, none of our named executive
officers has any such acceleration provisions in their award
agreements.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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    <TD>
    <B><I>The Retail Ventures 2003 Incentive Plan</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Retail Ventures 2003 Incentive Plan is designed to provide
additional incentive cash compensation to officers of Retail
Ventures if pre-established performance criteria specified in
the plan are met. The maximum annual incentive compensation that
any covered officer may earn under the Retail Ventures 2003
Incentive Plan is $4,000,000.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
A covered officer who terminates employment with Retail Ventures
and all related entities for any reason other than death or
disability before the end of a performance period will forfeit
any right to receive incentive compensation for the performance
period. However, a covered officer who terminates his or her
employment
</DIV>

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<DIV align="left" style="font-size: 10pt;">
with Retail Ventures and all related entities because of death
or disability (as defined in the Retail Ventures 2003 Incentive
Plan) will receive a prorated amount under the Retail Ventures
2003 Incentive Plan, but only if applicable performance goals
are actually achieved as of the end of that performance period.
The amount paid in these circumstances is the incentive
compensation the deceased or disabled employee would have
received at the end of the performance period multiplied by a
fraction, the numerator of which is the number of days between
the beginning of the performance period and the date employment
terminated and the denominator of which is the total number of
days included in the performance period.
</DIV>

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    <TD></TD>
    <TD>
    <B><I>The Retail Ventures ESPP</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Retail Ventures ESPP was a broad based employee share
purchase plan through which employees were able to purchase
Retail Ventures shares through a weekly payroll deduction.
Retail Ventures matched 15% of each authorized payroll
deduction. The Retail Ventures ESPP was terminated effective
May&nbsp;27, 2005. Participants are always fully vested in
shares purchased through the Retail Ventures ESPP and may sell
them at any time.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>The DSW Incentive Plans</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In connection with the offering, we expect that our board of
directors will adopt and our shareholders will approve the DSW
Inc. 2005 Equity Incentive Plan, or the DSW 2005 Equity Plan,
and the DSW Inc. 2005 Cash Incentive Compensation Plan, or the
DSW 2005 Cash Plan, to enable us to attract, retain and reward
outstanding employees, directors and consultants through cash
incentives and/or equity-based compensatory awards, including
incentive stock options (within the meaning of Section&nbsp;422
of the Code), non-qualified stock options, performance shares,
performance units, restricted stock, restricted stock units,
stock appreciation rights and stock units. The DSW 2005 Equity
Plan and the DSW 2005 Cash Plan are collectively referred to as
the DSW Plans. Immediately following the pricing of but prior to
the consummation of this offering, we expect to have granted
employee stock options to purchase up to 900,000&nbsp;registered
Class&nbsp;A Common Shares at an exercise price per share equal
to the initial public offering price per share and up to
100,000&nbsp;restricted Class&nbsp;A Common Shares and stock
units, will have been issued to employees at a price per share
equal to the initial public offering price per share. These
awards remain subject to approval by the DSW&nbsp;board of
directors prior to the consummation of this offering.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After the offering, some of our officers, including those who
also simultaneously hold positions with Retail Ventures, may
participate in both the Retail Ventures Plans described above
and in the DSW Plans. Also, some Retail Ventures employees
providing services to DSW may be eligible to participate in the
DSW Plans.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The DSW Plans will be administered by the compensation committee
of our board of directors with respect to awards granted to
consultants and employees after the offering and by the entire
board with respect to awards granted to employees and
consultants before the offering and to non-employee directors
before and after the offering. The compensation committee is
comprised of at least two members who satisfy the independence
requirements of current NYSE listing standards, are
&#147;outside directors&#148; within the meaning of
Section&nbsp;162(m) of the Code, and are &#147;non-employee
directors&#148; within the meaning of Rule&nbsp;16b-3 under the
Exchange Act.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Awards granted under the DSW Plans are generally not
transferable by the participant except by will or the laws of
descent and distribution, and each award is exercisable, during
the lifetime of the participant, only by the participant or his
guardian or legal representative, unless permitted by the
committee.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The DSW Plans are intended to permit us to deliver
performance-based compensation within the meaning of
Section&nbsp;162(m) of the Code, which generally limits the
deduction that we may take for compensation paid in excess of
$1,000,000 to certain of our executive officers in any one
calendar year. Under Section&nbsp;162(m) of the Code,
compensation that is &#147;qualified performance-based
compensation&#148; within the meaning of Section&nbsp;162(m) of
the Code, will not be subject to this limitation if certain
requirements are met. Any awards that are intended to be
deductible as &#147;qualified performance-based
compensation&#148; under Section&nbsp;162(m) of the Code must be
based on one or more of the performance measures listed in the
DSW
</DIV>

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<DIV align="left" style="font-size: 10pt;">
Plans and otherwise satisfy the requirements applicable to
&#147;qualified performance-based compensation&#148; under
Section&nbsp;162(m) of the Code.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the event of a change in control of DSW all awards will vest
or become exercisable and generally will be settled for cash.
However, the value of any acceleration of vesting will, if
appropriate, be reduced to avoid any golden parachute penalties
under Sections&nbsp;280G or 4999 of the Code unless otherwise
provided in an award agreement or another written agreement
(such as an employment agreement) between DSW and an affected
employee. Generally, a change in control is defined in the DSW
Plans to include (i)&nbsp;a change in a majority of DSW&#146;s
directors during any 12-month period, (ii)&nbsp;with some
exceptions (including exceptions for acquisitions by Retail
Ventures, SSC, trusts established for members of the
Schottenstein family and Cerberus Partners Ltd.), the
acquisition by any person (or a group of persons acting
together) of more than 30% of DSW&#146;s outstanding voting
securities and sufficient voting power to elect a majority of
DSW&#146;s board, (iii)&nbsp;a merger or business combination
affecting DSW and after which DSW shareholders hold less than
50% of the surviving entity&#146;s voting power, (iv)&nbsp;a
complete dissolution or liquidation of DSW and (v) any other
transaction that the DSW board decides will have at least as
material an effect on DSW as any of the transactions specified
above.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our board or the compensation committee of the board may
terminate, suspend or amend the DSW Plans at any time without
shareholder approval, except to the extent necessary to satisfy
applicable law or listing requirements. However, generally no
amendment may adversely affect any rights of a participant under
an outstanding award without their consent. Unless terminated
sooner, the DSW 2005 Equity Plan will terminate automatically
ten years from the date of its implementation.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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<TR>
    <TD width="3%"></TD>
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</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>The DSW 2005 Equity Plan</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The DSW 2005 Equity Plan authorizes 4,600,000&nbsp;shares of our
common shares to be issued under the plan, all of which may be
issued through the exercise of incentive stock options. The DSW
2005 Equity Plan also provides that any shares subject to an
unfulfilled award (e.g., a forfeited option or an award settled
in cash) may be subject to a subsequent award under the plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The DSW 2005 Equity Plan provides that our employees may receive
incentive stock options, our employees and consultants may
receive nonstatutory stock options, restricted stock, restricted
stock units, performance shares and performance units and stock
appreciation rights and that our non-employee directors (and
directors of any of our affiliates) may receive nonstatutory
options, restricted stock or restricted stock unit awards. The
DSW 2005 Equity Plan also permits non-employee directors to
elect to receive all or a portion (in 25% increments) of their
annual cash retainer and other director fees in the form of
stock units. Each stock unit represents the right to receive the
fair market value of one of our common shares. Our non-employee
directors also will automatically receive 50% of their fees in
the form of stock units which will be immediately vested but
will be settled in shares of our stock only when they leave the
board.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The DSW 2005 Equity Plan allows the compensation committee, in
its discretion, to issue stock options to purchase shares of DSW
under the DSW 2005 Equity Plan in substitution for stock options
to purchase shares of Retail Ventures previously granted to our
employees under the Retail Ventures 1991 Option Plan and/or the
Retail Ventures 2000 Stock Incentive Plan. The aggregate value
and general features of these substitute options are determined
in accordance with Section&nbsp;424 of the Code and the
regulations thereunder.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The maximum number of our shares underlying options that may be
issued annually to any executive officer is 500,000 and the
maximum number of whole-share grants (such as restricted stock
and performance shares) is 100,000.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The DSW 2005 Equity Plan limits participants&#146; ability to
exercise awards they hold when they terminate employment. Under
these rules (and unless the award agreement specifies
otherwise), (i)&nbsp;all awards held by a participant who
retires (i.e., terminates after reaching age 65 and completing
five years of service) becomes disabled (as defined in the DSW
2005 Equity Plan) or dies will become exercisable and may be
exercised anytime within one year (three months in the case of
incentive stock options held by an employee who is retiring)
after termination because of retirement, disability or death or,
if shorter, the date the award would
</DIV>

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<DIV align="left" style="font-size: 10pt;">
expire under its terms and (ii)&nbsp;all exercisable awards held
by a participant whose employment terminates for any other
reason (other than for &#147;cause&#148; as defined in the DSW
2005 Equity Plan) may be exercised anytime within 90&nbsp;days
after termination or, if shorter, the date the award would
expire under its terms and all awards that are not exercisable
at termination will be forfeited. All awards (whether or not
then exercisable) held by a participant who is terminated for
&#147;cause&#148; (as defined in the DSW 2005 Equity Plan) are
immediately forfeited and may not be exercised at any time.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to applicable legal requirements, at any time prior to a
change in control of DSW, the compensation committee is
authorized to cancel any or all outstanding stock options and
other awards granted under the DSW 2005 Equity Plan. Upon
cancellation, we are obligated to pay the participants only with
respect to those options and awards that are then exercisable.
With respect to outstanding stock options that are exercisable
when cancelled, we will pay the participant the difference
between the fair market value of the common shares underlying
the stock option and the exercise price of the stock option.
With respect to other awards under the DSW 2005 Equity Plan
which are exercisable when cancelled, we will pay the
participant the fair market value of the common shares subject
to the award.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Based on federal income tax laws currently in effect, we believe
that we will not be entitled to a federal income tax deduction
when an incentive stock option, nonstatutory stock option,
restricted stock award, restricted stock unit award, performance
stock award, performance stock unit award or stock unit award is
granted and participants will not be required to include any
amount in federal taxable income at that time. Except in the
case of incentive stock options, we will be entitled to a
federal income deduction in the year these awards are settled or
exercised and participants will be required to recognize
ordinary federal income taxes on the same amount in the same
year. The amount of our federal income tax deduction (and the
amount simultaneously taxable to the participant) will be the
fair market value of the award when it is settled in the case of
a restricted stock award, restricted stock unit award,
performance stock award, performance stock unit award and stock
unit award. In the case of nonstatutory stock options, the
amount of our federal income tax deduction (and the amount
simultaneously taxable to participants) will be the difference
between the price a participant pays to exercise the
nonstatutory stock option and the fair market value of the stock
acquired when the option is exercised. Generally, upon exercise
of an incentive stock option, we would not be entitled to any
federal income tax deduction and the participant would not
recognize income upon exercise. If the participant (i)&nbsp;does
not dispose of the shares within two years after the date of the
grant and one year after the transfer of shares upon exercise
and (ii)&nbsp;is an employee of ours or of one of our
subsidiaries from the date of the grant through and until three
months before the exercise date, any gain from a subsequent sale
of shares acquired through incentive stock options would be
taxed to the participant as a long-term capital gain and we
would not be entitled to a federal income tax deduction.
However, if a participant does not satisfy the requirements of
clauses&nbsp;(i) and&nbsp;(ii) above, we will be entitled to a
federal income tax deduction equal to the difference between the
price a participant paid to exercise the incentive stock option
and the fair market value of the stock acquired when the option
was exercised and the participant will be required to recognize
ordinary income in the same amount.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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    <TD width="3%"></TD>
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</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>The DSW 2005 Cash Plan</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The DSW 2005 Cash Plan authorizes the compensation committee to
designate employees (including executive officers and employees
who are not executive officers) who may earn additional cash
compensation under the DSW 2005 Cash Plan, to identify
business-related performance goals that must be met over a
performance period specified by the compensation committee as a
condition of the payment of the incentive compensation and to
specify the amount of the cash bonus to be paid if those
performance goals are met. The performance goals that executive
officers must achieve to earn a cash bonus are derived from
criteria listed in the DSW 2005 Cash Plan. Employees who are not
executive officers also may earn a cash bonus under the DSW 2005
Cash Plan, although their performance goals may be based on
criteria not listed in the DSW 2005 Cash Plan. The compensation
committee must establish performance goals as soon as
administratively practicable before the beginning of the
performance period but, in the case of executive officers, no
later than 90&nbsp;days after the beginning of the performance
period or the expiration of 25% of the performance period,
whichever is earliest.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
At the end of each performance period, the compensation
committee will ascertain whether each employee has or has not
met applicable performance goals and certify those results to
our board of directors along with a statement of the amount of
any cash bonus earned. If an employee has not met applicable
performance goals, he or she will not receive a cash bonus under
the DSW 2005 Cash Plan for that performance period. If an
employee has met applicable performance goals, DSW will pay the
stipulated cash bonus as soon as administratively practicable
but in no case later than two and one-half months after the end
of our fiscal year during which the performance period ends or
the calendar year during which the performance period ends,
whichever is latest. The maximum annual bonus that any executive
officer may earn under the DSW 2005 Cash Plan is $3,000,000.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
An employee who terminates employment for any reason other than
death or disability before the end of a performance period will
forfeit any right to receive a bonus during that performance
period. However, an employee who terminates employment because
of death or disability (as defined in the DSW 2005 Cash Plan)
will receive a prorated bonus under the DSW 2005 Cash Plan but
only if applicable performance goals are actually achieved at
the end of that performance period. The amount paid in these
circumstances is the bonus the deceased or disabled employee
would have received at the end of the performance period
multiplied by a fraction, the numerator of which is the number
of days between the beginning of the performance period and the
date employment terminated and the denominator of which is the
total number of days included in the performance period.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Based on federal income tax laws currently in effect, we believe
that we will be entitled to a federal income tax deduction equal
to the full amount paid from the DSW 2005 Cash Plan in the year
it is paid and that employees receiving payments from the DSW
2005 Cash Plan will be required to recognize ordinary income in
the same year.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Benefit Plans</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After the completion of this offering, we will continue to
participate in certain of the health and welfare benefit plans
that are sponsored by Retail Ventures. Such plans include a
health and medical plan, prescription drug plan, vision service
plan, optional dental plan, life insurance plans, disability
plans, and a cafeteria plan subject to Section&nbsp;125 of the
Code.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our full-time employees who attain age twenty-one may contribute
up to thirty percent of their compensation on a pre-tax basis to
a profit sharing and 401(k) plan, subject to Internal Revenue
Service limitations. Part-time employees may contribute to the
plan after attaining age twenty-one and completing one year of
service as defined in the plan. We match employee deferrals into
the plan, 100% on the first 3% of eligible compensation deferred
and 50% on the next 2% of eligible compensation deferred.
Matching begins after one year of qualified service.
Additionally, we may contribute a discretionary profit sharing
amount to the plan each year. The plan offers participants a
diverse choice of investment options and contains provisions for
loans and hardship withdrawals.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Employment Contracts, Termination of Employment and
Change-in-Control Arrangements</B>
</DIV>

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    <TD></TD>
    <TD>
    <B><I>Employment Agreements</I></B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We do not expect to enter into an employment agreement with
Mr.&nbsp;Schottenstein, our Chief Executive Officer. Mr.
Schottenstein was appointed on March 14, 2005, and his annual
salary is $250,000.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have entered into an employment agreement with
Ms.&nbsp;Ferr&#233;e, our President and Chief Merchandising
Officer, which became effective on November&nbsp;22, 2004. The
agreement provides for an indefinite term (which terminates upon
the executive&#146;s death, disability (as such term is defined
in the agreement), voluntary termination by the executive or
involuntary termination by us). Under the agreement,
Ms.&nbsp;Ferr&#233;e will receive an annual base salary of
$700,000, which will be increased annually by a minimum of 2.5%
over the previous year&#146;s base salary. Ms.&nbsp;Ferr&#233;e
will also participate in our bonus (cash incentive) plans with a
target bonus opportunity of 100% of base salary and a maximum
annual bonus of 200% of base salary. The agreement also provides
for Ms.&nbsp;Ferr&#233;e&#146;s participation in our employee
pension or welfare benefit plans at a
</DIV>

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<DIV align="left" style="font-size: 10pt;">
level commensurate with her title and position and provides an
entitlement to an annual perquisite allowance from us of $40,000.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If the employment of Ms.&nbsp;Ferr&#233;e is involuntarily
terminated by us without cause, or if Ms.&nbsp;Ferr&#233;e
terminates her employment with us for good reason, as such term
is defined in her employment agreement, Ms.&nbsp;Ferr&#233;e
will be entitled to receive payment of her base salary through
the end of 2007 if such termination occurs prior to the end of
the 2006 or for a 12&nbsp;month period beginning on the date of
termination if such termination occurs on or after
January&nbsp;1, 2007; up to 18&nbsp;months reimbursement for the
cost of health care continuation; a pro-rata portion of any cash
incentive bonus for the year of termination and one year of
accelerated vesting with respect to her outstanding stock
options. The agreement with Ms.&nbsp;Ferr&#233;e also contains
confidentiality and non-disparagement provisions effective
through the term of the agreement, a non-competition provision
effective through the longer of one year following termination
of employment or the period of any salary continuation, and a
non-solicitation provision effective through the longer of two
years following termination of employment or the period of any
salary continuation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Mr.&nbsp;McGrady, the Executive Vice President, Chief Financial
Officer and Secretary of Retail Ventures and Vice President and
a director of DSW entered into an employment agreement with
Retail Ventures effective June&nbsp;21, 2000. The agreement has
an initial term ending June&nbsp;21, 2003, with automatic
one-year extensions unless either party gives 60&nbsp;calendar
days notice of intent not to extend the agreement. The agreement
originally provided for an annual salary of $300,000 (which the
Retail Ventures president, with the approval of the Chairman of
Retail Ventures, may increase at his discretion) and a bonus of
at least 40% of his base salary if board approved,
predetermined, performance measures set annually are met. On
March&nbsp;30, 2005, Mr.&nbsp;McGrady&#146;s salary was
increased to $475,000, and he received a bonus of $200,000 for
fiscal 2004. The agreement also provides for
Mr.&nbsp;McGrady&#146;s participation in the deferred
compensation or other employee benefit plans, insurance plans,
discount privileges, incentive plans and other employee welfare
plans generally available to the executives of Retail Ventures.
The agreement also provides for a vehicle allowance. If
Mr.&nbsp;McGrady&#146;s employment is terminated by Retail
Ventures &#147;without cause&#148; as defined in his agreement,
and other than pursuant to Retail Ventures providing notice of
its intent not to renew the agreement, then Mr.&nbsp;McGrady
will be entitled to receive 12&nbsp;months of base salary,
12&nbsp;months of reimbursement for the cost of health care
continuation and any cash incentive bonus declared but not paid.
The agreement also contains confidentiality provisions effective
through the term of the agreement, a non-competition provision
effective through the longer of one year following termination
of employment or the period of any salary continuation, and a
non- solicitation provision effective through the longer of two
years following termination of employment or the period of any
salary continuation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have entered into an employment agreement with
Mr.&nbsp;Horvath, our Executive Vice President and Chief
Operating Officer, which became effective on January&nbsp;3,
2005. The agreement provides for an indefinite term (which
terminates upon Mr.&nbsp;Horvath&#146;s death, disability (as
such term is defined in the agreement), voluntary termination by
Mr.&nbsp;Horvath or involuntary termination by us). Under the
agreement, Mr.&nbsp;Horvath will receive an annual base salary
of $500,000, which will be increased annually by a minimum of
2.5% over the previous year&#146;s base salary. In addition,
Mr.&nbsp;Horvath received a signing bonus of $75,000 upon
entering into the agreement. Mr.&nbsp;Horvath will also
participate in our bonus (cash incentive) plans with a target
bonus opportunity of 100% of base salary and a maximum annual
bonus of 200% of base salary. The agreement also provides for
Mr.&nbsp;Horvath&#146;s participation in our employee pension or
welfare benefit plans at a level commensurate with his title and
position and provides an entitlement to an annual perquisite
allowance from us of $40,000.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If the employment of Mr.&nbsp;Horvath is involuntarily
terminated by us without cause, or if Mr.&nbsp;Horvath
terminates his employment with us for good reason, as such term
is defined in his employment agreement, Mr.&nbsp;Horvath will be
entitled to receive payment of his base salary through the end
of 2008 if such termination occurs prior to the end of 2006 or
for a 12&nbsp;month period beginning on the date of termination
if such termination occurs on or after January&nbsp;1, 2007; up
to 18&nbsp;months reimbursement for the cost of health care
continuation; a pro-rata portion of any cash incentive bonus for
the year of termination and one year of accelerated vesting with
respect to his outstanding stock options. The agreement with
Mr.&nbsp;Horvath also contains confidentiality and
non-disparagement provisions effective through the term of the
agreement, a non-
</DIV>

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<DIV align="left" style="font-size: 10pt;">
competition provision effective through the longer of one year
following termination of employment or the period of any salary
continuation, and a non-solicitation provision effective through
the longer of two years following termination of employment or
the period of any salary continuation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have entered into an employment agreement with
Mr.&nbsp;Probst, our Senior Vice President, Chief Financial
Officer and Treasurer, effective as of March&nbsp;14, 2005. The
agreement provides for an indefinite term (which terminates upon
Mr.&nbsp;Probst&#146;s death, disability (as such term is
defined in his employment agreement), voluntary termination by
Mr.&nbsp;Probst or involuntary termination by us). The agreement
provides for an annual salary of $350,000 and a cash bonus of
80% of his base salary if board approved, predetermined
performance measures set annually are met. For fiscal year 2005,
Mr.&nbsp;Probst is guaranteed a cash bonus of 80% of his base
salary. In addition, Mr.&nbsp;Probst received a signing bonus in
the gross amount of $40,000 upon entering into the agreement. If
Mr.&nbsp;Probst voluntarily resigns from DSW in the first
12&nbsp;months of his date of hire, he is required to repay the
net amount of the bonus to us. The agreement also provides for
Mr.&nbsp;Probst&#146;s participation in our employee pension or
welfare benefit plans at a level commensurate with his title and
position. The agreement also provides for a vehicle allowance
and fuel card. If Mr.&nbsp;Probst&#146;s employment is
terminated by us &#147;without cause&#148; or for &#147;good
reason,&#148; in each case as defined in his agreement, then
Mr.&nbsp;Probst will be entitled to 12&nbsp;months of base
salary, 12&nbsp;months of reimbursement for the cost of health
care continuation, a pro-rata portion of any cash incentive
bonus for the year of termination, and one year of accelerated
vesting with respect to his outstanding stock options. The
agreement also contains confidentiality and non-disparagement
provisions effective through the term of the agreement, a
non-competition provision effective through the longer of one
year following termination of employment or the period of any
salary continuation, and a non-solicitation provision effective
through the longer of two years following termination of
employment or the period of any salary continuation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Ms.&nbsp;Davis, Executive Vice President and General Counsel of
DSW and Retail Ventures, who will also act as Secretary of DSW
and Assistant Secretary of Retail Ventures, entered into an
employment agreement with Retail Ventures effective as of
April&nbsp;29, 2004. The agreement provides for an indefinite
term (which terminates upon the executive&#146;s death,
disability (as such term is defined in her employment
agreement), voluntary termination by Ms.&nbsp;Davis or
involuntary termination by Retail Ventures). The agreement
originally provided for an annual salary of $260,000 and a cash
bonus of 50% of her base salary if board approved, predetermined
performance measures set annually are met. In addition, for each
year Ms.&nbsp;Davis&#146; annual salary is less than $300,000,
she will receive a minimum guaranteed bonus to raise her salary
to $300,000. On March&nbsp;30, 2005, Ms. Davis&#146; salary was
increased to $300,000 and she received a bonus of $150,000 for
fiscal 2004. The agreement also provides for
Ms.&nbsp;Davis&#146; participation in the employee pension or
welfare benefit plans of Retail Ventures at a level commensurate
with her title and position. The agreement also provides for a
vehicle allowance and fuel card. If Ms.&nbsp;Davis&#146;s
employment is terminated by Retail Ventures &#147;without
cause&#148; as defined in her agreement, then Ms.&nbsp;Davis
will be entitled to 12&nbsp;months of base salary,
12&nbsp;months of reimbursement for the cost of health care
continuation, a pro-rata portion of any cash incentive bonus for
the year of termination, and one year of accelerated vesting
with respect to her outstanding stock options. The agreement
also contains confidentiality and non-disparagement provisions
effective through the term of the agreement, a non-competition
provision effective through the longer of one year following
termination of employment or the period of any salary
continuation, and a non-solicitation provision effective through
the longer of two years following termination of employment or
the period of any salary continuation.
</DIV>

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    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

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    <TD></TD>
    <TD>
    <B><I>Termination of Employment</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On November&nbsp;3, 2004, the board of directors of Retail
Ventures voted to terminate John&nbsp;C. Rossler, President and
Chief Executive Officer of Retail Ventures, and Edwin&nbsp;J.
Kozlowski, President and Chief Operating Officer of Retail
Ventures, and to terminate their respective employment
agreements &#147;without cause&#148; in accordance with the
terms of the agreements. In connection with their terminations
of employment, Messrs.&nbsp;Rossler and Kozlowski each entered
into confidential settlement agreements and releases with Retail
Ventures in March 2005.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Mr.&nbsp;Rossler&#146;s employment agreement, dated effective as
of February&nbsp;3, 2002, provided for an annual salary of
$700,000 with annual increases of 2.5%. Pursuant to its terms,
on termination &#147;without cause&#148; (as such term is
defined in his employment agreement), Mr.&nbsp;Rossler became
entitled to receive 12&nbsp;months of his base salary plus
reimbursement for his cost of maintaining continuing health care
coverage for a period of up to 18&nbsp;months following his
termination. Mr.&nbsp;Rossler has a duty to mitigate these
payments pursuant to the terms of his employment agreement. In
addition, (i)&nbsp;Mr.&nbsp;Rossler is entitled to a pro rata
incentive compensation payment based on the extent to which
performance standards are met on the last day of the year in
which he is terminated without cause; and (ii)&nbsp;subject to
the terms of Retail Ventures&#146; stock incentive plan and any
applicable award agreement, (a)&nbsp;all stock options held by
Mr.&nbsp;Rossler will be fully vested and exercisable,
(b)&nbsp;all restrictions then imposed on any restricted stock
(other than those imposed by any applicable state or federal
statute) held by Mr.&nbsp;Rossler will lapse and be removed and
the shares will be distributed to him, and (c)&nbsp;all
performance stock options held by Mr.&nbsp;Rossler will be fully
vested and exercisable. In consideration of the payments made
and benefits provided to Mr.&nbsp;Rossler upon his termination
of employment without cause, Mr.&nbsp;Rossler has agreed to
non-competition and non-solicitation restrictions which remain
in effect until the second anniversary of his termination of
employment and to a standard confidentiality covenant. Pursuant
to the settlement agreement with Mr.&nbsp;Rossler, the effective
date of Mr.&nbsp;Rossler&#146;s termination of employment was
January&nbsp;14, 2005 and he will receive severance as described
above through December&nbsp;20, 2005. Mr.&nbsp;Rossler waived
any claim to an incentive compensation payment for fiscal 2004.
In addition, under the settlement agreement, Mr. Rossler agreed
to release Retail Ventures from all claims relating to his
employment.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Mr.&nbsp;Kozlowski&#146;s employment agreement, dated effective
as of February&nbsp;3, 2002, provided for an annual salary of
$500,000 with annual increases of 2.5%. Pursuant to its terms,
on termination &#147;without cause&#148; (as such term is
defined in his employment agreement), Mr.&nbsp;Kozlowski became
entitled to receive 12&nbsp;months of his base salary plus
reimbursement for his cost of maintaining continuing health care
coverage for a period of up to 18&nbsp;months following his
termination. Mr.&nbsp;Kozlowski has a duty to mitigate these
payments pursuant to the terms of his employment agreement. In
addition, (i)&nbsp;Mr.&nbsp;Kozlowski is entitled to a pro rata
incentive compensation payment based on the extent to which
performance standards are met on the last day of the year in
which he is terminated without cause; and (ii)&nbsp;subject to
the terms of Retail Ventures&#146; stock incentive plan and any
applicable award agreement, (a)&nbsp;all stock options held by
Mr.&nbsp;Kozlowski will be fully vested and exercisable,
(b)&nbsp;all restrictions then imposed on any restricted stock
(other than those imposed by any applicable state or federal
statute) held by Mr.&nbsp;Kozlowski will lapse and be removed
and the shares will be distributed to him, and (c)&nbsp;all
performance stock options held by Mr.&nbsp;Kozlowski will be
fully vested and exercisable. In consideration of the payments
made and benefits provided to Mr.&nbsp;Kozlowski upon his
termination of employment without cause, Mr.&nbsp;Kozlowski has
agreed to non-competition and non-solicitation restrictions
which remain in effect until the second anniversary of his
termination of employment and to a standard confidentiality
covenant. Pursuant to the settlement agreement with
Mr.&nbsp;Kozlowski, the effective date of
Mr.&nbsp;Kozlowski&#146;s termination of employment was
January&nbsp;14, 2005 and he will receive severance as described
above through December&nbsp;7, 2005. Mr.&nbsp;Kozlowski waived
any claim to an incentive compensation payment for the year
2004. Pursuant to the settlement agreement, Mr.&nbsp;Kozlowski
will keep the automobile in his possession as of the date of the
settlement agreement, with the cash value of the automobile
being considered severance pay under the employment agreement,
and he agreed to repay in full by April&nbsp;15, 2005 the
balance of the loan made to him by Retail Ventures to cover
certain expenses related to personal benefits. This loan was
repaid in full by Mr. Kozlowski in April 2005. In addition,
under the settlement agreement, Mr.&nbsp;Kozlowski agreed to
release Retail Ventures from all claims relating to his
employment.
</DIV>

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<DIV align="left" style="font-size: 10pt;">
<A name='113'></A>
</DIV>

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<B>THE TRANSACTIONS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering, we
intend to complete a series of related repayment and refinancing
transactions, which include the following principal components:
</DIV>

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    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    We expect to be released from our obligations under the Value
    City revolving credit facilities, and we expect to enter into a
    new five-year secured revolving credit facility.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    We expect to be released from our obligations under the Value
    City term loan and senior subordinated convertible loan
    facilities.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    We expect to repay $190.0&nbsp;million of intercompany
    indebtedness incurred to fund dividends to Retail Ventures.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Our New Secured Revolving Credit Facility</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering,
Retail Ventures will refinance the existing Value City credit
facilities, and we expect to be released from our obligations as
a co-borrower or co-guarantor thereunder. Simultaneously, we
expect to enter into a new $150&nbsp;million secured revolving
credit facility with a term of the five years. Under this new
facility, we expect that we and our subsidiary, DSWSW, will be
named as co-borrowers. This new facility is expected to have
borrowing base restrictions and will provide for borrowings at
variable interest rates based on LIBOR, the prime rate and the
Federal Funds effective rate, plus a margin. Our obligations
under our new secured revolving credit facility will be secured
by a lien on substantially all our and our subsidiary&#146;s
personal property and a pledge of our shares of DSWSW. In
addition, our new secured revolving credit facility will contain
usual and customary restrictive covenants relating to our
management and the operation of our business. These covenants
will, among other things, restrict our ability to grant liens on
our assets, incur additional indebtedness, open or close stores,
pay cash dividends and redeem our stock, enter into transactions
with affiliates and merge or consolidate with another entity. In
addition, if at any time we utilize over 90% of our borrowing
capacity under this facility, we must comply with a fixed charge
coverage ratio test set forth in the facility documents. See
&#147;Description of Indebtedness.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Repayment of Intercompany Debt</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
With the net proceeds of this offering, we expect to repay
$190.0&nbsp;million of intercompany indebtedness incurred to
fund dividends to Retail Ventures. See &#147;Use of
Proceeds.&#148; Immediately following this offering, no
intercompany indebtedness will remain outstanding.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

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<DIV align="left" style="font-size: 10pt;">
<A name='114'></A>
</DIV>

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<B>CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>General</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to this offering, we were operated as a direct
wholly-owned subsidiary of Retail Ventures. Immediately
following this offering, Retail Ventures will continue to own
approximately 66.2% of our Common Shares and will control 94.0%
of the combined voting power of our Common Shares. If the
underwriters&#146; option to purchase additional shares is
exercised in full, immediately following this offering, Retail
Ventures will own 63.0% of our Common Shares and will control
93.2% of the combined voting power of our Common Shares. Retail
Ventures will continue to have the power acting alone to approve
any action requiring a vote of the majority of our voting shares
and to elect all our directors.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, SSC owned approximately 48.2% on a
fully diluted basis of the outstanding common shares of Retail
Ventures and, as a result, exercised significant power acting
alone to approve any action requiring a vote of the majority of
the voting shares of Retail Ventures and to elect all of Retail
Ventures&#146; directors. As of April&nbsp;30, 2005, Jay
Schottenstein, the Chairman of Retail Ventures, beneficially
owned approximately 78.4% of the common shares of SSC. For
fiscal 2002, fiscal 2003 and fiscal 2004, we paid approximately
$14.9&nbsp;million, $5.7&nbsp;million and $10.3&nbsp;million,
respectively, in total fees and expenses to SSC. See
&#147;&#151;&nbsp;Leases and Subleases,&#148; &#147;Corporate
Services Agreement with SSC,&#148; and &#147;&#151;&nbsp;Notes,
Credit Agreements and Guarantees.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the ordinary course of business, we have entered into a
number of agreements with Retail Ventures, Value City and SSC
and their affiliates relating to our business and our
relationship with these companies, the material terms of which
are described below. We believe that each of the agreements
entered into with these entities is on terms at least as
favorable to us as could be obtained in an arm&#146;s length
transaction with an unaffiliated third party. We do not expect
to enter into any additional contracts or other transactions
with Retail Ventures or any of our directors, officers or other
affiliates other than those specified below. However, in the
future, in accordance with Ohio law, any contract, action or
other transaction between or affecting us and one of our
directors or officers or between or affecting us and any entity
in which one or more of our directors or officers is a director,
trustee or officer or has a financial or personal interest, will
either be approved by the shareholders, a majority of the
disinterested members of our board or a committee of our board
that authorizes such contracts, action or other transactions or
must be fair to us as of the time our directors, a committee of
our directors or our shareholders approve the contract, action
or transaction. In addition, any transactions with directors,
officers or other affiliates will be subject to requirements of
the Sarbanes-Oxley Act and other SEC rules and regulations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Relationships Between Our Company And Retail Ventures</B>
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Historical Relationship With Retail Ventures</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have been a wholly-owned subsidiary of Value City Department
Stores, Inc. or Retail Ventures since 1998. As a result, in the
ordinary course of our business, we have received various
services provided by Value City and Retail Ventures, including
import administration, risk management, information technology,
tax, financial services, shared benefits administration and
payroll, and will maintain insurance for us and for our
directors, officers and employees as well as other corporate
services. Retail Ventures has also provided us with the services
of a number of its executives and employees. Our historical
financial statements include allocations to us by Retail
Ventures of its costs related to these services. These cost
allocations have been determined on a basis that we and Retail
Ventures consider to be reasonable reflections of the use of
services provided or the benefit received by us. These
allocations totaled $0.1&nbsp;million in fiscal 2002,
$24.4&nbsp;million in fiscal 2003 and $29.5&nbsp;million in
fiscal 2004.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
For additional information about our relationship with Retail
Ventures, see Note&nbsp;2 to our consolidated financial
statements included elsewhere in this prospectus.
</DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Retail Ventures as our Controlling Shareholder</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Immediately prior to this offering, Retail Ventures will be our
sole shareholder. Upon completion of this offering, Retail
Ventures will continue to own approximately 66.2% (or
approximately 63.0% if the underwriters exercise their option to
purchase additional shares in full) of the outstanding shares of
our Common Shares. For as long as Retail Ventures continues to
control more than 50% of the combined voting power of our Common
Shares, Retail Ventures will be able to direct the election of
all the members of our board and exercise a controlling
influence over our business and affairs, including any
determinations with respect to mergers or other business
combinations involving our company, the acquisition or
disposition of assets by our company, the incurrence of
indebtedness by our company, the issuance of any additional
common shares or other equity securities, and the payment of
dividends with respect to our common shares. Similarly, Retail
Ventures will have the power to determine matters submitted to a
vote of our shareholders without the consent of our other
shareholders, will have the power to prevent a change in control
of our company and will have the power to take other actions
that might be favorable to Retail Ventures.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures has advised us that its current intent is to
continue to hold all the Class&nbsp;B Common Shares owned by it
following this offering, except to the extent necessary to
satisfy obligations under warrants it has granted to certain of
its lenders. All the Class&nbsp;B Common Shares of DSW held by
Retail Ventures will continue to be subject to liens in favor of
SSC, Cerberus and Value City. Retail Ventures will be subject to
(a)&nbsp;contractual obligations with its lenders to retain
ownership of at least 55% by value of the Common Shares of DSW
for so long as the Value City convertible loan facility remains
outstanding and (b)&nbsp;contractual obligations with its
warrantholders to retain enough DSW Common Shares to be able to
satisfy its obligations to deliver such shares to its
warrantholders if the warrantholders elect to exercise their
warrants in full for DSW Class&nbsp;A Common Shares. For
purposes of determining Retail Ventures&#146; ownership interest
in DSW, DSW&nbsp;Common Shares transferred by Retail Ventures to
the warrantholders upon exercise of their warrants will not be
subtracted from Retail Ventures&#146; ownership. In addition,
Retail Ventures has agreed not to sell or otherwise dispose of
any of our Class&nbsp;B Common Shares for a period of
180&nbsp;days after the date of this prospectus without the
prior written consent of Lehman Brothers Inc. See
&#147;Underwriting.&#148; As a result, there can be no assurance
concerning the period of time during which Retail Ventures will
maintain its ownership of Class&nbsp;B Common Shares owned by it
following this offering.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Beneficial ownership of at least 80% of the total voting power
and value of the outstanding Common Shares is required in order
for Retail Ventures to continue to include us in its
consolidated group for federal income tax purposes, and
beneficial ownership of at least 80% of the total voting power
and 80% of each class of nonvoting capital stock is required in
order for Retail Ventures to effect a tax-free spin-off of DSW
or certain other tax-free transactions. As of the date of this
prospectus, Retail Ventures does not intend or plan to undertake
a spin-off of DSW or another tax-free transaction involving DSW.
It is not expected that we will be included in Retail
Ventures&#146; consolidated group for U.S.&nbsp;federal income
tax purposes following the offering and, as a result, there can
be no assurance that our tax position will not be less favorable
than it is at present.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
For a further discussion of these risks, see &#147;Risk
Factors&nbsp;&#151; Risks Relating to our Relationship with and
Separation from Retail Ventures.&#148;
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Agreements Between Us And Retail Ventures</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This section describes the material provisions of agreements
between us and Retail Ventures relating to this offering and our
relationship with Retail Ventures after this offering. The
description of the agreements is not complete and, with respect
to each material agreement, is qualified by reference to the
terms of the agreement, each of which will be filed as an
exhibit to the registration statement of which this prospectus
is a part. We encourage you to read the full text of these
material agreements. We have entered or will enter into these
agreements with Retail Ventures in the context of our
relationship as a wholly-owned subsidiary of Retail Ventures.
The prices and other terms of these agreements may be less
favorable to us than those we could have obtained in
arm&#146;s-length negotiations with unaffiliated third parties
for similar services or under similar agreements.
</DIV>

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<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD></TD>
    <TD>
    <B><I>Agreements Relating to our Separation from Retail
    Ventures</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In connection with this offering, Retail Ventures and we will
deliver agreements governing various interim and ongoing
relationships between us. These agreements will include:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    a master separation agreement;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    a shared services agreement and other intercompany arrangements;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    a tax separation agreement;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    an exchange agreement; and</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    a footwear fixture agreement.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Master Separation Agreement.</I> The master separation
agreement contains key provisions relating to the separation of
our business from Retail Ventures. The master separation
agreement will require us to exchange information with Retail
Ventures, follow certain accounting practices and resolve
disputes with Retail Ventures in a particular manner. We also
will agree to maintain the confidentiality of certain
information and preserve available legal privileges. The
separation agreement also will contain provisions relating to
the allocation of the costs of our initial public offering,
indemnification, non-solicitation of employees and employee
benefit matters.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under the master separation agreement, we have agreed to effect
up to one demand registration per calendar year of our Common
Shares, whether Class&nbsp;A or Class&nbsp;B, held by Retail
Ventures, if requested by Retail Ventures. We have also granted
Retail Ventures the right to include its Common Shares of DSW in
an unlimited number of other registrations of such shares
initiated by us or on behalf of our other shareholders.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Shared Services Agreement and Other Intercompany
Arrangements.</I> Many aspects of our business, which were fully
managed and controlled by us without Retail Ventures&#146;
involvement, will continue to operate as they did prior to this
offering. We will continue to manage operations for critical
functions such as merchandise buying, planning and allocation,
distribution and store operations. Under the shared services
agreement, which when signed will become effective as of
January&nbsp;30, 2005, we will provide services to several
subsidiaries of Retail Ventures relating to planning and
allocation support, distribution services and outbound
transportation management, site research, lease negotiation
store design and construction management. Retail Ventures will
provide us with services relating to import administration, risk
management, information technology, tax, logistics and inbound
transportation management, legal services, financial services,
shared benefits administration and payroll and will maintain
insurance for us and for our directors, officers and employees.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We anticipate that the initial term of the shared services
agreement will expire at the end of fiscal 2007 and will be
extended automatically for additional one-year terms unless
terminated by one of the parties. As of the date of this
prospectus, we expect that Retail Ventures will provide us with
several information technology services for a period longer than
the initial term, and we expect that distribution services will
be provided for a period shorter than the initial term. With
respect to each of the other shared services, we cannot
reasonably anticipate whether the services will be shared for a
period shorter or longer than the initial term.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to and following the consummation of this offering, DSW
has had, and will continue to have, the option to use certain
administrative and marketing services provided by third party
vendors pursuant to contracts between those third party vendors
and Retail Ventures. We expect to pay Retail Ventures for these
services as expenses for these services are incurred. These
services are provided to us by virtue of our status as Retail
Ventures&#146; affiliate and are unrelated to those delineated
in the shared services agreement.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Historically, DSW and Retail Ventures have used intercompany
transactions in the conduct of their operations. Under this
arrangement, Retail Ventures has acted as a central processing
location for payments for the acquisition of merchandise,
payroll, outside services, capital additions and expenses by
controlling the payroll and accounts payable activities for all
Retail Ventures&#146; subsidiaries, including DSW. DSW has
transferred cash received from sales of merchandise to cash
accounts controlled by Retail Ventures. The
</DIV>

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<DIV align="left" style="font-size: 10pt;">
concentration of cash and the offsetting payments for
merchandise, expenses, capital assets and accruals for future
payments are accumulated on our balance sheet in advances to
affiliates. The balance of advances to affiliates fluctuates
based on DSW&#146;s activities with Retail Ventures.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After the consummation of this offering, DSW&#146;s intercompany
activities will be limited to those arrangements set forth in
the shared services agreement and the other agreements described
in this prospectus. DSW will no longer concentrate its cash from
the sale of merchandise into Retail Ventures&#146; accounts but
into its own DSW accounts. DSW will also pay for its own
merchandise, expenses and capital additions from newly
established disbursement accounts. Any intercompany payments
will be made pursuant to the terms of the shared services
agreement and the other agreements described in this prospectus.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Tax Separation Agreement.</I> We have historically been
included in Retail Ventures&#146; consolidated group, or the
Consolidated Group, for U.S.&nbsp;federal income tax purposes as
well as in certain consolidated, combined or unitary groups
which include Retail Ventures and/or certain of its
subsidiaries, or a Combined Group, for state and local income
tax purposes. We intend to enter into a tax separation agreement
with Retail Ventures that will become effective upon
consummation of this offering. Pursuant to the tax separation
agreement, we and Retail Ventures generally will make payments
to each other such that, with respect to tax returns for any
taxable period in which we or any of our subsidiaries are
included in the Consolidated Group or any Combined Group, the
amount of taxes to be paid by us will be determined, subject to
certain adjustments, as if we and each of our subsidiaries
included in the Consolidated Group or Combined Group filed our
own consolidated, combined or unitary tax return. Retail
Ventures will prepare pro forma tax returns for us with respect
to any tax return filed with respect to the Consolidated Group
or any Combined Group in order to determine the amount of tax
separation payments under the tax separation agreement. We will
have the right to review and comment on such pro forma tax
returns. We will be responsible for any taxes with respect to
tax returns that include only us and our subsidiaries.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures will be exclusively responsible for preparing
and filing any tax return with respect to the Consolidated Group
or any Combined Group. We generally will be responsible for
preparing and filing any tax returns that include only us and
our subsidiaries. Retail Ventures has agreed to undertake to
provide these services with respect to our separate tax returns.
For the tax services to be provided to us by Retail Ventures, we
will pay Retail Ventures a monthly fee equal to 50% of all costs
associated with the maintenance and operation of Retail
Ventures&#146; tax department (including all overhead expenses).
In addition, we will reimburse Retail Ventures for 50% of any
third party fees and expenses generally incurred by Retail
Ventures&#146; tax department and 100% of any third party fees
and expenses incurred by Retail Ventures&#146; tax department
solely in connection with the performance of the tax services to
be provided to us.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail Ventures will be primarily responsible for controlling
and contesting any audit or other tax proceeding with respect to
the Consolidated Group or any Combined Group; provided, however,
that, except in cases involving taxes relating to a spin-off, we
will have the right to control decisions to resolve, settle or
otherwise agree to any deficiency, claim or adjustment with
respect to any item for which we are solely liable under the tax
separation agreement. Pursuant to the tax separation agreement,
we will have the right to control and contest any audit or tax
proceeding that relates to any tax returns that include only us
and our subsidiaries. We and Retail Ventures will have joint
control over decisions to resolve, settle or otherwise agree to
any deficiency, claim or adjustment for which we and Retail
Ventures could be jointly liable, except in cases involving
taxes relating to a spin-off. Disputes arising between the
parties relating to matters covered by the tax separation
agreement are subject to resolution through specific dispute
resolution provisions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have been included in the Consolidated Group for periods in
which Retail Ventures owned at least 80% of the total voting
power and value of the our outstanding stock. It is not expected
that we will be included in the Consolidated Group following the
offering. Each member of a consolidated group for
U.S.&nbsp;federal income tax purposes is jointly and severally
liable for the U.S.&nbsp;federal income tax liability of each
other member of the consolidated group. Similarly, in some
jurisdictions, each member of a consolidated, combined or
unitary group for state, local or foreign income tax purposed is
jointly and severally liable for the state, local or foreign
income tax liability of each other member of the consolidated,
combined or unitary group. Accordingly, although the tax
separation agreement allocates tax liabilities
</DIV>

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<DIV align="left" style="font-size: 10pt;">
between us and Retail Ventures, for any period in which we were
included in the Consolidated Group or a Combined Group, we could
be liable in the event that any income tax liability was
incurred, but not discharged, by any other member of the
Consolidated Group.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of the date of this prospectus Retail Ventures does not
intend or plan to undertake a spin-off of our stock to Retail
Ventures stockholders. Nevertheless, we and Retail Ventures have
agreed to set forth our respective rights, responsibilities and
obligations with respective to any possible spin-off in the tax
separation agreement. If Retail Ventures were to decide to
pursue a possible spin-off, we have agreed to cooperate with
Retail Ventures and to take any and all actions reasonably
requested by Retail Ventures in connection with such a
transaction. We have also agreed not to knowingly take or fail
to take any actions that could reasonably be expected to
preclude Retail Ventures&#146; ability to undertake a tax-free
spin-off. In addition, we generally would be responsible for any
taxes resulting from the failure of a spin-off to qualify as a
tax-free transaction to the extent such taxes are attributable
to, or result from, any action or failure to act by us or
certain transactions in our stock (including transactions over
which we would have no control, such as acquisitions of our
stock and the exercise of warrants, options, exchange rights,
conversion rights or similar arrangements with respect to our
stock) following or preceding a spin-off. We would also be
responsible for a percentage (based on the relative market
capitalizations of us and Retail Ventures at the time of such
spin-off) of such taxes to the extent such taxes are not
otherwise attributable to us or Retail Ventures. Our agreements
in connection with such spin-off matters last indefinitely. In
addition, present and future majority-owned affiliates of DSW or
Retail Ventures will be bound by our agreements, unless Retail
Ventures or we, as applicable, consent to grant a release of an
affiliate (such consent cannot be unreasonably withheld,
conditioned or delayed), which may limit our ability to sell or
otherwise dispose of such affiliates. Additionally, a minority
interest participant(s) in a future joint venture, if any, would
need to evaluate the effect of the tax separation agreement on
such joint venture and such evaluation may negatively affect
their decision whether to participate in such a joint venture.
Furthermore, the tax separation agreement may negatively affect
our ability to acquire a majority interest in a joint venture.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Exchange Agreement.</I> We expect to enter into an exchange
agreement with Retail Ventures which will become effective upon
the consummation of this offering. In the event that Retail
Ventures desires to exchange all or a portion of the
Class&nbsp;B Common Shares held by it for Class&nbsp;A Common
Shares, we will agree to issue to Retail Ventures an equal
number of duly authorized, validly issued, fully paid and
nonassessable Class&nbsp;A Common Shares in exchange for the
Class&nbsp;B Common Shares of DSW held by Retail Ventures.
Retail Ventures may make one or more requests for such exchange,
covering all or a part of the Class&nbsp;B Common Shares that it
holds.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Footwear Fixture Agreement.</I> On or about the date of the
consummation of this offering, we expect to enter into an
agreement with Retail Ventures related to our patented footwear
display fixtures. We will agree to sell Retail Ventures, upon
its request, the fixtures covered by the patents at the cost
associated with obtaining and delivering them. In addition, we
will agree to pay Retail Ventures a percentage of any net profit
we may receive should we ever market and sell the fixtures to
third parties.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Leases and Subleases</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Office, warehouse and distribution facility. </I>We lease our
707,000 square foot corporate headquarters, warehouse and
distribution facility in Columbus, Ohio from an affiliate of
SSC, 4300 East Fifth Avenue LLC. The lease expires in December
2016 and has three renewal options with terms of five years
each. The monthly rent is $179,533, $194,228 and $208,922 during
the first, second and third five-year periods of the initial
term, respectively. The rent increases to $220,416, $235,090 and
$249,803 in the first, second and third renewal terms,
respectively. On account of this agreement, we paid to the
landlord approximately $2.6&nbsp;million in fiscal 2002,
$3.1&nbsp;million in fiscal 2003 and $3.4&nbsp;million in fiscal
2004. See &#147;Business&nbsp;&#151; Properties.&#148;
</DIV>

<P align="center" style="font-size: 10pt;">86

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>DSW stores. </I>As of April&nbsp;30, 2005, we leased or
subleased 15&nbsp;DSW stores from affiliates of SSC. We paid SSC
or its affiliates approximately $5.3&nbsp;million for fiscal
2003 and approximately $6.6&nbsp;million for fiscal 2004 on
account of the leases and subleases listed below:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 9pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="25%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="12%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="12%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="27%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Annual</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Minimum Rent</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Payments as of</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Store Location</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Landlord</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Expiration Date</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Renewal Options</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></B></TD><TD></TD>
</TR>


<TR>
    <TD align="left" valign="top">
    Glen Allen, Virginia</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Jubilee&nbsp;&#151; Richmond, LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    October 2015</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>423,028</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Fairfax, Virginia</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Jubilee Limited Partnership</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    November 2009</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Two, with terms of 10&nbsp;years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>519,100</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Clariton Boulevard (Pittsburgh, Pennsylvania)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    SSC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    December 2017</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five, five and two years, respectively.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>338,789</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Troy, Michigan</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Jubilee Limited Partnership</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    February 2013</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Two, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>512,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Springdale, Ohio</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Jubilee&nbsp;&#151; Springdale, LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    October 2016</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>568,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Tampa,
    Florida<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    JLPK&nbsp;&#151; Dale Mabry, LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    November 2018</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>314,292</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Denton, Texas</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Jubilee Limited Partnership</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    February 2019</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>319,790</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Richmond, Virginia (Midlothian)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    JLP&nbsp;&#151; Richmond LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    April 2019</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>420,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Merrillville, Indiana</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Jubilee Limited Partnership</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    December 2017</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>360,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Beavercreek, Ohio</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Shoppes of Beavercreek, Ltd</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    September 2012</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>362,745</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Chesapeake, Virginia</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    JLP&nbsp;&#151; Chesapeake, LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    July 2011</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Four, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>402,325</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Columbus, Ohio (Polaris)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    SSC&nbsp;&#151; Polaris, LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    October 2017</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Four, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>583,800</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Cary, North Carolina</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    JLP&nbsp;&#151;<BR>
    Cary, LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    February 2018</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>424,782</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Madison, Tennessee</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    JLP&nbsp;&#151; Madison LLC</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    November 2017</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>252,992</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Cincinnati,
    Ohio<SUP style="font-size: 85%; vertical-align: text-top">(2)
    </SUP>(Eastgate)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Eastgate Pavilion, Ltd.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    October 2019</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>331,941</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    Kalamazoo, Michigan
    <SUP style="font-size: 85%; vertical-align: text-top">(3)
    </SUP>(Maple Hill Mall)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    K&#38;S Maple Hill Mall, L.P.</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>303,604</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    South Bend, Indiana
    <SUP style="font-size: 85%; vertical-align: text-top">(3)
    </SUP>(Erskine Village)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    KSK Scottsdale Mall, L.P.</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Three, with terms of five years each.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$</TD>
    <TD align="right" valign="top" nowrap>325,000</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    For each lease, we also (a)&nbsp;pay percentage rent equal to
    approximately 2% annually of gross sales that exceed specified
    breakpoints that increase as the minimum rent increases and
    (b)&nbsp;pay a portion of expenses related to maintenance, real
    estate taxes and insurance.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    These properties were sold to non-affiliated third parties in
    December 2004.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    These stores are expected to open in fiscal 2005, at which time
    the expiration date will be determined.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt;">87

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<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Corporate Services Agreement with SSC</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We receive services from SSC pursuant to a Corporate Services
Agreement between Retail Ventures and its wholly-owned
subsidiaries and SSC. The agreement set forth the costs of
shared services, including specified legal, advertising, import,
real estate and administrative services. As of April&nbsp;30,
2005, the only services we receive pursuant to this agreement
pertain to real estate services and the administration of our
health insurance and benefit plans. For fiscal 2002, fiscal 2003
and fiscal 2004, our allocated portion of the amount Retail
Ventures paid SSC or its affiliates was $0.3&nbsp;million,
$0.2&nbsp;million and $0.3&nbsp;million, respectively, for such
services. We expect to continue to receive these services
following consummation of this offering pursuant to an amended
corporate services agreement to which Schottenstein Management
Company, or SMC, will also be party.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We also expect to enter into a side letter agreement relating to
corporate services with SSC and SMC. Under the side letter
agreement, we will agree to pay for any services provided by SSC
or SMC to DSW through Retail Ventures in the event that Retail
Ventures does not pay for those services.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Until July 2004, we were self-insured through our participation
in a self-insurance program maintained by SSC. While we no
longer participate in the program we continue to remain liable
for liabilities incurred by us under the program. Under the
program, SSC charged Retail Ventures amounts based, among other
factors, on loss experience and its actual payroll and related
costs for administering the program. For fiscal 2002, fiscal
2003 and fiscal 2004, our allocated portion of the amount Retail
Ventures paid SSC was approximately $3.0&nbsp;million,
$0.2&nbsp;million and an amount immaterial to the financial
statements, respectively, for participation in the program.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to and following the consummation of this offering, DSW
has had, and will continue to have, the option to use corporate
aircraft provided by a third party vendor pursuant to a contract
between the third party vendor and SSC and a Retail Ventures
affiliate. We expect to pay SSC for these services as expenses
for these services are incurred. These services are made
available to us by virtue of our status as an SSC affiliate.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Agreement with Value City for Leased Shoe Departments</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Until December&nbsp;28, 2004, we were party to a license
agreement with Value City which gave us the exclusive right to
supply footwear to leased shoe departments in specified Value
City stores. Under this license, we agreed to pay to Value City
a specified percentage of our annual gross sales from each of
the Value City leased shoe departments. In addition, we paid
some of Value City&#146;s expenses, including those related to
advertising for the shoe departments and employee services for
shoe department employees.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The managers and full- and part-time associates who staffed our
departments in these Value City stores were employees of Value
City. We reimbursed Value City for the payroll taxes, benefits
and other expenses associated with those associates. We supplied
our own merchandise and store fixtures, maintained our own
insurance and were responsible for repairs and maintenance of
our fixtures, merchandise and equipment.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We paid approximately $35.3&nbsp;million in total license fees
and other expenses (including payroll and benefits) to Value
City for fiscal 2002, approximately $41.6&nbsp;million for
fiscal 2003 and approximately $41.2&nbsp;million for fiscal
2004. The historical and pro forma financial data included
elsewhere in this prospectus does not give effect to
transactions that have taken place pursuant to this agreement.
As part of the reorganization that took place on
December&nbsp;28, 2004, this contract was terminated.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Agreements with Filene&#146;s Basement for Leased Shoe
Departments</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Until January&nbsp;29, 2005, we were party to an agreement with
Filene&#146;s Basement pursuant to which we had the exclusive
right to operate leased shoe departments with approximately
20,000 square feet of selling space and approximately
3,000&nbsp;feet of storage space in Filene&#146;s Basement
stores. At the time this contract was terminated, this agreement
pertained only to the two combination DSW/Filene&#146;s Basement
stores. Under this agreement, we owned the merchandise, recorded
sales of merchandise net of returns and sales tax and provided
supervisory assistance in all covered locations. We pay a
percentage of net sales as rent. We also paid certain taxes,
insurance premiums and freight costs with respect to the
merchandise. We paid
</DIV>

<P align="center" style="font-size: 10pt;">88
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<DIV align="left" style="font-size: 10pt;">
approximately $2.0&nbsp;million in total fees and expenses to
Filene&#146;s Basement for fiscal 2002, $2.0&nbsp;million for
fiscal 2003 and $2.1&nbsp;million for fiscal 2004.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Until January&nbsp;29, 2005, we were party to an agreement with
Filene&#146;s Basement pursuant to which we had the exclusive
right to operate leased shoe departments with approximately
1,000&nbsp;square feet of selling space and 200&nbsp;square feet
of storage space in Filene&#146;s Basement stores. At the time
this contract was terminated, we operated departments of this
size in 22&nbsp;Filene&#146;s Basement stores. Under this
agreement, we owned the merchandise, recorded sales of
merchandise net of returns and sales tax and provided
supervisory assistance in all covered locations. We pay a
percentage of net sales as rent. We also paid certain taxes,
insurance premiums and freight costs with respect to the
merchandise. We paid approximately $3.1&nbsp;million in total
fees and expenses to Filene&#146;s Basement for fiscal 2002,
$3.8&nbsp;million for fiscal 2003 and $4.8&nbsp;million for
fiscal 2004.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Effective as of January&nbsp;30, 2005, we updated and reaffirmed
our contractual arrangement with Filene&#146;s Basement related
to combination DSW/Filene&#146;s Basement stores. Under the new
agreement, we have the exclusive right to operate leased shoe
departments with 10,000&nbsp;square feet or more of selling
space in Filene&#146;s Basement stores. We own the merchandise,
record sales of merchandise net of returns and sales tax, and
receive a per-store license fee for use of our name on the
stores. We pay a percentage of net sales as rent. The employees
that supervise the shoe departments are employees of us who
report directly to our supervisors. Filene&#146;s Basement
provides the fixtures and sales associates. We also pay certain
taxes, insurance premiums and freight costs with respect to the
merchandise. As of April&nbsp;30, 2005, this agreement pertained
to only two combination DSW/Filene&#146;s Basement stores.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Effective as of January&nbsp;30, 2005, we updated and reaffirmed
our contractual arrangement with Filene&#146;s Basement related
to the smaller leased shoe departments. Under the new agreement
we have the exclusive right to operate leased shoe departments
with less than 10,000 square feet of selling space in
Filene&#146;s Basement stores. We own the merchandise, record
sales net of returns and sales tax and provide supervisory
assistance in all covered locations. We pay a percentage of net
sales as rent. Filene&#146;s Basement provides the fixtures and
sales associates. We also pay certain taxes, insurance premiums
and freight costs with respect to the merchandise. As of
April&nbsp;30, 2005, we operated leased shoe departments in 23
of these Filene&#146;s Basement stores.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Agreement with Filene&#146;s Basement for Atrium Space at our
Union Square Store in Manhattan</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Effective as of January&nbsp;30, 2005, we entered into a shared
expenses agreement with Filene&#146;s Basement related to the
shared atrium space connecting Filene&#146;s Basement&#146;s
leased spaced at Union Square and our Union Square store leased
space, and for other expenses related to our leased space, which
are located in the same building in New York, New York. Under
that agreement, we have agreed to share with Filene&#146;s
Basement expenses related to the use and maintenance of the
atrium space and to share other expenses related to the
operation and maintenance of the Filene&#146;s Basement leased
space and our leased space. We estimate that our share of these
expenses will total approximately $100,000 for fiscal 2005.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Registration Rights Agreements</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under the master separation agreement, we have agreed to effect
up to one demand registration per calendar year of our Common
Shares, whether Class&nbsp;A or Class&nbsp;B, held by Retail
Ventures, if requested by Retail Ventures. We have also granted
Retail Ventures the right to include its Common Shares of DSW in
an unlimited number of other registrations of such shares
initiated by us or on behalf of our other shareholders.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We will also enter into a registration rights agreement with
Cerberus and SSC, under which we will agree to register in
specified circumstances the Class&nbsp;A Common Shares issued to
them upon exercise of their warrants and each of these entities
and Back Bay will be entitled to participate in the
registrations initiated by the other entities. Under this
agreement, each of Cerberus and SSC may request up to three
demand registrations with respect to the Class&nbsp;A Common
Shares issued to them upon exercise of their warrants. The
agreement will also grant Cerberus, SSC and Back Bay the right
to include these Class&nbsp;A Common Shares in an unlimited
number of other registrations of any of our securities initiated
by us or on behalf of our other shareholders (other than a
demand registration made under the agreement). Our failure to
perform our
</DIV>

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<DIV align="left" style="font-size: 10pt;">
obligations under this agreement would result in an event of
default under the Value City subordinated convertible loan
facility, as amended.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Notes, Credit Agreements and Guarantees</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Revolving Credit Facility. </I>Until the
amendment and restatement of this revolving credit agreement, we
will continue to be a co-borrower under a Loan and Security
Agreement, as amended, entered into with National City, as
administrative agent, and the other parties named therein,
originally entered into in June 2002. The agreement allows us,
Value City and the other Retail Ventures affiliates co-borrowers
thereto, to draw on a $425&nbsp;million revolving credit
facility, subject to applicable borrowing base restrictions. The
maturity date of the facility is June&nbsp;11, 2006. We, the
other co-borrowers and the guarantors are jointly and severally
liable for the liabilities incurred under the agreement. We
expect our obligations under this agreement to be released on or
about the date of the consummation of this offering in
connection with the amendment and restatement of this revolving
credit agreement. We have reflected our direct obligations under
this revolving credit facility as they relate to borrowings
secured by our assets in our historical financial statements
included elsewhere in this prospectus. For additional
information regarding this revolving credit facility, see
&#147;Description of Indebtedness.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Term Loan Facility. </I>Until the amendment of
this term loan agreement, we will continue to be a co-borrower
to a Financing Agreement, as amended, among Cerberus, as agent,
and the other parties named as co-borrowers therein, originally
entered into in June 2002. Under the terms of this term loan
agreement, SSC and Cerberus each provided us, Value City and the
other Retail Ventures affiliates named as co-borrowers with a
separate $50&nbsp;million term loan comprised of two tranches
with initial three-year terms. In July 2004, the maturity dates
of these loans were extended until June&nbsp;11, 2006. In
connection with the second tranche of these term loans, Retail
Ventures issued to each of Cerberus and SSC&nbsp;warrants to
purchase 1,477,396&nbsp;common shares of Retail Ventures at a
purchase price of $4.50&nbsp;per share, subject to adjustment.
In September 2002, Back Bay bought from each of Cerberus and SSC
a $1.5&nbsp;million interest in each of the tranches of their
term loans for an aggregate $6.0&nbsp;million interest, and Back
Bay received from each of Cerberus and SSC a corresponding
portion of the warrants to purchase Retail Ventures common
shares originally issued in connection with the second tranche
of their term loans. The term loans&#146; stated rate of
interest per annum through June&nbsp;11, 2004 was 14% if paid in
cash and 15% if the co-borrowers elected a paid-in-kind, or PIK,
option. During the first two years of the term loans, the
co-borrowers could elect to pay all interest in PIK. During the
final two years of the term loans, the stated rate of interest
is 15.0% if paid in cash or 15.5% if by PIK, and the PIK option
is limited to 50% of the interest due. For fiscal 2002 and
fiscal 2003, the co-borrowers elected to pay interest in cash.
We expect our obligations under this term loan agreement to be
released on or about the date of the consummation of this
offering; however, this indebtedness has not been reflected in
our historical financial statements included elsewhere in this
prospectus as it is recorded on the books of Retail Ventures.
For additional information regarding this term loan facility,
see &#147;Description of Indebtedness.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In connection with the amendment of this term loan agreement,
Retail Ventures has agreed to amend the outstanding warrants to
provide SSC, Cerberus and Back Bay the right, from time to time,
in whole or in part, to (i)&nbsp;acquire Retail Ventures common
shares at the then current conversion price (subject to the
existing anti-dilution) provisions, (ii)&nbsp;acquire from
Retail Ventures Class&nbsp;A Common Shares of DSW at an exercise
price per share equal to the price of shares sold to the public
in this offering (subject to anti-dilution provisions similar to
those in the existing warrants) or (iii)&nbsp;acquire a
combination thereof.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Assuming an exercise price per share of $16.00, or the midpoint
of the range set forth on the cover page of this prospectus, SSC
and Cerberus would each receive 390,586 Class&nbsp;A Common
Shares, and Back Bay would receive 49,862 Class&nbsp;A Common
Shares, if they exercised these warrants in full exclusively for
DSW Common Shares. The warrants expire in June 2012. Although
Retail Ventures does not intend or plan to undertake a spin-off
of Common Shares to Retail Ventures shareholders, in the event
that Retail Ventures effects a spin-off of its DSW Common Shares
to its shareholders in the future, the holders of outstanding
unexercised warrants will receive the same number of
DSW&nbsp;Common Shares that they would have received had they
exercised their warrants in full for Retail Ventures common
shares immediately prior to the record
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

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<DIV align="left" style="font-size: 10pt;">
date of the spin-off, without regard to any limitations on
exercise in the warrants. Following the completion of any such
spin-off, the warrants will be exercisable solely for Retail
Ventures common shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the consummation of this offering, we will enter into
an exchange agreement with Retail Ventures whereby, upon the
request of Retail Ventures, we will be required to exchange some
or all of the Class&nbsp;B Common Shares of DSW held by Retail
Ventures for Class&nbsp;A Common Shares. See
&#147;&#151;&nbsp;Relationships Between our Company and Retail
Ventures&nbsp;&#151; Agreements Relating to our Separation from
Retail Ventures&nbsp;&#151; Exchange Agreement.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Senior Subordinated Convertible Loan
Facility.</I> Until the amendment and restatement of this
convertible loan agreement, we will continue to be a
co-guarantor under the Amended and Restated Senior Subordinated
Convertible Loan Agreement, entered into by Value City, as
borrower, Cerberus, as agent and lender, SSC, as lender, and DSW
and the other parties named as guarantors, originally entered
into in June 2002. Under this convertible loan agreement, SSC
initially provided a $75&nbsp;million term loan, now held
equally by SSC and Cerberus, to Value City, convertible at the
option of the lenders into common shares of Retail Ventures at
an initial conversion price of $4.50&nbsp;per share. The
maturity date of this convertible loan is June&nbsp;10, 2009. We
expect our obligations under this convertible loan agreement to
be released on or about the date of the consummation of this
offering in connection with the amendment and restatement of
this convertible loan agreement; however, this indebtedness has
not been reflected in our historical financial statements
included elsewhere in this prospectus as it is recorded on the
books of Retail Ventures. For additional information regarding
this convertible loan facility, see &#147;Description of
Indebtedness.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In connection with the amendment and restatement of this
convertible loan agreement, the $75&nbsp;million convertible
loan will be converted into a $75&nbsp;million non-convertible
loan. In addition, Retail Ventures has agreed to issue to SSC
and Cerberus convertible warrants which will be exercisable from
time to time until the later of June&nbsp;11, 2007 and the
repayment in full of Value City&#146;s obligations under the
amended and restated loan agreement. Under the convertible
warrants, SSC and Cerberus will have the right, from time to
time, in whole or in part, to (i)&nbsp;acquire Retail Ventures
common shares at the conversion price referred to in the
convertible loan (subject to existing antidilution provisions),
(ii)&nbsp;acquire from Retail Ventures Class&nbsp;A Common
Shares of DSW at an exercise price per share equal to the price
of the shares to the public sold in this offering (subject to
antidilution provisions similar to those in the existing
warrants) or (iii)&nbsp;acquire a combination thereof. Although
Retail Ventures does not intend or plan to undertake a spin-off
of Common Shares to Retail Ventures shareholders, in the event
that Retail Ventures effects a spin-off of its DSW Common Shares
to its shareholders in the future, the holders of outstanding
unexercised warrants will receive the same number of
DSW&nbsp;Common Shares that they would have received had they
exercised their warrants in full for Retail Ventures common
shares immediately prior to the record date of the spin-off,
without regard to any limitation on exercise contained in the
warrants. Following the completion of any such spin-off, the
warrants will be exercisable solely for Retail Ventures common
shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
SSC and Cerberus may acquire upon exercise of the warrants in
full an aggregate number of Class&nbsp;A Common Shares of DSW
from Retail Ventures which, at the price of shares sold in this
offering, have a value equal to $75 million. Assuming an
exercise price per share of $16.00, or the midpoint of the range
set forth on the cover of this prospectus, SSC and Cerberus
would each receive 2,343,750 Class&nbsp;A Common Shares if they
exercised these warrants exclusively for DSW Common Shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the consummation of this offering, we will enter into
an exchange agreement with Retail Ventures whereby, upon the
request of Retail Ventures, we will be required to exchange some
or all of the Class&nbsp;B Common Shares held by Retail Ventures
for Class&nbsp;A Common Shares. See
&#147;&#151;&nbsp;Relationships Between our Company and Retail
Ventures&nbsp;&#151; Agreements Relating to our Separation from
Retail Ventures&nbsp;&#151; Exchange Agreement.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Value City Intercompany Note. </I>The capital stock of DSW
held by Retail Ventures will continue to secure the
$240&nbsp;million Value City intercompany note made payable by
Retail Ventures to Value City, which was executed and delivered
on January&nbsp;1, 2005 in connection with the transfer of all
the capital stock of DSW and Filene&#146;s Basement by Value
City to Retail Ventures on that date. The lien granted to Value
City on the DSW capital stock held by Retail Ventures will be
released upon written notice that warrants held by Cerberus, SSC
and Back Bay are to be exercised in exchange for DSW capital
stock held by Retail Ventures
</DIV>

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<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt;">
and to be delivered by Retail Ventures upon the exercise of such
warrants. The lien will also be released upon repayment of the
note in full.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The $165.0&nbsp;Million Intercompany Note.</I> In March 2005,
we incurred intercompany indebtedness to fund a
$165.0&nbsp;million dividend to Retail Ventures. The
indebtedness is evidenced by a note which is scheduled to mature
in March 2020 and bears interest at a rate equal to LIBOR plus
850 basis points per year. Interest is payable quarterly in
arrears commencing on June&nbsp;30, 2005. Our obligations under
the note are guaranteed by our subsidiary. We expect to exercise
our right to prepay the note with the net proceeds of this
offering.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The $25.0&nbsp;Million Intercompany Note.</I> In May 2005, we
incurred intercompany indebtedness to fund a $25.0&nbsp;million
dividend to Retail Ventures. The indebtedness is evidenced by a
note which is scheduled to mature in May 2020 and bears interest
at a rate equal to LIBOR plus 950 basis points per year.
Interest is payable quarterly in arrears commencing on
June&nbsp;30, 2005. Our obligations under the note are
guaranteed by our subsidiary. We expect to exercise our right to
prepay the note with the net proceeds of this offering.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Cross-Corporate Guarantees. </I>We have entered into
cross-corporate guarantees with various financing institutions
pursuant to which we, Retail Ventures, Filene&#146;s Basement
and Value City, jointly and severally, guarantee payment
obligations owed to these entities under factoring arrangements
they have entered into with vendors who may provide merchandise
to some or all of Retail Ventures&#146; subsidiaries. We may be
released from any prospective liability under the guarantees at
any time. Upon release, our potential liability would be limited
to the then outstanding amount under the canceled guarantee. We
will terminate these cross-corporate guarantees on or about the
date of the consummation of this offering. The outstanding
balance of our potential liability as of May&nbsp;23, 2005 was
$38.3&nbsp;million, and we do not expect this amount to change
significantly between now and the time the guarantees are
terminated. After the guarantees are cancelled, the outstanding
balance will decrease to zero over a period of approximately
90&nbsp;days as payments are made in the ordinary course of
business.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Union Square Store Guaranty by Retail Ventures.</I> In
January 2004, we entered into a lease agreement with
40&nbsp;East 14&nbsp;Realty Associates, L.L.C., an unrelated
third party, for our Union Square store in Manhattan, New York.
In connection with the lease, Retail Ventures has agreed to
guarantee payment of our rent and other expenses and charges and
the performance of our other obligations. We estimate that the
annual rent payment under the lease will total approximately
$1.25&nbsp;million for fiscal 2005.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Intercompany Accounts.</I> Historically, DSW and Retail
Ventures have used intercompany transactions in the conduct of
their operations. Under this arrangement, Retail Ventures has
acted as a central processing location for payments for the
acquisition of merchandise, payroll, outside services, capital
additions and expenses by controlling the payroll and accounts
payable activities for all Retail Ventures&#146; subsidiaries,
including DSW. DSW has transferred cash received from sales of
merchandise to cash accounts controlled by Retail Ventures. The
concentration of cash and the offsetting payments for
merchandise, expenses, capital assets and accruals for future
payments are accumulated on our balance sheet in advances to
affiliates. The balance of advances to affiliates fluctuates
based on DSW&#146;s activities with Retail Ventures.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After the consummation of this offering, DSW&#146;s intercompany
activities will be limited to those arrangements set forth in
the shared services agreement and the other agreements described
in this prospectus. DSW will no longer concentrate its cash from
the sale of merchandise into Retail Ventures&#146; accounts but
into its own DSW accounts. DSW will also pay for its own
merchandise, expenses and capital additions from newly
established disbursement accounts. Any intercompany payments
will be made pursuant to the terms of the shared services
agreement and other agreements described in this prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Provisions of Our Amended Articles of Incorporation Governing
Corporate Opportunities and Related Party Transactions</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After this offering, Retail Ventures will remain a substantial
shareholder of DSW and SSC will remain a substantial shareholder
of Retail Ventures. Retail Ventures and SSC are engaged in the
same or similar activities or lines of business as we are and
have interests in the same areas of corporate opportunities.
Summarized below are provisions in our amended articles of
incorporation that will govern conflicts,
</DIV>

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<DIV align="left" style="font-size: 10pt;">
corporate opportunities and related party transactions. These
provisions will be substantially similar to those that currently
apply to us through provisions of Retail Ventures&#146; amended
articles of incorporation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Conflicts/ Competition. </I>Retail Ventures and SSC have the
right to engage in the same businesses as we do, to do business
with our suppliers and customers and to employ any of our
officers or employees.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Corporate Opportunities. </I>In the event that Retail
Ventures, SSC or any director or officer of either of them who
is also one of our directors or officers learns about a
potential transaction or business opportunity which we are
financially able to undertake, which is in our line of business,
which is of practical advantage to us and in which we have an
interest or a reasonable expectancy, but which may also be
appropriate for Retail Ventures or SSC, our amended articles of
incorporation provide:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    If Retail Ventures or SSC learns about a corporate opportunity,
    it does not have to tell us about it and it is not a breach of
    any fiduciary duty for it to pursue such corporate opportunity
    for itself or to direct it elsewhere.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    If one of our directors or officers who is also a director or
    officer of Retail Ventures or SSC learns about a corporate
    opportunity, he or she shall not be liable to us or to our
    shareholders if Retail Ventures or SSC pursues the corporate
    opportunity for itself, directs it elsewhere or does not
    communicate information about the opportunity to us, if such
    director or officer acts in a manner consistent with the
    following policy:</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    If the corporate opportunity is offered to one of our officers
    who is also a director but not an officer of Retail Ventures or
    SSC, the corporate opportunity belongs to us unless it was
    expressly offered to the officer in writing solely in his or her
    capacity as a director of Retail Ventures or SSC, in which case
    it belongs to Retail Ventures or SSC, as the case may be.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    If the corporate opportunity is offered to one of our directors
    who is not an officer of DSW, and who is also a director or
    officer of Retail Ventures or SSC, the corporate opportunity
    belongs to us only if it was expressly offered to the director
    in writing solely in his or her capacity as our director.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    If the corporate opportunity is offered to one of our officers,
    whether or not such person is also a director, who is also an
    officer of Retail Ventures or SSC, it belongs to us only if it
    is expressly offered to the officer in writing solely in his or
    her capacity as our officer or director.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Related Party Transactions. </I>We may, from time to time,
enter into contracts or otherwise transact business with Retail
Ventures, SSC, our directors, directors of Retail Ventures or
SSC or organizations in which any of such directors has a
financial interest. Such contracts and transactions are
permitted if:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the relationship or interest is disclosed or is known to the
    board of directors or the committee approving the contract or
    transaction, and the board of directors or committee, in good
    faith reasonably justified by the facts, authorizes the contract
    or transaction by the affirmative vote of a majority of the
    directors who are not interested in the contract or transaction;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the relationship or interest is disclosed or is known to the
    shareholders, and the shareholders approve the contract or
    transaction by the affirmative vote of the holders of a majority
    of the voting power of the corporation held by persons not
    interested in the contract or transaction; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the contract or transaction is fair at the time it is authorized
    or approved by the board of directors, a committee of the board
    of directors, or the shareholders.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Loans to Management</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In June 2001, we loaned Edwin J. Kozlowski, who was then serving
as our President and Chief Operating Officer, $412,758.00. In
May 2003, Mr.&nbsp;Kozlowski repaid the balance of the loan.
Interest had accrued at the prime rate set from time to time by
National City Bank, Columbus, Ohio.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Mr.&nbsp;Kozlowski entered into an employment agreement with
Retail Ventures, effective May&nbsp;1, 2001, to serve as its
Executive Vice President and Chief Operating Officer for a term
ending April&nbsp;30, 2004. Under
</DIV>

<P align="center" style="font-size: 10pt;">93

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
the terms of the agreement, in July 2001, Retail Ventures loaned
Mr.&nbsp;Kozlowski $80,000 to cover expenses related to personal
benefits. This loan was being forgiven at the rate of 10% for
each 12&nbsp;consecutive month period Mr.&nbsp;Kozlowski
remained employed after the date the loan was made. The largest
amount of the loan outstanding in fiscal 2004 was $72,662. On
November&nbsp;3, 2004, the board of directors voted to terminate
Mr.&nbsp;Kozlowski&#146;s employment. In April 2005,
Mr.&nbsp;Kozlowski repaid the loan in full.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Certain Employment Arrangements</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Mr.&nbsp;John Rossler is the former Chief Executive Officer and
President of Retail Ventures. During his tenure, his son, Ryan
Rossler, was employed as a buyer for the DSW&nbsp;business.
During fiscal 2004, Mr.&nbsp;Ryan Rossler received salary and
bonus totaling $91,942 and other employment benefits, including
401(k)&nbsp;plan and associate stock purchase plan contributions
by Retail Ventures and a cafeteria health care plan. His salary
and benefits were consistent with those provided to other
associates of DSW holding comparable positions.
</DIV>

<P align="center" style="font-size: 10pt;">94

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
<A name='115'></A>
</DIV>

<!-- link1 "PRINCIPAL SHAREHOLDERS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>PRINCIPAL SHAREHOLDERS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Beneficial Ownership of Our Common Shares</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of the date of this prospectus, Retail Ventures owned all our
outstanding common shares. The following table sets forth
information regarding the beneficial ownership of our
Class&nbsp;A Common Shares and Class&nbsp;B Common Shares upon
completion of this offering by:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    each person or entity who is known by us to beneficially own 5%
    or more of our outstanding Common Shares;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    each of our directors;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    each of our executive officers named in the Summary Compensation
    Table; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    all our directors and executive officers as a group.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Unless otherwise indicated below, each person or entity has an
address in care of our principal executive offices at 4150 East
5<SUP style="font-size: 85%; vertical-align: text-top">th</SUP>
Avenue, Columbus, Ohio&nbsp;43219. The table below does not give
effect to the issuance of (i)&nbsp;employee stock options to
purchase up to 900,000 registered Class&nbsp;A Common Shares at
a price per share equal to the initial public offering price per
share or (ii)&nbsp;up to 100,000 restricted Class&nbsp;A Common
Shares and stock units to be issued at a price per share equal
to the initial public offering price per share, which stock
options, restricted shares and stock units we expect to issue
immediately following the pricing of but prior to the
consummation of this offering. These stock option, restricted
share and stock units issuances remain subject to approval by
the DSW board of directors prior to the consummation of this
offering.
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="37%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Percentage of</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="7">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Shares</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Number of Shares</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Beneficially</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Percentage of</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Beneficially Owned<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Owned<SUP style="font-size: 85%; vertical-align: text-top">(1)(2)</SUP></B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Combined Voting</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Power of All Classes</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="left" nowrap><B>Name of Beneficial Owner</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Class&nbsp;A</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Class&nbsp;B</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Class&nbsp;A</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Class&nbsp;B</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>of Common Shares</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Retail Ventures,
    Inc.<SUP style="font-size: 85%; vertical-align: text-top">(3)(4)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>27,702,667</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>100%</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>94.0</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Jay L.
    Schottenstein<SUP style="font-size: 85%; vertical-align: text-top">(5)(6)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,734,336</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16.3%</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1.3</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deborah L.
    Ferr&#233;e<SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Peter Z. Horvath</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Douglas J. Probst</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    James A.
    McGrady<SUP style="font-size: 85%; vertical-align: text-top">(3)(8)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Julia A.
    Davis<SUP style="font-size: 85%; vertical-align: text-top">(3)(9)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Heywood
    Wilansky<SUP style="font-size: 85%; vertical-align: text-top">(3)(10)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Carolee Friedlander</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Philip B. Miller</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    James D. Robbins</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Harvey L. Sonnenberg</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Allan J. Tanenbaum</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Schottenstein Stores Corporation
    <SUP style="font-size: 85%; vertical-align: text-top">(6)(11)(12)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,734,336</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16.3%</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1.3</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Stephen
    Feinberg<SUP style="font-size: 85%; vertical-align: text-top">(11)(13)(14)</SUP></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,734,336</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16.3%</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1.3</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    All directors and executive officers as a group (12&nbsp;persons)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,734,336</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>16.3%</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1.3</TD>
    <TD align="left" valign="bottom" nowrap>%</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="1%"></TD>
    <TD width="2%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(1)&nbsp;</TD>
    <TD align="left">
    Except as otherwise set forth in the footnotes below, each
    beneficial owner has the sole power to vote and dispose of all
    ordinary shares held by that beneficial owner. Beneficial
    ownership is determined in accordance with Rule&nbsp;13d-3 of
    the Exchange Act. Common shares issuable pursuant to options or
    warrants, to the extent such options or warrants are exercisable
    within 60&nbsp;days, are treated as beneficially owned and
    outstanding for the purpose of computing the percentage
    ownership of the person holding the option or warrant, but are
    not treated as outstanding for the purpose of computing the
    percentage ownership of any other person.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(2)&nbsp;</TD>
    <TD align="left">
    These numbers do not take into account any exercise of the
    underwriters&#146; option to purchase additional shares.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(3)&nbsp;</TD>
    <TD align="left">
    Address is 3241 Westerville Road, Columbus, Ohio 43224.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt;">95

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<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="1%"></TD>
    <TD width="2%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(4)&nbsp;</TD>
    <TD align="left">
    Common shares of DSW held by Retail Ventures, Inc. are subject
    to a lien securing Retail Ventures&#146; obligations under the
    amended convertible loan provided by Cerberus and SSC to Value
    City, as well as a lien securing the $240&nbsp;million
    intercompany note made payable to Retail Ventures by Value City.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(5)&nbsp;</TD>
    <TD align="left">
    As of the date of this prospectus, Mr.&nbsp;Schottenstein was
    the beneficial owner of approximately 78.4% of the outstanding
    common shares of SSC. As described in footnote&nbsp;11 below,
    SSC will have the right to acquire Class&nbsp;A Common Shares of
    DSW from Retail Ventures after the consummation of this offering
    pursuant to certain warrant agreements. Mr.&nbsp;Schottenstein
    was also the sole beneficial owner of 144,000 Retail Ventures
    common shares and held 52,500 Retail Ventures common shares
    through Glosser Brothers Acquisition, Inc., or GBA, of which
    Mr.&nbsp;Schottenstein was Chairman of the Board, President, a
    director and a trustee or co-trustee of family trusts that own
    100% of the stock of GBA. Mr.&nbsp;Schottenstein has voting and
    investment power as co-trustee of a family trust that owns
    30,000 Retail Ventures common shares, and is one of five
    trustees of a foundation that owns 67,944 Retail Ventures common
    shares. Mr.&nbsp;Schottenstein also held options convertible
    into 50,000 Retail Ventures common shares. As of the date of
    this prospectus, SSC was the beneficial owner of approximately
    48.2% of the outstanding common shares of Retail Ventures.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(6)&nbsp;</TD>
    <TD align="left">
    Address is 1800 Moler Road, Columbus, Ohio 43207.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(7)&nbsp;</TD>
    <TD align="left">
    As of the date of this prospectus, Ms.&nbsp;Ferr&#233;e held
    options convertible into 452,000 Retail Ventures common shares.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(8)&nbsp;</TD>
    <TD align="left">
    As of the date of this prospectus, Mr.&nbsp;McGrady was the
    beneficial owner of 6,000 Retail Ventures common shares, and
    held options convertible into 475,000 Retail Ventures common
    shares.</TD>
</TR>

<TR><TD><FONT size="1">

</FONT></TD></TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>(9)&nbsp;</TD>
    <TD align="left">
    As of the date of the prospectus, Ms.&nbsp;Davis held options
    convertible into 40,000 Retail Ventures common shares.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 8pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>(10)&nbsp;</TD>
    <TD align="left">
    As of the date of the prospectus, Mr.&nbsp;Wilansky held options
    convertible into 250,000 Retail Ventures common shares.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(11)&nbsp;</TD>
    <TD align="left">
    Each of Cerberus and SSC will have the right to acquire
    Class&nbsp;A Common Shares of DSW from Retail Ventures after the
    consummation of this offering pursuant to certain warrant
    agreements. As described in footnote&nbsp;14 below, Stephen
    Feinberg exercises sole voting and investment authority over all
    of our securities owned by Cerberus, directly or indirectly. For
    further discussion of these warrant agreements, see
    &#147;Management&#146;s Discussion and Analysis of Financial
    Condition and Results of Operations&nbsp;&#151; The DSW
    Separation,&#148; &#147;Certain Relationships and Related Party
    Transactions&nbsp;&#151; Notes, Credit Agreements and
    Guarantees&#148; and &#147;Description of Indebtedness.&#148;</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(12)&nbsp;</TD>
    <TD align="left">
    According to a Schedule&nbsp;13D filed by SSC on
    September&nbsp;26, 2003 relating to Retail Ventures, Jay L.
    Schottenstein has power to vote and dispose of shares of
    Schottenstein Stores Corporation held by various trusts.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(13)&nbsp;</TD>
    <TD align="left">
    The address for Stephen Feinberg is c/o Cerberus Partners L.P.,
    299 Park Avenue, New York, New York 10171.</TD>
</TR>

<TR>
    <TD style="font-size: 3pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>(14)&nbsp;</TD>
    <TD align="left">
    Stephen Feinberg exercises sole voting and investment authority
    over all of our securities owned by Cerberus, directly or
    indirectly. Thus, pursuant to Rule 13d-3 under the Exchange Act,
    Mr. Feinberg is deemed to beneficially own 2,734,336 of our
    Common Shares issuable to Cerberus upon the exercise of its
    warrants exclusively for DSW Common Shares. Under the terms of
    the warrants, Cerberus may not exercise the warrants, to the
    extent such exercise would cause Cerberus, together with its
    affiliates, to beneficially own a number of Class&nbsp;A Common
    Shares which would exceed 9.99% of our then outstanding Common
    Shares following such exercise, excluding for purposes of such
    determination Class&nbsp;A Common Shares issuable upon exercise
    of the additional warrants which have not been exercised. The
    number of shares in the second column does not reflect this
    limitation.</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt;">96

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<DIV align="left" style="font-size: 10pt;">
<A name='116'></A>
</DIV>

<!-- link1 "DESCRIPTION OF INDEBTEDNESS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DESCRIPTION OF INDEBTEDNESS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Retail Ventures&#146; Existing Credit Facilities</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering,
Retail Ventures expects to amend and restate or terminate the
existing credit facilities of Value City and its other
affiliates, including certain facilities under which DSW has
rights and obligations as a co-borrower or co-guarantor. Retail
Ventures is a co-guarantor of all of these credit facilities.
When all of these existing Value City credit facilities are
amended, refinanced or terminated and the offering has been
completed, we expect to be released from our obligations as a
co-borrower or co-guarantor under each of them. These existing
facilities include:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Revolving Credit Facility. </I>Until the
amendment and restatement of this revolving credit agreement,
we, Value City and other named Retail Ventures affiliates will
continue to be co-borrowers under a Loan and Security Agreement,
as amended, entered into with National City, as administrative
agent, and the other parties named therein, originally entered
into in June 2002. Retail Ventures is a guarantor of this
revolving credit facility. The maturity date of this facility is
June&nbsp;11, 2006. This revolving credit agreement allows DSW,
Value City and the other Retail Ventures affiliates named as
co-borrowers to draw on a $425&nbsp;million revolving credit
facility, subject to applicable borrowing base restrictions. All
the capital stock of DSW and DSWSW is pledged to National City,
as administrative agent, in favor of the revolving credit
facility lenders. We, Retail Ventures and the other co-borrowers
and guarantors named therein are jointly and severally liable
for the liabilities incurred under the agreement. We have
reflected our direct obligations under this revolving credit
facility as they relate to borrowings secured by our assets in
our historical financial statements included elsewhere in this
prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering,
Retail Ventures and its affiliates will amend and restate this
revolving credit agreement, and we will be released from our
obligations thereafter. In addition, National City will release
its liens on our capital stock held by Retail Ventures and the
capital stock of DSWSW held by us. Leasehold mortgages granted
by DSW and DSWSW in 2002 to secure obligations under the
revolving credit agreement, as well as the Value City term loan
facility and subordinated convertible loan facility, will also
be released.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Term Loan Facility. </I>Until the amendment of
this term loan agreement, we, Value City and other Retail
Ventures affiliates will continue to be co-borrowers under a
Financing Agreement, as amended, among Cerberus, as agent, and
other parties named therein, originally entered into in June
2002. Under the terms of this term loan agreement, Cerberus and
SSC each provided to us, Value City and other Retail Ventures
affiliates named as the co-borrowers a separate $50&nbsp;million
three-year term loan comprised of two tranches. In July 2004,
the maturity dates of these term loans were extended until
June&nbsp;11, 2006. In connection with the second tranche of
these term loans, Value City issued to each of Cerberus and SSC
warrants to purchase 1,477,396&nbsp;common shares of Retail
Ventures at a purchase price of $4.50 per share, subject to
adjustment. In September 2002, Back Bay bought from each of
Cerberus and SSC a $1.5&nbsp;million interest in each of the
tranches of their term loans for an aggregate $6.0&nbsp;million
interest, and Back Bay received from each of Cerberus and SSC a
corresponding portion of the warrants to purchase Retail
Ventures common shares originally issued in connection with the
second tranche of their term loans. All the capital stock of DSW
and DSWSW is pledged to Cerberus, as agent, in favor of SSC,
Cerberus and Back Bay. As a co-borrower, we are jointly and
severally liable for the performance and payment of obligations
under this term loan agreement; however, this indebtedness has
not been reflected in our historical financial statements
included elsewhere in this prospectus as it is recorded on the
books of Retail Ventures.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering, we
expect to be released from our obligations as a co-borrower
pursuant to the amendment of this term loan agreement. We have
been advised by Retail Ventures that Value City expects to repay
all the term loan indebtedness on or about the date of the
consummation of this offering. In connection with the amendment
of this term loan agreement, Retail Ventures has agreed to amend
the outstanding warrants to provide SSC, Cerberus and Back Bay
the right, from time to time, in whole or in part, to
(i)&nbsp;acquire Retail Ventures common shares at the then
current conversion price (subject to the existing anti-dilution
provisions), (ii)&nbsp;acquire from Retail Ventures Class&nbsp;A
</DIV>

<P align="center" style="font-size: 10pt;">97

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<DIV align="left" style="font-size: 10pt;">
Common Shares of DSW at an exercise price per share equal to the
price of shares sold in this offering (subject to anti-dilution
provisions similar to those in the existing warrants), or
(iii)&nbsp;acquire a combination thereof.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Assuming an exercise price per share of $16.00, or the midpoint
of the range set forth on the cover of this prospectus, SSC and
Cerberus would each receive 390,586&nbsp;Class&nbsp;A Common
Shares, and Back Bay would receive 49,862&nbsp;Class&nbsp;A
Common Shares, if they exercised these warrants in full
exclusively for DSW Common Shares. These warrants expire in June
2012. Although Retail Ventures does not intend or plan to
undertake a spin-off of Common Shares to Retail Ventures
shareholders, in the event that Retail Ventures effects a
spin-off of its DSW Common Shares to its shareholders in the
future, the holders of outstanding unexercised warrants would
receive the same number of DSW&nbsp;Common Shares had they
exercised their warrants in full for Retail Ventures common
shares immediately prior to the record date of the spin-off,
without regard to any limitation on exercise contained in the
warrants. Following the completion of any such spin-off, the
warrants will be exercisable solely for Retail Ventures common
shares.
</DIV>

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</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the consummation of this offering, we will enter into
an exchange agreement with Retail Ventures whereby, upon the
request of Retail Ventures, we will be required to exchange some
or all of the Class&nbsp;B Common Shares held by Retail Ventures
for Class&nbsp;A Common Shares. SSC and Cerberus have the right
to require that we register for resale in specified
circumstances the Class&nbsp;A Common Shares issued to them upon
exercise of their warrants, and each of these entities and Back
Bay will be entitled to participate in the registrations
initiated by the other entities. Our failure to perform our
obligations under the registration rights agreement relating to
these shares would result in an event of default under the Value
City senior subordinated convertible loan facility, as amended.
See &#147;Certain Relationships and Related Party
Transactions&nbsp;&#151; Relationships Between our Company and
Retail Ventures&nbsp;&#151; Agreements Relating to our
Separation from Retail Ventures&nbsp;&#151; Exchange
Agreement&#148; and &#147;Shares Eligible for Future
Sale&nbsp;&#151; Registration Rights.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The Value City Senior Subordinated Convertible Loan
Facility.</I> Until the amendment and restatement of this
convertible loan agreement, we will continue to be a
co-guarantor under an Amended and Restated Senior Subordinated
Convertible Loan Agreement, entered into by Value City with
Cerberus, as agent and lender, SSC, as lender, and the other
parties named therein, originally entered into in June 2002.
Under the agreement, SSC initially provided a $75&nbsp;million
loan, now held equally by SSC and Cerberus, to Value City, as
borrower, which is convertible at the option of the lenders into
common shares of Retail Ventures at an initial conversion price
of $4.50 per share. The maturity date of this convertible loan
is June&nbsp;10, 2009. This indebtedness has not been reflected
in our historical financial statements included elsewhere in
this prospectus as it is recorded on the books of Retail
Ventures.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or about the date of the consummation of this offering, we
expect to be released from our obligations as co-guarantor
pursuant to the amendment and restatement of this convertible
loan agreement. We have been advised by Retail Ventures that
Value City expects to repay $25.0&nbsp;million of this facility
on or about the date of the consummation of this offering. The
$75&nbsp;million convertible loan will be converted into a
non-convertible loan, and the capital stock of DSW held by
Retail Ventures will continue to secure the amended and restated
loan facility. In addition, Retail Ventures has agreed to issue
to SSC and Cerberus convertible warrants which will be
exercisable from time to time until the later of June&nbsp;11,
2007 and the repayment in full of Value City&#146;s obligations
under the amended and restated loan agreement.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under the convertible warrants, SSC and Cerberus will have the
right, from time to time, in whole or in part, to
(i)&nbsp;acquire Retail Ventures common shares at the conversion
price referred to in the convertible loan (subject to existing
antidilution provisions), (ii)&nbsp;acquire from Retail Ventures
Class&nbsp;A Common Shares of DSW at an exercise price per share
equal to the price equal to the price of the shares sold to the
public in this offering (subject to antidilution provisions
similar to those in the existing warrants) or (iii)&nbsp;acquire
a combination thereof. Although Retail Ventures does not intend
or plan to undertake a spin-off of Common Shares to Retail
Ventures shareholders, in the event that Retail Ventures effects
a spin-off of its DSW Common Shares to its shareholders in the
future, the holders of outstanding unexercised warrants will
receive the same number of DSW&nbsp;Common Shares that they
would have received had they exercised their warrants in full
for Retail Ventures common shares immediately prior to the
record date of the spin-off, without regard to
</DIV>

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any limitation on exercise contained in the warrants. Following
the completion of any such spin-off, the warrants will be
exercisable solely for Retail Ventures common shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
SSC and Cerberus may acquire, upon exercise of the warrants in
full, an aggregate number of Class&nbsp;A Common Shares of DSW
from Retail Ventures which, at the price of shares sold to the
public in this offering, have a value equal to $75&nbsp;million.
Assuming an exercise price per share of $16.00, or the midpoint
of the range set forth on the cover of this prospectus, SSC and
Cerberus would each receive 2,343,750 Class&nbsp;A Common Shares
if they exercised these warrants exclusively for DSW Common
Shares.
</DIV>

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</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the consummation of this offering, we will enter into
an exchange agreement with Retail Ventures whereby, upon the
request of Retail Ventures, we will be required to exchange some
or all of the Class&nbsp;B Common Shares from Retail Ventures
for Class&nbsp;A Common Shares. SSC and Cerberus have the right
to require that we register for resale in specified
circumstances the Class&nbsp;A Common Shares issued to them upon
exercise of their warrants. See &#147;Certain Relationships and
Related Party Transactions&nbsp;&#151; Relationships Between our
Company and Retail Ventures&nbsp;&#151; Agreements Relating to
our Separation from Retail Ventures&nbsp;&#151; Exchange
Agreement&#148; and &#147;Shares Eligible for Future
Sale&nbsp;&#151; Registration Rights.&#148;
</DIV>

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</FONT></DIV>

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</FONT></DIV>

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<I>Value City Intercompany Note. </I>The capital stock of DSW
held by Retail Ventures will continue to secure the
$240&nbsp;million Value City intercompany note made payable by
Retail Ventures to Value City, which was executed and delivered
on January&nbsp;1, 2005 in connection with the transfer of all
the capital stock of DSW and Filene&#146;s Basement by Value
City to Retail Ventures on that date. The lien granted to Value
City on the DSW capital stock held by Retail Ventures will be
released upon written notice that warrants held by Cerberus, SSC
and Back Bay are to be exercised in exchange for DSW capital
stock held by Retail Ventures and to be delivered by Retail
Ventures upon the exercise of such warrants. The lien will also
be released upon repayment of the note in full.
</DIV>

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</FONT></DIV>

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</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Our Existing Intercompany Indebtedness</B>
</DIV>

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<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The $165.0&nbsp;Million Intercompany Note.</I> In March 2005,
we incurred intercompany indebtedness to fund a $165.0 million
dividend to Retail Ventures. The indebtedness is evidenced by a
note which is scheduled to mature in March 2020 and bears
interest at a rate equal to LIBOR plus 850 basis points per
year. Interest is payable quarterly in arrears commencing on
June&nbsp;30, 2005. Our obligations under the note are
guaranteed by our subsidiary. We expect to exercise our right to
prepay the note with the net proceeds of this offering.
</DIV>

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</FONT></DIV>

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</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>The $25.0&nbsp;Million Intercompany Note.</I> In May 2005, we
incurred intercompany indebtedness to fund a $25.0&nbsp;million
dividend to Retail Ventures. The indebtedness is evidenced by a
note which is scheduled to mature in May 2020 and bears interest
at a rate equal to LIBOR plus 950 basis points per year.
Interest is payable quarterly in arrears commencing on
June&nbsp;30, 2005. Our obligations under the note are
guaranteed by our subsidiary. We expect to exercise our right to
prepay the note with the net proceeds of this offering.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Cross-Corporate Guarantees. </I>We have entered into
cross-corporate guarantees with various financing institutions
pursuant to which we, Retail Ventures, Filene&#146;s Basement
and Value City, jointly and severally, guarantee payment
obligations owed to these entities under factoring arrangements
they have entered into with vendors who may provide merchandise
to some or all of Retail Ventures&#146; subsidiaries. We may be
released from any prospective liability under the guarantees at
any time. Upon release, our potential liability would be limited
to the then outstanding amount under the canceled guarantee. We
will terminate these cross-corporate guarantees on or about the
date of the consummation of this offering. The outstanding
balance of our potential liability as of May&nbsp;23, 2005 was
$38.3&nbsp;million, and we do not expect this amount to change
significantly between now and the time the guarantees are
terminated. After the guarantees are cancelled, the outstanding
balance will decrease to zero over a period of approximately
90&nbsp;days as payments are made in the ordinary course of
business.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Intercompany Accounts.</I> Historically, DSW and Retail
Ventures have used intercompany transactions in the conduct of
their operations. Under this arrangement, Retail Ventures has
acted as a central processing location for payments for the
acquisition of merchandise, payroll, outside services, capital
additions and expenses by controlling the payroll and accounts
payable activities for all Retail Ventures&#146; subsidiaries,
including DSW. DSW has transferred cash received from sales of
merchandise to cash accounts controlled by Retail Ventures. The
concentration of cash and the offsetting payments for
merchandise, expenses, capital
</DIV>

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assets and accruals for future payments are accumulated on our
balance sheet in advances to affiliates. The balance of advances
to affiliates fluctuates based on DSW&#146;s activities with
Retail Ventures.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After the consummation of this offering, DSW&#146;s intercompany
activities will be limited to those arrangements set forth in
the shared services agreement and the other agreements described
in this prospectus. DSW will no longer concentrate its cash from
the sale of merchandise into Retail Ventures&#146; accounts but
into its own DSW accounts. DSW will also pay for its own
merchandise, expenses and capital additions from newly
established disbursement accounts. Any intercompany payments
will be made pursuant to the terms of the shared services
agreement and other agreements described in this prospectus.
</DIV>

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<B>Our New Secured Revolving Credit Facility</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon the consummation of this offering, Retail Ventures will
amend and restate or terminate the existing Value City credit
facilities, and we expect that we will be released from our
obligations as co-borrower or co-guarantor thereunder.
Simultaneously, we expect to enter into a new $150&nbsp;million
secured revolving credit facility with a term of five years.
Under this new facility, we expect that we and our subsidiary,
DSWSW, will be named as co-borrowers. This new facility is
expected to have borrowing base restrictions and will provide
for borrowings at variable interest rates based on LIBOR, the
prime rate and the Federal Funds effective rate, plus a margin.
Our obligations under our new secured revolving credit facility
will be guaranteed by our subsidiary and secured by a lien on
substantially all our and our subsidiary&#146;s personal
property and a pledge of our shares of DSWSW. In addition, the
new secured revolving credit facility will contain usual and
customary restrictive covenants relating to our management and
the operation of our business. These covenants will, among other
things, restrict our ability to operate our business, including,
but not limited to, our ability to grant liens on our assets,
incur additional indebtedness, open or close stores, pay cash
dividends and redeem our stock, enter into transactions with
affiliates and merge or consolidate with another entity. In
addition, if at any time we utilize over 90% of our borrowing
capacity under this facility, we must comply with a fixed charge
coverage ratio test set forth in the facility documents.
</DIV>

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<A name='117'></A>
</DIV>

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<B>DESCRIPTION OF CAPITAL STOCK</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our amended articles of incorporation provide that we may issue
up to 170,000,000&nbsp;Class&nbsp;A Common Shares without par
value, 100,000,000&nbsp;Class&nbsp;B Common Shares and
100,000,000&nbsp;shares of preferred stock, without par value.
Upon completion of this offering, we will have
14,162,500&nbsp;Class&nbsp;A Common Shares outstanding
(16,271,875&nbsp;shares if the underwriters&#146; option to
purchase additional shares is exercised is full),
27,702,667&nbsp;Class&nbsp;B Common Shares, and no shares of
preferred stock outstanding. The number of Class&nbsp;A Common
Shares outstanding assumes the issuance of
100,000&nbsp;restricted Class&nbsp;A Common Shares and stock
units pursuant to the terms of DSW&#146;s equity incentive plan.
We expect to issue these restricted shares and stock units
immediately following the pricing of but prior to the
consummation of this offering; however, the issuances remain
subject to approval by the DSW board of directors prior to the
consummation of this offering.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following description of our capital stock does not purport
to be complete and is subject to, and is qualified by, our
amended articles of incorporation and amended and restated code
of regulations, which will be filed as exhibits to the
registration statement of which this prospectus is part.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Common Shares</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the date of this prospectus, our articles of
incorporation were amended to change the common shares of DSW
into 27,702,667&nbsp;Class&nbsp;B Common Shares. As of the date
of this prospectus, and before giving effect to this offering,
the 27,702,667 outstanding Class&nbsp;B Common Shares were owned
by Retail Ventures, as our direct parent, and no Class&nbsp;A
Common Shares were outstanding.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The holders of Class&nbsp;A Common Shares and Class&nbsp;B
Common Shares generally have identical rights except that
holders of Class&nbsp;A Common Shares are entitled to one vote
per share on all matters to be voted on by the shareholders,
while holders of Class&nbsp;B Common Shares are entitled to
eight votes per share on all matters to be voted on by the
shareholders, voting together with the holders of the
Class&nbsp;A Common Shares as a single class. The holders of
Common Shares are not entitled to cumulative voting rights.
Generally, all matters to be voted on by shareholders must be
approved by a majority (or, in the case of election of
directors, by a plurality) of the votes entitled to be cast by
all Class&nbsp;A Common Shares and Class&nbsp;B Common Shares
present in person or represented by proxy, voting together as a
single class, subject to any voting rights granted to holders of
any preferred stock.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Holders of Common Shares have no preemptive rights, and the
Common Shares are not subject to further calls or assessment by
us. There are no redemptive or sinking fund provisions
applicable to the Common Shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Holders of Class&nbsp;A Common Shares and Class&nbsp;B Common
Shares will share in an equal amount per share in any dividend
declared by the board of directors, subject to any preferential
rights of any outstanding preferred stock. Dividends consisting
of shares of Class&nbsp;A Common Shares and Class&nbsp;B Common
Shares may be paid only as follows: (i)&nbsp;Class&nbsp;A Common
Shares may be paid only to holders of Class&nbsp;A Common Shares
and Class&nbsp;B Common Shares may be paid only to holders of
Class&nbsp;B Common Shares and (ii)&nbsp;shares shall be paid
proportionately with respect to each outstanding Class&nbsp;A
Common Share and Class&nbsp;B Common Share.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon liquidation, dissolution or winding up of the affairs of
DSW, our creditors and any holders of preferred stock will be
paid before any distribution to holders of Common Shares. The
holders of Common Shares would be entitled to receive a pro rata
distribution of any excess amount. All outstanding Common Shares
are, and the Class&nbsp;A Common Shares offered in this offering
when issued and paid for will be, fully paid and nonassessable.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The rights, preferences and privileges of holders of Common
Shares are subject to, and may be adversely affected by, the
rights of holders of shares of any series of preferred stock
which our board of directors may designate and issue in the
future.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our Class&nbsp;A Common Shares have been approved for listing on
the NYSE under the symbol &#147;DSW.&#148;
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Preferred Shares</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The board may fix by resolution the designations, preferences
and relative, participating, optional or other rights and the
qualifications, limitations or restrictions of our preferred
shares, including the number of shares in any series,
liquidation preferences, dividend rates, voting rights,
conversion rights and redemption provisions. Terms selected
could decrease the amount of earnings and assets available for
distribution to holders of our Common Shares or adversely affect
the rights and power, including voting rights, of the holders of
our Common Shares without any further vote or action by the
shareholders. Any series of preferred shares issued by the board
could have priority over the Common Shares in terms of dividend
or liquidation rights or both. The issuance of preferred shares,
or the issuance of rights to purchase preferred shares, could
have the effect of delaying, deferring or preventing a change of
control of the company or an unsolicited acquisition proposal or
of making the removal of management more difficult.
Additionally, the issued of preferred shares may have the effect
of decreasing the market price of our Common Shares, and may
adversely affect the voting and other rights of the holders of
Common Shares. There are currently no outstanding preferred
shares. While we have no present intention to issue any
preferred shares, any issuance could make it more difficult for
a third party to acquire a majority of our outstanding voting
shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Provisions of Our Amended Articles of Incorporation Governing
Corporate Opportunities and Related Party Transactions</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After this offering, Retail Ventures will remain a substantial
shareholder of DSW and SSC will remain a substantial shareholder
of Retail Ventures. Retail Ventures and SSC are engaged in the
same or similar activities or lines of business as we are and
have interests in the same areas of corporate opportunities. See
&#147;Certain Relationships and Related Party
Transactions&nbsp;&#151; Provisions of our Amended Articles of
Incorporation Governing Corporate Opportunities and Related
Party Transactions,&#148; for descriptions of the provisions in
our amended articles of incorporation that will govern
conflicts, corporate opportunities and related party
transactions. These provisions will be substantially similar to
those that currently apply to us through provisions of Retail
Ventures&#146; amended articles of incorporation.
</DIV>

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<B>Anti-Takeover Effects of Certain Provisions of our Amended
Articles of Incorporation, our Amended and Restated Code of
Regulations and Ohio Law.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Provisions of our amended articles of incorporation and amended
and restated code of regulations and of the Ohio General
Corporation Law summarized below may be deemed to have an
anti-takeover effect and may delay, defer or prevent a tender
offer or takeover attempt that a shareholder might consider in
its best interest, including those attempts that might result in
a premium over the market price for the shares held by
shareholders.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>No Cumulative Voting. </I>Where cumulative voting is
permitted, each share is entitled to as many votes as there are
directors to be elected and each shareholder may cast all of his
or her votes for a single candidate or distribute such votes
among two or more candidates. Cumulative voting makes it easier
for a minority shareholder to elect a director. Our amended
articles of incorporation expressly deny shareholders the right
to cumulative voting.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Supermajority Vote to Remove Directors. </I>DSW&#146;s
amended and restated code of regulations provides that the
shareholders may remove a director only by the vote of the
holders of not less than three-fourths of the voting power of
the corporation entitling them to elect directors in place of
those to be removed. This provision, when coupled with the
voting power of the Class&nbsp;B Common Shares held by Retail
Ventures (94.1% following this offering), will preclude even a
majority shareholder from removing incumbent directors and
simultaneously gaining control of the board of directors by
filling the vacancies.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Classified Board. </I>DSW&#146;s amended and restated code of
regulations provides for the board of directors to be divided
into two classes of directors serving staggered two-year terms
when the authorized number of directors is six or more, but less
than nine. Because the amended and restated code of regulations
will authorize seven directors, approximately one-half of the
board of directors will be elected each year. This
</DIV>

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<DIV align="left" style="font-size: 10pt;">
provision, when coupled with the vote required to remove
directors, can preclude even a majority shareholder from gaining
control of the board of directors in one election.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Authorized But Unissued Shares. </I>Our authorized but
unissued Common Shares and preferred shares are available for
future issuance without shareholder approval. These additional
shares may be utilized for a variety of corporate purposes,
including future public offerings to raise additional capital,
corporate acquisitions and employee benefit plans. Our amended
articles of incorporation authorize our board of directors to
issue up to preferred shares and to determine the powers,
preferences, privileges, rights, including voting rights,
qualifications, limitations and restrictions on those shares,
without any further vote or action by the shareholders. The
existence of authorized but unissued Common Shares and preferred
shares could have the effect of delaying, deterring or
preventing an attempt to obtain control of DSW by means of a
proxy contest, tender offer, merger or otherwise.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Special Meeting of Shareholders. </I>Our amended and restated
code of regulations provides that special meeting of our
shareholders may be called only by:
</DIV>

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    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
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<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the chairman of the board, the president, or in case of the
    president&#146;s death or disability, the vice president
    authorized to exercise the authority of the president;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the directors by action at a meeting, or a majority of the
    incumbent directors acting without a meeting; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the holders of at least 50% of all shares outstanding and
    entitled to vote thereat.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Actions by Written Consent. </I>Section&nbsp;1701.54 of the
Ohio General Corporation Law requires that an action by written
consent of the shareholders in lieu of a meeting be unanimous,
except that under Section&nbsp;1701.11 of the Ohio General
Corporation Law, the code of regulations may be amended by an
action by written consent of holders of two-thirds of the voting
power of the corporation or, if the articles of incorporation or
code of regulations otherwise provide, such greater or lesser
amount, but not less than a majority. Our amended and restated
code of regulations provides that the code of regulations may be
amended by an action by written consent of holders of a majority
of our total voting power. Based on its ownership after the
proposed offering, Retail Ventures will have enough shares to
amend our amended and restated code of regulations. This
provision coupled with Retail Ventures&#146; ownership may have
the effect of delaying, deferring or preventing a tender offer
or takeover attempt that a shareholder might consider in its
best interest.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Advance Notice Requirements for Shareholder Proposals and
Director Nominations.</I> Our amended and restated code of
regulations provides that shareholders seeking to nominate
candidates for election as directors at an annual or special
meeting of shareholders must provide timely notice to us in
writing. To be timely, a shareholder&#146;s notice must be
received at our principal executive offices not less than
60&nbsp;days nor more than 90&nbsp;days prior to the first
anniversary of the date of the previous year&#146;s annual
meeting (or, if the date of the annual meeting is changed by
more than 30&nbsp;days from the anniversary date of the
preceding year&#146;s annual meeting, or in the case of a
special meeting, within ten days after we mail the notice of the
date of the meeting or otherwise publicly disclose the date of
the meeting.) The amended and restated code of regulations also
prescribes the proper written form for a shareholder&#146;s
notice. These provisions may preclude shareholders from making
nominations for directors at an annual or special meeting.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>We Have Opted Out of the Ohio Control Share Acquisition
Statute.</I> We have opted out of the application of the Ohio
Control Share Acquisition Statute Section&nbsp;1701.831 of the
Ohio Revised Code, known as the &#147;Ohio Control Share
Acquisition Statute.&#148; This statute provides that, unless a
corporation&#146;s articles of incorporation or code of
regulations provide that such section does not apply, notice and
information filings, and special shareholder meeting and voting
procedures, must occur prior to any person&#146;s acquisition of
an
</DIV>

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<DIV align="left" style="font-size: 10pt;">
issuer&#146;s shares that would entitle the acquirer to exercise
or direct the voting power of the issuer in the election of
directors within any of the following ranges:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

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    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    one-fifth or more but less than one-third of the voting power;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    one-third or more but less than a majority of the voting power;
    and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    a majority or more of the voting power.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>We Have Opted Out of the Merger Moratorium Statute. </I>We
have opted out of the application of Chapter&nbsp;1704 of the
Ohio Revised Code, known as the &#147;Merger Moratorium
Statute.&#148; This statute prohibits certain transactions if
they involve both the issuer and either a person who became the
beneficial owner of 10% or more of the issuer&#146;s shares
without the prior approval of its board of directors or anyone
affiliated or associated with such person, unless a
corporation&#146;s articles of incorporation or code of
regulations provide that such statute does not apply. The
prohibition imposed by Chapter&nbsp;1704 is absolute for at
least three years and continues indefinitely thereafter unless
the transaction is approved by the holders of at least
two-thirds of the voting power of the issuer or satisfies
statutory conditions relating to the fairness of the
consideration to be received by the shareholders.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Transfer Agent and Registrar</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The transfer agent and registrar for our Class&nbsp;A Common
Shares is National City Bank. The telephone number of National
City Bank is 1-800-622-6757.
</DIV>

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<DIV align="left" style="font-size: 10pt;">
<A name='118'></A>
</DIV>

<!-- link1 "SHARES ELIGIBLE FOR FUTURE SALE" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>SHARES ELIGIBLE FOR FUTURE SALE</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to this offering, there has been no public market for our
Class&nbsp;A Common Shares, and we cannot predict the effect, if
any, that market sales of shares or availability of any shares
for sale will have on the market price of our Class&nbsp;A
Common Shares prevailing from time to time. Sales of substantial
amounts of Common Shares (including shares issued on the
exercise of options, warrants or convertible securities, if any)
or the perception that such sales could occur, could adversely
affect the market price of our Class&nbsp;A Common Shares and
our ability to raise additional capital through a future sale of
securities.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon completion of this offering, we will have
14,162,500&nbsp;shares of our Class&nbsp;A Common Shares
outstanding (irrespective of whether the underwriters exercise
their over-allotment option). We will also have
27,702,667&nbsp;shares of our Class&nbsp;B Common Shares
outstanding. The number of Class&nbsp;A Common Shares
outstanding assumes the issuance of 100,000 restricted
Class&nbsp;A Common Shares and stock units pursuant to the terms
of DSW&#146;s equity incentive plan. We expect to issue these
restricted shares immediately following the pricing of but prior
to the consummation of this offering; however, the issuances
remain subject to approval by the DSW board of directors prior
to the consummation of this offering. The 14,062,500 (or
16,171,875 if the underwriters&#146; option to purchase
additional shares is exercised in full) Class&nbsp;A Common
Shares sold in this offering will be freely tradable without
restriction or further registration under the Securities Act
unless such shares are purchased by &#147;affiliates&#148; as
that term is defined in Rule&nbsp;144 under the Securities Act.
Subject to certain contractual restrictions, holders of
restricted shares will be entitled to sell those shares in the
public securities markets if they qualify for an exemption from
registration under Rule&nbsp;144 or any other applicable
exemption under the Securities Act. Subject to the lock-up
agreements described below and the provisions of Rules&nbsp;144,
144(k) and 701, additional shares will be available for sale as
set forth below.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Lock-Up Agreements</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We, each of our executive officers and directors, Retail
Ventures, SSC, Cerberus and Back Bay have agreed not to sell or
transfer any Common Shares or securities convertible into or
exercise or exchangeable for our Common Shares for a period of
180&nbsp;days after the date of this prospectus without first
obtaining the written consent of Lehman Brothers Inc. on behalf
of the underwriters, except that Cerberus may effect a transfer
of all of its warrants to a single person or group of related
persons, provided that any transferee or transferees of Cerberus
also agree, for the duration of the lock-up period, that any
further transfer shall be made on the same terms, and provided
further that neither Cerberus nor its direct or indirect
transferees may transfer any DSW Common Shares underlying the
warrants for the remainder of the lock-up period. In addition,
persons purchasing more than 1,000 Class&nbsp;A Common Shares in
the directed share program described in &#147;Underwriting&#148;
will be subject to a 25-day lock-up period.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Registration Rights</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under the master separation agreement, we have agreed to effect
up to one demand registration per calendar year of our Common
Shares, whether Class&nbsp;A or Class&nbsp;B, held by Retail
Ventures, if requested by Retail Ventures. We have also granted
Retail Ventures the right to include its Common Shares of DSW in
an unlimited number of other registrations of such shares
initiated by us or on behalf of our other shareholders.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We will enter into a registration rights agreement with Cerberus
and SSC under which we will agree to register in specified
circumstances the Class&nbsp;A Common Shares issued to them upon
exercise of their warrants, and each of these entities and Back
Bay will be entitled to participate in the registrations
initiated by the other entities. Under this agreement, each of
Cerberus and SSC may request up to three demand registrations
with respect to the Class&nbsp;A Common Shares issued to them
upon exercise of their warrants. The agreement will also grant
Cerberus, SSC and Back Bay the right to include these
Class&nbsp;A Common Shares in an unlimited number of other
registrations of any of our securities initiated by us or on
behalf of our other shareholders (other than a demand
registration made under the agreement). Our failure to perform
our obligations under this agreement would result in an event of
default under the Value City senior subordinated convertible
loan facility, as amended.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Stock Options and Restricted Shares</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Immediately following the pricing of but prior to the
consummation of this offering, we expect to grant employee stock
options to purchase up to 900,000&nbsp;shares to several of our
officers under the DSW 2005 Equity Plan. The exercise price per
share will be equal to the initial public offering price per
share. We also expect at that time to issue up to 100,000
restricted Class&nbsp;A Common Shares and stock units at a price
per share equal to the initial public offering price per share.
These issuances remain subject to approval by the DSW board of
directors prior to the consummation of this offering, and we
expect to register the Class&nbsp;A Common Shares subject to the
DSW 2005 Equity Plan prior to the consummation of this offering.
After giving effect to these expected issuances, we will have
3,600,000 additional Class&nbsp;A Common Shares available for
issuance under the DSW 2005 Equity Plan pursuant to which we may
grant stock options, stock appreciation rights, restricted stock
awards, restricted stock units, performance share awards and
annual incentive awards.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Rule&nbsp;144</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In general, under Rule&nbsp;144 of the Securities Act as
currently in effect, beginning 90&nbsp;days after the date of
this prospectus, a person (or persons whose shares are
aggregated) who has beneficially owned restricted securities
within the meaning of Rule&nbsp;144 for at least one year
(including the holding period of any prior owner other than an
affiliate), would be entitled to sell within any three-month
period, a number of shares that does not exceed the greater of:
</DIV>

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<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    one percent of the number of common shares then outstanding,
    which will equal approximately 418,652 Common Shares immediately
    after this offering; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the average weekly trading volume of the common shares on the
    NYSE during the four calendar weeks preceding the sale.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Sales under Rule&nbsp;144 are also subject to other requirements
regarding the manner of sale, notice filing and the availability
of current public information about us. An &#147;affiliate&#148;
is a person that directly, or indirectly through one or more
intermediaries, controls or is controlled by, or is under common
control with an issuer.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Rule&nbsp;144(k)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under Rule&nbsp;144(k), a person (or persons whose shares are
aggregated) who is not deemed to have been our affiliate at any
time during the three months preceding a sale, and who has
beneficially owned the shares proposed to be sold for at least
two years (including the holding period of any prior owner other
than an affiliate), is entitled to sell these shares under
Rule&nbsp;144(k) without complying with the manner of sale,
public information, volume limitation or notice provisions of
Rule&nbsp;144. Therefore, unless otherwise restricted,
&#147;144(k)&#148; shares may be sold immediately upon
completion of this offering.
</DIV>

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<DIV align="left" style="font-size: 10pt;">
<A name='119'></A>
</DIV>

<!-- link1 "MATERIAL U.S. FEDERAL INCOME AND ESTATE TAX CONSEQUENCES" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>MATERIAL U.S.&nbsp;FEDERAL INCOME AND ESTATE TAX
CONSEQUENCES</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following is a general discussion of the anticipated
material U.S.&nbsp;federal income and estate tax consequences
relating to the ownership and disposition of our Class&nbsp;A
Common Shares by non-United States holders, as defined below,
who purchase our Class&nbsp;A Common Shares in this offering and
hold such Class&nbsp;A Common Shares as capital assets. This
discussion is based on currently existing provisions of the
Internal Revenue Code of 1986, as amended, or the Code, existing
and proposed Treasury regulations promulgated thereunder, and
administrative and judicial interpretation thereof, all as in
effect or proposed on the date hereof and all of which are
subject to change, possibly with retroactive effect or different
interpretations. This discussion does not address all the tax
consequences that may be relevant to specific holders in light
of their particular circumstances or to holders subject to
special treatment under U.S.&nbsp;federal income or estate tax
laws (such as financial institutions, insurance companies,
tax-exempt organizations, retirement plans, partnerships and
their partners, other pass-through entities and their members,
dealers in securities, brokers, U.S.&nbsp;expatriates, or
persons who have acquired our Class&nbsp;A Common Shares as part
of a straddle, hedge, conversion transaction or other integrated
investment). This discussion does not address the
U.S.&nbsp;state and local or non-U.S.&nbsp;tax consequences
relating to the ownership and disposition of our Class&nbsp;A
Common Shares. <B>You are urged to consult your own tax advisor
regarding the U.S.&nbsp;federal tax consequences of owning and
disposing of our Class&nbsp;A Common Shares, as well as the
applicability and effect of any state, local or foreign tax
laws.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As used in this discussion, the term &#147;non-United States
holder&#148; refers to a beneficial owner of our Class&nbsp;A
Common Shares that for U.S.&nbsp;federal income tax purposes is
not:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(i)&nbsp;an individual who is a citizen or resident of the
United States;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(ii)&nbsp;a corporation (or other entity taxable as a
corporation) created or organized in or under the laws of the
United States or any state or political subdivision thereof or
therein, including the District of Columbia;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(iii)&nbsp;an estate the income of which is subject to
U.S.&nbsp;federal income tax regardless of source thereof; or
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(iv)&nbsp;a trust (a)&nbsp;with respect to which a court within
the United States is able to exercise primary supervision over
its administration and one or more United States persons have
the authority to control all its substantial decisions, or
(b)&nbsp;that has in effect a valid election under applicable
U.S.&nbsp;Treasury Regulations to the treated as a United States
person.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
An individual may, in many cases, be treated as a resident of
the United States, rather than a nonresident, among other ways,
by virtue of being present in the United States on at least
31&nbsp;days in that calendar year and for an aggregate of at
least 183&nbsp;days during the three-year period ending in that
calendar year (counting for such purposes all the days present
in the current year, one-third of the days present in the
immediately preceding year and one-sixth of the days present in
the second preceding year). Residents are subject to
U.S.&nbsp;federal income tax as if they were U.S.&nbsp;citizens.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If a partnership or other entity or arrangement treated as a
partnership for U.S.&nbsp;federal income tax purposes holds
Class&nbsp;A Common Shares, the tax treatment of a partner will
generally depend upon the status of the partner and the
activities of the partnership. If you are a partner of a
partnership holding Class&nbsp;A Common Shares, we urge you to
consult your own tax advisor.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Dividends</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We or a withholding agent will have to withhold
U.S.&nbsp;federal withholding tax from the gross amount of any
dividends paid to a non-United States holder at a rate of 30%,
unless (i)&nbsp;an applicable income tax treaty reduces or
eliminates such tax, and a non-United States holder claiming the
benefit of such treaty provides to us or such agent proper
Internal Revenue Service, or IRS, documentation or (ii)&nbsp;the
dividends are effectively connected with a non-United States
holder&#146;s conduct of a trade or business in the United
States and the non-United States holder provides to us or such
agent proper IRS documentation. In the latter case, such
non-United States holder generally will be subject to
U.S.&nbsp;federal income tax with respect to such dividends in
the same manner as a U.S.&nbsp;citizen or corporation, as
applicable, unless otherwise provided in an applicable
</DIV>

<P align="center" style="font-size: 10pt;">107

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<DIV align="left" style="font-size: 10pt;">
income tax treaty. Additionally, a non-United States holder that
is a corporation could be subject to a branch profits tax on
effectively connected dividend income at a rate of 30% (or at a
reduced rate under an applicable income tax treaty). If a
non-United States holder is eligible for a reduced rate of
U.S.&nbsp;federal withholding tax pursuant to an income tax
treaty, such non-United States holder may obtain a refund of any
excess amount withheld by filing an appropriate claim for refund
with the IRS.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Sale, Exchange or Other Disposition</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Generally, a non-United States holder will not be subject to
U.S.&nbsp;federal income tax on gain realized upon the sale,
exchange or other disposition of our Class&nbsp;A Common Shares
unless (i)&nbsp;such non-United States holder is an individual
present in the United States for 183&nbsp;days or more in the
taxable year of the sale, exchange or other disposition and
certain other conditions are met, (ii)&nbsp;the gain is
effectively connected with such non-United States holder&#146;s
conduct of a trade or business in the United States, or where a
tax treaty provides, the gain is attributable to a
U.S.&nbsp;permanent establishment of such non-United States
holder, or (iii)&nbsp;we are or have been a &#147;U.S.&nbsp;real
property holding corporation&#148; for U.S.&nbsp;federal income
tax purposes at any time during the shorter of the five-year
period preceding such sale, exchange or other disposition or the
period that such non-United States holder held our Class&nbsp;A
Common Shares, or the Applicable Period.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We do not believe that we have been, are currently or are likely
to be a U.S.&nbsp;real property holding corporation for
U.S.&nbsp;federal income tax purposes. If we were to become a
U.S.&nbsp;real property holding corporation, so long as our
common shares are regularly traded on an established securities
market and continue to be traded, a non-United States holder
would be subject to U.S.&nbsp;federal income tax on any gain
from the sale, exchange or other disposition of Class&nbsp;A
Common Shares only if such non-United States holder actually or
constructively owned, during the Applicable Period more than 5%
of our Class&nbsp;A Common Shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Special rules may apply to non-United States holders, such as
controlled foreign corporations, passive foreign investment
companies and corporations that accumulate earnings to avoid
federal income tax, that are subject to special treatment under
the Code. These entities should consult their own tax advisors
to determine the U.S.&nbsp;federal, state, local and other tax
consequences that may be relevant to them.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Federal Estate Tax</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Common stock owned or treated as owned by an individual who is a
non-United States holder at the time of his or her death
generally will be included in the individual&#146;s gross estate
for U.S.&nbsp;federal estate tax purposes and may be subject to
U.S.&nbsp;federal estate tax unless an applicable estate tax
treaty provides otherwise.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Information Reporting and Backup Withholding Tax</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Information reporting may apply to payments made to a non-United
States holder on or with respect to our Class&nbsp;A Common
Shares. Backup withholding tax (at the then applicable rate) may
also apply to payments made to a non-United States holder on or
with respect to our Class&nbsp;A Common Shares, unless the
non-United States holder certifies as to it status as a
non-United States holder under penalties of perjury or otherwise
establishes an exemption, and certain other conditions are
satisfied. Backup withholding is not an additional tax. Any
amounts withheld under the backup withholding rules from a
payment to a non-United States holder will be allowed as a
refund or a credit against such non-United States holder&#146;s
U.S.&nbsp;federal income tax liability, provided that the
required information is timely furnished to the IRS.
</DIV>

<P align="center" style="font-size: 10pt;">108

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<DIV align="left" style="font-size: 10pt;">
<A name='120'></A>
</DIV>

<!-- link1 "UNDERWRITING" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>UNDERWRITING</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Under the terms of an underwriting agreement, which will be
filed as an exhibit to the registration statement relating to
this prospectus, each of the underwriters named below, for whom
Lehman Brothers Inc., Goldman, Sachs&nbsp;&#38; Co., CIBC World
Markets Corp. and Johnson Rice&nbsp;&#38; Company L.L.C. are
acting as representatives, have severally agreed to purchase
from us the respective number of our Class&nbsp;A Common Shares
opposite their names below:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="81%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Number of</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2" align="left" nowrap><B>Underwriter</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Shares</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Lehman Brothers Inc.&nbsp;</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Goldman, Sachs &#38; Co.&nbsp;</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CIBC World Markets Corp.&nbsp;</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Johnson Rice &#38; Company L.L.C.&nbsp;</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14,062,500</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The underwriting agreement provides that the underwriters&#146;
obligation to purchase our Class&nbsp;A Common Shares depends on
the satisfaction of the conditions contained in the underwriting
agreement, including:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the obligation to purchase all our Class&nbsp;A Common Shares
    offered hereby, if any of the shares are purchased;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the representations and warranties made by us to the
    underwriters are true;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    there is no material change in the financial markets; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    we deliver customary closing documents to the underwriters.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Commissions and Expenses</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following table summarizes the underwriting discounts and
commissions we will pay to the underwriters. These amounts are
shown assuming both no exercise and full exercise of the
underwriters&#146; option to purchase additional shares. The
underwriting fee is the difference between the initial price to
the public and the amount the underwriters pay to us for the
shares.
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="66%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>No Exercise</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Full Exercise</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Per share</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The representatives of the underwriters have advised us that the
underwriters propose to offer shares of our Class&nbsp;A Common
Shares directly to the public at the public offering price on
the cover of this prospectus and to selected dealers, who may
include the underwriters, at such offering price less a selling
concession not in excess of
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per
share. The underwriters may allow, and the selected dealers may
re-allow, a discount from the concession not in excess of
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per
share to other dealers. After this offering, the representatives
may change the public offering price and other offering terms.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The expenses of this offering that are payable by us are
estimated to be approximately $7.0&nbsp;million.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Option to Purchase Additional Shares</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have granted the underwriters an option after the date of the
prospectus to purchase, from time to time, in whole or in part,
up to an aggregate of 2,109,375 Class&nbsp;A Common Shares at
the public offering price less underwriting discounts and
commissions. The option may be exercised if the underwriters
sell more than 14,062,500 Class&nbsp;A Common Shares in
connection with this offering. To the extent that this option is
exercised, each underwriter will be obligated, subject to
certain conditions, to purchase its pro rata portion of these
additional shares based on the underwriter&#146;s percentage
underwriting commitment in this offering as indicated in the
preceding table.
</DIV>

<P align="center" style="font-size: 10pt;">109

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<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Lock-Up Agreements</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We, Retail Ventures, SSC, Cerberus, and Back Bay, and all of our
directors and executive officers have agreed that, without the
prior written consent of Lehman Brothers Inc. on behalf of the
underwriters, we and they will not directly or indirectly offer,
pledge, announce the intention to sell, sell, contract to sell,
sell an option or contract to purchase, purchase any option or
contract to sell, grant any option, right or warrant to
purchase, or otherwise transfer or dispose of any of our Common
Shares or any securities which may be converted into or
exchanged for any of our Common Shares or enter into any swap or
other agreement that transfers, in whole or in part, any of the
economic consequences of ownership of any of our Common Shares
for a period of 180&nbsp;days from the date of this prospectus
other than permitted transfers.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The 180-day restricted period described in the preceding
paragraph will be extended if:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    during the last 17&nbsp;days of the 180-day restricted period we
    issue an earnings release or announce material news or a
    material event; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    prior to the expiration of the 180-day restricted period, we
    announce that we will release earnings results during the 16-day
    period beginning on the last day of the 180-day period,</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
in which case the restrictions described in the preceding
paragraph will continue to apply until the expiration of the
18-day period beginning on the issuance of the earnings release
or the announcement of the material news or material event.
However, Cerberus may effect a transfer of all of its warrants
to a single person or group of related persons, provided that
any transferee or transferees of Cerberus also agree, for the
duration of the lock-up period, that any further transfer shall
be made on the same terms, and provided further that neither
Cerberus nor its direct or indirect transferees may transfer any
DSW Common Shares underlying the warrants for the remainder of
the lock-up period.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In addition, persons purchasing more than 1,000&nbsp;shares
pursuant to the directed share program described below (except
for our officers and directors, as to whom the 180-day
restricted period applies) will be restricted from selling or
otherwise transferring or disposing of their Common Shares
purchased in this offering for a period of 25&nbsp;days from the
date of this prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Offering Price Determination</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to this offering, there has been no public market for our
Class&nbsp;A Common Shares. The initial public offering price
will be negotiated between the representatives and us. In
determining the initial public offering price of our
Class&nbsp;A Common Shares, the representatives will consider:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the history and prospects for the industry in which we compete,</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    our financial information,</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the ability of our management and our business potential and
    earning prospects,</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the prevailing securities markets at the time of this offering,
    and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    the recent market prices of, and the demand for, publicly traded
    shares of generally comparable companies.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Indemnification</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have agreed to indemnify the underwriters against certain
liabilities, including liabilities under the Securities Act of
1933 and liabilities incurred in connection with the directed
share program referred to below, and to contribute to payments
that the underwriters may be required to make for these
liabilities.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Directed Share Program</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
At our request, the underwriters have reserved for sale at the
initial public offering price up to 703,125&nbsp;shares offered
hereby for officers, directors, employees and certain other
persons associated with us and with Retail Ventures and SSC. The
number of shares available for sale to the general public will be
</DIV>

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<DIV align="left" style="font-size: 10pt;">
reduced to the extent such persons purchase such reserved
shares. Any reserved shares not so purchased will be offered by
the underwriters to the general public on the same basis as the
other shares offered hereby.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In connection with the directed share program, Lehman Brothers
Inc. may make an electronic version of this prospectus available
through a password-protected Internet site as described below.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Stabilization, Short Positions and Penalty Bids</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The representatives may engage in stabilizing transactions,
short sales and purchases to cover positions created by short
sales, and penalty bids or purchases for the purpose of pegging,
fixing or maintaining the price of our Common Shares, in
accordance with Regulation&nbsp;M under the Exchange Act:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    Stabilizing transactions permit bids to purchase the underlying
    security so long as the stabilizing bids do not exceed a
    specified maximum.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    A short position involves a sale by the underwriters of shares
    in excess of the number of shares the underwriters are obligated
    to purchase in this offering, which creates the syndicate short
    position. This short position may be either a covered short
    position or a naked short position. In a covered short position,
    the number of shares involved in the sales made by the
    underwriters in excess of the number of shares they are
    obligated to purchase is not greater than the number of shares
    that they may purchase by exercising their option to purchase
    additional shares. In a naked short position, the number of
    shares involved is greater than the number of shares in their
    option to purchase additional shares. The underwriters may close
    out any short position by either exercising their option to
    purchase additional shares and/or purchasing shares in the open
    market. In determining the source of shares to close out the
    short position, the underwriters will consider, among other
    things, the price of shares available for purchase in the open
    market as compared to the price at which they may purchase
    shares through their option to purchase additional shares. A
    naked short position is more likely to be created if the
    underwriters are concerned that there could be downward pressure
    on the price of the shares in the open market after pricing that
    could adversely affect investors who purchase in this offering.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    Syndicate covering transactions involve purchases of our Common
    Shares in the open market after the distribution has been
    completed in order to cover syndicate short positions.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    Penalty bids permit the representatives to reclaim a selling
    concession from a syndicate member when the Common Shares
    originally sold by the syndicate member are purchased in a
    stabilizing or syndicate covering transaction to cover syndicate
    short positions.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
These stabilizing transactions, syndicate covering transactions
and penalty bids may have the effect of raising or maintaining
the market price of our Common Shares or preventing or retarding
a decline in the market price of our Common Shares. As a result,
the price of the Common Shares may be higher than the price that
might otherwise exist in the open market. These transactions may
be effected on the NYSE or otherwise and, if commenced, may be
discontinued at any time.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Neither we nor any of the underwriters make any representation
or prediction as to the direction or magnitude of any effect
that the transactions described above may have on the price of
our Common Shares. In addition, neither we nor any of the
underwriters make representation that the representatives will
engage in these stabilizing transactions or that any
transaction, once commenced, will not be discontinued without
notice.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Electronic Distribution</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In addition to the electronic prospectus that Lehman Brothers
Inc. may make available to participants in the directed share
program described above, a prospectus in electronic format may
be made available on the Internet sites or through other online
services maintained by one or more of the selling group members
participating in this offering, or by their affiliates. In those
cases, prospective investors may view offering terms online and,
depending upon the particular selling group member, prospective
investors may be allowed to place orders online. The selling
group members may agree with us to allocate a specific number of
shares
</DIV>

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<DIV align="left" style="font-size: 10pt;">
for sale to online brokerage account holders. Any such
allocation for online distributions will be made by the
representatives on the same basis as other allocations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Other than the prospectus in electronic format, the information
on any selling group member&#146;s website and any information
contained in any other website maintained by a selling group
member is not part of the prospectus or the registration
statement of which this prospectus forms a part, has not been
approved and/or endorsed by us or any underwriter or selling
group member in its capacity as underwriter or selling group
member and should not be relied upon by investors.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Listing on New York Stock Exchange</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Our Class&nbsp;A Common Shares have been approved for listing on
the NYSE under the symbol &#147;DSW.&#148; In connection with
that listing, the underwriters will undertake to sell the
minimum number of Common Shares to the minimum number of
beneficial owners necessary to meet the NYSE listing
requirements.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Discretionary Sales</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The underwriters have informed us that they do not intend to
confirm sales to discretionary accounts that exceed 5% of the
total number of shares offered by them.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Stamp Taxes</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If you purchase shares of our Class&nbsp;A Common Shares offered
in this prospectus, you may be required to pay stamp taxes and
other charges under the laws and practices of the country of
purchase, in addition to this offering price listed on the cover
page of this prospectus.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Relationships</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The underwriters may in the future perform investment banking
and advisory services for us from time to time for which they
may in the future receive customary fees and expenses. The
underwriters may, from time to time, engage in transactions with
or perform services for us in the ordinary course of their
business. CIBC World Markets Corp., one of the underwriters for
this offering, has in the past, including during 2004, performed
advisory services for Retail Ventures, in exchange for customary
fees. In addition, Lehman Brothers Inc. expects to enter into an
engagement letter with Retail Ventures relating to financial
advisory services provided in connection with the restructuring
of Retail Ventures&#146; existing indebtedness. Lehman Brothers
Inc. will receive customary fees for these services, which will
be offset against the underwriting discounts and commissions it
receives in this offering.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">112

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<DIV align="left" style="font-size: 10pt;">
<A name='121'></A>
</DIV>

<!-- link1 "LEGAL MATTERS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>LEGAL MATTERS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW is represented by Skadden, Arps, Slate, Meagher&nbsp;&#38;
Flom LLP, New York, New York, Vorys, Sater, Seymour and Pease
LLP, Columbus, Ohio and Sonnenschein Nath&nbsp;&#38; Rosenthal
LLP, St. Louis, Missouri, and the underwriters are represented
by Debevoise&nbsp;&#38; Plimpton LLP, New York, New York. The
validity of the Class&nbsp;A Common Shares offered in this
offering will be passed upon for DSW by Vorys, Sater, Seymour
and Pease LLP, Columbus, Ohio. Skadden, Arps, Slate,
Meagher&nbsp;&#38; Flom LLP will render an opinion to DSW
regarding &#147;Material U.S.&nbsp;Federal Income and Estate Tax
Consequences.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt;">
<A name='122'></A>
</DIV>

<!-- link1 "EXPERTS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>EXPERTS</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The financial statements included in this prospectus as of
January&nbsp;29, 2005 and January&nbsp;31, 2004, and for each of
fiscal 2003 and fiscal 2004, and the related supplemental
schedule included elsewhere in the registration statement have
been audited by Deloitte &#38; Touche LLP, an independent
registered public accounting firm, as stated in their report
appearing herein and elsewhere in the registration statement
(which report expresses an unqualified opinion and includes an
explanatory paragraph that describes the Company&#146;s change
in its method of accounting for goodwill and other intangible
assets effective February&nbsp;3, 2002), and are included in
reliance upon the report of such firm given upon their authority
as experts in accounting and auditing.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt;">
<A name='123'></A>
</DIV>

<!-- link1 "WHERE YOU CAN FIND MORE INFORMATION" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>WHERE YOU CAN FIND MORE INFORMATION</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have filed with the SEC a registration statement on
Form&nbsp;S-1 under the Securities Act with respect to the
Class&nbsp;A Common Shares offered by this prospectus. This
prospectus, filed as part of the registration statement, does
not contain all the information set forth in the registration
statement and its exhibits and schedules, portions of which have
been omitted as permitted by the rules and regulations of the
SEC. For further information about us and our Class&nbsp;A
Common Shares, we refer you to the registration statement and to
its exhibits and schedules. With respect to statements in this
prospectus about the contents of any contract, agreement or
other document, in each instance, we refer you to the copy of
such contract, agreement or document filed as an exhibit to the
registration statement, and each such statement is qualified in
all respects by reference to the document to which it refers.
Anyone may inspect the registration statement and its exhibits
and schedules without charge at the public reference facilities
the SEC maintains at 450 Fifth Street, N.W.,
Washington,&nbsp;D.C. 20549. You may obtain copies of all or any
part of these materials from the SEC upon the payment of certain
fees prescribed by the SEC. You may obtain further information
about the operation of the SEC&#146;s Public Reference Room by
calling the SEC at 1-800-SEC-0330. These reports and other
information may also be inspected without charge at a website
maintained by the SEC at http://www.sec.gov. In addition, you
may obtain information about us at the offices of the NYSE,
20&nbsp;Broad Street, New York, New York 10005.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon completion of this offering, we will become subject to the
informational requirements of the Exchange Act and will be
required to file reports, proxy statements and other information
with the SEC. You will be able to inspect and copy these
reports, proxy statements and other information at the public
reference facilities maintained by the SEC at the address noted
above. You also will be able to obtain copies of this material
from the Public Reference Room of the SEC as described above, or
inspect them without charge at the SEC&#146;s website. We intend
to furnish our shareholders with annual reports containing
consolidated financial statements audited by an independent
accounting firm.
</DIV>

<P align="center" style="font-size: 10pt;">113
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<DIV align="left" style="font-size: 10pt;">
<A name='124'></A>
</DIV>

<!-- link1 "INDEX TO CONSOLIDATED FINANCIAL STATEMENTS" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>INDEX TO CONSOLIDATED FINANCIAL STATEMENTS</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="90%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Page</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>&nbsp;<A HREF='#301'>REPORT OF INDEPENDENT REGISTERED PUBLIC
    ACCOUNTING FIRM</A></B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-2</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>CONSOLIDATED FINANCIAL STATEMENTS</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#302'>Consolidated Balance Sheets as of
    January&nbsp;29, 2005 and January&nbsp;31, 2004</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-3</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#303'>Consolidated Statements of Income for the
    years ended January&nbsp;29, 2005, January&nbsp;31, 2004 and
    February&nbsp;1, 2003.</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-4</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#304'>Consolidated Statements of
    Shareholder&#146;s Equity for the years ended January&nbsp;29,
    2005, January&nbsp;31, 2004 and February&nbsp;1, 2003.</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-5</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#305'>Consolidated Statements of Cash Flows for
    the years ended January&nbsp;29, 2005, January&nbsp;31, 2004 and
    February&nbsp;1, 2003.</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-6</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#306'>Notes to Consolidated Financial
    Statements</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-7</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;<A HREF='#307'>Schedule&nbsp;II-Valuation and Qualifying
    Accounts</A></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-19</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (unaudited):</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Condensed Consolidated Balance Sheet as of April 30, 2005
    (unaudited)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-20</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Condensed Consolidated Statements of Income for the three months
    ended April 30, 2005 and May&nbsp;1, 2004 (unaudited)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-21</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Condensed Consolidated Statements of Shareholder&#146;s Equity
    for the three months ended April&nbsp;30, 2005 and May&nbsp;1,
    2004 (unaudited)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-22</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Condensed Consolidated Statements of Cash Flows for the three
    months ended April&nbsp;30, 2005 and May&nbsp;1, 2004 (unaudited)</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-23</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Notes to Condensed Consolidated Financial Statements</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>F-24</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">F-1
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<DIV align="left" style="font-size: 10pt;">
<A name='301'></A>
</DIV>

<!-- link1 "REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
Board of Directors and Shareholder
</DIV>

<DIV align="left" style="font-size: 10pt;">
DSW Inc.
</DIV>

<DIV align="left" style="font-size: 10pt;">
Columbus, Ohio
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We have audited the accompanying consolidated balance sheets of
DSW Inc. and subsidiary (the &#147;Company&#148;), a wholly
owned subsidiary of Retail Ventures, Inc., as of
January&nbsp;29, 2005 and January&nbsp;31, 2004 and the related
consolidated statements of income, shareholder&#146;s equity,
and cash flows for each of the three years in the period ended
January&nbsp;29, 2005, January&nbsp;31, 2004 and
February&nbsp;1, 2003. Our audits also included the supplemental
schedule. These consolidated financial statements and
supplemental schedule are the responsibility of the
Company&#146;s management. Our responsibility is to express an
opinion on the consolidated financial statements and the
supplemental schedule based on our audits.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
We conducted our audits in accordance with the standards of the
Public Company Accounting Oversight Board (United States). Those
standards require that we plan and perform the audit to obtain
reasonable assurance about whether the financial statements are
free of material misstatement. The Company is not required to
have, nor were we engaged to perform, an audit of its internal
control over financial reporting. Our audit included
consideration of internal control over financial reporting as a
basis for designing audit procedures that are appropriate in the
circumstances, but not for the purpose of expressing an opinion
on the effectiveness of the Company&#146;s internal control over
financial reporting. Accordingly, we express no such opinion. An
audit also includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial
statements, assessing the accounting principles used and
significant estimates made by management, as well as evaluating
the overall financial statement presentation. We believe that
our audits provide a reasonable basis for our opinion.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In our opinion, such consolidated financial statements present
fairly, in all material respects, the financial position of DSW
Inc. and subsidiary as of January&nbsp;29, 2005 and
January&nbsp;31, 2004 and the results of their operations and
their cash flows for each of the three years in the period ended
January&nbsp;29, 2005, January&nbsp;31, 2004 and
February&nbsp;1, 2003 in conformity with accounting principles
generally accepted in the United States of America. Also, in our
opinion, such supplemental schedule, when considered in relation
to the basic consolidated financial statements taken as a whole,
presents fairly in all material respects the information set
forth therein.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As discussed in the notes to the consolidated financial
statements, the Company adopted Statement of Financial
Accounting Standards No.&nbsp;142, <I>Goodwill and Other
Intangible Assets</I>, effective February&nbsp;3, 2002.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 24pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
/s/ Deloitte&nbsp;&#38; Touche LLP
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
May&nbsp;5, 2005
</DIV>

<DIV align="left" style="font-size: 10pt;">
Columbus, Ohio
</DIV>

<DIV align="left" style="font-size: 10pt;">
(May&nbsp;31, 2005 as to Notes 7 and 9)
</DIV>

<P align="center" style="font-size: 10pt;">F-2

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<A name='302'></A>
</DIV>

<!-- link1 "CONSOLIDATED BALANCE SHEETS" -->

<DIV align="center" style="font-size: 10pt;">
<B>CONSOLIDATED BALANCE SHEETS</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>JANUARY&nbsp;29, 2005 AND JANUARY&nbsp;31, 2004</B>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 3pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="57%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(In thousands,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>except share amounts)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="12" align="center" valign="top">
    <B>ASSETS</B></TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CURRENT ASSETS:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash and equivalents</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,339</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,076</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accounts receivable</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,291</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,264</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Inventories</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>208,015</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>150,019</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Prepaid expenses and other assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,940</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,847</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deferred income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20,261</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,202</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total current assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>247,846</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>177,408</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    ADVANCES TO AFFILIATES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>23,676</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,440</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    PROPERTY AND EQUIPMENT&nbsp;&#151; At cost:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Furniture, fixtures and equipment</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>81,605</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>58,729</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Leasehold improvements</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>70,936</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>60,255</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Capital leases&nbsp;&#151; furniture, fixtures and equipment</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,227</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total property and equipment&nbsp;&#151; at cost</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>152,541</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>120,211</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Less accumulated depreciation</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(62,485</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(46,068</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Property and equipment&nbsp;&#151; net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>90,056</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>74,143</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    GOODWILL</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25,899</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25,899</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    TRADENAMES AND OTHER INTANGIBLES&nbsp;&#151; Net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,079</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,943</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    DEFERRED INCOME TAXES AND OTHER ASSETS</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>881</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,351</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    TOTAL</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>395,437</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>291,184</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="12" align="center" valign="top">
    <B>LIABILITIES AND SHAREHOLDER&#146;S EQUITY</B></TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CURRENT LIABILITIES:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accounts payable</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>72,120</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>52,237</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued expenses:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Compensation</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,804</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,215</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>12,560</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,940</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Other</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>17,443</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,634</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Current maturities of long-term obligations</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>138</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total current liabilities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>108,927</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>74,164</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    LONG-TERM OBLIGATIONS&nbsp;&#151; Net of current maturities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>55,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>35,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    OTHER NONCURRENT LIABILITIES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>52,684</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>38,149</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    COMMITMENTS AND CONTINGENCIES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    SHAREHOLDER&#146;S EQUITY:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Common stock&nbsp;&#151; no par value:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Authorized&nbsp;&#151; 500 shares</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Outstanding&nbsp;&#151; 410.09 shares</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Paid in capital</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Retained earnings</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>77,384</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>42,429</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total shareholder&#146;s equity</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>178,826</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>143,871</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    TOTAL</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>395,437</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>291,184</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
See notes to consolidated financial statements.
</DIV>

<P align="center" style="font-size: 10pt;">F-3

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<A name='303'></A>
</DIV>

<!-- link1 "CONSOLIDATED STATEMENTS OF INCOME" -->

<DIV align="center" style="font-size: 10pt;">
<B>CONSOLIDATED STATEMENTS OF INCOME</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>YEARS ENDED JANUARY&nbsp;29, 2005, JANUARY&nbsp;31, 2004 AND
FEBRUARY&nbsp;1, 2003</B>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="57%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>February&nbsp;1,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2003</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    NET SALES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>961,089</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>791,348</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>644,345</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    COST OF SALES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(690,878</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(588,421</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(485,589</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    GROSS PROFIT</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>270,211</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>202,927</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>158,756</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    OPERATING EXPENSES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(214,102</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(174,874</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(140,975</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    OPERATING PROFIT</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>56,109</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>28,053</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>17,781</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    INTEREST EXPENSE&nbsp;&#151; NET</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,734</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,739</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,874</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    EARNINGS BEFORE INCOME TAXES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>53,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25,314</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>13,907</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    INCOME TAX PROVISION</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(18,420</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(10,507</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,847</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    NET INCOME</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>34,955</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>14,807</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,060</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
See notes to consolidated financial statements.
</DIV>

<P align="center" style="font-size: 10pt;">F-4

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<A name='304'></A>
</DIV>

<!-- link1 "CONSOLIDATED STATEMENTS OF SHAREHOLDER&#146;S EQUITY" -->

<DIV align="center" style="font-size: 10pt;">
<B>CONSOLIDATED STATEMENTS OF SHAREHOLDER&#146;S EQUITY</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>YEARS ENDED JANUARY&nbsp;29, 2005, JANUARY&nbsp;31, 2004 AND
FEBRUARY&nbsp;1, 2003</B>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="54%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Number of</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Common</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Paid in</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Retained</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Shares</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Capital</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Earnings</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Total</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap><B>(In thousands, except share amounts)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    BALANCE&nbsp;&#151; February&nbsp;2, 2002</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>410.09</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>19,562</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>121,004</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,060</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,060</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    BALANCE&nbsp;&#151; February&nbsp;1, 2003</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>410.09</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>27,622</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>129,064</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14,807</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14,807</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    BALANCE&nbsp;&#151; January&nbsp;31, 2004</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>410.09</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>42,429</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>143,871</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>34,955</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>34,955</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    BALANCE&nbsp;&#151; January&nbsp;29, 2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>410.09</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>77,384</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>178,826</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
See notes to consolidated financial statements.
</DIV>

<P align="center" style="font-size: 10pt;">F-5

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<A name='305'></A>
</DIV>

<!-- link1 "CONSOLIDATED STATEMENTS OF CASH FLOWS" -->

<DIV align="center" style="font-size: 10pt;">
<B>CONSOLIDATED STATEMENTS OF CASH FLOWS</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>YEARS ENDED JANUARY&nbsp;29, 2005, JANUARY&nbsp;31, 2004 AND
FEBRUARY&nbsp;1, 2003</B>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="48%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>February&nbsp;1,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2003</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CASH FLOWS FROM OPERATING ACTIVITIES:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>34,955</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>14,807</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,060</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Adjustments to reconcile net income to net cash provided by
    (used in) operating activities:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Depreciation and amortization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>18,275</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15,478</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>12,986</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Amortization of debt issuance costs</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>469</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>479</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>529</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deferred income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(7,813</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>26</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,715</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Loss on fixed assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>968</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>585</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>40</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Change in working capital, assets and liabilities:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accounts receivable</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(27</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,965</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,227</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Inventories</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(57,996</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(8,907</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(24,475</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Prepaid expenses and other assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(338</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(641</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>41</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Advances to/from affiliates</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(22,236</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20,574</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(33,020</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accounts payable</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>19,883</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(8,995</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,732</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Proceeds from lease incentives</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11,509</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,394</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,159</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Other noncurrent liabilities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,026</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>386</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>176</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15,019</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,973</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>876</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net cash provided by (used in) operating activities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15,694</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>45,124</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(30,838</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CASH FLOWS FROM INVESTING ACTIVITIES:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Capital expenditures</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(34,293</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(22,324</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(23,140</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash used in investing activities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(34,293</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(22,324</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(23,140</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CASH FLOWS FROM FINANCING ACTIVITIES:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Payments of capital lease obligations</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(138</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(205</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(169</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net increase (decrease) in revolving credit facility</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(19,000</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>54,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Debt issuance costs</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1,437</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net cash provided by (used in) financing activities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>19,862</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(19,205</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>52,394</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    NET INCREASE (DECREASE) IN CASH AND EQUIVALENTS</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,263</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,595</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1,584</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CASH AND EQUIVALENTS&nbsp;&#151; Beginning of year</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,076</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,481</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5,065</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CASH AND EQUIVALENTS&nbsp;&#151; End of year</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,339</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,076</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>3,481</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="4" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    SUPPLEMENTAL DISCLOSURES:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash paid for interest</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>2,138</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>2,121</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>3,280</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash paid for income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>3,998</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>898</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>2,552</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="4">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
See notes to consolidated financial statements.
</DIV>

<P align="center" style="font-size: 10pt;">F-6

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
<A name='306'></A>
</DIV>

<!-- link1 "DSW INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS YEARS ENDED JANUARY 29, 2005, JANUARY 31, 2004 AND FEBRUARY 1, 2003" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</B>
</DIV>

<DIV align="center" style="font-size: 10pt;">
<B>YEARS ENDED JANUARY&nbsp;29, 2005, JANUARY&nbsp;31, 2004 AND
FEBRUARY&nbsp;1, 2003</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SIGNIFICANT ACCOUNTING
POLICIES</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Business Operations</I>&nbsp;&#151; DSW Inc. and its wholly
owned subsidiary are herein referred to collectively as the
&#147;Company&#148;. At January&nbsp;29, 2005, the
Company&#146;s common stock was wholly owned by Retail Ventures,
Inc. (&#147;RVI&#148;). RVI is listed on the New York Stock
Exchange trading under the ticker symbol &#147;RVI.&#148; Prior
to a reorganization within RVI in December 2004, the
Company&#146;s common stock was wholly owned by Value City
Department Stores, Inc. (&#147;VCDS&#148;) which in turn was a
wholly owned subsidiary of RVI. The Company operates a single
segment, which includes DSW stores and leased shoe departments,
and sells better-branded footwear and accessories. As of
January&nbsp;29, 2005, there were a total of 172 stores located
throughout the United States of America. The Company also
supplies footwear, under supply arrangements, to 22
Filene&#146;s Basement stores and 202 locations for other
non-related retailers in the United States of America.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Fiscal Year</I>&nbsp;&#151; The Company&#146;s fiscal year
ends on the Saturday nearest January&nbsp;31. Fiscal years 2004,
2003 and 2002 consist of 52&nbsp;weeks. Unless otherwise stated,
references to years in this report relate to fiscal years rather
than calendar years.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Use of Estimates</I>&nbsp;&#151; The preparation of financial
statements in conformity with accounting principles generally
accepted in the United States of America requires management to
make estimates and assumptions that affect the reported amounts
of assets and liabilities and disclosure of contingent assets
and liabilities at the date of the financial statements and
reported amounts of revenues and expenses during the reporting
period. Significant estimates are required as a part of
inventory valuation, depreciation, amortization, recoverability
of long-lived assets and establishing reserves for insurance.
Although these estimates are based on management&#146;s
knowledge of current events and actions it may undertake in the
future, actual results could differ from these estimates.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Financial Instruments</I>&nbsp;&#151; The following methods
and assumptions were used to estimate the fair value of each
class of financial instruments:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <I>Cash and Equivalents</I>&nbsp;&#151; Cash and equivalents
    represent cash, highly liquid investments with original
    maturities of three months or less at the date of purchase and
    credit card receivables, which generally settle within three
    days to be cash equivalents.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <I>Accounts Receivable</I>&nbsp;&#151; Accounts receivables are
    classified as current assets because the average collection
    period is generally less than one year. The carrying amount
    approximates fair value because of the relatively short average
    maturity of the instruments and no significant change in
    interest rates.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <I>Long-Term Debt</I>&nbsp;&#151; The carrying amount
    approximates fair value as a result of the variable rate-based
    borrowings.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Concentration of Credit Risk</I>&nbsp;&#151; Financial
instruments, which principally subject the Company to
concentration of credit risk, consist of cash and cash
equivalents. The Company invests excess cash when available
through financial institutions in over night investments. At
times, such amounts may be in excess of FDIC insurance limits.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Concentration of Vendor Risk</I>&nbsp;&#151; During fiscal
2004, taking into account industry consolidation, merchandise
supplied to the Company by three key vendors accounted for
approximately 19% of net sales.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Inventories</I>&nbsp;&#151; Merchandise inventories are
stated at the lower of cost, determined using the first-in,
first-out basis, or market, using the retail inventory method.
The retail method is widely used in the retail industry due to
its practicality. Under the retail inventory method, the
valuation of inventories at cost and the resulting gross profits
are calculated by applying a calculated cost to retail ratio to
the retail value of inventories. The cost of the inventory
reflected on the balance sheet is decreased by charges to cost
of sales at the time the retail value of the inventory is
lowered through the use of markdowns. Hence, earnings are
negatively
</DIV>

<P align="center" style="font-size: 10pt;">F-7

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
impacted as the merchandise is marked down prior to sale.
Reserves to value inventory at the lower of cost or market were
$14.2&nbsp;million and $11.5&nbsp;million at the end of fiscal
years 2004 and 2003, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Inherent in the calculation of inventories are certain
significant management judgments and estimates, including
setting the original merchandise retail value or mark-on,
markups of initial prices established, reductions in prices due
to customers&#146; perception of value (known as markdowns), and
estimates of losses between physical inventory counts, or
shrinkage, which combined with the averaging process within the
retail method, can significantly impact the ending inventory
valuation at cost and the resulting gross profit.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Vendor Allowances</I>&nbsp;&#151; Vendor allowances include
allowances, rebates and cooperative advertising funds received
from vendors. The amount of these funds is determined for each
fiscal year and the majority is based on various quantitative
contract terms. Amounts expected to be received from vendors
relating to the purchase of merchandise inventories are
recognized as a reduction of cost of goods sold as the
merchandise is sold. Amounts that represent a reimbursement of
costs incurred, such as advertising, are recorded as a reduction
to the related expense in the period that the related expense is
incurred. On an annual basis, the Company confirms earned
allowances with vendors to determine the amounts are recorded in
accordance with the terms of the contract. At January&nbsp;29,
2005 and January&nbsp;31, 2004, the Company had a vendor
allowance balance of less than $100,000.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Property and Equipment</I>&nbsp;&#151; Property and equipment
is stated at cost less accumulated depreciation determined by
the straight-line method over the expected useful lives of the
assets. Assets held under capital leases and related obligations
are recorded initially at the lower of fair market value or the
present value of the minimum lease payments. The straight-line
method is used to amortize such capitalized costs over the
lesser of the expected useful life of the asset or the life of
the lease. Leasehold improvements are amortized under the
straight-line method over the lesser of the initial lease term
or the expected useful life (10&nbsp;years). The estimated
useful lives of furniture, fixtures and equipment are 3 to
10&nbsp;years.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Asset Impairment and Long-Lived Assets</I>&nbsp;&#151; The
Company must periodically evaluate the carrying amount of its
long-lived assets, primarily property and equipment, and finite
life intangible assets when events and circumstances warrant
such a review to ascertain if any assets have been impaired. The
carrying amount of a long-lived asset is considered impaired
when the carrying value of the asset exceeds the expected future
cash flows (undiscounted and without interest) from the asset.
The Company reviews are conducted down at the lowest
identifiable level, which include a store. The impairment loss
recognized is the excess of the carrying value, based on
discounted future cash flows, of the asset over its fair value.
Should an impairment loss be realized, it will be included in
operating expenses. Based on recent analysis, the Company
expensed $0.9&nbsp;million in fiscal 2004 of identified store
assets where the recorded value could not be supported by cash
flows. The amount of impairment losses recorded during fiscal
years 2003 and 2002 were immaterial to the financial statements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Goodwill</I>&nbsp;&#151; Goodwill represents the excess cost
over the estimated fair values of net assets including
identifiable intangible assets of businesses acquired. Goodwill
is tested for impairment at least annually. The Company, as a
result of adoption of Statement of Financial Accounting
Standards (&#147;SFAS&#148;) No.&nbsp;142, <I>Goodwill and Other
Intangible Assets,</I> no longer records goodwill amortization.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Tradenames and Other Intangible Assets</I>&nbsp;&#151;
Tradenames and other intangible assets are comprised of values
assigned to names the Company acquired and leases acquired. The
accumulated amortization for these
</DIV>

<P align="center" style="font-size: 10pt;">F-8

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
assets is $5.8&nbsp;million and $4.9&nbsp;million at
January&nbsp;29, 2005 and January&nbsp;31, 2004, respectively.
The asset value and accumulated amortization of intangible
assets is as follows:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="63%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Tradenames:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>12,750</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>12,750</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accumulated amortization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,738</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,887</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Subtotal</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,012</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,863</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Useful life</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Favorable leases:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Gross</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>140</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>140</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accumulated amortization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(73</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(60</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Subtotal</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>67</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>80</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Useful life</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Tradenames and other intangible assets&nbsp;&#151; net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,079</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,943</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Aggregate amortization expense for the current and each of the
five succeeding years is as follows:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="78%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="left" nowrap><B>Fiscal Year</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center" nowrap><B>(In thousands)</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2004</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>864</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>864</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2006</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>861</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2007</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>854</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2008</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>854</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2009</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>854</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Income Taxes</I>&nbsp;&#151; Income taxes are accounted for
using the asset and liability method. Under this method,
deferred income taxes arise from temporary differences between
the tax basis of assets and liabilities and their reported
amounts in the financial statements. A valuation allowance is
established against deferred tax assets when it is more likely
than not that some portion or all of the deferred tax assets
will not be realized. As of January&nbsp;29, 2005, the Company
did not have any income tax valuation allowances.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Deferred Rent</I>&nbsp;&#151; Many of the Company&#146;s
operating leases contain predetermined fixed increases of the
minimum rental rate during the initial lease term. For these
leases the Company recognizes the related rental expense on a
straight-line basis and records the difference between the
amount charged to expense and the rent paid as a deferred rent
and begins amortizing such deferred rent upon the delivery of
the lease location by the lessor. The amounts included in other
noncurrent liabilities caption were $16.7&nbsp;million and
$11.7&nbsp;million, at January&nbsp;29, 2005 and
January&nbsp;31, 2004, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Tenant Allowances</I>&nbsp;&#151; The Company receives cash
allowances from landlords, which are deferred and amortized on a
straight-line basis over the life of the lease as a reduction of
rent expense. These allowances are included in the caption other
noncurrent liabilities and were $35.0&nbsp;million and
$26.5&nbsp;million, at January&nbsp;29, 2005 and
January&nbsp;31, 2004, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Sales and Revenue Recognition</I>&nbsp;&#151; Sales of
merchandise are net of returns and exclude sales tax. Revenues
from our retail operations are recognized at the latter of point
of sale or delivery of goods to the customer. Revenue from gift
cards is deferred and the revenue is recognized upon redemption
of the gift card.
</DIV>

<P align="center" style="font-size: 10pt;">F-9

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<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company supplies footwear, under supply arrangements, to
22&nbsp;Filene&#146;s Basement stores and 202&nbsp;locations for
other non-related retailers in the United States of America.
Sales for these leased supply locations are net of returns and
sales tax, as tracked by the lessor, and are included in net
sales and represent 9.4%, 8.9% and 3.5% of total net sales for
fiscal 2004, 2003, and 2002, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Cost of Sales</I>&nbsp;&#151; Cost of sales includes the cost
of merchandise, distribution and warehousing (including
depreciation), store occupancy (excluding depreciation),
permanent and point of sale reductions, markdowns and shrinkage
provision.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Warehousing costs are comprised of labor, benefits and other
labor-related costs associated with the operations of the
warehouse, which are primarily payroll-related taxes and
benefits. The non-labor costs associated with warehousing
include rent, depreciation, insurance, utilities and maintenance
and other operating costs that are passed to the Company from
the landlord. Distribution costs include the transportation of
merchandise to the warehouse and from the warehouse to the
stores. Store occupancy costs include rent, utilities, repairs,
maintenance and janitorial costs and other costs associated with
licenses and occupancy-related taxes, which are primarily real
estate taxes passed to the Company by the landlords.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Operating Expenses</I>&nbsp;&#151; Operating expenses include
expenses related to store selling, store management and store
payroll costs, advertising, leased shoe department operations,
store depreciation and amortization, pre-opening advertising and
other pre-opening costs (which are expensed as incurred),
corporate expenses for buying services, information services,
depreciation expense for corporate cost centers, marketing,
insurance, legal, finance, outside professional services,
allocable costs from our parent and other corporate related
departments, and benefits for associates and related payroll
taxes. Corporate level expenses are primarily attributable to
operations at our corporate offices in Columbus, Ohio.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Customer Loyalty Program</I>&nbsp;&#151; The Company
maintains a customer loyalty program for its DSW operations in
which customers receive a future discount on qualifying
purchases in exchange for marketing information. The
&#147;Reward Your Style&#148; (&#147;RYS&#148;) is designed to
promote customer awareness and loyalty plus to provide the
Company with the ability to communicate with its customers. Upon
reaching the target level, customers may redeem these discounts
on a future purchase. Generally these future discounts must be
redeemed within six months. The Company accrues the estimated
costs of the anticipated redemptions of the discount earned at
the time of the initial purchase and charges such costs to
operating expenses based on historical experience. The estimates
of the costs associated with the loyalty program require the
Company to make assumptions related to customer purchase levels
and redemption rates. The accrued liability as of
January&nbsp;29, 2005 and January&nbsp;31, 2004 is
$4.5&nbsp;million and $3.0&nbsp;million, respectively. The
Company utilizes this customer database for direct mail and
marketing efforts.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Pre-Opening Costs</I>&nbsp;&#151; Pre-opening costs
associated with opening or remodeling of stores are expensed as
incurred. Pre-opening costs expensed were $10.8&nbsp;million,
$5.1&nbsp;million and $2.9&nbsp;million for fiscal 2004, 2003,
and 2002, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Advertising Expense</I>&nbsp;&#151; The cost of advertising
is expensed as incurred or when the advertising first takes
place. Advertising costs were $39.3&nbsp;million,
$36.4&nbsp;million and $29.8&nbsp;million in fiscal 2004, 2003,
and 2002, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Earnings Per Share (&#147;EPS&#148;)</I>&nbsp;&#151; The
Company was a wholly owned subsidiary of RVI at January&nbsp;29,
2005, and is not required to report EPS.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Recent Accounting Pronouncements</I>&nbsp;&#151; The
Financial Accounting Standards Board (&#147;FASB&#148;)
periodically issues SFAS, some of which require implementation
by a date falling within or after the close of the fiscal year.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In January 2003, the FASB issued Financial Interpretation
No.&nbsp;46, <I>Consolidation of Variable Interest Entities</I>
(&#147;FIN 46&#148;), which requires the consolidation of
certain entities considered to be variable interest
</DIV>

<P align="center" style="font-size: 10pt;">F-10

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<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
entities (&#147;VIEs&#148;). An entity is considered to be a VIE
when it has equity investors who lack the characteristics of
having a controlling financial interest, or its capital is
insufficient to permit it to finance its activities without
additional subordinated financial support. Consolidation of a
VIE by an investor is required when it is determined that the
investor will absorb a majority of the VIE&#146;s expected
losses or residual returns if they occur. FIN 46 provides
certain exceptions to these rules, relating to qualifying
special purpose entities (&#147;QSPEs&#148;) subject to the
requirements of SFAS No.&nbsp;140. Upon its original issuance,
FIN 46 required that VIEs created after January&nbsp;31, 2003
would be consolidated immediately, while VIEs created prior to
February&nbsp;1, 2003 were to be consolidated as of July&nbsp;1,
2003.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In October 2003, the FASB deferred the effective date for
consolidation of VIEs created prior to February&nbsp;1, 2003 to
December&nbsp;31, 2003 for calendar year-end companies, with
earlier application encouraged.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In December 2003, the FASB published a revision to FIN&nbsp;46
(&#147;FIN&nbsp;46R&#148;) to clarify some of the provisions of
the original interpretation and to exempt certain entities from
its requirements. FIN&nbsp;46R provides special effective date
provisions to enterprises that fully or partially applied to
FIN&nbsp;46 prior to the issuance of the revised interpretation.
In particular, entities that have already adopted FIN&nbsp;46
are not required to adopt FIN&nbsp;46R until the quarterly
reporting period ended May&nbsp;1, 2004. Adoption of the
required sections of FIN&nbsp;46, as modified and interpreted,
including the provisions of FIN&nbsp;46R, did not have any
effect on the Company&#146;s financial statements or disclosures.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In May 2003, the FASB issued SFAS No.&nbsp;150, <I>Accounting
for Certain Financial Instruments with Characteristics of both
Liabilities and Equity</I>. SFAS No.&nbsp;150 requires that an
issuer classify a financial instrument that is within its scope
as a liability (or an asset in some circumstances), many of
which were previously classified as equity. This statement is
effective for financial instruments entered into or modified
after May&nbsp;31, 2003 and for pre-existing instruments as of
the beginning of the first interim period beginning after
June&nbsp;15, 2003. Initial adoption of this accounting
pronouncement did not have a material impact on the
Company&#146;s financial statements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The FASB&#146;s Emerging Issues Task Force (&#147;EITF&#148;)
Issue No.&nbsp;02-16, <I>Accounting By A Customer (Including A
Reseller) For Cash Consideration Received From A Vendor,</I>
addressed the accounting treatment for vendor allowances. The
adoption of EITF Issue No.&nbsp;02-16 in 2003 did not have a
material impact on the Company&#146;s financial position or
results of operations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In December 2004, the FASB issued SFAS No.&nbsp;123 (revised
2004) (&#147;SFAS No.&nbsp;123R&#148;), <I>Share-Based
Payment</I>. This statement revised SFAS No.&nbsp;123,
Accounting for Stock-Based Compensation, and requires companies
to expense the value of employee stock options and similar
awards. The effective date of this standard is interim and
annual periods beginning after June&nbsp;15, 2005. No stock
options or similar awards have been granted by the Company as of
fiscal years 2004 and 2003. Therefore SFAS No.&nbsp;123R has no
impact on the Company. However any future stock options and
similar awards would need to be valued and expensed in
accordance with SFAS No.&nbsp;123R.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In April 2005, the SEC delayed the compliance date for SFAS 123R
until the beginning of the Company&#146;s fiscal year 2006.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;RELATED PARTY TRANSACTIONS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company purchases merchandise from VCDS and affiliates of
Schottenstein Stores Corporation (&#147;SSC&#148;), direct owner
of approximately 57.3% of RVI&#146;s common shares. Purchases of
merchandise from affiliates were immaterial in fiscal 2004 and
fiscal 2003 and was $1.5&nbsp;million in fiscal 2002.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company also leases certain store and warehouse locations
owned by SSC as described in Note&nbsp;3.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Accounts receivable from and payable to affiliates principally
result from commercial transactions with entities owned or
controlled by SSC or intercompany transactions with SSC.
Settlement of affiliate receivables
</DIV>

<P align="center" style="font-size: 10pt;">F-11

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<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
and payables are in the form of cash. These transactions settle
normally in 30 to 60&nbsp;days. Amounts receivable or payable to
SSC or its affiliates at January&nbsp;29, 2005 and
January&nbsp;31, 2004 were immaterial.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company shares certain personnel, administrative and service
costs with SSC and its affiliates. The costs of providing these
services are allocated among the Company, SSC and its affiliates
without a premium. The allocated amounts are not significant.
SSC does not charge the Company for general corporate management
services. In the opinion of the Company and SSC management, the
aforementioned charges are reasonable.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company was self-insured through its participation in
SSC&#146;s self-insurance program for general liability,
casualty loss and certain state workers&#146; compensation
programs, which participation ended in fiscal 2003. While the
Company no longer participates in the program, it continues to
remain responsible for liabilities it incurred under the
program. The Company expensed an immaterial amount in fiscal
2004 and $0.2&nbsp;million and $3.0&nbsp;million in fiscal years
2003 and 2002, respectively, for such program. Estimates for
self-insured programs are determined by independent actuaries
based on actuarial assumptions, which incorporate historical
incurred claims and incurred but not reported (&#147;IBNR&#148;)
claims.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the ordinary course of business, the Company has received
various services provided by RVI or its subsidiaries, including
import administration, risk management, human resources,
information technology, tax, financial services and payroll, as
well as other corporate services. RVI has also provided the
Company with the services of a number of its executives and
employees. The financial statements include allocations by RVI
of its costs related to these services. These costs allocations
have been determined on a basis that the Company and RVI
consider to be reasonable reflections of the use of services
provided or the benefit received to the Company. These
allocations totaled $29.5&nbsp;million and $24.4&nbsp;million in
fiscal 2004 and fiscal 2003, respectively and were immaterial in
fiscal 2002. In addition, the Company has entered into
agreements with various subsidiaries of RVI to supply all of
their shoe inventories. The net balance of these transactions is
reflected within the balance sheets as advances to affiliates.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
See Notes&nbsp;3, 4, 5, 6, 7 and 9 for additional related party
disclosures.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;LEASES</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company leases stores and warehouses under various
arrangements with related and unrelated parties. Such leases
expire through 2019 and in most cases provide for renewal
options. Generally, the Company is required to pay real estate
taxes, maintenance, insurance and contingent rentals based on
sales in excess of specified levels.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of January&nbsp;29, 2005, the Company leased or had other
agreements with 15 store locations owned by SSC or affiliates of
SSC, and one warehouse facility for an annual minimum rent of
$8.3&nbsp;million and additional contingent rents based on
aggregate sales in excess of specified sales for the store
locations. Under supply agreements to Filene&#146;s Basement
stores and other non-related retailers, the Company pays
contingent rents based on sales.
</DIV>

<P align="center" style="font-size: 10pt;">F-12

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<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Future minimum lease payments required under the aforementioned
leases, exclusive of real estate taxes, insurance and
maintenance costs, at January&nbsp;29, 2005 are as follows:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="61%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>Operating Leases</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Unrelated</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Related</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2" align="left" nowrap><B>Fiscal Year</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Total</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Party</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Party</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>81,496</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>73,674</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,822</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2006</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>84,349</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>75,951</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,398</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2007</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>82,835</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>74,199</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,636</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2008</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>81,088</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>72,215</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,873</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2009</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>79,082</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>70,280</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,802</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Future years</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>377,761</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>316,593</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>61,168</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total minimum lease payments</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>786,611</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>682,912</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>103,699</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The composition of rental expense is as follows:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="52%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>February&nbsp;1,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2003</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Minimum rentals:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Unrelated parties</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>63,172</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>52,326</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>47,411</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Related parties</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,152</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,011</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,224</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Contingent rentals:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Unrelated parties</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>13,692</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>10,785</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>434</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Related parties</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,931</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5,796</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,896</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>89,947</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>74,918</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>56,965</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Assets acquired under capital leases are included in the balance
sheets as property, while the related obligations are included
in long-term obligations. At January&nbsp;29, 2005, the Company
had no capital leases.
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(In</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Assets held under capital leases:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Equipment</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>1,227</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accumulated depreciation and amortization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1,128</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net book value</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>99</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<P align="center" style="font-size: 10pt;">F-13

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;LONG-TERM OBLIGATIONS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Long-term obligations consist of the following:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="66%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Revolving credit facility</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>55,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>35,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Capital lease obligations</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>138</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>55,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>35,138</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Less current maturities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(138</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>55,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>35,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Letters of credit outstanding</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>14,854</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>11,370</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Availability under revolving credit facility</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>108,544</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>119,995</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
At January&nbsp;29, 2005, the Company&#146;s direct parent, RVI
and its subsidiaries, had an aggregate $525.0&nbsp;million of
financing that consisted of three separate credit facilities
(collectively, the &#147;Credit Facilities&#148;): (i)&nbsp;a
$350.0&nbsp;million revolving credit facility (the
&#147;Revolving Loan&#148;), (ii)&nbsp;two $50.0&nbsp;million
term loan facilities provided equally by Cerberus Partners, L.P.
and SSC (the &#147;Term Loans&#148;), and (iii)&nbsp;an amended
and restated $75.0&nbsp;million senior subordinated convertible
term loan facility, initially entered into by RVI and its
subsidiaries on March&nbsp;15, 2000, which is held equally by
Cerberus Partners, L.P. and SSC (the &#147;Convertible
Loan&#148;). The Company is a co-borrower under the Revolving
Loan and the Term Loans, and is a guarantor under the
Convertible Loan. The Company, the other co-borrowers and the
guarantors are jointly and severally liable under the Revolving
Loan and the Term Loans. All of the Credit Facilities are
guaranteed by RVI.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company has reflected in the financial statements its direct
obligations under the Revolving Loan as it relates to the
borrowings thereunder secured by its assets. The Term Loans and
Convertible Loan are not reflected on the Company&#146;s
financial statements as they are recorded on consolidated
financial statements of RVI. These Credit Facilities are also
subject to an Intercreditor Agreement which provides for an
established order of payment of obligations from the proceeds of
collateral upon default (the &#147;Intercreditor
Agreement&#148;).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
When the Credit Facilities closed in June 2002, the Company and
other co-borrowers executed leasehold mortgages, which secured
obligations under all three Credit Facilities. Pursuant to the
Intercreditor Agreement, these leasehold mortgages served first
as primary collateral for the Term Loans and then as subordinate
collateral for the Revolving Loan and Convertible Loan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>$350&nbsp;Million Revolving Credit Facility</I>&nbsp;&#151;
Under the Revolving Loan, the borrowing base formula applicable
to the Company is based on the value of the Company&#146;s
inventory and accounts receivable. Primary security for the
Revolving Loan is provided in part by a first priority lien on
all of the inventory and accounts receivable of the Company and
other borrowers thereunder, as well as certain notes and payment
intangibles. Subject to the Intercreditor Agreement, the
Revolving Loan also has the substantial equivalent of a second
priority-perfected security interest in all of the first
priority collateral securing the Term Loans. Interest on
borrowings under the Revolving Loan is calculated at the
bank&#146;s base rate plus 0% to 0.5%, or at the London
Interbank Offered Rate (&#147;LIBOR&#148;) plus 2.00% to 2.75%,
depending upon the level of average excess availability that the
Company and the other borrowers maintain. The interest rate on
borrowings under the Revolving Loan was 4.7% and 3.2% at
January&nbsp;29, 2005 and January&nbsp;31, 2004, respectively.
During fiscal 2004, the Company extended the maturity date of
the Revolving Loan by one year. As a result, the maturity date
of the Revolving Loan, which originally matured on June&nbsp;11,
2005, was
</DIV>

<P align="center" style="font-size: 10pt;">F-14

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
extended to June&nbsp;11, 2006, under substantially the same
terms and conditions. See Note&nbsp;9 for additional disclosure.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
At January&nbsp;29, 2005, the outstanding borrowings for the
Company and RVI and their affiliates under the Credit Facilities
were: Revolving Loan, $140.0&nbsp;million; Term Loans,
$100.0&nbsp;million; and Convertible Loan, $75.0&nbsp;million.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company is not subject to any financial covenants; however,
the Credit Facilities contain numerous restrictive covenants
relating to the management and operation of RVI and its
subsidiaries, including the Company. These non-financial
covenants include, among other restrictions, limitations on
indebtedness, guarantees, mergers, acquisitions, fundamental
corporate changes, financial reporting requirements, budget
approval, disposition of assets, investments, loans and
advances, liens, dividends, stock purchases, transactions with
affiliates, issuance of securities and the payments of and
modifications to debt instruments under these arrangements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The weighted average interest rate on borrowings under the
Company&#146;s Credit Facilities during fiscal years 2004, 2003
and 2002 were 3.6%, 3.3% and 4.0%, respectively. However the
Company was allocated interest expense from RVI up through June
2002. Interest expense allocated was $2.0&nbsp;million in fiscal
2002. The total interest expense was $2.7&nbsp;million,
$2.7&nbsp;million and $3.9&nbsp;million and included fees, such
as commitment and line of credit fees, of $0.5&nbsp;million,
$0.6&nbsp;million and $1.8&nbsp;million for fiscal 2004, 2003
and 2002, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On June&nbsp;11, 2002, VCDS refinanced its previous financing
arrangement. The Company recorded $0.2&nbsp;million loss in
extinguishment of debt resulting from the write-off of deferred
financing costs, as their allocated portion. This write-off was
included in interest expense, net in fiscal 2002.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INCOME TAX PROVISION</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The provision for income taxes consists of the following:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="52%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>February&nbsp;1,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2003</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Current:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Federal</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>21,438</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,711</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,019</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    State and local</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,803</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,770</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,543</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2"><FONT style="font-size: 10pt">&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>26,241</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>10,481</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,562</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deferred:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Federal</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(6,843</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(27</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,274</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    State and local</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(978</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>53</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1,441</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2"><FONT style="font-size: 10pt">&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(7,821</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>26</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,715</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Income tax expense</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>18,420</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>10,507</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>5,847</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<P align="center" style="font-size: 10pt;">F-15

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
A reconciliation of the expected income taxes based upon the
statutory rate is as follows:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="55%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>February&nbsp;1,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2003</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="10" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Income tax expense at federal statutory rate</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>18,681</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>8,860</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>4,868</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    State and local taxes&nbsp;&#151; net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,538</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,188</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>651</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Non-deductible amortization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>298</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>298</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    WOTC&nbsp;&#151; net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(119</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(131</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(108</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Officer compensation</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>169</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Meals and entertainment</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>201</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>123</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>138</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Currently deductible expenses and other</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,881</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>18,420</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>10,507</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>5,847</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The components of the net deferred tax asset are as follows:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="63%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deferred tax assets:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Basis differences in inventory</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>5,418</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>3,513</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Basis differences in property and equipment</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>859</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Tenant allowance</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,406</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    State and local tax NOLs</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5,043</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5,018</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Alternative Minimum Tax credit carryforward</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,634</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,634</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Amortization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>622</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued rent</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,042</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,995</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Workers compensation</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,443</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,708</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued bonus</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>726</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Other</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,640</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,041</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2"><FONT style="font-size: 10pt">&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>30,193</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>18,549</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deferred tax liabilities:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Amortization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,785</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Prepaid expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,569</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued bonus</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1,336</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Capital leases</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(1,672</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Basis differences in property and equipment</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(526</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(773</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    State and local taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,192</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,080</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2"><FONT style="font-size: 10pt">&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(9,882</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(6,051</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total&nbsp;&#151; net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>20,311</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>12,498</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<P align="center" style="font-size: 10pt;">F-16

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The net deferred tax asset is recorded in the Company&#146;s
balance sheet as follows:
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="66%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;29,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>January&nbsp;31,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Current deferred tax asset</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>20,261</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>9,202</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Non-current deferred tax asset</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>50</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,296</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total&nbsp;&#151; net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>20,311</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>12,498</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The state and city net operating loss (&#147;NOLs&#148;) carry
forward is approximately $66.1&nbsp;million and is available to
reduce state and city taxable income. The NOLs expire as
follows:&nbsp;2005&nbsp;&#151; $1.7&nbsp;million, 2006 to
2009&nbsp;&#151; $14.6&nbsp;million, 2010 to 2019&nbsp;&#151;
$4.0&nbsp;million and 2020 to 2023&nbsp;&#151;
$45.8&nbsp;million.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company joins in the filing of a consolidated federal income
tax return with RVI and its other subsidiaries. The allocation
of the RVI current consolidated federal income tax to its
subsidiaries is in accordance with SFAS No.&nbsp;109,
<I>Accounting for Income Taxes</I>. RVI uses the &#147;parent
company down&#148; approach in allocating the consolidated
amount of current and deferred tax expense to its subsidiaries.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;OTHER BENEFIT PLANS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company participates in a 401(k)&nbsp;Plan (the
&#147;Plan&#148;) maintained by RVI. Employees who attain age
twenty-one are eligible to defer compensation as of the first
day of the month following 60&nbsp;days of employment and may
contribute up to thirty percent of their compensation to the
Plan, on a pre-tax basis, subject to Internal Revenue Service
limitations. As of the first day of the month following an
employee&#146;s completion of one year of service as defined
under the terms of the Plan, the Company matches employee
deferrals into the Plan, 100% on the first 3% of eligible
compensation deferred and 50% on the next 2% of eligible
compensation deferred. Additionally, the Company may contribute
a discretionary profit sharing amount to the Plan each year. The
Company incurred costs associated with the 401(k) Plan of
$0.7&nbsp;million, $0.9&nbsp;million and $0.9&nbsp;million for
fiscal years 2004, 2003 and 2002, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Certain employees of the Company participated in the
Schottenstein Stores Corporation Deferred Compensation Plan
which is a non-qualified, pre-tax, income deferral plan. The
cost of the plan was not material to the financial statements.
Effective January&nbsp;31, 2003, their participation in that
plan was terminated.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;COMMITMENTS AND
CONTINGENCIES</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In March 2005, the Company announced the theft of credit card
and other purchase information relating to all customers who
made purchases at 103 DSW stores between mid-November 2004 and
mid-February 2005. The Company now believes that the theft
occurred at 108 DSW stores. The Company has contacted federal
law enforcement authorities, who are involved in the
investigation. The Company is taking steps to address the
situation, including a review of the technology systems in
conjunction with a leading computer security firm, and also
working with others to mitigate the situation. As a result, the
Company has estimated its potential liability associated with
these events and has recorded a $6.5&nbsp;million reserve in the
first quarter of fiscal 2005 and has estimated that the ultimate
liability could exceed $6.5&nbsp;million by as much as an
additional $3.0&nbsp;million.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company is involved in various legal proceedings that are
incidental to the conduct of its business. The Company estimates
the range of liability related to pending litigation where the
amount and range of loss can be estimated. The Company records
its best estimate of a loss when the loss is considered
probable. Where a liability is probable and there is a range of
estimated loss, the Company records the minimum estimated
liability related to the claim. In the opinion of management,
the amount of any liability with respect to these proceedings
will not be material. As additional information becomes
available, the Company assesses
</DIV>

<P align="center" style="font-size: 10pt;">F-17

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt;">
<B>DSW INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS&nbsp;&#151;
(Continued)</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
the potential liability related to its pending litigation and
revises the estimates. Revisions in the Company&#146;s estimates
and potential liability could materially impact its results of
operations.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company has entered into cross-corporate guarantees with
various financing institutions pursuant to which the Company,
RVI, Filene&#146;s Basement and VCDS, jointly and severally,
guarantee payment obligations owed to these entities under
factoring arrangements they have entered into with vendors who
may provide merchandise to some or all of RVI&#146;s
subsidiaries.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SEGMENT REPORTING</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company operates as one segment, which is footwear and
accessories. All of the operations are located in the United
States of America.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SUBSEQUENT EVENTS</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In March 2005, the Company and RVI and their affiliates
increased the ceiling under its revolving credit facility from
$350&nbsp;million to $425&nbsp;million. The increase of
$75&nbsp;million to the revolving credit facility was
accomplished by amendment under substantially the same terms to
the existing revolving credit agreement which expires in June
2006.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In March 2005, the Company declared a dividend and issued an
intercompany note to its parent in the amount of
$165.0&nbsp;million. The indebtedness is evidenced by a note
which is scheduled to mature in March 2020 and bears interest at
a rate equal to LIBOR plus 850&nbsp;basis points per year.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In March 2005, RVI announced that the Company filed a
registration statement with the SEC and plans to pursue an
initial public offering (&#147;IPO&#148;). The Company expects
that the IPO will be completed in 2005, subject to market
conditions. After the IPO, the Company expects that RVI will
continue to own a majority of the outstanding common shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In May 2005, the Company declared a dividend and issued an
intercompany note to its parent in the amount of
$25.0&nbsp;million. The indebtedness is evidenced by a note
which is scheduled to mature in May 2020 and bears interest at a
rate equal to LIBOR plus 950 basis points per year.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
*&nbsp;*&nbsp;*&nbsp;*&nbsp;*&nbsp;*
</DIV>

<P align="center" style="font-size: 10pt;">F-18

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW Inc.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<A name='307'></A>
</DIV>

<!-- link1 "Schedule II -- Valuation and Qualifying Accounts" -->

<DIV align="center" style="font-size: 10pt;">
<B>Schedule&nbsp;II&nbsp;&#151; Valuation and Qualifying
Accounts</B>
</DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="42%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2" align="left" nowrap><B>Column&nbsp;A</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Column&nbsp;B</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" align="center" nowrap><B>Column&nbsp;C</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Column&nbsp;D</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Column&nbsp;E</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="7" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Balance at</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Charge to</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center" nowrap><B>Charges</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Balance</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Beginning</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Costs and</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center" nowrap><B>to Other</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>at End of</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>of Period</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Expenses</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center" nowrap><B>Accounts</B></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Deductions</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Period</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(Dollars in thousands)</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Description</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Allowance deduction from asset to which it applies:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Inventory Reserve:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Year Ended:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2/1/2003</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>9,054</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>3,702</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>1,367</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>11,389</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    1/31/2004</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11,389</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,730</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,614</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11,505</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    1/29/2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11,505</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,697</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14,202</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Allowance for Sales Returns:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Year Ended:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2/1/2003</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>726</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>107</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>619</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    1/31/2004</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>619</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>786</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,405</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    1/29/2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,405</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>176</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>109</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,472</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    <B>Store Closing Reserve:</B></DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Year Ended:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    2/1/2003</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>1,117</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>989</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>128</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    1/31/2004</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>128</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,249</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>574</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>803</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    1/29/2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>803</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>129</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>400</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>532</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<P align="center" style="font-size: 10pt;">F-19

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>CONDENSED CONSOLIDATED BALANCE SHEET</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>April&nbsp;30, 2005</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>(Unaudited)</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="72%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>April 30, 2005</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>(In thousands,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>except share</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>amounts)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="7" align="center" valign="top">
    <B>ASSETS</B></TD>
</TR>

<TR>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CURRENT ASSETS:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash and equivalents</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>13,718</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accounts receivable, net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,065</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Inventories</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>228,086</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Prepaid expenses and other assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,035</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deferred income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>23,327</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total current assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>277,231</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    PROPERTY AND EQUIPMENT&nbsp;&#151; NET</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>91,055</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    GOODWILL</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25,899</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    TRADENAMES AND OTHER INTANGIBLES&nbsp;&#151; Net</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,863</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    DEFERRED INCOME TAXES AND OTHER ASSETS</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,067</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    TOTAL ASSETS</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,115</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="7" align="center" valign="top">
    <B>LIABILITIES AND SHAREHOLDER&#146;S EQUITY</B></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    CURRENT LIABILITIES:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accounts payable</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>82,020</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued expenses:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Compensation</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>3,593</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14,644</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Other</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>25,259</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total current liabilities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>125,516</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    ADVANCES FROM AFFILIATES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>649</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    LONG-TERM OBLIGATIONS&nbsp;&#151; Net of current maturities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>40,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    INTERCOMPANY NOTE&nbsp;TO PARENT</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>165,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    OTHER NONCURRENT LIABILITIES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>55,144</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    COMMITMENTS AND CONTINGENCIES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    SHAREHOLDER&#146;S EQUITY:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Common shares&nbsp;&#151; without par value:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Authorized&nbsp;&#151; 500&nbsp;shares</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Outstanding&nbsp;&#151; 410.09&nbsp;shares</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Paid in capital</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Retained earnings</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20,806</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total shareholder&#146;s equity</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>20,806</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="3" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    TOTAL LIABILITIES AND SHAREHOLDER&#146;S EQUITY</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>407,115</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
The accompanying notes are an integral part of the Condensed
Consolidated Financial Statements.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">F-20
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>CONDENSED CONSOLIDATED STATEMENTS OF INCOME</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>Three Months Ended April&nbsp;30, 2005 and May&nbsp;1,
2004</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>(Unaudited)</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="68%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Three Months Ended</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>April&nbsp;30,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>May&nbsp;1,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    NET SALES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>281,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>232,559</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    COST OF SALES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(199,008</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(164,972</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    GROSS PROFIT</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>82,798</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>67,587</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    OPERATING EXPENSES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(67,745</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(53,782</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    OPERATING PROFIT</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>15,053</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>13,805</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    INTEREST EXPENSE&nbsp;&#151; NET</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    NON-RELATED PARTIES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(849</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(726</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    RELATED PARTIES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,672</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    EARNINGS BEFORE INCOME TAXES</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>11,532</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>13,079</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    INCOME TAX PROVISION</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(4,552</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,263</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    NET INCOME</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>6,980</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,816</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
The accompanying notes are an integral part of the Condensed
Consolidated Financial Statements.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">F-21

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>CONDENSED CONSOLIDATED STATEMENTS OF SHAREHOLDER&#146;S
EQUITY</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>Three Months Ended April&nbsp;30, 2005 and May&nbsp;1,
2004</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>(Unaudited)</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="55%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Number of</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Common</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Paid in</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Retained</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Shares</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Capital</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Earnings</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>Total</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="14" align="center" nowrap><B>(In thousands, except share amounts)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    BALANCE&nbsp;&#151; January&nbsp;31, 2004</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>410.09</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>42,429</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>143,871</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,816</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,816</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    BALANCE&nbsp;&#151; May&nbsp;1, 2004</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>410.09</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>50,245</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>151,687</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    BALANCE&nbsp;&#151; January&nbsp;29, 2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>410.09</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>101,442</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>77,384</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>178,826</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,980</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,980</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Dividend to parent</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(101,442</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(63,558</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(165,000</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    BALANCE&nbsp;&#151; April&nbsp;30, 2005</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>410.09</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>20,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>20,806</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
The accompanying notes are an integral part of the Condensed
Consolidated Financial Statements.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">F-22

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>DSW INC.</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>Three Months Ended April&nbsp;30, 2005 and May&nbsp;1,
2004</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt;">
<B>(Unaudited)</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="69%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Three Months Ended</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>April&nbsp;30,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>May&nbsp;1,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash flows from operating activities:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net Income</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>6,980</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>7,816</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Adjustments to reconcile net income to net cash used in
    operating activities:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Depreciation and amortization</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,719</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,363</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Amortization of debt issuance costs</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>98</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>140</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Deferred income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(3,213</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>31</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Loss on disposal of assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>14</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>30</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Change in working capital, assets and liabilities:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accounts receivable</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(774</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(2,758</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Inventories</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(20,071</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(20,846</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Prepaid expenses and other assets</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,136</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,152</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Advances to/from affiliates</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>24,325</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,718</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accounts payable</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,900</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,104</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Proceeds from lease incentives</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,828</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,233</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Other noncurrent liabilities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>632</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>1,757</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accrued expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>6,752</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>432</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net cash provided by operating activities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>26,054</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>2,172</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash flows from investing activities:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Capital expenditures</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,579</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(7,334</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net cash used in investing activities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(5,579</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(7,334</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash flows from financing activities:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Payments on capital lease obligations</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(54</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net (decrease) increase in revolving credit facility</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(15,000</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>10,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Debt issuance costs</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(96</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&#151;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net cash (used in) provided by financing activities</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>(15,096</TD>
    <TD align="left" valign="bottom" nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>9,946</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Net increase in cash and equivalents</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>5,379</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>4,784</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash and equivalents, beginning of period</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>8,339</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>7,076</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash and equivalents, end of period</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>13,718</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>11,860</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
The accompanying notes are an integral part of the Condensed
Consolidated Financial Statements.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">F-23
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="4%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD><B>1.&nbsp;</B></TD>
    <TD>
    <B>BUSINESS OPERATIONS</B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW Inc. and its wholly owned subsidiary are herein referred to
collectively as the Company. At April&nbsp;30, 2004, the Company
was a wholly owned subsidiary of Retail Ventures, Inc.
(&#147;RVI&#148;). RVI is listed on the New York Stock Exchange
trading under the ticker symbol &#147;RVI.&#148; As a result of
a reorganization within RVI, the Company became a wholly owned
subsidiary of RVI on January&nbsp;1, 2005. Prior to
January&nbsp;1, 2005, the Company was a subsidiary of Value City
Department Stores, Inc., a wholly owned subsidiary of RVI. The
Company operated in a single segment and sells better-branded
footwear and accessories. As of April&nbsp;30, 2005, the Company
operated a total of 177 stores located throughout the United
States. The Company also supplies footwear, under supply
arrangements, to 25 Filene&#146;s Basement stores and
206&nbsp;locations for other non-related retailers in the United
States.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="4%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD><B>2.&nbsp;</B></TD>
    <TD>
    <B>BASIS OF PRESENTATION</B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The accompanying unaudited interim financial statements should
be read in conjunction with the 2004&nbsp;Annual Report.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the opinion of management, the unaudited interim financial
statements reflect all adjustments, consisting of only normal
recurring adjustments, which are necessary to present fairly the
consolidated financial position and results of operations for
the periods presented.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="4%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD><B>3.&nbsp;</B></TD>
    <TD>
    <B>ADOPTION OF ACCOUNTING STANDARDS</B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Financial Accounting Standards Board (&#147;FASB&#148;)
periodically issues Statements of Financial Accounting Standards
(&#147;SFAS&#148;), some of which require implementation by a
date falling within or after the close of the fiscal year.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In December 2004, the FASB issued SFAS&nbsp;No.&nbsp;123
(revised 2004) (&#147;SFAS&nbsp;No.&nbsp;123R&#148;),
Share-Based Payment. This statement revised
SFAS&nbsp;No.&nbsp;123, Accounting for Stock-Based Compensation,
and requires companies to expense the value of employee stock
options and similar awards. The effective date of this standard
is interim and annual periods beginning after June&nbsp;15,
2005. No stock options or similar awards have been granted by
the Company as of fiscal years 2004 and 2003. Therefore
SFAS&nbsp;No.&nbsp;123R has had no impact on the Company.
However any future stock options and similar awards would need
to be valued and expensed in accordance with
SFAS&nbsp;No.&nbsp;123R.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In April 2005, the Securities and Exchange Commission delayed
compliance date for SFAS&nbsp;123R until the beginning of the
Company&#146;s fiscal year 2006.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="4%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD><B>4.&nbsp;</B></TD>
    <TD>
    <B>LONG-TERM OBLIGATIONS</B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In March 2005, the Company and RVI and their affiliates
increased the ceiling under their revolving credit facility from
$350&nbsp;million to $425&nbsp;million. The increase of
$75&nbsp;million to the revolving credit facility was
accomplished by amendment under substantially the same terms to
the existing revolving credit agreement, which expires in June
2006.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In March 2005, the Company declared a dividend and issued an
intercompany note to its parent in the amount of
$165.0&nbsp;million. The indebtedness is evidenced by a note
which is scheduled to mature in March 2020 and bears interest at
a rate equal to London Interbank Offered Rate, or LIBOR, plus
850&nbsp;basis points per year. The interest is payable
quarterly in arrears beginning on March&nbsp;31, 2005 and
continuing on the last business day of each fiscal quarter
thereafter, except that the entire unpaid balance of accrued
interest, if not sooner paid, shall be due and payable in full
on or before the maturity date. As of April&nbsp;30, 2005, there
was interest accrued of $2.7&nbsp;million for the intercompany
note included in Advances from affiliates on the balance sheet.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">F-24
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="4%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD><B>5.&nbsp;</B></TD>
    <TD>
    <B>SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION</B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
A supplemental schedule of non-cash investing and financing
activities is presented below:
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="72%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Three Months</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>Ended</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>April&nbsp;30,</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>May&nbsp;1,</B></TD><TD></TD>
</TR>

<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2005</B></TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap><B>2004</B></TD><TD></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD><TD></TD>
</TR>


<TR style="font-size: 8pt;">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="6" align="center" nowrap><B>(In thousands)</B></TD><TD></TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Cash paid during the period for:</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">&nbsp;</TD>
    <TD align="right" valign="bottom" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Interest to non-related parties</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>1,021</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>554</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Income taxes</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>494</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>1,024</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
During the three months ended April&nbsp;30, 2005, the Company
declared a dividend and issued an intercompany note to RVI in
the amount of $165.0&nbsp;million.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="4%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD><B>6.&nbsp;</B></TD>
    <TD>
    <B>COMMITMENTS AND CONTINGENCIES</B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On March&nbsp;8, 2005, RVI announced that it had learned of the
theft of credit card and other purchase information. On
April&nbsp;18, 2005, RVI issued the findings from the
Company&#146;s investigation into the theft. The theft took
place primarily over two weeks and covered all customers who
made purchases at 108 DSW stores, primarily during a three-month
period from mid-November 2004 to mid-February 2005. Transaction
information involving approximately 1.4&nbsp;million credit
cards was obtained. For each card, the stolen information
included credit card or debit card numbers, name and transaction
amount. In addition, data from transactions involving
approximately 96,000 checks were stolen. In these cases,
checking account numbers and driver&#146;s license numbers were
obtained.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company has contacted and is cooperating with federal law
enforcement and other authorities with regard to this matter. To
mitigate potential negative effects on its business and
financial performance, the Company is working with credit card
companies and issuers and trying to contact as many of its
affected customers as possible. On June&nbsp;6, 2005, the Ohio
Attorney General brought an action against us in the court of
Common Pleas in Franklin County, Ohio (State of Ohio&nbsp;v. DSW
Inc.) seeking to require the Company to notify all customers
affected by the theft who have not thus far been notified by the
Company. There can be no assurance that there will not be
additional proceedings or claims brought against the Company in
the future. In addition, the Company is working with a leading
computer security firm to minimize the risk of any further data
theft.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
As of April&nbsp;30, 2005, the Company estimates that the
potential exposure for losses related to this theft range from
approximately $6.5&nbsp;million to approximately
$9.5&nbsp;million. Because of many factors, including the early
development of information regarding the theft and
recoverability under insurance policies, there is no amount in
the estimated range that represents a better estimate than any
other amount in the range. Therefore, in accordance with
Financial Accounting Standard No.&nbsp;5, <I>Accounting for
Contingencies</I>, the Company has accrued a charge to
operations in the first quarter of fiscal 2005 equal to the low
end of the range set forth above, or $6.5&nbsp;million. As the
situation develops and more information becomes available, the
amount of the reserve may increase or decrease accordingly. The
amount of any such change may be material.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company does not yet know what effect this incident may have
on its customers&#146; perception of the Company. Since the
announcement of the theft, the Company has not discerned any
negative effect on comparable store sales trends after
accounting for the shifting Easter holiday. However, given the
short time period involved, these recent trends may not be
indicative of the long-term effects of the incident.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company is involved in various legal proceedings that are
incidental to the conduct of its business. The Company estimates
the range of liability related to pending litigation where the
amount and range of loss can be estimated. The Company records
its best estimate of a loss when the loss is considered
probable. Where a liability is probable and there is a range of
estimated loss, the Company records the minimum estimated
liability related to the claim. In the opinion of management,
the amount of any liability with respect to these proceedings
will not be material. As additional information becomes
available, the Company assesses
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">F-25

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<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt;">
the potential liability related to its pending litigation and
revises the estimates. Revisions in the Company&#146;s estimates
and potential liability could materially impact its results of
operations.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="4%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD><B>7.&nbsp;</B></TD>
    <TD>
    <B>SUBSEQUENT EVENTS</B></TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In May 2005, the Company declared a dividend and issued an
intercompany note to its parent in the amount of
$25.0&nbsp;million. The indebtedness is evidenced by a note
which is scheduled to mature in May 2020 and bears interest at a
rate equal to LIBOR plus 950&nbsp;basis points per year.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">F-26
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<DIV style="font-family: 'Times New Roman',Times,serif">



<P align="center" style="font-size: 10pt"><IMG src="x06593a3x0659314.gif" alt="()">




<P align="center" style="font-size: 10pt">
</DIV>


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<DIV align="left" style="font-size: 10pt;">

</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
14,062,500&nbsp;Shares
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 24pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<IMG src="x06593a3x0659301.gif" alt="(DSW LOGO)">
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 24pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
Class&nbsp;A Common Shares
</DIV>

<DIV align="center" style="font-size: 3pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 33%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 8pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
PROSPECTUS
</DIV>

<DIV align="center" style="font-size: 12pt;">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2005
</DIV>

<DIV align="center" style="font-size: 3pt;">
<DIV style="width: 33%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 16pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B><FONT style="font-variant:SMALL-CAPS">Lehman
Brothers</FONT></B>
</DIV>

<DIV align="center" style="font-size: 3pt; margin-top: 23pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 33%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV align="center" style="font-size: 14pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B><FONT style="font-variant:SMALL-CAPS">Goldman, Sachs &#38;
Co.</FONT></B>
</DIV>

<DIV align="center" style="font-size: 14pt;">
<B><FONT style="font-variant:SMALL-CAPS">CIBC World
Markets</FONT></B>
</DIV>

<DIV align="center" style="font-size: 14pt;">
<B><FONT style="font-variant:SMALL-CAPS">Johnson Rice &#38;
Company L.L.C.</FONT></B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 9pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">

</DIV>


<DIV align="center" style="font-size: 10pt;">
(GLOBE WATERMARK)
</DIV>


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<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>PART II</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>INFORMATION NOT REQUIRED IN PROSPECTUS</B>
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="9%"></TD>
    <TD width="91%"></TD>
</TR>

<TR valign="top">
    <TD><B>Item&nbsp;13.</B></TD>
    <TD>
    <B><I>Other Expenses of Issuance and Distribution</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following table sets forth the estimated fees and expenses
(except for the Securities and Exchange Commission registration
fee, the National Association of Securities Dealers, Inc. filing
fee and the NYSE, Inc. listing fee) payable by the registrant in
connection with the distribution of the Class&nbsp;A Common
Shares:
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="3%">&nbsp;</TD>
    <TD width="81%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Securities and Exchange Commission registration fee</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>32,368</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    National Association of Securities Dealers, Inc. filing fee</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>27,992</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    NYSE listing fee</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>250,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Printing and engraving costs</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>518,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Legal fees and expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>5,100,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Accountants&#146; fees and expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>600,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Blue sky qualification fees and expenses</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>10,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR>
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Transfer agent fees</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>5,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" bgcolor="#cceeff">
    <TD colspan="2" align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Miscellaneous</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>400,000</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

<TR>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    Total</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">$</TD>
    <TD align="right" valign="bottom" nowrap>6,943,360</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left" style="border-top: 3pt double #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>

</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>*&nbsp;</TD>
    <TD align="left">
    To be furnished by amendment.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="9%"></TD>
    <TD width="91%"></TD>
</TR>

<TR valign="top">
    <TD><B>Item&nbsp;14.</B></TD>
    <TD>
    <B><I>Indemnification of Directors and Officers</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Ohio Law</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Pursuant to Section&nbsp;1701.13(E) of the Ohio Revised Code, an
Ohio corporation is permitted to indemnify directors, officers
and other persons under certain circumstances. In some
circumstances, an Ohio corporation is required to indemnify
directors and officers.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
An Ohio corporation is required to indemnify a director or
officer against expenses actually and reasonably incurred to the
extent that the director or officer is successful in defending a
lawsuit brought against him or her by reason of the fact that
the director or officer is or was a director or officer of the
corporation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If a director or officer is not successful in an action brought
against the director or officer, he or she still may be
indemnified under certain circumstances. In actions brought
against a director or officer by any person (other than the
corporation or on behalf of the corporation), the defendant
director or officer may be indemnified for expenses, judgments,
fines and amounts paid in settlement if it is determined that
the defendant was acting in good faith, in a manner he
reasonably believed to be in or not opposed to the best
interests of the corporation, and in a criminal proceeding, that
he or she had no reasonable cause to believe his or her conduct
was unlawful. The determination of whether to indemnify an
unsuccessful director or officer may be made by any of the
following: (i)&nbsp;a majority vote of a quorum of disinterested
directors; (ii)&nbsp;independent legal counsel; (iii)&nbsp;the
shareholders; or (iv)&nbsp;a court of competent jurisdiction.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If a director or officer is not successful in an action brought
by or on behalf of the corporation against the director or
officer, the defendant director or officer may be indemnified
only for expenses if it is determined that the defendant was
acting in good faith and in a manner he reasonably believed to
be in or not opposed to the best interests of the corporation.
In an action brought by or behalf of the corporation, if the
director or officer is adjudged to be liable for negligence or
misconduct, no indemnification for expenses is permitted unless
authorized by court order. Similarly, if a director is not
successful in an action brought by or on behalf of the
corporation against a director where the only liability asserted
is for authorizing unlawful loans, dividends, distributions or
purchase of the corporation&#146;s own shares, no
indemnification for expenses is permitted under the statute.
</DIV>

<P align="center" style="font-size: 10pt;">II-1
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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Unless otherwise provided in the articles or regulation of a
corporation and unless the only liability asserted against a
director is for authorizing unlawful loans, dividends,
distributions or purchase of the corporation&#146;s own shares,
directors (but not any other person) are entitled to mandatory
advancement of expenses incurred in defending any action,
including derivative actions, brought against the director,
provided that the director agrees to cooperate with the
corporation concerning the matter and to repay the amount
advanced if it is proved by clear and convincing evidence that
his or her act or failure to act was done with deliberate intent
to cause injury to the corporation or with reckless disregard to
the corporation&#146;s best interests.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Pursuant to Ohio law, a director is not liable for monetary
damages unless it is proved by clear and convincing evidence in
a court of competent jurisdiction that his or her action or
failure to act involved an act or omission undertaken with
deliberate intent to cause injury to the corporation or
undertaken with reckless disregard for the best interests of the
corporation. There is, however, no comparable provision limiting
the liability of officers, employees or agents of a corporation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The statutory right of indemnification is not exclusive in Ohio,
and a corporation may, among other things, grant rights to
indemnification under the corporation&#146;s articles, code of
regulation or agreements. Ohio corporations are also
specifically authorized to procure insurance against any
liability that may be asserted against directors and officers,
whether or not the corporation would have the power to indemnify
such officials.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Code of Regulations</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Article&nbsp;Five of the registrant&#146;s code of regulations
contains certain indemnification provisions adopted pursuant to
authority contained in Section&nbsp;1701.13(E) of the Ohio
Revised Code.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The registrant&#146;s code of regulations provides for the
indemnification of every person who was or is a party or is
threatened to be made a party to, or is or was involved or is
threatened to be involved in, any threatened, pending or
completed action, suit or proceeding, whether civil, criminal,
arbitrative, administrative or investigative, by reason of the
fact that such person is or was a director or officer of the
corporation or is or was serving at the request of the
corporation as a director, trustee, officer, partner, member or
manager, of another corporation, limited liability company,
partnership, joint venture, trust, employee benefit plan or
other enterprise, against all expenses, judgments, fines, excise
taxes assessed with respect to an employee benefit plan,
penalties and amounts paid in settlement actually and reasonably
incurred by such person in connection with any proceeding, if he
or she acted in good faith and in a manner in which he or she
reasonably believed to be in and not opposed to the best
interests of the corporation, and, with respect to any criminal
proceeding, he or she did not have reasonable cause to believe
that his or her conduct was unlawful.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In addition, the registrant&#146;s code of regulations provides
that the registrant shall not provide indemnification for any
person (i)&nbsp;in such person&#146;s capacity as a director of
the registrant in respect of any claim issue or matter asserted
in a proceeding by or in the right of the corporation as to
which such person shall have been adjudged liable to the
registrant for an act or omission undertaken by such person with
deliberate intent to cause injury to the corporation or with
reckless disregard for the registrant&#146;s best interests,
(ii)&nbsp;in such person&#146;s capacity other than that of a
director of the registrant in respect of any claim, issue or
matter asserted in a proceeding by or in light of the registrant
as to which the indemnitee shall have been adjudged to be liable
to the corporation for negligence or misconduct, or
(iii)&nbsp;in any proceeding by or in the right of the
corporation in which the only liability asserted relates to the
authorization of unlawful loans, dividends, distributions or
repurchase of the registrant&#146;s own shares, absent a court
order.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Indemnification Agreements</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
DSW will enter into indemnification agreements with its
directors and executive officers. Pursuant to the
indemnification agreements, DSW will agree to indemnify an
indemnitee to the greatest extent permitted by
</DIV>

<P align="center" style="font-size: 10pt;">II-2

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt;">
Ohio law as set forth above and in its code of regulations.
Notwithstanding the foregoing, an indemnitee will not be
entitled to indemnification under the indemnification agreement:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    with respect to any claim brought or made by an indemnitee in a
    proceeding, unless the bringing or making of such claim has been
    approved or ratified by the board of directors; provided,
    however, that the foregoing does not apply to any claim brought
    or made by an indemnitee to enforce a right of an indemnitee
    under the indemnification agreement;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    for expenses incurred by an indemnitee with respect to any
    action instituted by or in the name of DSW against the
    indemnitee, if and to the extent that a court of competent
    jurisdiction declares or otherwise determines in a final,
    unappealable judgment that each of the material defenses
    asserted by such indemnitee was made in bad faith or was
    frivolous;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    for expenses and other liabilities arising from the purchase and
    sale by an indemnitee of securities in violation of
    Section&nbsp;16(b) of the Securities Exchange Act of 1934, or
    any similar state or successor statute; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&#149;&nbsp;</TD>
    <TD align="left">
    for expenses and other liabilities if and to the extent that a
    court of competent jurisdiction declares or otherwise determines
    in a final, unappealable judgment that DSW is prohibited by
    applicable law from making such indemnification payment or that
    such indemnification payment is otherwise unlawful.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>Insurance</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In addition, DSW will provide insurance coverage to its
directors and officers against certain liabilities which might
be incurred by them in such capacity. Initially, such insurance
coverage will be provided through the shared services agreement
to be entered into with Retail Ventures.
</DIV>

<DIV style="margin-top: 12pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="9%"></TD>
    <TD width="91%"></TD>
</TR>

<TR valign="top">
    <TD><B>Item&nbsp;16.</B></TD>
    <TD>
    <B><I>Exhibits and Financial Statement Schedules</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>A.&nbsp;Exhibits</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 6pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;1.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Underwriting Agreement.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;3.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Amended Articles of Incorporation of the registrant.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;3.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Amended and Restated Code of Regulations of the
    registrant.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;4.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Specimen Class&nbsp;A Common Shares temporary certificate.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;4.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amended and Restated Registration Rights Agreement, dated as of
    June&nbsp;11, 2002, by and among Value City Department Stores,
    Inc. and Cerberus Partners, L.P. and Schottenstein Stores
    Corporation. Incorporated by reference to Exhibit&nbsp;10.4 to
    Retail Ventures&#146; Form&nbsp;10-Q (file no.&nbsp;1-10767)
    filed June&nbsp;18, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;4.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Registration Rights Agreement, by and among DSW Inc.,
    Schottenstein Stores Corporation, Cerberus Partners, L.P.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;4.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Exchange Agreement by and between Retail Ventures, Inc.
    and DSW Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;5.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Opinion of Vorys, Sater, Seymour and Pease LLP.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;8.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Opinion of Skadden, Arps, Slate, Meagher &#38; Flom LLP
    regarding tax matters.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Corporate Services Agreement, dated June&nbsp;12, 2002, between
    Retail Ventures and Schottenstein Stores Corporation.
    Incorporated by reference to Exhibit&nbsp;10.6 to Retail
    Ventures&#146; Form&nbsp;10-Q (file no.&nbsp;1-10767) filed
    June&nbsp;18, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.1.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Amendment to Corporate Services Agreement, among Retail
    Ventures, Schottenstein Stores Corporation and Schottenstein
    Management Company, and the supplemental letter agreement among
    Schottenstein Stores Corporation, Schottenstein Management
    Company and DSW Inc. related thereto.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated March&nbsp;4, 2005, between
    Deborah&nbsp;L. Ferr&#233;e and DSW Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated June&nbsp;1, 2005, between Peter Z.
    Horvath and DSW Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated June&nbsp;1, 2005, between Douglas
    J. Probst and DSW Inc.**</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">II-3
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.5</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated June&nbsp;21, 2000, between James A.
    McGrady and Retail Ventures. Incorporated by reference to
    Exhibit&nbsp;10.46 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed May&nbsp;4, 2001.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.6</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated as of April&nbsp;29, 2004, between
    Julia A. Davis and Retail Ventures. Incorporated by reference to
    Exhibit&nbsp;10.51 to Retail Ventures&#146; Form&nbsp;10-K (File
    no.&nbsp;1-10767) filed April&nbsp;29, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.7</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement dated February&nbsp;3, 2002 between John C.
    Rossler and Retail Ventures. Incorporated by reference to
    Exhibit&nbsp;10 to Retail Ventures&#146; Form&nbsp;10-Q (file
    no.&nbsp;1-10767) filed September&nbsp;12, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.8</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated February&nbsp;3, 2002, between Edwin
    J. Kozlowski and Retail Ventures. Incorporated by reference to
    Exhibit&nbsp;10.43 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed May&nbsp;1, 2003.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.9</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Settlement Agreement, dated March 2005, between John C. Rossler
    and Retail Ventures, Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.10</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Settlement Agreement, dated March 2005, between Edwin J.
    Kozlowski and Retail Ventures, Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.11</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Loan and Security Agreement, between DSW Inc. and DSW
    Shoe Warehouse, Inc., as the Borrowers, and National City
    Business Credit, Inc., as Administrative Agent and Collateral
    Agent for the Revolving Credit Lenders.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Loan and Security Agreement, dated as of June&nbsp;11, 2002,
    between Retail Ventures, as Borrowers, and National City
    Business Credit Finance, Inc., as Administrative Agent for the
    ratable benefit of the Revolving Credit Lenders. Incorporated by
    reference to Exhibit&nbsp;10.1 to Retail Ventures&#146;
    Form&nbsp;10-Q (file&nbsp;no.&nbsp;1-10767) filed June&nbsp;18,
    2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    First Amendment to Loan and Security Agreement, dated as of
    October&nbsp;7, 2003, between Value City Department Stores,
    Inc., as Agent for the Borrowers, and National City Business
    Credit Finance, Inc., as Administrative Agent for the ratable
    benefit of the Revolving Credit Lenders. Incorporated by
    reference to Exhibit&nbsp;10(a) to Retail Ventures&#146;
    Form&nbsp;8-K (file No.&nbsp;1-10767) filed October&nbsp;8, 2003.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Second Amendment to Loan and Security Agreement, dated as of
    July&nbsp;29, 2004, between Value City Department Stores, Inc.
    as Agent for the Borrowers, and National City Business Credit
    Finance, Inc. as Administrative Agent for the ratable benefit of
    the Revolving Credit Lenders. Incorporated by reference to
    Exhibit&nbsp;10.1 to Retail Ventures&#146; Form&nbsp;10-Q (file
    No.&nbsp;1-10767) filed September&nbsp;8, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Joinder and Third Amendment to Loan and Security Agreement,
    dated December&nbsp;29, 2004, between Value City Department
    Stores LLC as Lead Borrower, and National City Business Credit
    Finance, Inc. as Administrative Agent for the ratable benefit of
    the Revolving Credit Lenders. Incorporated by reference to
    Exhibit&nbsp;10.1 of Retail Ventures&#146; Form&nbsp;8-K (file
    no.&nbsp;1-10767) filed January&nbsp;4, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Fourth Amendment to Loan and Security Agreement dated
    March&nbsp;10, 2005, between Value City Department Stores LLC as
    Lead Borrower, and National City Business Credit Finance, Inc.
    as Administrative Agent for the ratable benefit of the Revolving
    Credit Lenders. Incorporated by reference to Exhibit&nbsp;10.1
    of Retail Ventures&#146; Form&nbsp;8-K (file no.&nbsp;1-10767)
    filed March&nbsp;15, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.5</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Amended and Restated Loan and Security Agreement, by and
    between Value City Department Stores LLC, as Lead Borrower,
    Gramex Retail Stores, Inc., Filene&#146;s Basement, Inc., Value
    City of Michigan, Inc., GB Retailers, Inc., Retail Ventures
    Jewelry, Inc., as Borrowers, and National City Business Credit,
    Inc., as Administrative Agent and Collateral Agent for the
    Revolving Credit Lenders referenced therein.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Financing Agreement, dated as of June&nbsp;11, 2002, by and
    among Value City Department Stores, Inc., Shonac Corporation,
    DSW&nbsp;Shoe Warehouse Inc., Gramex Retail Stores, Inc.,
    Filene&#146;s Basement, Inc., Value City Limited Partnership,
    Value City of Michigan, Inc., GB&nbsp;Retailers, Inc., and
    VCM,&nbsp;Ltd., as Borrowers and Cerberus Partners, L.P. and the
    Lenders from time to time party thereto. Incorporated by
    reference to Exhibit&nbsp;10.2 to Retail Ventures&#146;
    Form&nbsp;10-Q (file no.&nbsp;1-10767) filed June&nbsp;18, 2002.</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">II-4

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    First Amendment to the Financing Agreement, dated as of
    October&nbsp;7, 2003, by and among Value City Department Stores,
    Inc., Shonac Corporation, DSW Shoe Warehouse, Inc., Gramex
    Retail Stores, Inc., Filene&#146;s Basement, Inc., GB Retailers,
    Inc., Value City Limited Partnership, Value City of Michigan,
    Inc., J.S. Overland Delivery, Inc., Value City Department Stores
    Services, Inc., Westerville Road GP, Inc. and Westerville Road
    LP, Inc., Retail Ventures, Inc., Retail Ventures Jewelry, Inc.,
    Retail Ventures Services, Inc., and Retail Ventures Imports,
    Inc. (formerly known as VC Acquisition, Inc.) and Cerberus
    Partners, L.P., as agent for the Lenders. Incorporated by
    reference to Exhibit&nbsp;10(b) to Retail Ventures&#146;
    Form&nbsp;8-K (file No.&nbsp;1-10767) filed October&nbsp;8, 2003.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Second Amendment to Financing Agreement, dated July&nbsp;29,
    2004, by and among the Borrowers named therein, the Guarantors
    named therein, the Lenders named therein, and Cerberus Partners,
    L.P. Incorporated by reference to Exhibit&nbsp;10.2 to Retail
    Ventures&#146; Form&nbsp;10-Q (file No.&nbsp;1-10767) filed
    September&nbsp;8, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Third Amendment to Financing Agreement, dated as of
    December&nbsp;29, 2004, by and among the Borrowers named
    therein, the Guarantors named therein, the Lenders named
    therein, and Cerberus Partners, L.P. Incorporated by reference
    to Exhibit&nbsp;10.2 of Retail Ventures&#146; Form&nbsp;8-K
    (file no.&nbsp;1-10767) filed January&nbsp;4, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Fourth Amendment to Financing Agreement, by and among
    the Borrowers named therein, the Guarantors named therein, the
    Lenders named therein, and Cerberus Partners, L.P.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amended and Restated Senior Convertible Loan Agreement, dated as
    of June&nbsp;11, 2002 by and among Value City Department Stores,
    Inc., as Borrower, Shonac Corporation, DSW Shoe Warehouse, Inc.,
    Gramex Retail Stores, Inc., VCM, Ltd., Filene&#146;s Basement,
    Inc., GB Retailers, Inc., J.S. Overland Delivery, Inc., Value
    City Department Stores Services, Inc., Value City Limited
    Partnership, Value City of Michigan, Inc., Westerville Road GP,
    Inc. and Westerville Road LP, Inc., as guarantors, the Lenders
    from time to time party hereto, as Lenders, and Schottenstein
    Stores Corporation, as Agent. Incorporated by reference to
    Exhibit&nbsp;10.3 to Retail Ventures&#146; Form&nbsp;10-Q (file
    no.&nbsp;1-10767) filed June&nbsp;18, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amendment No.&nbsp;1 to Amended and Restated Senior Convertible
    Loan Agreement, dated June&nbsp;11, 2002 by and among Value City
    Department Stores, Inc., as Borrower, Shonac Corporation, DSW
    Shoe Warehouse, Inc., Gramex Retail Stores, Inc., VCM, Ltd.,
    Filene&#146;s Basement, Inc., GB Retailers, Inc., J.S. Overland
    Delivery, Inc., Value City Department Stores Services, Inc.,
    Value City Limited Partnership, Value City of Michigan, Inc.,
    Westerville Road GP, Inc. and Westerville Road LP, Inc., as
    Guarantors, the Lenders from time to time party hereto, as
    Lenders, and Schottenstein Stores Corporation, as Agent.
    Incorporated by reference to Exhibit&nbsp;10.3.1 to Retail
    Ventures&#146; Form&nbsp;10-Q (file no.&nbsp;1-10767) filed
    June&nbsp;18, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amendment No.&nbsp;2 to Amended and Restated Senior Convertible
    Loan Agreement dated as of October&nbsp;7, 2003, by and among
    Value City Department Stores, Inc., Shonac Corporation, DSW Shoe
    Warehouse, Inc., Gramex Retail Stores, Inc., Filene&#146;s
    Basement, Inc., GB Retailers, Inc., Value City Limited
    Partnership, Value City of Michigan, Inc., J.S. Overland
    Delivery, Inc., Value City Department Stores Services, Inc.,
    Westerville Road GP, Inc. and Westerville Road LP, Inc., Retail
    Ventures, Inc., Retail Ventures Jewelry, Inc., Retail Ventures
    Services, Inc., and Retail Ventures Imports, Inc. (formerly
    known as VC Acquisition, Inc.) and Cerberus Partners, L.P., as
    agent for the Lenders. Incorporated by reference to
    Exhibit&nbsp;10(c) to Retail Ventures&#146; Form&nbsp;8-K (file
    No.&nbsp;001-10767) filed October&nbsp;8, 2003.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amendment No.&nbsp;3 to Amended and Restated Senior Convertible
    Loan Agreement, dated as of December&nbsp;29, 2004, by and among
    Value City Department Stores LLC, the Guarantors named therein,
    the Lenders named therein, and Cerberus Partners, L.P.
    Incorporated by reference to Exhibit&nbsp;10.3 of Retail
    Ventures&#146; form&nbsp;8-K (file&nbsp;no.&nbsp;1-10767) filed
    January&nbsp;4, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Second Amended and Restated Senior Loan Agreement by and
    among Value City Department Stores, LLC as Borrower, Retail
    Ventures, Inc., Gramex Retail Stores, Inc., Filene&#146;s
    Basement, Inc., GB Retailers, Inc., Value City of Michigan, Inc.
    J.S. Overland Delivery, Inc., Value City Department Stores
    Services, Inc. Retail Ventures Jewelry, Inc., Retail Ventures
    Services, Inc. and Retail Ventures Import, Inc., as Guarantors,
    the Lenders from time to time party thereto, and Cerberus
    Partners, L.P., as agent.*</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">II-5

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.15</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated March&nbsp;22, 2000, by and between East Fifth
    Avenue, LLC, an affiliate of Schottenstein Stores Corporation,
    as landlord, and Shonac, as tenant, re: warehouse facility and
    corporate headquarters. Incorporated by reference to
    Exhibit&nbsp;10.60 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed April&nbsp;28, 2000.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.16</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Common Stock Purchase Warrants (with respect to the
    stock of Retail Ventures) issued to Cerberus Partners, L.P. and
    Schottenstein Stores Corporation. Incorporated by reference to
    Exhibit&nbsp;10.5 to Retail Ventures&#146; Form&nbsp;10-Q (file
    no.&nbsp;1-10767) filed June&nbsp;18, 2002.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.17</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Conversion Warrant to be issued by Retail Ventures to
    Schottenstein Stores Corporation and Cerberus Partners, L.P.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.18</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Term Loan Warrant to be issued by Retail Ventures to
    Schottenstein Stores Corporation, Cerberus Partners, L.P. and
    Back Bay Capital Funding, LLC.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.19</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amended and Restated Retail Ventures, Inc. 1991 Stock Option
    Plan. Incorporated by reference to Exhibit&nbsp;4(a) to
    Amendment No.&nbsp;1 to Form&nbsp;S-8 Registration Statement
    (file no.&nbsp;333-45852) filed October&nbsp;16, 2003 by Retail
    Ventures.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.20</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Retail Ventures, Inc. Amended and Restated 2000 Stock Incentive
    Plan. Incorporated by reference to Exhibit&nbsp;4(a) to
    Amendment No.&nbsp;1 to Form&nbsp;S-8 Registration Statement
    (file no.&nbsp;333-100398) filed October&nbsp;16, 2003 by Retail
    Ventures.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.21</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Value City Department Stores, Inc.&#146;s Board of Directors
    Resolutions dated as of July&nbsp;6, 1992, adopting the terms of
    the Value City Department Stores, Inc. 1992 Officer/Key Employee
    Stock Bonus Plan. Incorporated by reference to Exhibit&nbsp;4(a)
    to Amendment No.&nbsp;1 to Form&nbsp;S-8 Registration Statement
    (file no.&nbsp;33-50198) filed October&nbsp;16, 2003 by Retail
    Ventures.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.22</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Value City Department Stores, Inc. 2003 Incentive Plan.
    Incorporated by reference to Exhibit&nbsp;10.41 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-107A) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.23</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of DSW Inc. 2005 Equity Incentive Plan.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.24</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of DSW Inc. 2005 Cash Incentive Compensation Plan.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.25</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Master Separation Agreement between Retail Ventures and
    DSW.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.26</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Shared Services Agreement between Retail Ventures and
    DSW.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.27</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Tax Separation Agreement between Retail Ventures and
    DSW.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.28</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Supply Agreement between Filene&#146;s Basement and
    DSW.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.29</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated August&nbsp;30, 2002, by and between Jubilee
    Limited Partnership, an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation, re: Troy, MI DSW store.
    Incorporated by reference to Exhibit&nbsp;10.44 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;29, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.29.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated October&nbsp;23,
    2002, between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee re: Troy, MI DSW store.
    Incorporated by reference to Exhibit&nbsp;10.29.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.30</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated October&nbsp;8, 2003, by and between Jubilee
    Limited Partnership, an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation, re: Denton, TX DSW store.
    Incorporated by reference to Exhibit&nbsp;10.46 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;29, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.30.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated December&nbsp;18,
    2003 between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee re: Denton, TX DSW store.
    Incorporated by reference to Exhibit&nbsp;10.30.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.31</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated October&nbsp;28, 2003, by and between JLP-RICHMOND
    LLC, an affiliate of Schottenstein Stores Corporation, and
    Shonac Corporation, re: Richmond, VA DSW store. Incorporated by
    reference to Exhibit&nbsp;10.47 to Retail Ventures&#146;
    Form&nbsp;10-K (file no.&nbsp;1-10767) filed April&nbsp;29, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.31.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated December&nbsp;18,
    2003 between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee re: Richmond, VA DSW store.
    Incorporated by reference to Exhibit&nbsp;10.31.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">II-6

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.32</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated May 2000, by and between Jubilee-Richmond LLC, an
    affiliate of Schottenstein Stores Corporation, and DSW Shoe
    Warehouse, Inc. (as assignee of Shonac Corporation), re: Glen
    Allen, VA DSW store. Incorporated by reference to
    Exhibit&nbsp;10.49 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.33</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated February&nbsp;28, 2001, by and between
    Jubilee-Springdale, LLC, an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation d/b/a DSW Shoe Warehouse,
    re: Springdale, OH DSW store. Incorporated by reference to
    Exhibit&nbsp;10.50 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.33.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated May&nbsp;11, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee re: Springdale, OH DSW store. Incorporated by
    reference to Exhibit&nbsp;10.50.1, to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.34</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Agreement of Lease, dated 1997, between Shoppes of Beavercreek
    Ltd., an affiliate of Schottenstein Stores Corporation, and
    Shonac corporation (assignee of Schottenstein Stores Corporation
    d/b/a Value City Furniture through Assignment of Tenant&#146;s
    Leasehold Interest and Amendment No.&nbsp;1 to Agreement of
    Lease, dated February&nbsp;28, 2001), re: Beavercreek, OH DSW
    store. Incorporated by reference to Exhibit&nbsp;10.51 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.34.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated May&nbsp;11, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee re: Beavercreek, OH DSW store. Incorporated by
    reference to Exhibit&nbsp;10.51.1 to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.35</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated February&nbsp;28, 2001, by and between
    JLP-Chesapeake, LLC, an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation, re: Chesapeake, VA DSW
    store. Incorporated by reference to Exhibit&nbsp;10.52 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.35.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated May&nbsp;11, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee re: Chesapeake, VA DSW store. Incorporated by
    reference to Exhibit&nbsp;10.52.1 to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.36</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Ground Lease Agreement, dated April&nbsp;30, 2002, by and
    between Polaris Mall, LLC, a Delaware limited liability company,
    and Schottenstein Stores Corporation-Polaris LLC, an affiliate
    of Schottenstein Stores Corporation, as modified by Sublease
    Agreement, dated April&nbsp;30, 2002, by and between
    Schottenstein Stores Corporation-Polaris LLC, as sublessor, and
    DSW Shoe Warehouse, Inc., as sublessee (assignee of Shonac
    Corporation), re: Columbus, OH (Polaris) DSW store. Incorporated
    by reference to Exhibit&nbsp;10.53 to Retail Ventures&#146;
    Form&nbsp;10-K (file no.&nbsp;1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.36.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated August&nbsp;6, 2002,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee, re: Columbus, OH (Polaris) DSW store.
    Incorporated by reference to Exhibit&nbsp;10.53.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.37</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated August&nbsp;30, 2002, by and between JLP-Cary, LLC,
    an affiliate of Schottenstein Stores Corporation, and Shonac
    Corporation, re: Cary, NC DSW store. Incorporated by reference
    to Exhibit&nbsp;10.54 to Retail Ventures&#146; Form&nbsp;10-K
    (file no. 1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.37.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated October&nbsp;23,
    2002, between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee, re: Cary, NC DSW store.
    Incorporated by reference to Exhibit&nbsp;10.54.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file No.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.38</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated August 30, 2002, by and between JLP-Madison, LLC,
    an affiliate of Schottenstein Stores Corporation, and Shonac
    Corporation, re: Madison, TN DSW store. Incorporated by
    reference to Exhibit&nbsp;10.55 to Retail Ventures&#146;
    Form&nbsp;10-K (file no. 1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.38.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated October&nbsp;23,
    2002, between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee, re: Madison, TN DSW store.
    Incorporated by reference to Exhibit 10.55.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.39</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Sublease, dated May 2000, by and between Schottenstein Stores
    Corporation, as sublessor, and Shonac Corporation d/b/a DSW Shoe
    Warehouse, Inc., as sublessee, re: Pittsburgh, PA DSW store.
    Incorporated by reference to Exhibit&nbsp;10.48 to Retail
    Ventures&#146; Form&nbsp;10-K (file&nbsp;no.&nbsp;1-10767) filed
    April&nbsp;14, 2005.</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<P align="center" style="font-size: 10pt;">II-7

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.39.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated January&nbsp;8, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc. as assignee, re: Pittsburgh, PA DSW store. Incorporated by
    reference to Exhibit&nbsp;10.48.1 to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.40</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated September&nbsp;24, 2004, by and between K&#38;S
    Maple Hill Mall, L.P., an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation, re: Kalamazoo, MI DSW
    store. Incorporated by reference to Exhibit&nbsp;10.58 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.40.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated February&nbsp;28,
    2005, between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee, re: Kalamazoo, MI DSW store.
    Incorporated by reference to Exhibit&nbsp;10.58.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.41</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated November 2004, by and between KSK Scottsdale Mall,
    L.P., an affiliate of Schottenstein Stores Corporation, and
    Shonac Corporation, re: South Bend, IN DSW store. Incorporated
    by reference to Exhibit&nbsp;10.59 to Retail Ventures&#146;
    Form&nbsp;10-K (file no.&nbsp;1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.41.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated March&nbsp;18, 2005,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee, re: South Bend, IN DSW store. Incorporated by
    reference to Exhibit&nbsp;10.59.1 to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.42</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Sublease Agreement, dated June&nbsp;12, 2000, by and between
    Jubilee Limited Partnership, an affiliate of Schottenstein
    Stores Corporation, and Shonac Corporation, re: Fairfax, VA DSW
    store.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.42.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated January&nbsp;8, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee, re: Fairfax, VA DSW store.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.43</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Indemnification Agreement between DSW&nbsp;Inc. and its
    officers and directors.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    21.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    List of Subsidiaries.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Deloitte &#38; Touche LLP.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Vorys, Sater, Seymour and Pease LLP (included in
    Exhibit&nbsp;5.1).*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee Carolee Friedlander.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee Philip B. Miller.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.5</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee James D. Robbins.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.6</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee Harvey L. Sonnenberg.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.7</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee Allan J. Tanenbaum.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    24.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Powers of Attorney.**</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>*&nbsp;</TD>
    <TD align="left">
    To be filed by amendment.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>**&nbsp;</TD>
    <TD align="left">
    Previously filed.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="4%"></TD>
    <TD width="96%"></TD>
</TR>

<TR valign="top">
    <TD><B>B.</B></TD>
    <TD>
    <B>Financial Statement Schedules</B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
See Schedule&nbsp;II&nbsp;&#151; Valuation and Qualifying
Accounts, included in the Consolidated Financial Statements in
Part&nbsp;I of this Registration Statement.
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="9%"></TD>
    <TD width="91%"></TD>
</TR>

<TR valign="top">
    <TD><B>Item&nbsp;17.</B></TD>
    <TD>
    <B><I>Undertakings</I></B></TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(1)&nbsp;Insofar as indemnification for liabilities arising
under the Securities Act of 1933 may be permitted to directors,
officers and controlling persons of the registrant pursuant to
the foregoing provisions, or otherwise, the registrant has been
advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as
expressed in the Act and is, therefore, unenforceable. In the
event that a claim for indemnification against such liabilities
(other than the payment by the registrant of expenses incurred
or paid by a director, officer or controlling person of the
registrant in the successful defense of any action, suit or
proceeding) is asserted against the registrant by such director,
officer or controlling person in connection with the securities
being registered, the registrant will, unless in the opinion of
its counsel the matter has been settled by controlling
precedent, submit to a court of appropriate jurisdiction the
question whether such indemnification by it is against public
policy as expressed in the Act and will be governed by the final
adjudication of such issue.
</DIV>

<P align="center" style="font-size: 10pt;">II-8
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(2)&nbsp;The undersigned registrant hereby undertakes that:
</DIV>

<DIV style="margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    (a)&nbsp;For purposes of determining any liability under the
    Securities Act of 1933, the information omitted from the form of
    prospectus filed as part of this registration statement in
    reliance upon Rule&nbsp;430A and contained in a form of
    prospectus filed by the registrant pursuant to
    Rule&nbsp;424(b)(1) or (4) or 497(h) under the Securities Act
    shall be deemed to be part of this registration statement as of
    the time it was declared effective.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    (b)&nbsp;For the purpose of determining any liability under the
    Securities Act of 1933, each post-effective amendment that
    contains a form of prospectus shall be deemed to be a new
    registration statement relating to the securities offered
    therein, and this offering of such securities at that time shall
    be deemed to be the initial bona fide offering thereof.</TD>
</TR>

</TABLE>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(3)&nbsp;The undersigned hereby undertakes to provide to the
underwriters at the closing specified in the underwriting
agreement, certificates in such denominations and registered in
such names as required by the underwriters to permit prompt
delivery thereof.
</DIV>

<P align="center" style="font-size: 10pt;">II-9

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>SIGNATURES</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Pursuant to the requirements of the Securities Act of 1933, the
registrant has duly caused this Registration Statement on
Form&nbsp;S-1 to be signed on its behalf by the undersigned,
thereunto duly authorized, in the City of Columbus, State of
Ohio, on June&nbsp;15, 2005.
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV style="margin-top: 24pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="40%"></TD>
    <TD width="60%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    DSW INC.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 48pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="40%"></TD>
    <TD width="4%"></TD>
    <TD width="56%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>By:&nbsp;</TD>
    <TD align="left">
    /s/ Douglas J. Probst</TD>
</TR>

</TABLE>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 3pt;">

<TR>
    <TD width="40%"></TD>
    <TD width="60%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <DIV style="border-top: 1pt solid #000000; font-size: 1pt; margin-top: 2pt" align="left">&nbsp;</DIV></TD>
</TR>

<TR valign="top"  style="font-size: 10pt;">
    <TD>&nbsp;</TD>
    <TD align="left">
    Name:&nbsp;&nbsp;Douglas J. Probst</TD>
</TR>

</TABLE>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="40%"></TD>
    <TD width="9%"></TD>
    <TD width="51%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD align="left">
    Senior Vice President, Chief Financial Officer and Treasurer</TD>
</TR>

</TABLE>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Pursuant to the requirements of the Securities Act of 1933, this
Registration Statement has been signed below by the following
persons in the capacities and on the dates indicated on
June&nbsp;15, 2005:
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="38%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="50%">&nbsp;</TD>
</TR>


<TR style="font-size: 8pt;">
    <TD colspan="3" align="center" nowrap><B>Signature</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Title</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD colspan="3" align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    *<BR>
    <DIV style="border-top: 1pt solid #000000; font-size: 1pt; margin-top: 2pt;">&nbsp;</DIV>Jay
    L. Schottenstein</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    Chairman of the Board of Directors<BR>
    and Chief Executive Officer<BR>
    (Principal Executive Officer)</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    /s/ Douglas J. Probst<BR>
    <DIV style="border-top: 1pt solid #000000; font-size: 1pt; margin-top: 2pt;">&nbsp;</DIV>Douglas
    J. Probst</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    Senior Vice President, Chief<BR>
    Financial Officer and Treasurer<BR>
    (Principal Financial Officer and Principal Accounting Officer)</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    *<BR>
    <DIV style="border-top: 1pt solid #000000; font-size: 1pt; margin-top: 2pt;">&nbsp;</DIV>Heywood
    Wilansky</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    Director</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    &nbsp;*&nbsp;<BR>
    <DIV style="border-top: 1pt solid #000000; font-size: 1pt; margin-top: 2pt;">&nbsp;</DIV>James&nbsp;A.
    McGrady</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">
    Director</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>

<TR>
    <TD align="center" valign="top">
    *By:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    /s/ Douglas J. Probst<BR>
    <DIV style="border-top: 1pt solid #000000; font-size: 1pt; margin-top: 2pt;">&nbsp;</DIV>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Douglas
    J. Probst<BR>
    Attorney-in-fact</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>
</CENTER>

<P align="center" style="font-size: 10pt;">II-10
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<B>INDEX TO EXHIBITS</B>
</DIV>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; margin-top: 12pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;1.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Underwriting Agreement.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;3.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Amended Articles of Incorporation of the registrant.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;3.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Amended and Restated Code of Regulations of the
    registrant.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;4.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Specimen Class&nbsp;A Common Shares temporary certificate.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;4.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amended and Restated Registration Rights Agreement, dated as of
    June&nbsp;11, 2002, by and among Value City Department Stores,
    Inc. and Cerberus Partners, L.P. and Schottenstein Stores
    Corporation. Incorporated by reference to Exhibit&nbsp;10.4 to
    Retail Ventures&#146; Form&nbsp;10-Q (file no.&nbsp;1-10767)
    filed June&nbsp;18, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;4.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Registration Rights Agreement, by and among DSW Inc.,
    Schottenstein Stores Corporation, Cerberus Partners, L.P.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;4.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Exchange Agreement by and between Retail Ventures, Inc.
    and DSW Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;5.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Opinion of Vorys, Sater, Seymour and Pease LLP.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    &nbsp;8.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Opinion of Skadden, Arps, Slate, Meagher &#38; Flom LLP
    regarding tax matters.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Corporate Services Agreement, dated June&nbsp;12, 2002, between
    Retail Ventures and Schottenstein Stores Corporation.
    Incorporated by reference to Exhibit&nbsp;10.6 to Retail
    Ventures&#146; Form&nbsp;10-Q (file no.&nbsp;1-10767) filed
    June&nbsp;18, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.1.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Amendment to Corporate Services Agreement, among Retail
    Ventures, Schottenstein Stores Corporation and Schottenstein
    Management Company the supplemental letter agreement among
    Schottenstein Stores Corporation, Schottenstein Management
    Company and DSW&nbsp;Inc. related thereto.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated March&nbsp;4, 2005, between
    Deborah&nbsp;L. Ferr&#233;e and DSW Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated June&nbsp;1, 2005, between Peter Z.
    Horvath and DSW Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated June&nbsp;1, 2005, between Douglas
    J. Probst and DSW Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.5</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated June&nbsp;21, 2000, between James A.
    McGrady and Retail Ventures. Incorporated by reference to
    Exhibit&nbsp;10.46 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed May&nbsp;4, 2001.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.6</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated as of April&nbsp;29, 2004, between
    Julia A. Davis and Retail Ventures. Incorporated by reference to
    Exhibit&nbsp;10.51 to Retail Ventures&#146; Form&nbsp;10-K (File
    no.&nbsp;1-10767) filed April&nbsp;29, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.7</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement dated February&nbsp;3, 2002 between John C.
    Rossler and Retail Ventures. Incorporated by reference to
    Exhibit&nbsp;10 to Retail Ventures&#146; Form&nbsp;10-Q (file
    no.&nbsp;1-10767) filed September&nbsp;12, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.8</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Employment Agreement, dated February&nbsp;3, 2002, between Edwin
    J. Kozlowski and Retail Ventures. Incorporated by reference to
    Exhibit&nbsp;10.43 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed May&nbsp;1, 2003.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.9</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Settlement Agreement, dated March 2005, between John C. Rossler
    and Retail Ventures, Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.10</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Settlement Agreement, dated March 2005, between Edwin J.
    Kozlowski and Retail Ventures, Inc.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.11</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Loan and Security Agreement, between DSW Inc. and DSW
    Shoe Warehouse, Inc., as the Borrowers, and National City
    Business Credit, Inc., as Administrative Agent and Collateral
    Agent for the Revolving Credit Lenders.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Loan and Security Agreement, dated as of June&nbsp;11, 2002,
    between Retail Ventures, as Borrowers, and National City
    Business Credit Finance, Inc., as Administrative Agent for the
    ratable benefit of the Revolving Credit Lenders. Incorporated by
    reference to Exhibit&nbsp;10.1 to Retail Ventures&#146;
    Form&nbsp;10-Q (file&nbsp;no.&nbsp;1-10767) filed June&nbsp;18,
    2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    First Amendment to Loan and Security Agreement, dated as of
    October&nbsp;7, 2003, between Value City Department Stores,
    Inc., as Agent for the Borrowers, and National City Business
    Credit Finance, Inc., as Administrative Agent for the ratable
    benefit of the Revolving Credit Lenders. Incorporated by
    reference to Exhibit&nbsp;10(a) to Retail Ventures&#146;
    Form&nbsp;8-K (file No.&nbsp;1-10767) filed October&nbsp;8, 2003.</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Second Amendment to Loan and Security Agreement, dated as of
    July&nbsp;29, 2004, between Value City Department Stores, Inc.
    as Agent for the Borrowers, and National City Business Credit
    Finance, Inc. as Administrative Agent for the ratable benefit of
    the Revolving Credit Lenders. Incorporated by reference to
    Exhibit&nbsp;10.1 to Retail Ventures&#146; Form&nbsp;10-Q (file
    No.&nbsp;1-10767) filed September&nbsp;8, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Joinder and Third Amendment to Loan and Security Agreement,
    dated December&nbsp;29, 2004, between Value City Department
    Stores LLC as Lead Borrower, and National City Business Credit
    Finance, Inc. as Administrative Agent for the ratable benefit of
    the Revolving Credit Lenders. Incorporated by reference to
    Exhibit&nbsp;10.1 of Retail Ventures&#146; Form&nbsp;8-K (file
    no.&nbsp;1-10767) filed January&nbsp;4, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Fourth Amendment to Loan and Security Agreement dated
    March&nbsp;10, 2005 between Value City Department Stores LLC as
    Lead Borrower, and National City Business Credit Finance, Inc.
    as Administrative Agent for the ratable benefit of the Revolving
    Credit Lenders. Incorporated by reference to Exhibit&nbsp;10.1
    of Retail Ventures&#146; Form&nbsp;8-K (file no.&nbsp;1-10767)
    filed March&nbsp;15, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.12.5</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Amended and Restated Loan and Security Agreement, by and
    between Value City Department Stores LLC, as Lead Borrower,
    Gramex Retail Stores, Inc., Filene&#146;s Basement, Inc., Value
    City of Michigan, Inc., GB Retailers, Inc., Retail Ventures
    Jewelry, Inc., as Borrowers, and National City Business Credit,
    Inc., as Administrative Agent and Collateral Agent for the
    Revolving Credit Lenders referenced therein.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Financing Agreement, dated as of June&nbsp;11, 2002, by and
    among Value City Department Stores, Inc., Shonac Corporation,
    DSW&nbsp;Shoe Warehouse Inc., Gramex Retail Stores, Inc.,
    Filene&#146;s Basement, Inc., Value City Limited Partnership,
    Value City of Michigan, Inc., GB&nbsp;Retailers, Inc., and
    VCM&nbsp;Ltd., as Borrowers and Cerberus Partners, L.P. and the
    Lenders from time to time party thereto. Incorporated by
    reference to Exhibit&nbsp;10.2 to Retail Ventures&#146;
    Form&nbsp;10-Q (file no.&nbsp;1-10767) filed June&nbsp;18, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    First Amendment to the Financing Agreement, dated as of
    October&nbsp;7, 2003, by and among Value City Department Stores,
    Inc., Shonac Corporation, DSW Shoe Warehouse, Inc., Gramex
    Retail Stores, Inc., Filene&#146;s Basement, Inc., GB Retailers,
    Inc., Value City Limited Partnership, Value City of Michigan,
    Inc., J.S. Overland Delivery, Inc., Value City Department Stores
    Services, Inc., Westerville Road GP, Inc. and Westerville Road
    LP, Inc., Retail Ventures, Inc., Retail Ventures Jewelry, Inc.,
    Retail Ventures Services, Inc., and Retail Ventures Imports,
    Inc. (formerly known as VC Acquisition, Inc.) and Cerberus
    Partners, L.P., as agent for the Lenders. Incorporated by
    reference to Exhibit&nbsp;10(b) to Retail Ventures&#146;
    Form&nbsp;8-K (file No.&nbsp;1-10767) filed October&nbsp;8, 2003.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Second Amendment to Financing Agreement, dated July&nbsp;29,
    2004, by and among the Borrowers named therein, the Guarantors
    named therein, the Lenders named therein, and Cerberus Partners,
    L.P. Incorporated by reference to Exhibit&nbsp;10.2 to Retail
    Ventures&#146; Form&nbsp;10-Q (file No.&nbsp;1-10767) filed
    September&nbsp;8, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Third Amendment to Financing Agreement, dated as of
    December&nbsp;29, 2004, by and among the Borrowers named
    therein, the Guarantors named therein, the Lenders named
    therein, and Cerberus Partners, L.P. Incorporated by reference
    to Exhibit&nbsp;10.2 of Retail Ventures&#146; Form&nbsp;8-K
    (file no.&nbsp;1-10767) filed January&nbsp;4, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.13.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Fourth Amendment to Financing Agreement, by and among
    the Borrowers named therein, the Guarantors named therein, the
    Lenders named therein, and Cerberus Partners, L.P.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amended and Restated Senior Convertible Loan Agreement, dated as
    of June&nbsp;11, 2002 by and among Value City Department Stores,
    Inc., as Borrower, Shonac Corporation, DSW Shoe Warehouse, Inc.,
    Gramex Retail Stores, Inc., VCM, Ltd., Filene&#146;s Basement,
    Inc., GB Retailers, Inc., J.S. Overland Delivery, Inc., Value
    City Department Stores Services, Inc., Value City Limited
    Partnership, Value City of Michigan, Inc., Westerville Road GP,
    Inc. and Westerville Road LP, Inc., as guarantors, the Lenders
    from time to time party hereto, as Lenders, and Schottenstein
    Stores Corporation, as Agent. Incorporated by reference to
    Exhibit&nbsp;10.3 to Retail Ventures&#146; Form&nbsp;10-Q (file
    no.&nbsp;1-10767) filed June&nbsp;18, 2002.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amendment No.&nbsp;1 to Amended and Restated Senior Convertible
    Loan Agreement, dated June&nbsp;11, 2002 by and among Value City
    Department Stores, Inc., as Borrower, Shonac Corporation, DSW
    Shoe Warehouse, Inc., Gramex Retail Stores, Inc., VCM, Ltd.,
    Filene&#146;s Basement, Inc., GB Retailers, Inc., J.S. Overland
    Delivery, Inc., Value City Department Stores Services, Inc.,
    Value City Limited Partnership, Value City of Michigan, Inc.,
    Westerville Road GP, Inc. and Westerville Road LP, Inc., as
    Guarantors, the Lenders from time to time party hereto, as
    Lenders, and Schottenstein Stores Corporation, as Agent.
    Incorporated by reference to Exhibit&nbsp;10.3.1 to Retail
    Ventures&#146; Form&nbsp;10-Q (file no.&nbsp;1-10767) filed
    June&nbsp;18, 2002.</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amendment No.&nbsp;2 to Amended and Restated Senior Convertible
    Loan Agreement dated as of October&nbsp;7, 2003, by and among
    Value City Department Stores, Inc., Shonac Corporation, DSW Shoe
    Warehouse, Inc., Gramex Retail Stores, Inc., Filene&#146;s
    Basement, Inc., GB Retailers, Inc., Value City Limited
    Partnership, Value City of Michigan, Inc., J.S. Overland
    Delivery, Inc., Value City Department Stores Services, Inc.,
    Westerville Road GP, Inc. and Westerville Road LP, Inc., Retail
    Ventures, Inc., Retail Ventures Jewelry, Inc., Retail Ventures
    Services, Inc., and Retail Ventures Imports, Inc. (formerly
    known as VC Acquisition, Inc.) and Cerberus Partners, L.P., as
    agent for the Lenders. Incorporated by reference to
    Exhibit&nbsp;10(c) to Retail Ventures&#146; Form&nbsp;8-K (file
    No.&nbsp;001-10767) filed October&nbsp;8, 2003.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amendment No.&nbsp;3 to Amended and Restated Senior Convertible
    Loan Agreement, dated as of December&nbsp;29, 2004, by and among
    Value City Department Stores LLC, the Guarantors named therein,
    the Lenders named therein, and Cerberus Partners, L.P.
    Incorporated by reference to Exhibit&nbsp;10.3 of Retail
    Ventures&#146; form&nbsp;8-K (file&nbsp;no.&nbsp;1-10767) filed
    January&nbsp;4, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.14.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Second Amended and Restated Senior Loan Agreement by and
    among Value City Department Stores, LLC as Borrower, Retail
    Ventures, Inc., Gramex Retail Stores, Inc., Filene&#146;s
    Basement, Inc., GB Retailers, Inc., Value City of Michigan, Inc.
    J.S. Overland Delivery, Inc., Value City Department Stores
    Services, Inc. Retail Ventures Jewelry, Inc., Retail Ventures
    Services, Inc. and Retail Ventures Import, Inc., as Guarantors,
    the lenders from time to time party thereto, and Cerberus
    Partners, L.P., as agent.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.15</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated March&nbsp;22, 2000, by and between East Fifth
    Avenue, LLC, an affiliate of Schottenstein Stores Corporation,
    as landlord, and Shonac, as tenant, re: warehouse facility and
    corporate headquarters. Incorporated by reference to
    Exhibit&nbsp;10.60 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed April&nbsp;28, 2000.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.16</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Common Stock Purchase Warrants (with respect to the
    stock of Retail Ventures) issued to Cerberus Partners, L.P. and
    Schottenstein Stores Corporation. Incorporated by reference to
    Exhibit&nbsp;10.5 to Retail Ventures&#146; Form&nbsp;10-Q (file
    no.&nbsp;1-10767) filed June&nbsp;18, 2002.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.17</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Conversion Warrant to be issued by Retail Ventures to
    Schottenstein Stores Corporation and Cerberus Partners, L.P.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.18</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Term Loan Warrant to be issued by Retail Ventures to
    Schottenstein Stores Corporation, Cerberus Partners, L.P. and
    Back Bay Capital Funding, LLC.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.19</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Amended and Restated Retail Ventures, Inc. 1991 Stock Option
    Plan. Incorporated by reference to Exhibit&nbsp;4(a) to
    Amendment No.&nbsp;1 to Form&nbsp;S-8 Registration Statement
    (file no.&nbsp;333-45852) filed October&nbsp;16, 2003 by Retail
    Ventures.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.20</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Retail Ventures, Inc. Amended and Restated 2000 Stock Incentive
    Plan. Incorporated by reference to Exhibit&nbsp;4(a) to
    Amendment No.&nbsp;1 to Form&nbsp;S-8 Registration Statement
    (file no.&nbsp;333-100398) filed October&nbsp;16, 2003 by Retail
    Ventures.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.21</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Value City Department Stores, Inc.&#146;s Board of Directors
    Resolutions dated as of July&nbsp;6, 1992, adopting the terms of
    the Value City Department Stores, Inc. 1992 Officer/Key Employee
    Stock Bonus Plan. Incorporated by reference to Exhibit&nbsp;4(a)
    to Amendment No.&nbsp;1 to Form&nbsp;S-8 Registration Statement
    (file no.&nbsp;33-50198) filed October&nbsp;16, 2003 by Retail
    Ventures.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.22</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Value City Department Stores, Inc. 2003 Incentive Plan.
    Incorporated by reference to Exhibit&nbsp;10.41 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-107A) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.23</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of DSW Inc. 2005 Equity Incentive Plan.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.24</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of DSW Inc. 2005 Cash Incentive Compensation Plan.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.25</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Master Separation Agreement between Retail Ventures and
    DSW.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.26</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Shared Services Agreement between Retail Ventures and
    DSW.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.27</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Tax Separation Agreement between Retail Ventures and
    DSW.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.28</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Supply Agreement between Filene&#146;s Basement and
    DSW.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.29</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated August&nbsp;30, 2002, by and between Jubilee
    Limited Partnership, an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation, re: Troy, MI DSW store.
    Incorporated by reference to Exhibit&nbsp;10.44 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;29, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.29.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated October&nbsp;23,
    2002, between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee re: Troy, MI DSW store.
    Incorporated by reference to Exhibit&nbsp;10.29.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.30</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated October&nbsp;8, 2003, by and between Jubilee
    Limited Partnership, an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation, re: Denton, TX DSW store.
    Incorporated by reference to Exhibit&nbsp;10.46 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;29, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.30.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated December&nbsp;18,
    2003 between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee re: Denton, TX DSW store.
    Incorporated by reference to Exhibit&nbsp;10.30.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.31</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated October&nbsp;28, 2003, by and between JLP-RICHMOND
    LLC, an affiliate of Schottenstein Stores Corporation, and
    Shonac Corporation, re: Richmond, VA DSW store. Incorporated by
    reference to Exhibit&nbsp;10.47 to Retail Ventures&#146;
    Form&nbsp;10-K (file no.&nbsp;1-10767) filed April&nbsp;29, 2004.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.31.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated December&nbsp;18,
    2003 between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee re: Richmond, VA DSW store.
    Incorporated by reference to Exhibit&nbsp;10.31.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.32</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated May 2000, by and between Jubilee-Richmond LLC, an
    affiliate of Schottenstein Stores Corporation, and DSW Shoe
    Warehouse, Inc. (as assignee of Shonac Corporation), re: Glen
    Allen, VA DSW store. Incorporated by reference to
    Exhibit&nbsp;10.49 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.33</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated February&nbsp;28, 2001, by and between
    Jubilee-Springdale, LLC, an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation d/b/a DSW Shoe Warehouse,
    re: Springdale, OH DSW store. Incorporated by reference to
    Exhibit&nbsp;10.50 to Retail Ventures&#146; Form&nbsp;10-K (file
    no.&nbsp;1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.33.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated May&nbsp;11, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee re: Springdale, OH DSW store. Incorporated by
    reference to Exhibit&nbsp;10.50.1, to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.34</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Agreement of Lease, dated 1997, between Shoppes of Beavercreek
    Ltd., an affiliate of Schottenstein Stores Corporation, and
    Shonac corporation (assignee of Schottenstein Stores Corporation
    d/b/a Value City Furniture through Assignment of Tenant&#146;s
    Leasehold Interest and Amendment No.&nbsp;1 to Agreement of
    Lease, dated February&nbsp;28, 2001), re: Beavercreek, OH DSW
    store. Incorporated by reference to Exhibit&nbsp;10.51 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.34.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated May&nbsp;11, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee re: Beavercreek, OH DSW store. Incorporated by
    reference to Exhibit&nbsp;10.51.1 to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.35</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated February&nbsp;28, 2001, by and between
    JLP-Chesapeake, LLC, an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation, re: Chesapeake, VA DSW
    store. Incorporated by reference to Exhibit&nbsp;10.52 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.35.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated May&nbsp;11, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee re: Chesapeake, VA DSW store. Incorporated by
    reference to Exhibit&nbsp;10.52.1 to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.36</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Ground Lease Agreement, dated April&nbsp;30, 2002, by and
    between Polaris Mall, LLC, a Delaware limited liability company,
    and Schottenstein Stores Corporation-Polaris LLC, an affiliate
    of Schottenstein Stores Corporation, as modified by Sublease
    Agreement, dated April&nbsp;30, 2002, by and between
    Schottenstein Stores Corporation-Polaris LLC, as sublessor, and
    DSW Shoe Warehouse, Inc., as sublessee (assignee of Shonac
    Corporation), re: Columbus, OH (Polaris) DSW store. Incorporated
    by reference to Exhibit&nbsp;10.53 to Retail Ventures&#146;
    Form&nbsp;10-K (file no.&nbsp;1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.36.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated August&nbsp;6, 2002,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee, re: Columbus, OH (Polaris) DSW store.
    Incorporated by reference to Exhibit&nbsp;10.53.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.37</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated August&nbsp;30, 2002, by and between JLP-Cary, LLC,
    an affiliate of Schottenstein Stores Corporation, and Shonac
    Corporation, re: Cary, NC DSW store. Incorporated by reference
    to Exhibit&nbsp;10.54 to Retail Ventures&#146; Form&nbsp;10-K
    (file no. 1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.37.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated October&nbsp;23,
    2002, between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee, re: Cary, NC DSW store.
    Incorporated by reference to Exhibit&nbsp;10.54.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file No.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#tocpage">Table of Contents</A></H5><P>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="font-size: 10pt; ">

<TR style="font-size: 1pt;">
    <TD width="20%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR style="font-size: 8pt;">
    <TD align="center" nowrap><B>No.</B></TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap><B>Description</B></TD>
</TR>

<TR valign="bottom" style="font-size: 1px">
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" nowrap style="border-top: 1pt solid #000000;">&nbsp;</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.38</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated August 30, 2002, by and between JLP-Madison, LLC,
    an affiliate of Schottenstein Stores Corporation, and Shonac
    Corporation, re: Madison, TN DSW store. Incorporated by
    reference to Exhibit&nbsp;10.55 to Retail Ventures&#146;
    Form&nbsp;10-K (file no. 1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.38.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated October&nbsp;23,
    2002, between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee, re: Madison, TN DSW store.
    Incorporated by reference to Exhibit 10.55.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.39</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Sublease, dated May 2000, by and between Schottenstein Stores
    Corporation, as sublessor, and Shonac Corporation d/b/a DSW Shoe
    Warehouse, Inc., as sublessee, re: Pittsburgh, PA DSW store.
    Incorporated by reference to Exhibit&nbsp;10.48 to Retail
    Ventures&#146; Form&nbsp;10-K (file&nbsp;no.&nbsp;1-10767) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.39.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated January&nbsp;8, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc. as assignee, re: Pittsburgh, PA DSW store. Incorporated by
    reference to Exhibit&nbsp;10.48.1 to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.40</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated September&nbsp;24, 2004, by and between K&#38;S
    Maple Hill Mall, L.P., an affiliate of Schottenstein Stores
    Corporation, and Shonac Corporation, re: Kalamazoo, MI DSW
    store. Incorporated by reference to Exhibit&nbsp;10.58 to Retail
    Ventures&#146; Form&nbsp;10-K (file no.&nbsp;1-10767) filed
    April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.40.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated February&nbsp;28,
    2005, between Shonac Corporation, as assignor, and DSW Shoe
    Warehouse, Inc., as assignee, re: Kalamazoo, MI DSW store.
    Incorporated by reference to Exhibit&nbsp;10.58.1 to Retail
    Ventures&#146; Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed
    May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.41</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Lease, dated November 2004, by and between KSK Scottsdale Mall,
    L.P., an affiliate of Schottenstein Stores Corporation, and
    Shonac Corporation, re: South Bend, IN DSW store. Incorporated
    by reference to Exhibit&nbsp;10.59 to Retail Ventures&#146;
    Form&nbsp;10-K (file no.&nbsp;1-10767) filed April&nbsp;14, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.41.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated March&nbsp;18, 2005,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee, re: South Bend, IN DSW store. Incorporated by
    reference to Exhibit&nbsp;10.59.1 to Retail Ventures&#146;
    Form&nbsp;10-K/A (file no.&nbsp;1-10767) filed May&nbsp;12, 2005.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.42</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Sublease Agreement, dated June&nbsp;12, 2000, by and between
    Jubilee Limited Partnership, an affiliate of Schottenstein
    Stores Corporation, and Shonac Corporation, re: Fairfax, VA DSW
    store.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.42.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Assignment and Assumption Agreement, dated January&nbsp;8, 2001,
    between Shonac Corporation, as assignor, and DSW Shoe Warehouse,
    Inc., as assignee, re: Fairfax, VA DSW store.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    10.43</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Form of Indemnification Agreement between DSW&nbsp;Inc. and its
    officers and directors.*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    21.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    List of Subsidiaries.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Deloitte &#38; Touche LLP.</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.2</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Vorys, Sater, Seymour and Pease LLP (included in
    Exhibit&nbsp;5.1).*</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.3</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee Carolee Friedlander.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.4</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee Philip B. Miller.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.5</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee James D. Robbins.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.6</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee Harvey L. Sonnenberg.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    23.7</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Consent of Director Nominee Allan J. Tanenbaum.**</TD>
</TR>

<TR>
    <TD align="left" valign="top">
    <DIV style="margin-left: 10px; text-indent: -10px">
    24.1</DIV>
    </TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
    Powers of Attorney.**</TD>
</TR>

</TABLE>
</CENTER>

<DIV align="left"><FONT size="1">

</FONT></DIV>

<DIV align="left" style="font-size: 3pt; margin-top: 6pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;">
<DIV style="width: 18%; border-top: 1.0pt solid black; font-size: 1pt">&nbsp;</DIV>
</DIV>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="2%"></TD>
    <TD width="98%"></TD>
</TR>

<TR valign="top">
    <TD>*&nbsp;</TD>
    <TD align="left">
    To be filed by amendment.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 3pt; margin-left: 0; margin-right: 0; margin-bottom: 0; color: #000000; background: #ffffff;"></DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt;">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>**&nbsp;</TD>
    <TD align="left">
    Previously filed.</TD>
</TR>

</TABLE>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.1
<SEQUENCE>2
<FILENAME>x06593a3exv8w1.txt
<DESCRIPTION>EX-8.1: OPINION OF SKADDEN, ARPS, SLATE, MEAGHER & FLOM LLP
<TEXT>
<PAGE>

                                                              , 2005


DSW Inc.
4150 East 5th Avenue
Columbus, Ohio  43219

            RE:   DSW Inc.
                  Registration Statement on Form S-1
                  (File No. 333-123289)

Ladies and Gentlemen:

            We have acted as special tax counsel to DSW Inc., an Ohio
corporation (the "Company"), in connection with the initial public offering by
the Company of up to    shares (including    shares subject to an over-allotment
option) of the Company's class A common shares, without par value (the "Common
Stock") pursuant to the Registration Statement (as defined below). Capitalized
terms used and not otherwise defined herein shall have the respective meanings
set forth in the Registration Statement (as defined below).

            This opinion is being furnished in accordance with the requirements
of Item 601(b)(8) of Regulation S-K under the Securities Act of 1933, as amended
(the "Act").

            In connection with this opinion, we have examined and relied on
originals or copies, certified or otherwise identified to our satisfaction, of
(i) the registration statement on Form S-1 (File No. 333-123289) as filed with
the Securities and Exchange Commission (the "Commission") under the Act on March
14, 2005 and as amended on May 9, 2005, May 27, 2005, June 7, 2005, and, 2005
(the "Registration Statement"); (ii) the Underwriting Agreement (the
"Underwriting Agreement") entered into by and among the Company, as issuer, and
Lehman Brothers Inc., as authorized representative of the several underwriters
named therein, filed as an exhibit to the Registration Statement; and (iii) such
other documents and

<PAGE>
DSW Inc.
        , 2005
Page 2

records as we have deemed necessary or appropriate as a basis for the opinion
set forth herein. Our opinion is conditioned on, among other things, the initial
and continuing accuracy of the facts, information, and analyses set forth in
such documents and records.

            In addition, we have relied upon statements and representations of
the officers and other representatives of the Company and others, and we have
assumed that such statements and representations are and will continue to be
correct without regard to any qualification as to knowledge or belief.

            For purposes of our opinion, we have assumed the legal capacity of
all natural persons, the genuineness of all signatures, the authenticity of all
documents submitted to us as originals, the conformity to original documents of
all documents submitted to us as facsimile, electronic, certified, conformed, or
photostatic copies, and the authenticity of the originals of such latter
documents. In making our examination of documents executed, or to be executed,
we have assumed that such parties had, or will have, the power, corporate or
other, to enter into and perform all obligations thereunder, and we have also
assumed the due authorization by all requisite action, corporate or other, and
execution and delivery by such parties of such documents and that such documents
constitute, or will constitute, valid and binding obligations of such parties.

            Our opinion is based on the Internal Revenue Code of 1986, as
amended, Treasury Department regulations promulgated thereunder, judicial
decisions, published positions of the Internal Revenue Service, and such other
authorities as we have considered relevant, all as in effect as of the date of
this opinion and all of which are subject to differing interpretations or change
at any time (possibly with retroactive effect). A change in the authorities or
the truth, accuracy, or completeness of any of the facts, information,
documents, corporate records, covenants, statements, representations, or
assumptions upon which our opinion is based could affect the conclusions
expressed herein. There can be no assurance, moreover, that our opinion
expressed herein will be accepted by the Internal Revenue Service or, if
challenged, by a court.

            Based upon and subject to the foregoing, we are of the opinion that
under current United States federal tax law, although the discussion set forth
in the Registration Statement under the caption "Material U.S. federal income
and estate tax consequences" does not purport to summarize all possible United
States federal tax consequences of the ownership and disposition of Common Stock
by non-United States holders, such discussion constitutes, in all material
respects, a fair and accurate summary of the United States federal tax
consequences that are anticipated

<PAGE>

DSW Inc.
        , 2005
Page 3

to be material to non-United States holders who purchase Common Stock pursuant
to the Registration Statement.

            Except as set forth above, we express no other opinion. This opinion
is furnished to you solely for your benefit in connection with Registration
Statement and is not to be relied upon by anyone else without our prior written
consent. This opinion is expressed as of the date hereof, and we are under no
obligation to supplement or revise our opinion to reflect any legal developments
or factual matters arising subsequent to the date hereof or the impact of any
information, document, certificate, record, statement, representation, covenant,
or assumption relied upon herein that becomes incorrect or untrue.

            We hereby consent to the filing of this opinion with the Commission
as an exhibit to the Registration Statement. In giving this consent, we do not
thereby admit that we are included in the category of persons whose consent is
required under Section 7 of the Act or the rules and regulations of the
Commission.

                                        Very truly yours,

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1.1
<SEQUENCE>3
<FILENAME>x06593a3exv10w1w1.txt
<DESCRIPTION>EX-10.1.1: FORM OF AMENDMENT TO CORPORATE SERVICES AGREEMENT
<TEXT>
<PAGE>
                                                                  EXHIBIT 10.1.1

                   AMENDMENT TO CORPORATE SERVICES AGREEMENT


      The Corporate Services Agreement dated the 11th day of June 2002 (the
"Agreement") by and between Value City Department Stores, Inc. and its wholly
owned subsidiaries ("VCDS") and Schottenstein Stores Corporation ("SSC") is
amended as follows:

      1. Name Change. Except as otherwise specifically noted, the reference to
Value City Department Stores, Inc. and its wholly owned subsidiaries, throughout
the Agreement, is changed to Retail Ventures, Inc. and its subsidiaries ("RVI")

      2. Section 3. Legal Advice and Legal Services. Effective January 31, 2004,
SSC ceased billing RVI for services provided by SSC's in-house legal staff to
RVI. On a going forward basis, the parties may mutually agree to engage the
in-house legal staff of SSC for consultation and advice for the performance of
legal services at rates agreed upon by the parties.

      3. Section 5. Insurance and Risk Management. Effective June 29, 2003, RVI
took over all risk management and the insurance administration for RVI,
including, but not limited to, property and safety management. SSC continued to
administer prior general liability claims and workers' compensation claims under
policies for which SSC was the Guarantor until the administration of these prior
claims were transferred to RVI by July, 2004.

      4. Section 6. Store Planning, Design and Construction. Effective ___,
200_, SSC Store Planning, Design and Construction ceased performing services to
RVI

      5. Section 7. Import Agency Services. Effective the 3rd day of August,
2003, SSC ceased providing import services to RVI.

      6. Section 9. Travel. Effective January 31, 2004, SSC ceased operating a
travel department for its subsidiaries, including RVI.

      7. Section 11. Offset. Effective as of June 11, 2002, this Section is
restated to read as follows:

            SSC shall have the right to offset any amounts owed to SSC by
            RVI against any payments owed to RVI by SSC.

      8. Section 15. Indemnity. Effective as of June 11, 2002, this Section is
restated to read as follows:

            Except for SSC's or Schottenstein Management Company's (SMC's) gross
            negligence, willful misconduct or fraud in the performance of its
            duties, SSC or SMC shall not be liable for any losses or damages,
            including special, incidental or consequential damages incurred by
            RVI from any claim or dispute arising out of or related to or in
            connection with any services performed by SSC or SMC under this
            Agreement. RVI agrees to hold SSC and SMC harmless from such claim
            or dispute and to indemnify and defend SSC and SMC for all losses
            and damages including reasonable costs, expenses, charges and legal
            fees, if any, which SSC or SMC may incur as a result of any such
            dispute or claim.

            Except for RVI's gross negligence, willful misconduct or breach of
            its obligations in the performance of its duties, RVI shall not be
            liable for any losses or damages, including special, incidental or
            consequential damages incurred by SSC or SMC from any claim or
            dispute arising out of or related to or in connection with any
            services performed by RVI under this Agreement. SSC and SMC agree to
            hold RVI harmless for such claim or dispute and to indemnify and
            defend RVI for all losses and damages including reasonable costs,
            expenses, charges and legal fees, if any, which RVI may incur as a
            result of any such dispute or claim.

      9. Additional Services. Effective February 1, 2005, the parties agree
that, should additional services be desired, they will negotiate in good faith
with each other the nature of those services and the payment to be made
therefore, provided that before any additional services may be provided to RVI
by SSC, the terms thereof must be approved


<PAGE>

in advance by the Audit Committee of the Board of Directors of RVI, or if
applicable the Audit Committee of the Board of Directors of DSW Inc.

      10. Continuance of Liability Under the Agreement. The parties are
executing this amendment for the purpose of reflecting the changed
responsibilities for the furnishing of the referenced services and not to change
the responsibilities which may accrue or may have accrued under the Agreement
regardless of the effective date of this amendment.

      11. Effective Date. This amendment to the Agreement shall be effective the
first day of February, 2005. All terms of the Agreement shall remain in full
force and effect, except as amended, modified or restated by this amendment.

      IN WITNESS WHEREOF, the parties have caused this amendment to the
Agreement to be signed by their respective officers, thereunto duly authorized,
as of the date first above written.

                              SCHOTTENSTEIN STORES CORPORATION

                              By: ____________________________________


                              RETAIL VENTURES, INC.

                              By: _____________________________________


                              SCHOTTENSTEIN MANAGEMENT COMPANY

                              By: _____________________________________
<PAGE>


Schottenstein Stores Corporation
1800 Moler Road
Columbus, Ohio 43207

Ladies and Gentlemen:

                  Reference is hereby made to that certain Shared Services
Agreement effective as of January 31, 2005 (the "Shared Services Agreement"), by
and between Retail Ventures, Inc., an Ohio corporation, and DSW Inc., an Ohio
corporation, and that certain Corporate Services Agreement dated June 11, 2002,
by and between RVI and its subsidiaries ("RVI") and Schottenstein Stores
Corporation, a Delaware corporation ("SSC"), as amended (the "Corporate Services
Agreement"). We understand that, pursuant to the Corporate Services Agreement,
SSC or Schottenstein Management Company ("SMC") may provide certain services for
DSW and its subsidiaries (collectively, "DSW") (such services so provided being
referred to herein as the "DSW Services").

                  To induce SSC and SMC to provide the DSW Services, DSW agrees
that if RVI fails to pay SSC or SMC for any amounts due for the DSW Services
when due and payable under the Corporate Services Agreement, including
liabilities incurred on behalf of DSW through RVI's past participation in the
SSC self-insurance program, DSW will pay to SSC or SMC all such due and unpaid
amounts upon written demand for payment of the same by SSC or SMC to DSW at its
address set forth in the signature block of this letter (or to such other
address as DSW may specify in writing to SSC and SMC).

                  Notwithstanding the foregoing, DSW reserves to itself all
defenses that RVI is or may be entitled to that arise out of the Corporate
Services Agreement, with respect to the DSW Services only, except for any of
such defenses that are based upon the insolvency, bankruptcy, or reorganization
of RVI. By executing a copy of this letter agreement below, SSC, SMC, RVI and
DSW agree that, with respect to the DSW Services only, (i) DSW shall be entitled
to exercise against SSC and SMC all rights of RVI against SSC and SMC under the
Corporate Services Agreement, including but not limited to all rights of
indemnification and (ii) SSC and SMC shall be entitled to exercise against DSW
all rights of SSC and SMC against RVI under the Corporate Services Agreement,
including but not limited to all rights of indemnification and any defenses. To
be clear, this reservation of indemnification rights relates only to DSW
Services, and not to any services provided directly by RVI to DSW. This letter
agreement shall be governed by and construed in accordance with the laws of the
State of Ohio, applicable to agreements made and performed entirely in such
state.

                                           DSW INC.

                                           By:_____________________________
                                              Name:
                                              Title:
                                              Address:  4150 East 5th Avenue
                                                        Columbus, OH 43219


ACKNOWLEDGED AND AGREED TO:               ACKNOWLEDGED AND AGREED TO:

SCHOTTENSTEIN STORES CORPORATION          RETAIL VENTURES, INC.

By:___________________________            By:______________________________
   Name:                                     Name:
   Title:                                    Title:



ACKNOWLEDGED AND AGREED TO:

SCHOTTENSTEIN MANAGEMENT COMPANY

By:___________________________
   Name:
   Title:
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.11
<SEQUENCE>4
<FILENAME>x06593a3exv10w11.txt
<DESCRIPTION>EX-10.11: FORM OF LOAN AND SECURITY AGREEMENT
<TEXT>
<PAGE>

                                                                   Exhibit 10.11

                           LOAN AND SECURITY AGREEMENT
                                    DSW INC.
                                THE LEAD BORROWER

                                      FOR:
                                    DSW INC.
                            DSW SHOE WAREHOUSE, INC.

                                  THE BORROWERS

                       NATIONAL CITY BUSINESS CREDIT, INC.
                  ADMINISTRATIVE AGENT AND COLLATERAL AGENT FOR
                 THE REVOLVING CREDIT LENDERS REFERENCED HEREIN

                               NATIONAL CITY BANK
                           AS LETTER OF CREDIT ISSUER

                               NATIONAL CITY BANK
                                AS LEAD ARRANGER
<PAGE>
                                TABLE OF CONTENTS


LOAN AND SECURITY AGREEMENT..................................................i


Article 1 - Definitions......................................................1


Article 2 - The Revolving Credit:...........................................39

  2.1.   Establishment of  Revolving Credit.................................39
  2.2.   Advances in Excess of Borrowing Base (OverLoans)...................40
  2.3.   Risks of Value of Collateral.......................................40
  2.4.   Commitment to Make Revolving Credit Loans and Support Letters of
         Credit.............................................................41
  2.5.   Revolving Credit Loan Requests.....................................41
  2.6.   Suspension of Revolving Credit.....................................43
  2.7.   Making of Revolving Credit Loans...................................43
  2.8.   SwingLine Loans....................................................44
  2.9.   The Loan Account...................................................45
  2.10.  The Revolving Credit Notes.........................................46
  2.11.  Payment of The Loan Account........................................46
  2.12.  Interest on Revolving Credit Loans.................................47
  2.13.  Underwriting Fee; Collateral Monitoring Fee........................48
  2.14.  Unused Line Fee....................................................48
  2.15.  Concerning Fees....................................................49
  2.16.  Agent's and Revolving Credit Lenders' Discretion...................49
  2.17.  Procedures For Issuance of L/Cs and Banker's Acceptances...........49
  2.18.  Fees For L/Cs and Banker's Acceptances.............................51
  2.19.  Concerning L/C's and Banker's Acceptances..........................53
  2.20.  Changed Circumstances..............................................54
  2.21.  Designation of Lead Borrower as Borrowers' Agent...................55
  2.22.  Revolving Credit Lenders' Commitments..............................56
  2.23.  Payments...........................................................57

Article 3 - Conditions Precedent:...........................................58

  3.1.   Corporate Due Diligence............................................58
  3.2.   Opinions...........................................................58
  3.3.   Additional Documents...............................................58
  3.4.   Officers' Certificates.............................................58
  3.5.   Representations and Warranties.....................................58
  3.6.   Minimum Day One Availability.......................................58
  3.7.   Senior Non-convertible facility....................................59
  3.8.   Shonac Initial public offering.....................................59
  3.9.   Repayment of Existing Indebtedness.................................59
  3.10.  Consents...........................................................59
  3.11.  Appraisals and Commercial Finance Examinations.....................59


                                       ii
<PAGE>
  3.12.  Financial Information..............................................59
  3.13.  Material Agreements................................................59
  3.14.  Litigation.........................................................60
  3.15.  Perfection of Encumbrances.........................................60
  3.16.  All Fees and Expenses Paid.........................................60
  3.17.  Cash Management....................................................60
  3.18.  Insurance..........................................................60
  3.19.  Separation and Service Agreements..................................61
  3.20.  No Loan Party in Default...........................................61
  3.21.  No Adverse Change..................................................61
  3.22.  Certain Changes....................................................61
  3.23.  Benefit of Conditions Precedent....................................61

Article 4 - General Representations and Warranties..........................61

  4.1.   Due Organization. Authorization. No Conflicts......................62
  4.2.   Trade Names........................................................62
  4.3.   Intellectual Property..............................................63
  4.4.   Locations..........................................................63
  4.5.   Encumbrances.......................................................63
  4.6.   Indebtedness.......................................................64
  4.7.   Insurance..........................................................64
  4.8.   Licenses...........................................................64
  4.9.   Leases.............................................................64
  4.10.  Requirements of Law................................................64
  4.11.  Labor Relations....................................................64
  4.12.  Taxes..............................................................65
  4.13.  No Margin Stock....................................................67
  4.14.  Investment and Holding Company Status..............................67
  4.15.  ERISA..............................................................67
  4.16.  Hazardous Materials................................................67
  4.17.  Litigation.........................................................68
  4.18.  Adequacy of Disclosure.............................................68
  4.19.  Unrestricted Subsidiaries..........................................69
  4.20.  No Bankruptcy Filing...............................................69

Article 5 - GENERAL COVENANTS...............................................69

  5.1.   Payment and Performance of Liabilities.............................69
  5.2.   Maintenance of existence...........................................69
  5.3.   Trade Names........................................................70
  5.4.   Locations..........................................................70
  5.5.   Encumbrances.......................................................71
  5.6.   Indebtedness.......................................................71
  5.7.   Insurance..........................................................71
  5.8.   Licenses...........................................................72
  5.9.   Requirements of Law................................................72


                                      iii
<PAGE>
  5.10.  Labor Relations....................................................72
  5.11.  Maintain Properties................................................72
  5.12.  Taxes..............................................................73
  5.13.  No Margin Stock....................................................74
  5.14.  ERISA..............................................................74
  5.15.  Hazardous Materials................................................74
  5.16.  Dividends. Investments. Corporate Action...........................75
  5.17.  Loans..............................................................76
  5.18.  Protection of Assets...............................................77
  5.19.  Line of Business; Conduct of Business..............................77
  5.20.  Affiliate Transactions.............................................78
  5.21.  Additional Subsidiaries............................................78
  5.22.  Further Assurances.................................................79
  5.23.  Adequacy of Disclosure.............................................79
  5.24.  No Restrictions on Liabilities.....................................80
  5.25.  Unrestricted Subsidiaries..........................................80
  5.26.  Parent's Line of Business..........................................

Article 6 - Financial Reporting and Performance Covenants:..................80

  6.1.   Maintain Records...................................................80
  6.2.   Access to Records..................................................81
  6.3.   Prompt Notice to Administrative Agent..............................81
  6.4.   Weekly Reports.....................................................83
  6.5.   Monthly Reports....................................................83
  6.6.   Quarterly Reports..................................................83
  6.7.   Annual Reports.....................................................84
  6.8.   Officers' Certificates.............................................84
  6.9.   Inventories, Appraisals, and Audits................................85
  6.10.  Additional Financial Information...................................86
  6.11.  Information Delivered Pursuant to Article 6........................87
  6.12.  Financial Covenant.................................................87

Article 7 - USE OF COLLATERAL:..............................................87

  7.1.   Use of  Inventory Collateral.......................................87
  7.2.   Inventory Quality..................................................88
  7.3.   Adjustments and Allowances.........................................88
  7.4.   Validity of Accounts...............................................88
  7.5.   Notification to Account Debtors....................................88

Article 8 - CASH MANAGEMENT. PAYMENT OF LIABILITIES:........................89

  8.1.   Depository Accounts................................................89
  8.2.   Credit Card Receipts...............................................89
  8.3.   The Administrative agent's, Collection, and Operating Accounts ....90
  8.4.   Proceeds and Collections ..........................................90
  8.5.   Payment of Liabilities.............................................91


                                       iv
<PAGE>
  8.6.   The Operating Account..............................................92

Article 9 - GRANT OF SECURITY INTEREST:.....................................93

  9.1.   Grant of Security Interest.........................................93
  9.2.   Extent and Duration of Security Interest...........................94

Article 10 - COLLATERAL AGENT AS BORROWERS' ATTORNEY-IN-FACT:...............94

  10.1.  Appointment as Attorney-In-Fact....................................94
  10.2.  No Obligation to Act...............................................95

Article 11 - Events of Default:.............................................96

  11.1.  Failure to Pay the Revolving Credit................................96
  11.2.  Failure To Make Other Payments.....................................96
  11.3.  Failure to Perform Covenant or Liability (No Grace Period).........96
  11.4.  Financial Reporting Requirements...................................96
  11.5.  Failure to Perform Covenant or Liability (Grace Period)............97
  11.6.  Misrepresentation..................................................97
  11.7.  Acceleration of Other Debt. Breach of Lease........................97
  11.8.  Default Under Other Agreements.....................................97
  11.9.  Uninsured Casualty Loss............................................98
  11.10. Attachment. Judgment. Restraint of Business........................98
  11.11. Business Failure...................................................98
  11.12. Bankruptcy.........................................................98
  11.13. Termination of Guaranty............................................99
  11.14. Challenge to Loan Documents........................................99
  11.15. Change in Control..................................................99

Article 12 - RIGHTS AND REMEDIES UPON DEFAULT:..............................99

  12.1.  Acceleration.......................................................99
  12.2.  Rights of Enforcement..............................................99
  12.3.  Sale of Collateral................................................100
  12.4.  Occupation of Business Location...................................101
  12.5.  Grant of Nonexclusive License.....................................101
  12.6.  Assembly of Collateral............................................101
  12.7.  Rights and Remedies...............................................102

Article 13 - REVOLVING CREDIT FUNDINGS AND DISTRIBUTIONS:..................102

  13.1.  Revolving Credit Funding Procedures...............................102
  13.2.  SwingLine Loans...................................................102
  13.3.  Administrative Agent's Covering of Fundings:......................103
  13.4.  Ordinary Course Distributions.....................................105

Article 14 - ACCELERATION AND LIQUIDATION:.................................106

  14.1.  Acceleration Notices..............................................106
  14.2.  Acceleration......................................................106
  14.3.  Initiation of Liquidation.........................................107


                                       v
<PAGE>
  14.4.  Actions At and  Following Initiation of Liquidation...............107
  14.5.  Collateral Agent' Conduct of Liquidation..........................107
  14.6.  Distribution of Liquidation Proceeds:.............................108
  14.7.  Relative Priorities To Proceeds of Liquidation....................108

Article 15 - THE AGENT:....................................................109

  15.1.  Appointment of The Agent..........................................109
  15.2.  Responsibilities of Agent.........................................109
  15.3.  Concerning Distributions By the Agent.............................110
  15.4.  Dispute Resolution................................................111
  15.5.  Distributions of Notices and of Documents.........................111
  15.6.  Confidential Information..........................................112
  15.7.  Reliance by Agent.................................................112
  15.8.  Non-Reliance on Agent and Other Revolving Credit Lenders..........112
  15.9.  Indemnification...................................................113
  15.10. Resignation of Agent..............................................114
  15.11. Lead Arranger.....................................................114

Article 16 - ACTION BY AGENT - CONSENTS - AMENDMENTS - WAIVERS:............114

  16.1.  Administration of Credit Facilities...............................114
  16.2.  Actions Requiring or On Direction of Majority Lenders.............115
  16.3.  Actions Requiring or On Direction of SuperMajority Lenders........115
  16.4.  Action Requiring Certain Consent..................................116
  16.5.  Actions Requiring or Directed By Unanimous Consent................116
  16.6.  Actions Requiring SwingLine Lender Consent........................118
  16.7.  Actions Requiring Agent's Consent.................................118
  16.8.  Miscellaneous Actions.............................................118
  16.9.  Actions Requiring Lead Borrower's Consent.........................119
  16.10. NonConsenting Revolving Credit Lender.............................120

Article 17 - ASSIGNMENTS BY REVOLVING CREDIT LENDERS:......................121

  17.1.  Assignments and Assumptions:......................................121
  17.2.  Assignment Procedures.............................................122
  17.3.  Effect of Assignment..............................................122

Article 18 - NOTICES:......................................................123

  18.1.  Notice Addresses..................................................123
  18.2.  Notice Given......................................................124
  18.3.  Wire Instructions. Notice Given...................................125

Article 19 - TERM:.........................................................125

  19.1.  Termination of Revolving Credit...................................125
  19.2.  Actions On Termination............................................125

Article 20 - GENERAL:......................................................126

  20.1.  Protection of Collateral..........................................126


                                       vi
<PAGE>
  20.2.  Publicity.........................................................126
  20.3.  Confidentiality...................................................126
  20.4.  Successors and Assigns............................................127
  20.5.  Severability......................................................127
  20.6.  Amendments.  Course of Dealing....................................127
  20.7.  Power of Attorney.................................................128
  20.8.  Application of Proceeds...........................................128
  20.9.  Increased Costs...................................................129
  20.10. Replacement of Revolving Credit Lender............................129
  20.11. Costs and Expenses of the Agent and Issuer........................130
  20.12. Copies and Facsimiles.............................................131
  20.13. Ohio Law..........................................................131
  20.14. Consent to Jurisdiction...........................................131
  20.15. Indemnification...................................................132
  20.16. Rules of Construction.............................................132
  20.17. Agent's Consent...................................................134
  20.18. Participations....................................................134
  20.19. Right of Set-Off..................................................134
  20.20. Pledges To Federal Reserve Banks..................................134
  20.21. Maximum Interest Rate.............................................135
  20.22. Waivers...........................................................135
  20.23. Additional Waivers................................................136


                                      vii
<PAGE>
                                    EXHIBITS
      1.1               Existing L/Cs
      1.3         :     Intercompany Notes
      1.4         :     Exempt DDA
      1.5         :     Unrestricted Subsidiaries
      1.6         :     Existing Investments
      1.7         :     Permitted Dispositions
      2.5         :     Form of Loan Request
      2.8(c)      :     SwingLine Note
      2.10        :     Revolving Credit Note
      2.22        :     Revolving Credit Lenders' Commitments
      3.3         :     Additional Documents
      4.1         :     Corporate Information
      4.2         :     Trade Names
      4.4         :     Locations, Leases, and Landlords
      4.5(a)      :     Encumbrances
      4.5(b)      :     Consigned Property
      4.6         :     Indebtedness
      4.7         :     Insurance Policies
      4.8         :     Licenses
      4.9         :     Capital Leases
      4.11        :     Labor Contracts
      4.12        :     Taxes
      4.16(a)     :     Hazardous Materials
      4.17        :     Litigation
      5.17(e)     :     Existing Loans
      5.17(f)     :     Intercompany Loans
      6.4         :     Borrowing Base Certificate
      6.5         :     Monthly Financial Reporting Requirements
      8.1         :     DDA's.
      8.2         :     Credit Card Arrangements
      8.3         :     Administrative Agent's Accounts; Collection
                        Account Banks; Operating Accounts
      17.2        :     Assignment / Assumption


                                      viii
<PAGE>
--------------------------------------------------------------------------------
LOAN AND SECURITY AGREEMENT
--------------------------------------------------------------------------------

                                                                   June __, 2005

      THIS AGREEMENT is made between

            National City Business Credit, Inc., an Ohio corporation with
      offices at 1965 E. Sixth Street, Cleveland, Ohio 44114, as administrative
      agent (in such capacity, herein the "ADMINISTRATIVE AGENT"), for the
      ratable benefit of the "REVOLVING CREDIT LENDERS", who are, at present,
      those financial institutions identified on the signature pages of this
      Agreement and who in the future are those Persons (if any) who become
      "Revolving Credit Lenders" in accordance with the provisions hereof;

            National City Business Credit, Inc., as Collateral Agent (in
      such capacity, herein the "COLLATERAL AGENT"), for the ratable
      benefit of the Revolving Credit Lenders,

            and

            The Revolving Credit Lenders;

            and

            DSW Inc. (in such capacity, the "LEAD BORROWER"), an Ohio
      corporation with its principal executive offices at 4150 East Fifth
      Avenue, Columbus, Ohio 43219, as agent for the following (individually, a
      "BORROWER" and collectively, the "BORROWERS"):

            Said DSW Inc. ("DSW"); and

            DSW Shoe Warehouse, Inc. ("DSW SHOE"), a Missouri corporation
            with its principal executive offices at 4150 East Fifth
            Avenue, Columbus, Ohio 43219

in consideration of the mutual covenants contained herein and benefits to
be derived herefrom,

                                   WITNESSETH:

ARTICLE 1 - DEFINITIONS

      As used herein, the following terms have the following meanings or are
defined in the section of this Agreement so indicated:

      "ACCELERATION":   The making of demand or declaration that any
            Indebtedness, not otherwise due and payable,  is due and
            payable. Derivations of the word "Acceleration" (such as
            "Accelerate") are used with like meaning in this Agreement.


                                       1
<PAGE>
      "ACCELERATION NOTICE":  Written notice as follows:

                  (a)   From the Administrative Agent to the Revolving
            Credit Lenders, as provided in Section 14.1(a).

                  (b)   From the SuperMajority Lenders to the
            Administrative Agent, as provided in Section 14.1(b).

      "ACCOUNT DEBTOR": Has the meaning given that term in the UCC.

      "ACCOUNTS" include, without limitation, "accounts" as defined in the UCC,
            and also all: accounts, accounts receivable, receivables, and rights
            to payment (whether or not earned by performance) for: property that
            has been or is to be sold, leased, licensed, assigned, or otherwise
            disposed of; services rendered or to be rendered; a policy of
            insurance issued or to be issued; a secondary obligation incurred or
            to be incurred; arising out of the use of a credit or charge card or
            information contained on or used with that card; winnings in a
            lottery or other game of chance; and also all Inventory which gave
            rise thereto, and all rights associated with such Inventory,
            including the right of stoppage in transit; all reclaimed, returned,
            rejected or repossessed Inventory (if any) the sale of which gave
            rise to any Account.

      "ACH":      Automated clearing house.

      "ACQUISITION ": The purchase or acquisition of all or substantially all of
            the assets of any Person, the purchase of a controlling equity
            interest in any Person, or the merger or consolidation of any Person
            with any other Person, in any transaction or group of transactions
            which are part of a common plan.

      "ADMINISTRATIVE AGENT": NCBC, or its successors or assigns, in its
            capacity as administrative agent for the Revolving Credit
            Lenders hereunder.

      "ADMINISTRATIVE AGENT'S ACCOUNT":   Is defined in Section 8.3.

      "ADMINISTRATIVE AGENT'S  COVER":    Defined in Section 13.3(c)(i).

      "AFFILIATE":      The following:

                  (a) With respect to any Person, any other Person that directly
            or, alone or with a group of related Persons whose interests taken
            as a whole, indirectly through one of more intermediaries, Controls,
            is Controlled by, or is under common Control with, such Person.
            Notwithstanding anything to the contrary herein contained, in no
            event shall the Agent, the Issuer, or any Revolving Credit Lender be
            considered an "Affiliate" of a Loan Party.

                  (b) Any Person: which is a parent, brother-sister or
            subsidiary, of a Borrower; whose enterprise's tax returns or
            financial statements are consolidated


                                       2
<PAGE>
            with those of a Borrower; which is a member of the same controlled
            group of corporations (within the meaning of Section 1563(a)(1), (2)
            and (3) of the Internal Revenue Code of 1986, as amended from time
            to time) of which any Borrower is a member; or Controls or is
            Controlled by any Borrower.

                  (c) With respect to the Loan Parties, without limiting the
            provisions of clauses (a) and (b) hereof, "Affiliate" includes
            Schottenstein Stores Corporation.

      "AGENT":    Collectively, the Administrative Agent and the
            Collateral Agent.

      "AGENTS' RIGHTS AND REMEDIES":      Is defined in Section 12.7.

      "APPLICABLE LAW": As to any Person: (i) All statutes, rules, regulations,
            orders, or other requirements having the force of law and (ii) all
            court orders and injunctions, arbitrator's decisions, and/or similar
            rulings, in each instance ((i) and (ii)) of or by any federal,
            state, municipal, and other governmental authority, or court,
            tribunal, panel, or other body which has or claims jurisdiction over
            such Person, or any property of such Person, or of any other Person
            for whose conduct such Person would be responsible.

      "APPLICABLE MARGIN":    The following percentages for Base Margin
            Loans and LIBOR Loans based upon the following criteria:

<TABLE>
<CAPTION>
            LEVEL    EXCESS             APPLICABLE  APPLICABLE
                     AVAILABILITY       MARGIN FOR  MARGIN FOR
                                        BASE        LIBOR LOANS
                                        MARGIN
                                        LOANS
<S>                  <C>                <C>         <C>
            1        Greater than       0%          1.25%
                     $120,000,000
            2        Greater than       0%          1.50%
                     $75,000,000, but
                     less than or
                     equal to
                     $120,000,000
            3        Greater than       0%          1.75%
                     $35,000,000, but
                     less than or
                     equal to
                     $75,000,000
</TABLE>



                                       3
<PAGE>
<TABLE>
<S>                  <C>                <C>         <C>

            4        Less than or       0%          2.00%
                     equal to
                     $35,000,000
</TABLE>


            The Applicable Margin shall initially be established at Level 2.
            Thereafter, the Applicable Margin shall be adjusted quarterly on the
            first day of each calendar quarter, commencing ____, 2005 [six
            months], based upon the Average Excess Availability during the prior
            quarter, provided that in no event shall the Applicable Margin be
            established at Level 1 during the first six (6) months subsequent to
            the Effective Date. Upon the occurrence and during the continuance
            of a Specified Event of Default, the Applicable Margin may, at the
            option of the Agent, be immediately increased to the percentages set
            forth in Level 4 (even if the Excess Availability requirements for
            another Level have been met) and interest shall be determined in the
            manner set forth in Section 2.12(g).

      "APPRAISED INVENTORY LIQUIDATION VALUE": The product of (a) the Cost of
            Eligible Inventory (net of Inventory Reserves) multiplied by (b)
            that percentage, determined from the then most recent appraisal of
            each Borrower's Inventory undertaken initially at the Lead
            Borrower's request, and subsequently at the request of the
            Collateral Agent, to reflect the appraiser's estimate of the net
            recovery on such Borrower's Inventory in the event of an in-store
            liquidation of that Inventory.

      "APPRAISED INVENTORY PERCENTAGE":   87.5%.

      "ASSIGNING REVOLVING CREDIT LENDER":      Defined in Section 17.1(a).

      "ASSIGNMENT AND ACCEPTANCE":  Defined in Section 17.2.

      "AUTHORIZED OFFICER":   Is defined in Section 6.8.

      "AVAILABILITY RESERVES": Without duplication, such reserves as the
            Collateral Agent from time to time determines in the Collateral
            Agent's reasonable, good faith discretion as being appropriate to
            reflect the impediments to the Collateral Agent's ability to realize
            upon the Collateral. The Collateral Agent shall furnish the Lead
            Borrower with written notice two (2) Business Days prior to imposing
            or changing any Availability Reserve (unless a Specified Event of
            Default then exists and is continuing, in which event no prior
            notice shall be required). Without limiting the generality of the
            foregoing, Availability Reserves may include (but are not limited
            to) reserves based on the following:

                  (i)   rent (but only if a landlord's waiver, acceptable to the
                        Collateral Agent, has not been received by the
                        Collateral Agent).

                  (ii)  Customer Credit Liabilities.


                                       4
<PAGE>
                  (iii) taxes and other governmental charges, including, ad
                        valorem, personal property, and such other taxes which
                        are reasonably likely to have priority over the
                        Collateral Interests of the Collateral Agent in the
                        Collateral.

                  (iv)  L/C Landing Costs.

                  (v)   Hedge Agreements.

      Without limiting the rights of the Collateral Agent to establish or modify
      Availability Reserves, the initial Availability Reserves on the Effective
      Date shall be the following:

                  (a)   gift certificates and Merchandise Credits (in an
                        amount equal to fifty percent (50%) of the
                        outstanding gift certificates and merchandise
                        credits reflected in the Borrowers' financial
                        statements (which amount shall be updated no less
                        frequently than every thirty (30) days and which
                        financial statements will be maintained
                        consistently with past practices)).

                  (b)   landlord lien reserve equal to two months' rent for all
                        stores located in Pennsylvania and Virginia.

                  (c)   layaway deposits (in an amount equal to one hundred
                        percent (100%) of the outstanding layaway deposits
                        reflected in the Borrowers' financial statements (which
                        amount shall be updated no less frequently than every
                        thirty (30) days and which financial statements will be
                        maintained consistently with past practices)).

                  (d)   Hedge Agreements.

      "AVERAGE EXCESS AVAILABILITY ": For any period, the sum of Excess
            Availability for each day comprising such period divided by the
            number of days in such period.

      "BANKER'S ACCEPTANCE": A time draft or bill of exchange relating to a
            Documentary Letter of Credit which has been accepted by the Issuer.
            Without limitation, Existing Banker's Acceptances shall be deemed to
            be Banker's Acceptances issued under this Agreement and shall be
            entitled to all of the benefits hereof.

      "BANKER'S ACCEPTANCE FEES":   The fees payable in respect of
            Banker's Acceptances pursuant to Section 2.18.

      "BANKRUPTCY CODE":      Title 11, U.S.C., as amended from time to
            time.

      "BASE": For any day, a rate per annum equal to the higher of (a) the rate
            of interest which is established from time to time by NCB at its
            principal office in Cleveland, Ohio as its "prime rate" in effect,
            such rate to be adjusted automatically, without notice, as of the
            opening of business on the effective date


                                       5
<PAGE>
            of any change in such rate (it being agreed that (i) such rate is
            not necessarily the lowest rate of interest then available from NCB
            on fluctuating rate loans, and (ii) such rate may be established by
            NCB by public announcement or otherwise), and (b) the Federal Funds
            Effective Rate in effect on such day plus one-half of one percent
            (0.50%) per annum.

      "BASE MARGIN LOAN":     Each Revolving Credit Loan while bearing
            interest at the Base Margin Rate.

      "BASE MARGIN RATE":     The Applicable Margin for Base Margin Loans.

      "BORROWER" and "BORROWERS":   Is defined in the Preamble.

      "BORROWING BASE CERTIFICATE": Is defined in Section 6.4.

      "BUSINESS DAY": Any day other than (a) a Saturday or Sunday; (b) any day
            on which banks in Cleveland, Ohio, generally are not open to the
            general public for the purpose of conducting commercial banking
            business; (c) a day on which the principal office of the
            Administrative Agent is not open to the general public to conduct
            business; or (d) when used in connection with a LIBOR Loan, any day
            on which banks are not open for dealings in dollar deposits in the
            London interbank market.

      "BUSINESS PLAN": The business plan for the Loan Parties fiscal years 2005
            through and including 2010 dated April 19, 2005, as set forth in
            that certain confidential side letter from the Lead Borrower to the
            Administrative Agent.

      "CAPITAL EXPENDITURES": The expenditure of funds or the incurrence
            of liabilities which may be capitalized in accordance with
            GAAP.

      "CAPITAL LEASE":  Any lease which may be capitalized in accordance
            with GAAP.

      "CASH CONTROL EVENT": Either (i) an Event of Default has occurred and is
            continuing, or (ii) the Average Excess Availability for any five (5)
            consecutive Business Days is less than Thirty Million Dollars
            ($30,000,000). For purposes hereof, the occurrence of a Cash Control
            Event shall be deemed continuing notwithstanding that Average Excess
            Availability may thereafter exceed the amount set forth in the
            preceding sentence unless and until Average Excess Availability
            exceeds such amounts for ninety (90) consecutive Business Days, in
            which case a Cash Control Event shall no longer be deemed to be
            continuing for purposes hereof; provided that a Cash Control Event
            shall be deemed continuing (even if Average Excess Availability
            exceeds the required amounts for ninety (90) consecutive Business
            Days) if a Cash Control Event has occurred and been discontinued on
            one (1) occasion during the preceding twelve month period.


                                       6
<PAGE>
      "CCM":      Cerberus Partners, L.P., a Delaware limited partnership
            with its principal office at 450 Park Avenue, New York, New
            York 10022.

      "CCM  TERM LOAN FACILITIES": The term loan facilities entered into
            between, among others, the Borrowers and CCM, as agent, pursuant to
            a Financing Agreement dated June 11, 2002, in the aggregate
            principal amount of $100,000,000.00, as amended and in effect.

      "CHANGE IN CONTROL":    The occurrence of any of the following:

                  (a) The acquisition, by any group of Persons (within the
            meaning of the Securities Exchange Act of 1934, as amended) or by
            any Person (other than by (x) a Person Controlled by Schottenstein
            Stores Corporation, or (y) one or more Family Trusts) of beneficial
            ownership (within the meaning of Rule 13d-3 of the Securities and
            Exchange Commission) of 25% or more of the issued and outstanding
            capital stock of the Parent having the right, under ordinary
            circumstances, to vote for the election of directors of the Parent,
            excluding from the foregoing any acquisition pursuant to warrants
            issued under the exercise of conversion rights under the Senior
            Non-Convertible Facility.

                  (b) Other than as a result of the exercise by CCM of board
            representation rights under the Senior Non-Convertible Facility,
            more than thirty percent (30%) of the Persons who were directors of
            the Parent on the first day of any period consisting of twelve (12)
            consecutive calendar months (the first of which twelve (12) month
            periods commencing with the first day of May, 2005), cease to be
            directors of the Parent for any reason, other than death,
            disability, or replacement (in the ordinary course of business and
            not as a result of any change in the equity ownership of the Parent)
            by other Persons nominated by the nominating committee of the board
            of directors of the Parent.

                  (c) The failure of the Parent to own, directly or indirectly,
            55% of the capital stock of each of the other Loan Parties, except:
            (i) in the event of an exercise of any warrants for Class A Common
            Shares of DSW (but not for common stock of the Parent), the Parent
            may sell, in exchange for cash, up to that number of Class A Common
            Shares of DSW as shall provide net cash proceeds to the Parent equal
            to the sum of (A) the tax liability, if any, actually incurred by
            the Parent as a result of the exercise of such warrants, less (B)
            the net cash proceeds (if any) received by the Parent upon such
            exercise of such warrants, provided that (I) no Default or Event of
            Default shall have occurred and be continuing at the time of such
            sale, (II) the average closing sale price of the Class A Common
            Shares on the New York Stock Exchange (or other exchange on which
            such shares are listed) for the 30 days prior to such sale, times
            the number of Class A Common Shares owned (or which could be
            received by the Parent in exchange for its Class B Common Shares) by
            the Parent after giving effect to such sale would be equal to at
            least two times the outstanding principal amount of the Parent's
            non-convertible loan under its Second Amended and Restated Senior
            Loan


                                       7
<PAGE>
            Agreement with Cerberus Partners, L.P., as agent thereunder
            (including all paid-in-kind interest added thereto) at such time,
            and (III) after giving effect to such sale, the Parent shall own a
            number of Class A Common Shares (or Class B Common Shares
            exchangeable into Class A Common Shares) sufficient to permit the
            exercise in full, for Class A Common Shares, of all warrants issued
            and outstanding at such time; and (ii) that the transfer of common
            stock to the holders of any warrants upon the exercise thereof shall
            be disregarded in calculating the Parent's ownership of the capital
            stock of the Loan Parties. All references to "warrants" in this
            clause (c) are limited to (Y) those warrants dated as of September
            26, 2002, as amended and restated as of the Effective Date, issued
            by the Parent, and (Z) those conversion warrants issued as of the
            Effective Date to the lenders under the Amended and Restated Senior
            Loan Agreement with Cerberus Partners, L.P., as agent thereunder.

                  (d) The failure of Schottenstein Stores Corporation or one or
            more Family Trusts to possess, directly or indirectly, the power to
            cause the direction of the management and policies of the Parent and
            the Borrowers.

      "CHATTEL PAPER":  Has the meaning given that term in the UCC.

      "COLLATERAL":     Is defined in Section 9.1.

      "COLLATERAL AGENT":     NCBC, in its capacity as Collateral Agent
            for the Revolving Credit Lenders hereunder.

      "COLLATERAL INTEREST":  Any interest in property to secure an
            obligation, including, without limitation, a security
            interest, mortgage, and deed of trust.

      "COLLATERAL MONITORING FEE": Is defined in Section 2.13.

      "COLLECTION ACCOUNT": Any DDA into which the proceeds of Collateral are
            transferred and concentrated, including, without limitation,
            transfers from other DDAs, credit card processors, checks, and
            accounts receivables. The Collection Accounts as of the Effective
            Date are set forth on EXHIBIT 8.3 hereto.

      "COLLECTION ACCOUNT AGREEMENT": An agreement, in form satisfactory to the
            Collateral Agent, which agreement recognizes the Collateral Agent'
            Collateral Interest in the contents of the DDA which is the subject
            of such agreement and agrees that, after and during the continuance
            of a Cash Control Event, such contents shall be transferred only to
            the Administrative Agent's Account or as otherwise instructed by the
            Administrative Agent.

      "COMMERCIAL TORT CLAIM": Has the meaning given that term in the UCC.

      "COMPETITIVE BUSINESS":    Any business or enterprise consisting of
            any of the following:


                                       8
<PAGE>
                  (a)   operation of off-price discount department stores.

                  (b)   operation of retail furniture stores and related
            accessories.

                  (c)   operation of designer and name brand shoe stores.

                  (d)   operation of licensed shoe departments.

                  (e)   furniture manufacturing.

                  (f)   bedding manufacturing.

      "CONSENT": Actual consent given by the Revolving Credit Lender from whom
            such consent is sought; or the passage of seven (7) Business Days
            from receipt of written notice to a Revolving Credit Lender from any
            Agent of a proposed course of action to be followed by such Agent
            without such Revolving Credit Lender's giving such Agent written
            notice of that Revolving Credit Lender's objection to such course of
            action, provided that the Agent may rely on such passage of time as
            consent by a Revolving Credit Lender only if such written notice
            states that consent will be deemed effective if no objection is
            received within such time period.

      "CONSOLIDATED": When used to modify a financial term, test, statement, or
            report, refers to the application or preparation of such term, test,
            statement or report (as applicable) based upon the consolidation, in
            accordance with GAAP, of the financial condition or operating
            results of the DSW and its Subsidiaries.

      "CONTROL": The possession, direct or indirect, of the power to cause the
            direction of the management and policies of a Person whether through
            the ownership of voting securities, by contract or otherwise. A
            Person shall be deemed to have control of another Person if it is a
            "beneficial owner" (as such term is defined in Rule 13d-3 and Rule
            13d-5 of the Securities Exchange Act of 1934, as amended) or a
            member of a "group" that is the beneficial owner, directly or
            indirectly, of 20% or more of the voting stock or equity interest in
            such Person. The terms "Controlled" and "Controlling" as used herein
            are intended to have the same meaning as "Control."

      "COST":     The lower of cost or market, determined in each case in
            accordance with GAAP.

      "COSTS OF COLLECTION": Includes, without limitation, all reasonable
            attorneys' fees and reasonable out-of-pocket expenses incurred by
            the Agents' and Issuer's attorneys, and all reasonable out-of-pocket
            costs incurred by the Agents and the Issuer in the administration of
            the Liabilities and/or the Loan Documents, including, without
            limitation, reasonable costs and expenses associated with travel on
            behalf of the Agents and Issuer, where such costs and expenses are
            related to or in respect of the Agents' and Issuer's: administration
            and management of the


                                       9
<PAGE>
            Liabilities; negotiation, documentation, and amendment of any Loan
            Document; or efforts to preserve, protect, collect, or enforce the
            Collateral, the Liabilities, and/or the Agents' Rights and Remedies
            and/or any of the rights and remedies of the Agents and Issuer
            against or in respect of any guarantor or other Person liable in
            respect of the Liabilities (whether or not suit is instituted in
            connection with such efforts). "Costs of Collection" also includes
            the reasonable fees and expenses of Lenders' Special Counsel. The
            Costs of Collection are Liabilities, and at the Administrative
            Agent's option may bear interest at the then effective Base Margin
            Rate after such time as they have been added to the Loan Account.

      "CREDIT CARD ADVANCE RATE":   85%

      "CUSTOMER CREDIT LIABILITY": Gift certificates, customer deposits,
            merchandise credits, layaway obligations, frequent shopping
            programs, and similar liabilities of any Borrower to its retail
            customers and prospective customers.

      "DDA":      Any checking or other demand daily depository account
            maintained by any Borrower other than any Exempt DDA.

      "DEFAULT": Any occurrence, circumstance, or state of facts with respect to
            a Borrower which (a) is an Event of Default; or (b) would become an
            Event of Default if any requisite notice were given and/or any
            requisite period of time were to run and such occurrence,
            circumstance, or state of facts were not cured within any applicable
            grace period.

      "DELINQUENT REVOLVING CREDIT LENDER":     Defined in Section 13.3(c).

      "DEPOSIT ACCOUNT":      Has the meaning given that term in the UCC
            and also includes all demand, time, savings, passbook, or
            similar accounts maintained with a bank.

      "DOCUMENTS":      Has the meaning given that term in the UCC.

      "DOCUMENTS OF TITLE":   Has the meaning given that term in the UCC.

      "DSW":      Has the meaning given that term in the Preamble hereto.

      "DSW SHOE" Has the meaning given that term in the Preamble hereto.

      "DSW

      "AVAILABILITY":         The result of the following:

                        (i)   The lesser of

                              (A)   The Revolving Credit Ceiling

                                       or


                                       10
<PAGE>
                              (B)   The DSW Borrowing Base

                        Minus

                        (ii)  The aggregate unpaid balance of the Loan Account
                              attributable to Revolving Credit Loans made to DSW
                              or DSW Shoe.
                        Minus

                        (iii) The aggregate undrawn Stated Amount of all then
                              outstanding L/Cs and Banker's Acceptances issued
                              for the account of DSW or DSW Shoe.

                        Minus

                        (iv)  The aggregate of the Availability Reserves.

      "DSW BORROWING BASE":   The aggregate of the following:

                  (a) The face amount of Eligible Credit Card Receivables of DSW
            and DSW Shoe multiplied by the Credit Card Advance Rate.

                        Plus

                  (b) The lesser of (a) the Cost of Eligible Inventory (net of
            Inventory Reserves) of DSW and DSW Shoe multiplied by the Inventory
            Advance Rate or (b) the Appraised Inventory Percentage of the
            Appraised Inventory Liquidation Value of the Inventory of DSW and
            DSW Shoe.

      "EBITDA": For the Borrowers, on a consolidated basis, in any period of
            determination, the sum, without duplication, of the following: Net
            Income determined in accordance with GAAP, plus, (a) Interest
            Expense, (b) taxes on income, (c) depreciation expense, (d)
            amortization expense, (e) all other non-cash and/or non-recurring
            charges and expenses, and (f) loss from any sale of assets, other
            than sales in the ordinary course of business, less (x) gain from
            any sale of assets, other than sales in the ordinary course of
            business and (y) all non-cash and/or non-recurring income, all of
            the foregoing determined in accordance with GAAP.

      "EFFECTIVE DATE": The date upon which the conditions precedent set forth
            in Article 3 hereof have been satisfied or waived and the first
            Revolving Credit Loans are to be made and L/Cs to be issued
            hereunder.

      "ELIGIBLE ASSIGNEE": A bank, insurance company, or company engaged in the
            business of making commercial loans having a combined capital and
            surplus in excess of $500,000,000 or any Affiliate of any Revolving
            Credit Lender, or any Person to whom a Revolving Credit Lender
            assigns its rights and obligations under this


                                       11
<PAGE>
            Agreement as part of a programmed assignment and transfer of such
            Revolving Credit Lender's rights in and to a material portion of
            such Revolving Credit Lender's portfolio of asset based credit
            facilities. In no event shall an "Eligible Assignee" include a
            Person who is engaged in a Competitive Business with any Loan Party,
            and as long as Schottenstein Stores Corporation remains in Control
            of the Borrowers, an "Eligible Assignee" shall in no event include a
            Person which is engaged in a Competitive Business or a Related
            Business with Schottenstein Stores Corporation.

      "ELIGIBLE CREDIT CARD RECEIVABLES": Accounts due on a non-recourse basis
            from major or private label credit card processors, which have been
            outstanding for less than five (5) Business Days.

      "ELIGIBLE INVENTORY": Such of the Borrowers' Inventory, inclusive of
            Eligible L/C Inventory, at such locations, and of such types,
            character, qualities and quantities, as the Collateral Agent in its
            reasonable, good faith discretion from time to time determines to be
            acceptable for borrowing, as to which Inventory, the Collateral
            Agent has a perfected security interest which is prior and superior
            to all security interests, claims, and Encumbrances. Without
            limiting the foregoing, Inventory acquired in a Permitted
            Acquisition (other than a Permitted Acquisition involving the merger
            of one or more Loan Parties) shall not be deemed Eligible Inventory
            unless the Collateral Agent otherwise agrees.

      "ELIGIBLE L/C INVENTORY": Without duplication of other Eligible Inventory,
            Inventory not yet delivered to the Borrowers, the purchase of which
            is supported by a documentary L/C or Banker's Acceptance then having
            an initial expiry of sixty (60) or less days, provided that

                  (a) Such Inventory is of such types, character, qualities and
            quantities (net of Inventory Reserves) as the Collateral Agent in
            its reasonable, good faith discretion from time to time determines
            to be eligible for borrowing and it would otherwise constitute
            Eligible Inventory; and

                  (b) The documentary L/C supporting such purchase names the
            Collateral Agent as consignee of the subject Inventory or the
            Collateral Agent has control over the documents which evidence
            ownership of the subject Inventory (such as by the providing to the
            Collateral Agent of a customs brokers agreement in form reasonably
            satisfactory to the Collateral Agent).

      "EMPLOYEE BENEFIT PLAN": An employee benefit pension benefit plan that is
            covered by Title IV of ERISA or is subject to the minimum finding
            standards under Section 412 of the Internal Revenue Code of 1986, as
            amended from time to time, and as to which a Borrower or any ERISA
            Affiliate may have any liability.

      "ENCUMBRANCE":    Each of the following:


                                       12

<PAGE>
                        (a) A Collateral Interest or agreement to create or
                  grant a Collateral Interest; a security interest; the interest
                  of a lessor under a Capital Lease; conditional sale or other
                  title retention agreement; sale of accounts receivable or
                  chattel paper; or other arrangement pursuant to which any
                  Person is entitled to any preference or priority with respect
                  to the property or assets of another Person or the income or
                  profits of such other Person; each of the foregoing whether
                  consensual or non-consensual and whether arising by way of
                  agreement, operation of law, legal process or otherwise.

                        (b) The filing of any financing statement under the UCC
                  or comparable law of any jurisdiction unless such financing
                  statement is terminated promptly upon any Loan Party's
                  knowledge thereof.

            "END DATE": The date upon which all of the following conditions are
                  met: (a) all payment Liabilities described in Section 19.2(a)
                  have been paid in full (b) satisfactory arrangements with
                  respect to L/Cs and Banker's Acceptances have been made in
                  accordance with the provisions of Section 19.2(b), and (c) all
                  obligations of any Revolving Credit Lender to make loans and
                  advances and to provide other financial accommodations to the
                  Borrowers hereunder shall have been irrevocably terminated.

            "ENVIRONMENTAL ACTIONS": Any complaint, summons, citation, notice,
                  directive, order, claim, litigation, investigation, judicial
                  or administrative proceeding, judgment, letter or other
                  communication from any Person or Governmental Authority
                  involving violations of Environmental Laws or Releases of
                  Hazardous Materials (i) from any assets, properties or
                  businesses owned or operated by any Loan Party or any of its
                  Subsidiaries or any predecessor in interest; or (ii) onto any
                  facilities which received Hazardous Materials generated by any
                  Loan Party or any of its Subsidiaries or any predecessor in
                  interest.

            "ENVIRONMENTAL LAWS": The Comprehensive Environmental Response,
                  Compensation and Liability Act (42 U.S.C.Section 9601, et
                  seq.), the Hazardous Materials Transportation Act (49
                  U.S.C.Section 1801, et seq.), the Resource Conservation and
                  Recovery Act (42 U.S.C.Section 6901, et seq.), the Federal
                  Clean Water Act (33 U.S.C.Section 1251 et seq.), the Clean Air
                  Act (42 U.S.C.Section 7401 et seq.), the Toxic Substances
                  Control Act (15 U.S.C.Section 2601 et seq.) and the
                  Occupational Safety and Health Act (29 U.S.C.Section 651 et
                  seq.), as such laws may be amended or otherwise modified from
                  time to time, and any other present or future federal, state,
                  local or foreign statute, ordinance, rule, regulation, order,
                  judgment, decree, permit, license or other binding
                  determination of any Governmental Authority imposing liability
                  or establishing standards of conduct for protection of the
                  environment or other government restrictions relating to the
                  protection of the environment or the Release, deposit or
                  migration of any Hazardous Materials into the environment.


                                       13
<PAGE>
            "ENVIRONMENTAL LIABILITIES AND COSTS": All liabilities, monetary
                  obligations, remedial actions, losses, damages, punitive
                  damages, consequential damages, treble damages, reasonable
                  costs and expenses (including all reasonable fees,
                  disbursements and expenses of counsel, experts and consultants
                  and costs of investigations and feasibility studies), fines,
                  penalties, sanctions and interest incurred as a result of any
                  claim or demand by any Governmental Authority or any third
                  party, and which relate to any environmental condition or a
                  Release of Hazardous Materials from or onto (i) any property
                  presently or formerly owned by any Loan Party or any of its
                  Subsidiaries or (ii) any facility which received Hazardous
                  Materials generated by any Loan Party or any of its
                  Subsidiaries.

            "ENVIRONMENTAL LIEN": Any Lien in favor of any Governmental
                  Authority for Environmental Liabilities and Costs.

            "EQUIPMENT": Includes, without limitation, "equipment" as defined in
                  the UCC, and also all furniture, store fixtures, motor
                  vehicles, rolling stock, machinery, office equipment, plant
                  equipment, tools, dies, molds, and other goods, property, and
                  assets which are used and/or were purchased for use in the
                  operation or furtherance of a Borrowers' business, and any and
                  all accessions or additions thereto, and substitutions
                  therefor.

            "ERISA": The Employee Retirement Income Security Act of 1974, as
                  amended.

            "ERISA AFFILIATE": Any Person which is under common control with a
                  Borrower within the meaning of Section 4001 of ERISA or is
                  part of a group which includes any Borrower and which would be
                  treated as a single employer under Section 414 of the Internal
                  Revenue Code of 1986, as amended from time to time.

            "EUROCURRENCY RESERVE PERCENTAGE": For any Interest Period with
                  respect to a LIBOR Loan, as of any date of determination, the
                  aggregate of the then stated maximum reserve percentages
                  (including any marginal, special, emergency or supplemental
                  reserves), expressed as a decimal, applicable to such Interest
                  Period (if more than one such percentage is applicable, the
                  daily average of such percentages for those days in such
                  Interest Period during which any such percentages shall be so
                  applicable) by the Board of Governors of the Federal Reserve
                  System, any successor thereto, or any other banking authority,
                  domestic or foreign, to which the Administrative Agent or any
                  Revolving Credit Lender may be subject in respect of
                  eurocurrency funding (currently referred to as "Eurocurrency
                  Liabilities" in Regulation D of the Federal Reserve Board) or
                  in respect of any other category of liabilities including
                  deposits by reference to which the rate of interest on LIBOR
                  Loans is determined or any category or extension of credit or
                  other assets that include LIBOR Loans. as defined in such
                  regulations. For purposes hereof, such reserve requirements
                  shall include, without limitation, those imposed under
                  Regulation D of the Federal Reserve Board and the LIBOR Loans
                  shall be deemed to constitute Eurocurrency Liabilities subject
                  to reserve requirements without benefit of credits for
                  proration, exceptions or


                                       14
<PAGE>
                  offsets which may be available to any Revolving Credit Lender
                  under Regulation D.

            "EVENTS OF DEFAULT": Is defined in Article 11. An "Event of Default"
                  shall be deemed to have occurred and to be continuing unless
                  and until that Event of Default has been duly waived by the
                  Administrative Agent in writing or cured to the satisfaction
                  of the Administrative Agent.

            "EXCESS AVAILABILITY": As of any date of determination, DSW
                  Availability less all then held checks, accounts payable which
                  are beyond customary payment terms consistent with past
                  practice (other than accounts payable which are being disputed
                  in good faith and for which the Borrowers have adequate
                  reserves), and overdrafts (other than daylight overdrafts, as
                  defined in the Federal Reserve Daylight Credit Policies in
                  effect from time to time).

            "EXCLUDED PROPERTY": Shall mean the following:

                        (a) the Equipment that is subject to a "purchase money
                  security interest", as such term is now or hereafter defined
                  in the UCC, which (x) constitutes a Permitted Encumbrance
                  under this Agreement and (y) prohibits the creation by a Loan
                  Party of a junior security interest therein, unless the holder
                  thereof has consented to the creation of such a junior
                  security interest; or

                        (b) any General Intangibles, other than Payment
                  Intangibles, if and only to the extent that (i) in the case of
                  any such General Intangible, (x) any contract evidencing such
                  General Intangible contains a valid and effective contractual
                  restriction or limitation which prohibits the grant or
                  creation of a security interest therein, or (y) a valid and
                  effective restriction or limitation imposed by applicable law,
                  regulation, rule, order or other directive of any governmental
                  body, agency or authority, or the order of any court of
                  competent jurisdiction, prohibits the grant or creation of a
                  security interest in such General Intangible, or (ii) in the
                  case of any such General Intangible, such General Intangible
                  would be subject to loss or forfeiture upon the grant or
                  creation of a security interest therein by reason of (x) a
                  valid and effective contractual restriction or limitation
                  contained in any contract evidencing such General Intangible,
                  or (y) a valid and effective restriction or limitation imposed
                  by applicable law, regulation, rule, order or other directive
                  of any governmental body, agency or authority, or the order of
                  any court of competent jurisdiction; or

                        (c) Inventory or other property held pursuant to
                  consignment arrangements (other than between the Loan Parties)
                  in which a Borrower is the consignee to the extent that the
                  consignor has properly perfected its interest therein; or

                        (d) all motor vehicles owned by any Loan Party; or


                                       15
<PAGE>
                        (e) any Exempt DDA.

            provided that the Proceeds realized from any of the foregoing shall
            not be deemed Excluded Property but shall constitute Collateral.

            "EXEMPT DDA": Those depository accounts described on EXHIBIT 1.4
                  hereto, and, in addition, any depository account maintained by
                  any Borrower, the only contents of which may be transfers from
                  the Operating Account and actually used solely (i) for petty
                  cash purposes; (ii) for payroll; (iii) for charitable
                  contributions; or (iv) for medical, pension, benefits, VEBA,
                  employees, taxes, stock options and like special purpose
                  accounts.

            "EXISTING L/CS": Those letters of credit described on EXHIBIT 1.1
                  hereto which have been issued by NCB under the Borrowers'
                  existing credit facility with, among others, NCB.

            "FACILITY GUARANTEE": A guaranty executed by the Facility Guarantors
                  in favor of the Agent, the Issuer and the Revolving Credit
                  Lenders.

            "FACILITY GUARANTORS": Each Borrower and all other Subsidiaries of
                  the Borrowers now existing or hereafter created, other than
                  the Unrestricted Subsidiaries.

            "FACILITY GUARANTORS COLLATERAL DOCUMENTS": All security agreements,
                  mortgages, pledge agreements, deeds of trust, and other
                  instruments, documents or agreements executed and delivered by
                  any Facility Guarantor to secure the Facility Guarantee.

            "FAMILY TRUST": One or more trusts established for the benefit of
                  any of Jay L. Schottenstein, Susan S. Diamond, Ann S. Deshe,
                  Lori Schottenstein, Geraldine Schottenstein, any of their
                  respective spouses, children or lineal descendants, or any
                  Person Controlled by any such trust or trusts.

            "FARM PRODUCTS": Has the meaning given that term in the UCC.

            "FEDERAL FUNDS EFFECTIVE RATE": For any day, the rate per annum
                  (rounded upwards, if necessary, to the nearest 1/100th of 1%)
                  equal to the weighted average of the rates on overnight
                  federal funds transactions with members of the Federal Reserve
                  System arranged by federal funds brokers on such day, as
                  published by the Federal Reserve Bank of New York on the
                  Business Day next succeeding such day, provided that (i) if
                  the day for which such rate is to be determined is not a
                  Business Day, the Federal Funds Effective Rate for such day
                  shall be such rate on such transactions on the immediately
                  preceding Business Day as so published on the next succeeding
                  Business Day, and (ii) if such rate is not so published for
                  any Business Day, the Federal Funds Effective Rate for such
                  day shall be the average of quotations for such day on such
                  transactions received by the Administrative


                                       16
<PAGE>
                  Agent from three federal funds brokers of recognized standing
                  selected by the Administrative Agent.

            "FEE LETTER": That letter dated on or about the Effective Date and
                  styled "Fee Letter" between the Lead Borrower and the
                  Administrative Agent, as such letter may from time to time be
                  amended.

            "FISCAL": When followed by "month", "quarter" or "year", the
                  relevant fiscal period based on the Borrowers' fiscal year and
                  accounting conventions.

            "FIXED CHARGES": The sum of the following for the Borrowers on a
                  consolidated basis: (a) Interest Expense, plus (b) scheduled
                  payments of principal on Indebtedness (including Capital
                  Leases).

            "FIXED CHARGE COVERAGE RATIO": For the Borrowers on a consolidated
                  basis, at any date of determination, the ratio of (a) EBITDA,
                  minus Capital Expenditures, minus income taxes paid in cash,
                  minus dividends and other distributions on account of DSW's
                  capital stock, for the applicable period then ending taken as
                  one accounting period, to (b) Fixed Charges, for the
                  applicable period then ending taken as one accounting period.

            "FIXTURES": Has the meaning given that term in the UCC.

            "GAAP": Generally accepted accounting principles in effect from time
                  to time in the United States, applied on a consistent basis,
                  provided that "GAAP" shall mean generally accepted accounting
                  principles consistent with those used in the preparation of
                  the financial statements described herein.

            "GENERAL INTANGIBLES": Includes, without limitation, "general
                  intangibles" as defined in the UCC; and also all: rights to
                  payment for credit extended; deposits (other than DDAs);
                  amounts due to any Borrower; credit memoranda in favor of any
                  Borrower; warranty claims; tax refunds and abatements;
                  insurance refunds and premium rebates; all means and vehicles
                  of investment or hedging, including, without limitation,
                  options, warrants, and futures contracts; records; customer
                  lists; telephone numbers; goodwill; causes of action;
                  judgments; payments under any settlement or other agreement;
                  literary rights; rights to performance; royalties; license
                  and/or franchise fees; rights of admission; licenses;
                  franchises; license agreements, including all rights of any
                  Borrower to enforce same; permits, certificates of convenience
                  and necessity, and similar rights granted by any governmental
                  authority; patents, patent applications, patents pending, and
                  other intellectual property; internet addresses and domain
                  names; developmental ideas and concepts; proprietary
                  processes; blueprints, drawings, designs, diagrams, plans,
                  reports, and charts; catalogs; manuals; technical data;
                  computer software programs (including the source and object
                  codes therefor), computer records, computer software, rights
                  of access to computer record service bureaus, service bureau
                  computer contracts, and computer data; tapes, disks,
                  semi-conductors


                                       17
<PAGE>
                  chips and printouts; trade secrets rights, copyrights, mask
                  work rights and interests, and derivative works and interests;
                  user, technical reference, and other manuals and materials;
                  trade names, trademarks, service marks, and all goodwill
                  relating thereto; applications for registration of the
                  foregoing; and all other general intangible property of any
                  Borrower in the nature of intellectual property; proposals;
                  cost estimates, and reproductions on paper, or otherwise, of
                  any and all concepts or ideas, and any matter related to, or
                  connected with, the design, development, manufacture, sale,
                  marketing, leasing, or use of any or all property produced,
                  sold, or leased, by any Borrower or credit extended or
                  services performed, by any Borrower, whether intended for an
                  individual customer or the general business of any Borrower,
                  or used or useful in connection with research by any Borrower.

            "GOODS": Has the meaning given that term in the UCC, and also
                  includes all things movable when a security interest therein
                  attaches and also all computer programs embedded in goods and
                  any supporting information provided in connection with a
                  transaction relating to the program if (i) the program is
                  associated with the goods in such manner that it customarily
                  is considered part of the goods or (ii) by becoming the owner
                  of the goods, a Person acquires a right to use the program in
                  connection with the goods.

            "GOVERNMENTAL AUTHORITY": Any nation or government, any federal,
                  state, city, town, municipality, county, local or other
                  political subdivision thereof or thereto and any department,
                  commission, board, bureau, instrumentality, agency or other
                  entity exercising executive, legislative, judicial, taxing,
                  regulatory or administrative powers or functions of or
                  pertaining to government.

            "HAZARDOUS MATERIALS": (a) Any element, compound or chemical that is
                  defined, listed or otherwise classified as a contaminant,
                  pollutant, toxic pollutant, toxic or hazardous substance,
                  extremely hazardous substance or chemical, hazardous waste,
                  special waste, or solid waste under Environmental Laws or that
                  is reasonably likely to cause immediately, or at some
                  reasonably foreseeable future time, harm to or have an adverse
                  effect on, the environment or risk to human health or safety,
                  including, without limitation, any pollutant, contaminant,
                  waste, hazardous waste, toxic substance or dangerous good
                  which is defined or identified in any Environmental Law and
                  which is present in the environment in such quantity or state
                  that it contravenes any Environmental Law; (b) petroleum and
                  its refined products; (c) polychlorinated biphenyls; (d) any
                  substance exhibiting a hazardous waste characteristic,
                  including, without limitation, corrosivity, ignitability,
                  toxicity or reactivity as well as any radioactive or explosive
                  materials; and (e) any raw materials, building components
                  (including, without limitation, asbestos-containing materials)
                  and manufactured products containing hazardous substances
                  listed or classified as such under Environmental Laws.


                                       18
<PAGE>
            "HEDGE AGREEMENTS": All obligations of any Person in respect of
                  interest rate swap agreements, currency swap agreements and
                  other similar agreements designed to hedge against
                  fluctuations in interest rates or foreign exchange rates.

            "INDEBTEDNESS": Without duplication, all obligations, contingent and
                  otherwise, that in accordance with GAAP should be classified
                  upon the balance sheet of any Borrower and/or the consolidated
                  balance sheet of the Borrowers as liabilities, other than
                  trade payables, deferred rent, or accrued expenses incurred in
                  the ordinary course of business or to which reference should
                  be made by footnotes thereto, including in any event and
                  whether or not so classified:

                        (a) All obligations in respect of money borrowed
                  (including any indebtedness which is non-recourse to the
                  credit of such Person but which is secured by an Encumbrance
                  on any asset of such Person) whether or not evidenced by a
                  promissory note, bond, debenture or other written obligation
                  to pay money.

                        (b) All obligations evidenced by bonds, notes,
                  debentures or other similar instruments.

                        (c) All obligations in connection with Hedge Agreements.

                        (d) All obligations in connection with any letter of
                  credit or acceptance transaction (including, without
                  limitation, the face amount of all letters of credit and
                  acceptances issued for the account of such Person or
                  reimbursement on account of which such Person would be
                  obligated).

                        (e) All obligations in connection with the sale or
                  discount of accounts receivable or chattel paper of such
                  Person.

                        (f) All obligations on account of deposits or advances
                  other than deferred rent incurred in the ordinary course of
                  business.

                        (g) All obligations as lessee under Capital Leases; and

                        (h) All obligations in connection with any sale and
                  leaseback transaction.

                              "Indebtedness" also includes:

                              (x) Indebtedness of others secured by an
                        Encumbrance on any asset of such Person, whether or not
                        such Indebtedness is assumed by such Person.

                              (y) Any guaranty, endorsement, suretyship or other
                        undertaking pursuant to which that Person may be liable
                        in respect of Indebtedness of any third party; and


                                       19
<PAGE>
                              (z) The Indebtedness of a partnership or joint
                        venture for which such Person is liable as a general
                        partner or joint venturer.

            "INDEMNIFIED PERSON": Is defined in Section 20.15.

            "INFORMATION": Is defined in Section 20.3.

            "INSTRUMENTS": Has the meaning given that term in the UCC.

            "INTERCOMPANY NOTES": The promissory notes and other evidences of
                  Indebtedness amongst the Loan Parties outstanding from time to
                  time. The Intercompany Notes outstanding as of the Effective
                  Date are set forth on EXHIBIT 1.3 hereto.

            "INTEREST EXPENSE": Total interest expense generated during the
                  period in question (including attributable to conditional
                  sales contracts, Capital Leases and other title retention
                  agreements in accordance with GAAP) of the Borrowers on a
                  consolidated basis with respect to all outstanding
                  Indebtedness including accrued interest and interest paid in
                  kind and capitalized interest, fees, commissions, discounts
                  and other fees owed with respect to letters of credit and
                  bankers' acceptance financing, and net costs under Hedge
                  Agreements.

            "INTEREST PAYMENT DATE": With reference to:

                        Each LIBOR Loan: The last day of the Interest Period
                  relating thereto (and on the last day of the third month for
                  any such loan which has a six month Interest Period); the
                  Termination Date; and the End Date.

                        Each Base Margin Loan: The first day of each [August,
                  November, February and May]; the Termination Date; and the End
                  Date.

            "INTEREST PERIOD": The following:

                        (a) With respect to each LIBOR Loan: Subject to
                  Subsection (c), below, the period commencing on the date of
                  the making or continuation of, or conversion to, the subject
                  LIBOR Loan and ending one, two, three, or six months
                  thereafter, as the Lead Borrower may elect by notice (pursuant
                  to Section 2.5) to the Administrative Agent

                        (b) With respect to each Base Margin Loan: Subject to
                  Subsection (c), below, the period commencing on the date of
                  the making or continuation of or conversion to such Base
                  Margin Loan and ending on that date (i) as of which the
                  subject Base Margin Loan is converted to a LIBOR Loan, as the
                  Lead Borrower may elect by notice (pursuant to Section 2.5) to
                  the Administrative Agent, or (ii) on which the subject Base
                  Margin Loan is paid by the Borrowers.

                        (c) The setting of Interest Periods is in all instances
                  subject to the following:


                                       20
<PAGE>
                        (i)   Any Interest Period for a Base Margin Loan which
                              would otherwise end on a day which is not a
                              Business Day shall be extended to the next
                              succeeding Business Day.

                        (ii)  Any Interest Period for a LIBOR Loan which would
                              otherwise end on a day that is not a Business Day
                              shall be extended to the next succeeding Business
                              Day, unless that succeeding Business Day is in the
                              next calendar month, in which event such Interest
                              Period shall end on the last Business Day of the
                              month during which the Interest Period ends.

                        (iii) Subject to Subsection (iv), below, any Interest
                              Period applicable to a LIBOR Loan, which Interest
                              Period begins on a day for which there is no
                              numerically corresponding day in the calendar
                              month during which such Interest Period ends,
                              shall end on the last Business Day of the month
                              during which that Interest Period ends.

                        (iv)  Any Interest Period which would otherwise end
                              after the Termination Date shall end on the
                              Termination Date.

                        (v)   The number of Interest Periods in effect at any
                              one time is subject to Section 2.12 hereof.

            "INVENTORY": Includes, without limitation, "inventory" as defined in
                  the UCC and also all: (a) Goods which are leased by a Person
                  as lessor; are held by a Person for sale or lease or to be
                  furnished under a contract of service; are furnished by a
                  Person under a contract of service; or consist of raw
                  materials, work in process, or materials used or consumed in a
                  business; (b) Goods of said description in transit; (c) Goods
                  of said description which are returned, repossessed and
                  rejected; (d) packaging, advertising, and shipping materials
                  related to any of the foregoing; (e) all names, marks, and
                  General Intangibles affixed or to be affixed or associated
                  thereto; and (f) Documents and Documents of Title which
                  represent any of the foregoing.

            "INVENTORY ADVANCE RATE": The following percentages of the Cost of
                  Eligible Inventory of the Borrowers specified below for the
                  periods indicated:


                                       21
<PAGE>
<TABLE>
<CAPTION>
Period                     Inventory Advance Rate
------                     ----------------------
<S>                        <C>
January 1 through March    79%
31 of each year
April 1 through October    83%
14 of each year
October 15 through         79%
December 31 of each year
</TABLE>


            Any Inventory Advance Rate may be increased by the Collateral Agent
            from time to time in its sole discretion by an amount not to exceed
            two percent (2%) from the rates set forth above. Without limiting
            the generality of the Collateral Agent's discretion, the increase of
            an Inventory Advance Rate by the Collateral Agent shall not obligate
            the Collateral Agent to maintain such increased Inventory Advance
            Rate for any specific period of time and the Collateral Agent may
            reduce the Inventory Advance Rate (but not below the levels set
            forth in the above table) at any time in their sole discretion. The
            increase of the Inventory Advance Rate by the Collateral Agent on
            any one occasion shall not obligate them to increase the Inventory
            Advance Rate on any other occasion.

            "INVENTORY RESERVES": Without duplication, such Reserves as may be
                  established from time to time by the Collateral Agent in the
                  Collateral Agent's reasonable, good faith discretion with
                  respect to the determination of the saleability, at retail, of
                  the Eligible Inventory or which reflect such other factors as
                  affect the market value of the Eligible Inventory. The
                  Collateral Agent shall furnish the Lead Borrower with notice
                  two (2) Business Days prior to imposing or changing any
                  Inventory Reserve (unless a Specified Event of Default then
                  exists and is continuing, in which event no prior notice shall
                  be required). Without limiting the rights of the Collateral
                  Agent to establish or modify Inventory Reserves, the initial
                  Inventory Reserves on the Effective Date shall be the
                  following:

                        (a)   Shrinkage.

                        (b)   Consigned Inventory.

                        (c)   Damaged Goods.

            "INVESTMENT PROPERTY": Has the meaning given that term in the UCC.

            "ISSUER": The issuer of any L/C or Banker's Acceptance. The Issuer
                  shall be NCB or such other Revolving Credit Lender (or
                  Affiliate of a Revolving Credit Lender) as the Lead Borrower
                  (with the consent of the Administrative Agent, which consent
                  shall not be unreasonably withheld) may select.


                                       22
<PAGE>
            "L/C": Any letter of credit issued pursuant to this Agreement.
                  Without limitation, Existing L/Cs shall be deemed to be L/Cs
                  issued under this Agreement and shall be entitled to all of
                  the benefits hereof.

            "L/C LANDING COSTS": To the extent not included in the Stated Amount
                  of an L/C or a Banker's Acceptance, customs, duty, freight,
                  and other out-of-pocket costs and expenses which will be
                  expended to "land" the Inventory, the purchase of which is
                  supported by such L/C or Banker's Acceptance.

            "L/C FEES": The fees payable in respect of L/Cs pursuant to Section
                  2.18.

            "LEAD ARRANGER": NCB.

            "LEAD BORROWER": Defined in the Preamble.

            "LEASE": Any lease or other agreement, no matter how styled or
                  structured, pursuant to which a Borrower is entitled to the
                  use or occupancy of any space.

            "LEASEHOLD INTEREST": Any interest of a Borrower as lessee under any
                  Lease.

            "LENDERS' SPECIAL COUNSEL": A single counsel, selected by the
                  Majority Lenders following the occurrence of an Event of
                  Default, to represent the interests of the Revolving Credit
                  Lenders in connection with the enforcement, attempted
                  enforcement, or preservation of any rights and remedies under
                  this, or any other Loan Document, as well as in connection
                  with any "workout", forbearance, or restructuring of the
                  credit facility contemplated hereby.

            "LETTER-OF-CREDIT RIGHT": Has the meaning given that term in UCC and
                  also refers to any right to payment or performance under an
                  L/C, whether or not the beneficiary has demanded or is at the
                  time entitled to demand payment or performance.

            "LIABILITIES": Includes, without limitation, the following:

                        (a) All and each of the following, arising under this
                  Agreement or under any of the other Loan Documents, whether
                  now existing or hereafter arising:

                        (i)   Any and all direct and indirect liabilities,
                              debts, and obligations of each Borrower to any
                              Agent or any Revolving Credit Lender, each of
                              every kind, nature, and description.

                        (ii)  Each obligation to repay any loan, advance,
                              indebtedness, note, obligation, overdraft, or
                              amount now or hereafter owing by any Borrower to
                              each Agent or any Revolving Credit Lender
                              (including all future advances whether or not made
                              pursuant to a commitment by the Agent or any


                                       23
<PAGE>
                              Revolving Credit Lender), whether or not any of
                              such are liquidated, unliquidated, primary,
                              secondary, secured, unsecured, direct, indirect,
                              absolute, contingent, or of any other type,
                              nature, or description, or by reason of any cause
                              of action which any Agent or any Revolving Credit
                              Lender may hold against any Borrower.

                        (iii) All notes and other obligations of each Borrower
                              now or hereafter assigned to or held by any Agent
                              or any Revolving Credit Lender, each of every
                              kind, nature, and description.

                        (iv)  All interest, fees, and charges and other amounts
                              which may be charged by any Agent or any Revolving
                              Credit Lender to any Borrower and/or which may be
                              due from any Borrower to any Agent or any
                              Revolving Credit Lender from time to time.

                        (v)   All reasonable costs and expenses incurred or paid
                              by any Agent or any Revolving Credit Lender in
                              respect of any agreement between any Borrower and
                              any Agent or any Revolving Credit Lender or
                              instrument furnished by any Borrower to any Agent
                              or any Revolving Credit Lender (including, without
                              limitation, Costs of Collection, reasonable
                              attorneys' fees, and all court and litigation
                              costs and expenses).

                        (vi)  Any and all covenants of each Borrower to or with
                              any Agent or any Revolving Credit Lender and any
                              and all obligations of each Borrower to act or to
                              refrain from acting in accordance with any
                              agreement between that Borrower and any Agent or
                              any Revolving Credit Lender or instrument
                              furnished by that Borrower to any Agent or any
                              Revolving Credit Lender.

                        (vii) Each of the foregoing as if each reference to the
                              "any Agent or any Revolving Credit Lender" were to
                              each Affiliate of each Agent.

                        (b) Any and all direct or indirect liabilities, debts,
                  and obligations of each Borrower to any Agent or any Affiliate
                  of any Agent, each of every kind, nature, and description
                  owing on account of any service or accommodation provided to,
                  or for the account of any Borrower pursuant to this or any
                  other Loan Document, including cash management services, Hedge
                  Agreements, and the issuances of L/C's and Banker's
                  Acceptances.


                                       24
<PAGE>
            "LIBOR BUSINESS DAY": Any day which is both a Business Day and a day
                  on which the London interbank market in which NCB participates
                  is open for dealings in United States Dollar deposits.

            "LIBOR LOAN": Any Revolving Credit Loan which bears interest at a
                  LIBOR Rate.

            "LIBOR MARGIN": The Applicable Margin for LIBOR Loans.

            "LIBOR OFFER RATE": For any Interest Period for LIBOR Loans, the
                  quotient (rounded upwards, if necessary, to the next 1/100 of
                  1%) of : (x) the per annum rate of interest determined by the
                  Administrative Agent in accordance with its usual procedures
                  (which determination shall be conclusive absent manifest
                  error) as of approximately 11:00 a.m. (London time) two LIBOR
                  Business Days prior to the beginning of such Interest Period
                  pertaining to such LIBOR Loan, as provided by Bloomberg's or
                  Reuters (or any similar company or service that provides rate
                  quotations comparable to those currently provided by such
                  companies as the rate in the London interbank market) as the
                  rate in the London interbank market for deposits in U.S.
                  Dollars in immediately available funds with a maturity
                  comparable to such Interest Period divided by (y) a number
                  equal to 1.00 minus the Eurocurrency Reserve Percentage. In
                  the event that such rate quotation is not available for any
                  reason, then the rate (for purposes of clause (x) hereof)
                  shall be the rate, determined by the Administrative Agent as
                  of approximately 11:00 a.m. (London time) two LIBOR Business
                  Days prior to the beginning of such Interest Period pertaining
                  to such LIBOR Loan, to be the average (rounded upwards, if
                  necessary, to the next 1/100 of 1%) of the per annum rates at
                  which deposits in U.S. Dollars in immediately available funds
                  in an amount comparable to NCBC's Revolving Credit Commitment
                  Percentage of such LIBOR Loan and with a maturity comparable
                  to such Interest Period are offered to the prime banks by
                  leading banks in the London interbank market. The LIBOR Offer
                  Rate shall be adjusted automatically on and as of the
                  effective date of any change in the Eurocurrency Reserve
                  Percentage.

            "LIBOR RATE": That per annum rate which is the aggregate of the
                  LIBOR Offer Rate plus the LIBOR Margin.

            "LIQUIDATION": The exercise, by the Collateral Agent, of those
                  rights accorded to the Collateral Agent under the Loan
                  Documents as a creditor of the Borrowers following and on
                  account of the occurrence and continuance of an Event of
                  Default looking towards the realization on the Collateral.
                  Derivations of the word "Liquidation" (such as "Liquidate")
                  are used with like meaning in this Agreement.

            "LOAN ACCOUNT": Is defined in Section 2.9.

            "LOAN COMMITMENT": With respect to each Revolving Credit Lender,
                  that respective Revolving Credit Lender's Revolving Credit
                  Dollar Commitment.


                                       25
<PAGE>
            "LOAN DOCUMENTS": This Agreement, the Facility Guarantee, the
                  Facility Guarantors Collateral Documents, and each other
                  instrument or document from time to time executed and/or
                  delivered in connection with the arrangements contemplated
                  hereby or in connection with any transaction with any Agent or
                  any Affiliate of any Agent related to this Agreement,
                  including, without limitation, any transaction which arises
                  out of any cash management, depository, investment, banker's
                  acceptance, letter of credit, interest rate protection, Hedge
                  Agreement, or other services provided by any Agent or any
                  Affiliate of any Agent, as each may be amended from time to
                  time.

            "LOAN PARTY OR LOAN PARTIES": Collectively, the Borrowers and the
                  Facility Guarantors.

            "MAJORITY LENDERS": (a) If there are two or fewer Revolving Credit
                  Lenders who are not Delinquent Revolving Credit Lenders: All
                  Revolving Credit Lenders who are not Delinquent Revolving
                  Credit Lenders.

                        (b) If there are three or more Revolving Credit Lenders
                  who are not Delinquent Revolving Credit Lenders: Revolving
                  Credit Lenders (other than Delinquent Revolving Credit
                  Lenders) holding at least 51% of the Revolving Credit
                  Commitment Percentages of the Revolving Credit Dollar
                  Commitments of Revolving Credit Lenders who are not Delinquent
                  Revolving Credit Lenders.

            "MATERIAL ACCOUNTING CHANGE": Any change in GAAP applicable to
                  accounting periods subsequent to the Borrowers' fiscal year
                  most recently completed prior to the execution of this
                  Agreement, which change has a material effect on the
                  Borrowers' Consolidated financial condition or operating
                  results, as reflected on financial statements and reports
                  prepared by or for the Borrowers and their Subsidiaries, when
                  compared with such condition or results as if such change had
                  not taken place.

            "MATERIAL ADVERSE EFFECT": A material adverse effect on (a) the
                  business, operations, property, assets, or financial condition
                  of the Loan Parties taken as a whole, or (b) the validity or
                  enforceability of this Agreement or any of the other Loan
                  Documents or any of the material rights or remedies of the
                  Agent or the Revolving Credit Lenders hereunder or thereunder.

            "MATURITY DATE": June __, 2010.

            "NCB": National City Bank, a national banking association.

            "NCBC": National City Business Credit, Inc., an Ohio corporation.

            "NET INCOME": The net income (or loss) of the Borrowers on a
                  consolidated basis for such period taken as a single
                  accounting period determined in conformity with GAAP;
                  provided, that there shall be excluded (i) the income (or
                  loss) of any


                                       26
<PAGE>
                  Person in which any other Person (other than the Borrowers)
                  has a joint interest, except to the extent of the amount of
                  dividends or other distributions actually paid to the
                  Borrowers by such Person during such period, (ii) the income
                  (or loss) of any Person accrued prior to the date it becomes a
                  Borrower or is merged into or consolidated with a Borrower or
                  that Person's assets are acquired by a Borrower, and (iii) the
                  income of any Subsidiary of the Borrowers to the extent that
                  the declaration or payment of dividends or similar
                  distributions of that income by that Subsidiary is not at the
                  time permitted by operation of the terms of the charter or any
                  agreement, instrument, judgment, decree, order, statute, rule
                  or governmental regulation applicable to that Subsidiary.

            "NOMINEE": A business entity (such as a corporation or limited
                  partnership) formed by the Collateral Agent to own or manage
                  any Post Foreclosure Asset.

            "OPERATING ACCOUNT": Is defined in Section 8.3.

            "OVERLOAN": A loan, advance, or providing of credit support (such as
                  the issuance of any L/C) to the extent that, immediately after
                  its having been made, DSW Availability is less than zero.

            "PARENT": Retail Ventures, Inc., an Ohio corporation.

            "PARTICIPANT": Is defined in Section 20.18, hereof.

            "PAYMENT INTANGIBLE": As defined in the UCC and also any general
                  intangible under which the Account Debtor's primary obligation
                  is a monetary obligation.

            "PERMITTED ACQUISITION": (i) Any Acquisition the cash consideration
                  for which is less than $3,000,000 in the aggregate in any
                  fiscal year of the Borrowers and their Subsidiaries and which
                  satisfies the conditions set forth in clauses (f), (g), (h),
                  and (i) below, and (ii) any other Acquisition in which each of
                  the following conditions are satisfied:

                        (a) No Default or Event of Default then exists or would
                  arise from the consummation of such Acquisition.

                        (b) Such Acquisition shall have been approved by the
                  Board of Directors of the Person (or similar governing body if
                  such Person is not a corporation) which is the subject of such
                  Acquisition and such Person shall not have announced that it
                  will oppose such Acquisition or shall not have commenced any
                  action which alleges that such Acquisition will violate
                  applicable law.

                        (c) The Lead Borrower shall have furnished the
                  Collateral Agent with ten (10) days prior notice of such
                  intended Acquisition and shall have furnished the Collateral
                  Agent with a current draft of the acquisition agreement and
                  other acquisition documents, a summary of any due diligence
                  undertaken by the


                                       27
<PAGE>
                  Borrowers in connection with such Acquisition, appropriate
                  financial statements of the Person which is the subject of
                  such Acquisition, pro forma projected financial statements for
                  the twelve month period following such Acquisition after
                  giving effect to such Acquisition (including balance sheets,
                  cash flows and income statements by month for the acquired
                  Person, individually, and on a consolidated basis with all
                  Loan Parties), and such other information as the Collateral
                  Agent may reasonably require, each of which shall be
                  reasonably satisfactory to the Collateral Agent.

                        (d) The structure of the Acquisition shall be acceptable
                  to the Collateral Agent in its reasonable judgment. If an
                  Acquisition of capital stock or other equity interests, after
                  consummation of such Acquisition, a Borrower shall own
                  directly or indirectly a majority of the equity interests in
                  the Person being acquired and shall control a majority of any
                  voting interests, and/or shall otherwise Control the Person
                  being acquired.

                        (e) The Collateral Agent shall have received (i) the
                  results of appraisals of the assets (or the assets of the
                  Person) to be acquired in such Acquisition and of a commercial
                  finance examination of the Person which is (or whose assets
                  are) being acquired, and (ii) such other due diligence as the
                  Collateral Agent may reasonably require, all of the results of
                  the foregoing to be reasonably satisfactory to the Collateral
                  Agent.

                        (f) Any assets acquired shall be utilized in, and if the
                  Acquisition involves a merger, consolidation or stock
                  acquisition, the Person which is the subject of such
                  Acquisition shall be engaged in, only those businesses
                  permitted under Section 5.19, below.

                        (g) If the Person which is the subject of such
                  Acquisition is a Subsidiary of a Borrower, such Subsidiary
                  shall have executed such documents as may be necessary to be
                  joined as a "Borrower" or "Facility Guarantor" hereunder, as
                  determined by the Collateral Agent, and the Collateral Agent
                  shall have received a first priority security and mortgage
                  interest (subject to Permitted Encumbrances) in such
                  Subsidiary's capital stock, inventory, accounts, equipment,
                  real estate, leaseholds, and other property of the same nature
                  as constitutes Collateral under this Agreement in order to
                  secure the Liabilities.

                        (h) The total consideration paid for all Acquisitions
                  (whether in cash, tangible property, notes or other property
                  (other than capital stock of the Parent)) after the Effective
                  Date, shall not exceed in the aggregate the sum of
                  $30,000,000.

                        (i) Excess Availability immediately prior to such
                  Acquisition, immediately after giving effect thereto, and
                  projected Excess Availability on a pro forma projected basis
                  for the twelve months immediately following such Acquisition,
                  shall not be less than $40,000,000.


                                       28
<PAGE>
            "PERMITTED DISPOSITION": Shall mean any of the following:

                        (a) Licenses of intellectual property or licensed or
                  leased departments of a Loan Party or any of its Subsidiaries
                  in the ordinary course of business or to another Loan Party;

                        (b) Leases or subleases of Leases, to the extent at any
                  point in time such Lease or subleases have anticipated minimum
                  fixed annual rental payments of not more than $3,000,000 in
                  the aggregate;

                        (c) Sales, assignments, transfers, conveyances or other
                  dispositions of any or all of the property specified in
                  EXHIBIT 1.7 hereof; provided that in connection with a sale or
                  similar disposition of any such property, if a Loan Party
                  receives a note or similar obligations as all or part of the
                  consideration therefor, such Loan Party shall secure such note
                  or obligation with a mortgage or similar Lien on such property
                  and pledge such note or other obligation to the Collateral
                  Agent as security for the Liabilities pursuant to the terms of
                  the Loan Documents;

                        (d) Sales of Inventory and Equipment in connection with
                  store closures permitted in accordance with the provisions of
                  Section 5.4(c) hereof, provided that all sales of Inventory in
                  connection with store closings (1) after the occurrence and
                  during the continuance of an Event of Default, or (2)
                  consisting of more than fifteen (15) retail stores at the same
                  time, shall be in accordance with liquidation agreements and
                  with liquidators reasonably acceptable to the Collateral
                  Agent;

                        (e) the sale, lease or transfer of any property to any
                  Loan Party; and

                        (f) (i) the sale of any property, land or building
                  (including any related receivables or other intangible assets)
                  to any Person which is not a Subsidiary of the Borrowers, or
                  (ii) the sale of the entire capital stock (or other equity
                  interests) and Indebtedness of any Subsidiary owned by a Loan
                  Party to any Person which is not a Subsidiary of a Borrower,
                  or (iii) the consummation of any other asset sale with a
                  Person who is not a Subsidiary of a Borrower, provided that,
                  in each case ((i)-(iii)) :

                        A.    the consideration for such transaction represents
                              fair value, and at least 90% of such consideration
                              consists of cash, provided that in connection with
                              a sale or similar disposition of any such
                              Property, if a Loan Party receives a note or
                              similar obligations as all or part of the
                              consideration therefor, such Loan Party shall
                              secure such note or obligation with a mortgage or
                              similar Lien on such Property and pledge such note
                              or other obligation to the Collateral Agent as
                              security for the Liabilities pursuant to the terms
                              of the Loan Documents;


                                       29
<PAGE>
                        B.    the aggregate consideration for all such
                              transactions completed in any fiscal year does not
                              exceed $500,000,

                        C.    the aggregate consideration for all such
                              transactions completed after the Effective Date
                              does not exceed $1,500,000, and

                        D.    other than in connection with a transaction, the
                              aggregate consideration for which is equal to an
                              amount less than $500,000, at least five (5)
                              Business Days prior to the date of completion of
                              such transaction such Loan Party shall have
                              delivered to the Agent an officer's certificate
                              executed on behalf of such Loan Party by an
                              Authorized Officer of such Loan Party, which
                              certificate shall contain a description of the
                              proposed transaction, the date such transaction is
                              scheduled to be consummated, the estimated
                              purchase price or other consideration for such
                              transaction, financial information pertaining to
                              compliance with the preceding clause (A), and
                              which shall (if requested by the Agent) include a
                              certified copy of the draft or definitive
                              documentation pertaining thereto.

            "PERMITTED ENCUMBRANCES": Shall mean any of the following:

                        (a) Encumbrances for taxes not yet delinquent or which
                  are being contested in good faith by appropriate proceedings,
                  provided that adequate reserves with respect thereto are
                  maintained on the books of the Borrowers in accordance with
                  GAAP, and provided further that, no notice of tax lien has
                  been filed with respect thereto;

                        (b) Encumbrances in respect of property or assets
                  imposed by law in the ordinary course of business, such as
                  carrier's, warehousemen's, mechanics', materialmen's,
                  repairmen's, landlord's or similar Encumbrances arising in the
                  ordinary course of business which (i) are not overdue in
                  accordance with customary business practices and consistent
                  with the applicable Loan Party's prior practices, and do not
                  in the aggregate materially detract from the value of such
                  property or assets or materially impair the use thereof in the
                  operation of the business of the Loan Parties, or (ii) are
                  being contested in good faith by a Loan Party, by appropriate
                  proceedings diligently instituted and conducted and without
                  danger of any material risk to the Collateral and adequate
                  reserves or other appropriate provision, if any, as shall be
                  required in conformity with GAAP shall have been made
                  therefor;

                        (c) Encumbrances, pledges or deposits in connection with
                  workers' compensation, unemployment insurance and other types
                  of social security;

                        (d) Deposits to secure the performance of tenders, bids,
                  sales, trade and government contracts, leases, statutory
                  obligations, surety, appeal, and supersedeas bonds, warranty,
                  advance payment, customs, performance and return-


                                       30
<PAGE>
                  of-money bonds and other obligations of a like nature in the
                  ordinary course of business (exclusive of obligations in
                  respect of the payment of borrowed money) whether pursuant to
                  statutory requirements, common law or consensual arrangements;

                        (e) Easements, rights of way, leases, zoning or deed
                  restrictions, licenses, covenants, building, restrictions,
                  minor defects or irregularities in title and other similar
                  real estate encumbrances incurred in the ordinary course of
                  business that in the aggregate do not materially interfere
                  with the conduct of the business of the Loan Parties; defects
                  and irregularities in titles, survey exceptions, encumbrances,
                  easements or reservations of others for rights-of-way, roads,
                  pipelines, railroad crossings, services, utilities or other
                  similar purposes; outstanding mineral rights or reservations
                  (including rights with respect to the removal of material
                  resource) which do not materially diminish the value of the
                  surface estate, assuming usage of such surface estate similar
                  to that being carried on by any Loan Party as of the effective
                  date;

                        (f) Any interest or title of a lessor under any lease
                  entered into by any Loan Party in the ordinary course of
                  business not in violation of the Loan Documents;

                        (g) Any interest or title of any lessee under any leases
                  or subleases of real property of a Loan Party not in violation
                  of the requirements of the Loan Documents, provided that all
                  such Encumbrances do not in the aggregate materially detract
                  from the value of such Loan Party's property or materially
                  impair the use thereof in the operation of such Loan Party's
                  business;

                        (h) Encumbrances arising from financing statements
                  regarding property subject to Capital Leases not in violation
                  of the requirements of the Loan Documents, provided that such
                  Encumbrances are only in respect of the property subject to,
                  and secure only, the respective lease;

                        (i) Rights of consignors of goods to a Loan Party as
                  consignee;

                        (j) Encumbrances arising from judgments, decrees or
                  attachments in existence less than 30 days after the entry
                  thereof, with respect to which execution has been stayed and
                  with respect to which payment in full above any applicable
                  deductible is covered by insurance or a bond, or in
                  circumstances not constituting an Event of Default under
                  section 11.10(a);

                        (k) Encumbrances created by this Agreement or the other
                  Loan Documents;

                        (l) Encumbrances (i) listed on EXHIBIT 4.5(A), annexed
                  hereto, or (ii) arising out of the refinancing, extension,
                  renewal or refunding of any Indebtedness secured by any such
                  Encumbrances, provided that the principal


                                       31
<PAGE>
                  amount of such Indebtedness is not increased and such
                  Indebtedness is not secured by any additional assets;

                        (m) Encumbrances which are placed upon Equipment or
                  improvements to real property (including the associated real
                  property) used in the ordinary course of business of a Loan
                  Party or any Subsidiary (i) at the time of (or within 90 days
                  after) the acquisition of such Equipment or the completion of
                  such improvements by such Loan Party or any such Subsidiary to
                  secure Indebtedness incurred to pay or finance all or a
                  portion of the purchase price or other cost thereof, provided
                  that the Encumbrance on the Equipment so acquired or the real
                  property so improved does not encumber any other asset of such
                  Loan Party or any such Subsidiary; or (ii) are existing on
                  Equipment or real property at the time acquired by a Loan
                  Party or any Subsidiary or on assets of a Person at the time
                  such Person first becomes a Subsidiary of the Borrower;
                  provided that (A) any such Encumbrances were not created at
                  the time of or in contemplation of the acquisition of such
                  assets or Person by a Loan Party or any Subsidiaries; (B) in
                  the case of any such acquisition of a Person, any such
                  Encumbrance attaches only to the Equipment or real estate, as
                  applicable, of such Person; and (C) in the case of any such
                  acquisition of Equipment or real estate by a Loan Party or any
                  Subsidiary, any such Encumbrance attaches only to the property
                  and assets so acquired and not to any other property or assets
                  of such Loan Party or any such Subsidiary; provided that the
                  Encumbrances outstanding from time to time under this clause
                  (m) shall not secure any Indebtedness other than Permitted
                  Indebtedness described in clause (c) of such definition;

                        (n) Encumbrances securing Indebtedness assumed in
                  connection with, or continuing to exist after, but not
                  incurred in connection with, or contemplation of, a Permitted
                  Acquisition, which Encumbrances were in effect prior to the
                  consummation of the Permitted Acquisition, provided that such
                  Encumbrances may not extend to any Accounts, Inventory, or
                  General Intangibles of the Loan Parties or of the Person so
                  acquired; and

                        (o) An Encumbrance granted by any Loan Party in
                  connection with the Senior Non-Convertible Facility.

            The inclusion of the foregoing as "Permitted Encumbrances" shall not
            limit or impair the right of the Collateral Agent to impose Reserves
            on account thereof in accordance with the provisions of this
            Agreement.

            "PERMITTED INDEBTEDNESS": Shall mean any of the following:

                        (a) Indebtedness incurred under this Agreement and the
                  other Loan Documents including any Indebtedness on account of
                  the Revolving Credit.

                        (b) Indebtedness on account of Equipment or improvements
                  to real property acquired in compliance with the requirements
                  of subparagraph (m) of the


                                       32
<PAGE>
                  definition of Permitted Encumbrances, the incurrence of which
                  would not otherwise be prohibited by this Agreement; provided
                  that such Indebtedness shall not exceed $10,000,000 in the
                  aggregate at any time outstanding for all Loan Parties and,
                  with respect to the Parent only, shall not exceed $5,000,000
                  in the aggregate outstanding at any time;

                        (c) (i) Indebtedness consisting of all obligations of a
                  Loan Party or any Subsidiary as lessee under Capital Leases,
                  and

                        (ii) Indebtedness consisting of all obligations of a
                  Loan Party or any Subsidiary under any lease (i) which is
                  accounted for by the lessee as an operating lease and (ii)
                  under which the lessee is intended to be the "owner" of the
                  leased property for Federal income tax purposes;

                  provided that (A) at the time of any incurrence thereof after
                  the date hereof, and after giving effect thereto, no Event of
                  Default shall have occurred and be continuing or would result
                  therefrom; and (B) the aggregate outstanding principal amount
                  (using the obligations in lieu of principal amount, in the
                  case of any Capital Lease, or present value, based on the
                  implicit interest rate, in lieu of principal amount, in the
                  case of any lease described above in part (ii)) of
                  Indebtedness permitted by this clause (d) shall not exceed
                  $10,000,000 in the aggregate principal amount outstanding at
                  any time for all Loan Parties and, with respect to the Parent
                  only, shall not exceed $5,000,000 in the aggregate principal
                  amount outstanding at any time.

                        (d) Indebtedness of the Loan Parties and any Subsidiary
                  under Hedge Agreements other than for speculative purposes
                  with any Revolving Credit Lender or an Affiliate of a
                  Revolving Credit Lender.

                        (e) The Indebtedness listed on EXHIBIT 4.6, annexed
                  hereto;

                        (f) Indebtedness to sellers in connection with Permitted
                  Acquisitions;

                        (g) Intercompany indebtedness between and among the Loan
                  Parties (other than the Parent) pursuant to loans and advances
                  permitted in accordance with Subsection 5.17(f), below, and
                  intercompany Indebtedness due to the Parent by any other Loan
                  Party to the extent permitted hereunder;

                        (h) Indebtedness with respect to indemnities,
                  warranties, statutory obligations, and surety, appeal and
                  supersedeas bonds incurred in the ordinary course of business;

                        (i) Indebtedness in respect of overdraft protections and
                  otherwise in connection with deposit accounts;


                                       33
<PAGE>
                        (j) Indebtedness arising out of the refinancing,
                  extension, renewal or refunding of any Indebtedness permitted
                  under this Agreement, provided that the principal amount of
                  such Indebtedness is not increased from the amount outstanding
                  at the time of such refinancing;

                        (k) Indebtedness owed by the Parent to any of the other
                  Loan Parties in an amount not to exceed $5,000,000 (less
                  amounts paid under Section 5.16(a) hereof) in the aggregate at
                  any time outstanding; and

                        (l) Intercompany Indebtedness between and among the Loan
                  Parties as evidenced by the Intercompany Notes.

            "PERMITTED INVESTMENTS": Shall mean each of the following:

                        (a) direct obligations of, or obligations the principal
                  of and interest on which are unconditionally guaranteed by,
                  the United States of America (or by any agency thereof to the
                  extent such obligations are backed by the full faith and
                  credit of the United States of America), in each case maturing
                  not more than one year from the date of acquisition thereof;

                        (b) investments in commercial paper maturing not more
                  than one year from the date of acquisition thereof and having,
                  at such date of acquisition, the highest credit rating
                  obtainable from Standard & Poors or from Moody's Investment
                  Services, Inc.;

                        (c) investments in certificates of deposit, banker's
                  acceptances and time deposits maturing not more than one year
                  from the date of acquisition thereof issued or guaranteed by
                  or placed with, and money market deposit accounts issued or
                  offered by, any domestic office of any financial institution
                  organized under the laws of the United States of America or
                  any State thereof that has a combined capital and surplus and
                  undivided profits of not less than $500,000,000;

                        (d) fully collateralized repurchase agreements with a
                  term of not more than 30 days for securities described in
                  clause (a) above (without regard to the limitation on maturity
                  contained in such clause) and entered into with a financial
                  institution satisfying the criteria described in clause (c)
                  above;

                        (e) marketable direct obligations issued by any state of
                  the United States of America or any political subdivision of
                  any such state or any public instrumentality thereof maturing
                  within one year from the date of acquisition thereof and, at
                  the time of acquisition, having one of the two highest ratings
                  obtainable from either Standard & Poors or from Moody's
                  Investment Services, Inc.;


                                       34
<PAGE>
                        (f) investments in money market funds, substantially all
                  the assets of which are comprised of securities of the types
                  described in clauses (a) through (e) above;

                        (g) investments acquired by a Loan Party or any of its
                  Subsidiaries (i) in exchange for any other investment held by
                  such Loan Party or any such Subsidiary in connection with or
                  as a result of a bankruptcy, workout, reorganization or
                  recapitalization of the issuer of such other investment, or
                  (ii) as a result of a foreclosure by such Loan Party or any of
                  its Subsidiaries with respect to any secured investment or
                  other transfer of title with respect to any secured investment
                  in default;

                        (h) investments by a Loan Party in the capital of any
                  wholly-owned subsidiary of such Loan Party, including without
                  limitation, any Permitted Acquisitions, provided that such
                  Loan Party has complied with the provisions of Section 5.21
                  hereof with respect to such Subsidiary;

                        (i) to the extent not permitted by the foregoing
                  clauses, existing investments in any Subsidiaries (and any
                  increases thereof attributable to increases in retained
                  earnings);

                        (j) to the extent not permitted by the foregoing
                  clauses, the existing investments described on EXHIBIT 1.6
                  hereto;

                        (k) investments of a Loan Party and any Subsidiary in
                  Hedge Agreements other than for speculative purposes;

                        (l) investments of any Person which are outstanding at
                  the time such Person becomes a Subsidiary of a Loan Party as a
                  result of a Permitted Acquisition, but not any increase in the
                  amount thereof unless otherwise permitted by this Agreement;
                  and

                        (m) any other investments (whether in the form of cash
                  or contribution of property, and if in the form of a
                  contribution of property, such property shall be valued for
                  purposes of this clause at the fair value thereof) in any
                  corporation, partnership, limited liability company, joint
                  venture or other business entity, which is not itself a
                  Subsidiary of a Borrower or owned or Controlled by any
                  director, officer or employee of a Borrower or any of its
                  Subsidiaries, not otherwise permitted by the foregoing
                  clauses, made after the Effective Date, shall be permitted to
                  be incurred if (i) no Event of Default shall have occurred and
                  be continuing, or would result therefrom, and (ii) the
                  aggregate cumulative amount of such investments (together with
                  any loans and advances permitted under Sections 5.6 and 5.17)
                  does not exceed $6,000,000;


                                       35
<PAGE>
            provided that, except for Excluded Property and loans to officers
            and directors, all such Permitted Investments are subject to a
            perfected Encumbrance in favor of the Collateral Agent.

            "PERSON": Any natural person, and any corporation, limited liability
                  company, trust, partnership, joint venture, or other
                  enterprise or entity.

            "POST FORECLOSURE ASSET": All or any part of the Collateral,
                  ownership of which is acquired by the Collateral Agent or a
                  Nominee on account of the "bidding in" at a disposition as
                  part of a Liquidation or by reason of a "deed in lieu" type of
                  transaction.

            "PROTECTIVE OVERADVANCES": Revolving Credit Loans which are
                  OverLoans, but as to which each of the following conditions is
                  satisfied: (a) when aggregated with all other Revolving Credit
                  Loans, SwingLine Loans, Protective OverAdvances and the Stated
                  Amount of L/Cs and Banker's Acceptances, the Revolving Credit
                  Ceiling is not exceeded; and (b) when aggregated with all
                  other Protective OverAdvances, such Revolving Credit Loans do
                  not aggregate more than $7,500,000; (c) such Protective
                  OverAdvances shall not remain outstanding for more than
                  forty-five (45) days in any period of one hundred eighty (180)
                  consecutive days, and (d) such Revolving Credit Loans are made
                  or undertaken in the Administrative Agent's reasonable, good
                  faith discretion (or as directed by the Collateral Agent) to
                  protect and preserve the interests of the Revolving Credit
                  Lenders. Overadvances on account of circumstances beyond the
                  control of the Agent (such as a drop in collateral value)
                  shall not be deemed "Protective Overadvances" and shall not be
                  subject to the limitations contained herein.

            "PROCEEDS": Includes, without limitation, "Proceeds" as defined in
                  the UCC.

            "RECEIPTS": All cash, cash equivalents, money, checks, credit card
                  slips, receipts and other Proceeds from any sale of the
                  Collateral.

            "RECEIVABLES COLLATERAL": That portion of the Collateral which
                  consists of Accounts, Payment Intangibles, Chattel Paper,
                  Instruments, Documents of Title, Documents, Investment
                  Property, Payment Intangibles, Letter-of-Credit Rights,
                  bankers' acceptances, and all other rights to payment.

            "RELATED BUSINESS": Any business or enterprise consisting of any of
                  the following:

                        (a)   asset maximization services.

                        (b)   asset valuation services.

            "RELEASE": Any spilling, leaking, pumping, pouring, emitting,
                  emptying, discharging, injecting, escaping, leaching, seeping,
                  migrating, dumping or disposing of any Hazardous Material
                  (including the abandonment or discarding of barrels,


                                       36
<PAGE>
                  containers and other closed receptacles containing any
                  Hazardous Material) into the indoor or outdoor environment,
                  including, without limitation, the movement of Hazardous
                  Materials through or in the ambient air, soil, surface or
                  ground water, or property, which is in violation of
                  Environmental Laws.

            "REGISTER": Is defined in Section 17.2(c).

            "REQUIREMENTS OF LAW": As to any Person:

                        (a) Applicable Law.

                        (b) That Person's organizational documents.

                        (c) That Person's by-laws and/or other instruments which
                  deal with corporate or similar governance, as applicable.

            "RESERVES": The following: Availability Reserves and Inventory
                  Reserves.

            "REVOLVING CREDIT": Is defined in Section 2.1.

            "REVOLVING CREDIT CEILING": $150,000,000.00.

            "REVOLVING CREDIT DOLLAR COMMITMENT": As set forth on EXHIBIT 2.22,
                  annexed hereto (as such amounts may change in accordance with
                  the provisions of this Agreement).

            "REVOLVING CREDIT LENDERS": Each Revolving Credit Lender to which
                  reference is made in the Preamble of this Agreement and any
                  other Person who becomes a "Revolving Credit Lender" in
                  accordance with the provisions of this Agreement.

            "REVOLVING CREDIT LOANS": Loans made under the Revolving Credit,
                  except that where the term "Revolving Credit Loan" is used
                  with reference to available interest rates applicable to the
                  loans under the Revolving Credit, it refers to so much of the
                  unpaid principal balance of the Loan Account as bears the same
                  rate of interest for the same Interest Period. (See Section
                  2.12(d)).

            "REVOLVING CREDIT NOTE": Is defined in Section 2.10.

            "REVOLVING CREDIT COMMITMENT PERCENTAGE": As set forth on EXHIBIT
                  2.22, annexed hereto (as such amounts may change in accordance
                  with the provisions of this Agreement).

            "SEC": The Securities and Exchange Commission.

            "SENIOR NON-CONVERTIBLE FACILITY": The credit facility set forth in
                  the Senior Subordinated Convertible Loan Agreement dated as of
                  March 15, 2000, amended from time to time prior to the
                  Effective Date and as amended and restated June


                                       37
<PAGE>
                  11, 2002, in the present principal amount of $75,000,000.00,
                  and as most recently amended and restated on the Effective
                  Date.

            "SPECIFIED EVENT OF DEFAULT": An Event of Default arising under any
                  of the following sections of this Agreement:

                        (a) Section 11.1.

                        (b) Section 11.2.

                        (c) Section 11.3 (with respect to Sections 5.16, 5.17,
                  and 5.20 , and Article 8 only).

                        (d) Section 11.5 (with respect to a breach of Sections
                  4.5 and 5.26 only).

                        (e) Section 11.6.

                        (f) Section 11.11.

                        (g) Section 11.12.

                        (h) Section 11.15.

            "STATED AMOUNT": The maximum amount for which an L/C or Banker's
                  Acceptance may be honored.

            "SUBSIDIARY": Any corporation, association, partnership, limited
                  liability company, trust, or other business entity of which
                  the designated parent shall at any time own directly or
                  indirectly through a Subsidiary or Subsidiaries at least a
                  majority (by number of votes or Controlling interests) of the
                  outstanding voting interests.

            "SUPERMAJORITY LENDERS": Revolving Credit Lenders (other than
                  Delinquent Revolving Credit Lenders) holding 66-2/3% or more
                  of the Revolving Credit Commitment Percentages (calculated
                  without regard to any Revolving Credit Commitment Percentage
                  of any Delinquent Revolving Credit Lender).

            "SUPPORTING OBLIGATION": Has the meaning given that term in the UCC
                  and also refers to a Letter-of-Credit Right or secondary
                  obligation which supports the payment or performance of an
                  Account, Chattel Paper, a Document, a General Intangible, an
                  Instrument, or Investment Property.

            "SWINGLINE": The facility pursuant to which the SwingLine Lender may
                  advance Revolving Credit Loans aggregating up to the SwingLine
                  Loan Ceiling.

            "SWINGLINE LENDER": NCBC.


                                       38
<PAGE>
            "SWINGLINE LOAN CEILING": $20,000,000.00 (subject to increase as
                  provided in Section 16.4(e)).

            "SWINGLINE LOANS": Defined in Section 2.8.

            "TERMINATION DATE": The earliest of (a) the Maturity Date; or (b)
                  the date of the occurrence of any event described in Section
                  11.12, below; or (c) the date designated as the Termination
                  Date in the Administrative Agent's notice to the Lead Borrower
                  setting the Termination Date on account of the occurrence of
                  any Event of Default other than as described in Section 11.12,
                  below; or (d) that date designated as the Termination Date,
                  thirty (30) days irrevocable written notice of which is
                  provided by the Lead Borrower to the Administrative Agent.

            "TRANSFER": Wire transfer pursuant to the wire transfer system
                  maintained by the Board of Governors of the Federal Reserve
                  Board, or as otherwise may be agreed to from time to time by
                  the Administrative Agent making such Transfer and the subject
                  Revolving Credit Lender. Wire instructions may be changed in
                  the same manner that Notice Addresses may be changed (Section
                  18.1), except that no change of the wire instructions for
                  Transfers to any Revolving Credit Lender shall be effective
                  without the consent of the Administrative Agent.

            "UCC": The Uniform Commercial Code as in effect from time to time in
                  the State of Ohio.

            "UNANIMOUS CONSENT": Consent of Revolving Credit Lenders (other than
                  Delinquent Revolving Credit Lenders) holding 100% of the Loan
                  Commitments (other than Loan Commitments held by a Delinquent
                  Revolving Credit Lender).

            "UNDERWRITING FEE": Is defined in Section 2.13.

            "UNRESTRICTED SUBSIDIARY": Those Subsidiaries of the Lead Borrower
                  described on EXHIBIT 1.5 hereto.

            "UNUSED LINE FEE": As defined in Section 2.14.

ARTICLE 2 - THE REVOLVING CREDIT:

      2.1. ESTABLISHMENT OF REVOLVING CREDIT

            (a) The Revolving Credit Lenders hereby establish a revolving line
of credit (the "REVOLVING CREDIT") in the Borrowers' favor pursuant to which
each Revolving Credit Lender, subject to, and in accordance with, this
Agreement, acting through the Administrative Agent, shall make loans and
advances and otherwise provide financial accommodations to and for the account
of the Borrowers as provided herein.

            (b) Loans, advances, and financial accommodations under the
Revolving Credit shall be made with reference to the DSW Borrowing Base and
shall be subject to DSW


                                       39
<PAGE>
Availability. The DSW Borrowing Base and DSW Availability shall be determined by
the Administrative Agent by reference to Borrowing Base Certificates furnished
as provided in Section 6.4, below, and shall be subject to the following:

            (i) Such determination shall take into account such Reserves as the
      Collateral Agent may determine as being applicable thereto.

            (ii) The Cost of Eligible Inventory will be determined in a manner
      consistent with current tracking practices, based on the Borrowers' stock
      ledgers inventory.

            (c) The commitment of each Revolving Credit Lender to provide such
loans, advances, and financial accommodations is subject to Section 2.22.

            (d) The proceeds of borrowings under the Revolving Credit shall be
used for the Borrowers' working capital and general corporate purposes
(including, intercompany loans), all solely to the extent permitted by this
Agreement. No proceeds of a borrowing under the Revolving Credit may be used,
nor shall any be requested, with a view towards the accumulation of any general
fund or funded reserve of the Borrowers other than in the ordinary course of the
Borrowers' business and consistent with the provisions of this Agreement.

      2.2.  ADVANCES IN EXCESS OF BORROWING BASE (OVERLOANS).

            (a) Except as provided in Section 16.3(a), no Revolving Credit
Lender has any obligation to any Borrower to make any loan or advance, or
otherwise to provide any credit to or for the benefit of any Borrower where the
result of such loan, advance, or credit is an OverLoan.

            (b) The Revolving Credit Lenders' obligations, among themselves, are
subject to (among other provisions of this Agreement) Section 13.3(a) (which
relates to each Revolving Credit Lender's making amounts available to the
Administrative Agent) and 16.3(a) (which relates to Protective OverAdvances).

            (c) The Revolving Credit Lenders' providing of an OverLoan on any
one occasion does not affect the obligations of each Borrower hereunder
(including each Borrower's obligation to immediately repay any amount which
otherwise constitutes an OverLoan) nor obligate the Revolving Credit Lenders to
do so on any other occasion.

      2.3. RISKS OF VALUE OF COLLATERAL. The Agent's reference to a given asset
in connection with the making of loans, credits, and advances and the providing
of financial accommodations under the Revolving Credit and/or the monitoring of
compliance with the provisions hereof shall not be deemed a determination by any
Agent or any Revolving Credit Lender relative to the actual value of the asset
in question. All risks concerning the value of the Collateral are and remain
upon the Borrowers. All Collateral secures the prompt, punctual, and faithful
performance of the Liabilities whether or not relied upon by the Administrative
Agent in


                                       40
<PAGE>
connection with the making of loans, credits, and advances and the
providing of financial accommodations under the Revolving Credit.

      2.4. COMMITMENT TO MAKE REVOLVING CREDIT LOANS AND SUPPORT LETTERS OF
CREDIT. Subject to the provisions of this Agreement, the Revolving Credit
Lenders shall make a loan or advance under the Revolving Credit and the
Administrative Agent shall endeavor to have an L/C or Banker's Acceptance issued
for the account of one or more of the Loan Parties, in each instance if duly and
timely requested by the Lead Borrower as provided herein provided that:

            (a) No OverLoan is then outstanding and none will result therefrom.

            (b) No Borrower is then in Default and none will thereby become in
      Default.

      2.5.  REVOLVING CREDIT LOAN REQUESTS.

            (a) Requests for loans and advances under the Revolving Credit or
for the continuance or conversion of an interest rate applicable to a Revolving
Credit Loan may be requested by the Lead Borrower by written or telephonic
notice (in the case of telephonic notice, promptly confirmed in writing if so
requested by the Administrative Agent). Such notice of borrowing shall be
substantially in the form of EXHIBIT 2.5 hereto, signed by the Lead Borrower and
transmitted to the Administrative Agent by telecopier. Each such notice shall be
irrevocable and shall specify (i) the proposed Borrower, (ii) the amount of the
proposed borrowing and the date thereof (which shall be a Business Day) and
(iii) whether the borrowing then being requested is to be a borrowing of Base
Margin Loans or LIBOR Loans and, if LIBOR Loans, the Interest Period with
respect thereto. If no election is made as to the Type of Loan or no election of
Interest Period is specified in any such notice for a borrowing of LIBOR Loans,
such notice shall be deemed a request for borrowing of Base Margin Loans. The
Administrative Agent may rely on any telephonic request for a borrowing to the
same extent that the Administrative Agent may rely on a written request. The
Borrowers shall bear all risks related to the giving of borrowing requests
telephonically.

            (b) Subject to the provisions of this Agreement, the Lead Borrower
may, on behalf of any Borrower, request a Revolving Credit Loan and elect an
interest rate and Interest Period to be applicable to that Revolving Credit Loan
by giving notice to the Administrative Agent by no later than the following:

                  (i) If such Revolving Credit Loan is to be or is to be
      converted to a Base Margin Loan: By 2:00 p.m. on the Business Day on which
      the subject Revolving Credit Loan is to be made or is to be so converted
      (provided that if notice is furnished after 12:00 noon on any Business
      Day, the Revolving Credit Loan so requested shall be deemed a request for
      a SwingLine Loan). Base Margin Loans requested by the Lead Borrower, other
      than those resulting from the conversion of a LIBOR Loan, shall not be
      less than $250,000 and in increments of $10,000 in excess of such minimum.


                                       41
<PAGE>
                  (ii) If such Revolving Credit Loan is to be, or is to be
      continued as, or converted to, a LIBOR Loan: By 2:00 p.m. three (3) LIBOR
      Business Days before the commencement of any new Interest Period or the
      end of the then applicable Interest Period. LIBOR Loans and conversions to
      LIBOR Loans shall each be not less than $3,000,000 and in increments of
      $1,000,000 in excess of such minimum.

                  (iii) Any LIBOR Loan which matures while any Borrower is in
      Default shall be converted, at the option of the Administrative Agent, to
      a Base Margin Loan notwithstanding any notice from the Lead Borrower that
      such Loan is to be continued as a LIBOR Loan.

                  (iv) LIBOR Loans may not be converted or continued as LIBOR
      Loans at any time other than the end of the Interest Period applicable
      thereto unless the Borrowers shall pay, upon demand, any amounts due
      pursuant to Section 2.11(f) hereof.

            (c) Any request for a Revolving Credit Loan or for the continuance
or conversion of an interest rate applicable to a Revolving Credit Loan which is
made after the applicable deadline therefor, as set forth above, shall be deemed
to have been made at the opening of business on the then next Business Day or
LIBOR Business Day, as applicable.

            (d) The Lead Borrower may, on behalf of any Loan Party, request that
the Administrative Agent cause the issuance by the Issuer of L/Cs or Banker's
Acceptances for the account of the Borrowers as provided in Section 2.17.

            (e) The Administrative Agent may rely on any request for a loan or
advance, or other financial accommodation under the Revolving Credit which the
Administrative Agent, in good faith, believes to have been made by a Person duly
authorized to act on behalf of the Lead Borrower and may decline to make any
such requested loan or advance, or issuance, or to provide any such financial
accommodation pending the Administrative Agent's being furnished with such
documentation concerning that Person's authority to act as may be satisfactory
to the Administrative Agent.

            (f) A request by the Lead Borrower for loan or advance, or other
financial accommodation under the Revolving Credit shall be irrevocable and
shall constitute certification by each Borrower that as of the date of such
request, each of the following is true and correct:

                  (i) There has been no material adverse change in the
      Borrowers' financial condition from the most recent financial information
      furnished any Agent or any Revolving Credit Lender pursuant to this
      Agreement.

                  (ii) Each representation which is made herein or in any of the
      Loan Documents is then true and complete in all material respects as of
      and as if made on the date of such request except to the extent that any
      of the same relates expressly to a different date.


                                       42
<PAGE>
                  (iii) Unless accompanied by a written Certificate of the Lead
      Borrower's President or its Chief Financial Officer describing (in
      reasonable detail) the facts and circumstances of any Default then
      existing and the steps (if any) being taken to remedy such condition, that
      no Default has occurred and is continuing.

      2.6. SUSPENSION OF REVOLVING CREDIT. If, at any time or from time to time,
any Borrower is in Default:

            (a) The Administrative Agent may, and at the direction of the
SuperMajority Lenders shall, suspend the Revolving Credit immediately, in which
event, neither the Administrative Agent nor any Revolving Credit Lender shall be
obligated, during such suspension, to make any loans or advance to any Borrower,
or to provide any financial accommodation hereunder or to seek the issuance of
any L/C or of any Banker's Acceptance for the account of any Loan Party. Nothing
contained herein shall limit the right of the Administrative Agent to make
Protective OverAdvances or the obligation of the Revolving Credit Lenders with
respect to SwingLine Loans, Protective OverAdvances, L/Cs and Banker's
Acceptances during such suspension period.

            (b) The Administrative Agent may, and at the direction of the
SuperMajority Lenders shall, suspend the right of the Lead Borrower to request
any LIBOR Loan or to convert any Base Margin Loan to a LIBOR Loan.

      2.7.  MAKING OF REVOLVING CREDIT LOANS

            (a) A loan or advance under the Revolving Credit shall be made by
the transfer of the proceeds of such loan or advance to the Operating Account of
the applicable Borrower. The proceeds of any Revolving Credit Loan shall be made
available before 3:00 p.m. on the date requested in accordance with Section 2.5
hereof.

            (b) A loan or advance shall be deemed to have been made under the
Revolving Credit (and the Borrowers shall be indebted to the Administrative
Agent and the Revolving Credit Lenders for the amount thereof immediately) at
the following:

                  (i) The Administrative Agent's initiation of the transfer of
      the proceeds of such loan or advance in accordance with the Lead
      Borrower's instructions (if such loan or advance is of funds requested by
      the Lead Borrower).

                  (ii) The charging of the amount of such loan to the Loan
Account (in all other circumstances).

            (c) Absent gross negligence, bad faith or willful misconduct, there
shall not be any recourse to or liability of the Administrative Agent or any
Revolving Credit Lender, on account of:

                  (i) Any delay in the making of any loan or advance requested
      under the Revolving Credit.


                                       43
<PAGE>
                  (ii) Any delay by any bank or other depository institution in
      treating the proceeds of any such loan or advance as collected funds.

                  (iii) Any delay in the receipt, and/or any loss, of funds
      which constitute a loan or advance under the Revolving Credit, the wire
      transfer of which was properly initiated by the Administrative Agent in
      accordance with wire instructions provided to the Administrative Agent by
      the Lead Borrower.

      2.8.  SWINGLINE LOANS.

            (a) For ease of administration, Base Margin Loans may be made by the
SwingLine Lender (in the aggregate, the "SWINGLINE LOANS") in accordance with
the procedures set forth in this Agreement for the making of loans and advances
under the Revolving Credit. The aggregate unpaid principal balance of the
SwingLine Loans shall not at any one time be in excess of the lesser of (i) the
SwingLine Loan Ceiling, or (ii) DSW Availability. The SwingLine Lender shall not
make a SwingLine Loan if the SwingLine Lender has received notice from the
Administrative Agent that the Administrative Agent has suspended, or the
Administrative Agent has received written notice from the SuperMajority Lenders
instructing the Administrative Agent to suspend, the Revolving Credit in
accordance with the terms hereof. Absent such notification, the SwingLine Lender
(x) shall not otherwise be required to determine whether the conditions
precedent to such SwingLine Loan have been satisfied or whether the requested
borrowing would cause DSW Availability to be exceeded, and (y) shall be entitled
in all cases to have each Revolving Credit Lender make Revolving Credit Loans in
settlement of such SwingLine Loans in accordance with the provisions of Section
13.2 hereof.

            (b) The aggregate unpaid principal balance of SwingLine Loans shall
bear interest at the rate applicable to Base Margin Loans (or a money market
based rate quoted by the Agent and accepted by the Lead Borrower) and shall be
repayable as a loan under the Revolving Credit.

            (c) The Borrowers' obligation to repay SwingLine Loans shall be
evidenced by a Note in the form of EXHIBIT 2.8(C), annexed hereto, executed by
the Borrowers, and payable to the SwingLine Lender. Neither the original nor a
copy of that Note shall be required, however, to establish or prove any
Liability. Upon receipt of an affidavit of an officer of, and a customary
indemnity from, a SwingLine Lender as to the loss, theft, destruction or
mutilation of the SwingLine Note, the Borrowers will issue in lieu thereof a
replacement SwingLine Note in the same principal amount thereof and of like
tenor.

            (d) For all purposes of this Loan Agreement, the SwingLine Loans and
the Borrowers' obligations to the SwingLine Lender constitute Revolving Credit
Loans and are secured as "Liabilities".

            (e) SwingLine Loans shall be subject to periodic settlement with the
Revolving Credit Lenders as provided in this Agreement.

      2.9.  THE LOAN ACCOUNT.


                                       44
<PAGE>
            (a) An account ("LOAN ACCOUNT") shall be opened on the books of the
Administrative Agent in which a record shall be kept of all loans and advances
made under the Revolving Credit (including, without limitation, Swingline
Loans). The Loan Account shall also contain separate entries for loans and
advances made to each Borrower.

            (b) The Administrative Agent shall also keep a record (either in the
Loan Account or elsewhere, as the Administrative Agent may from time to time
elect) of all interest, fees, service charges, costs, expenses, and other debits
owed to each Agent and each Revolving Credit Lender on account of the
Liabilities from each Borrower and of all credits against such amounts so owed.

            (c) All credits against the Liabilities shall be conditional upon
final payment to the Administrative Agent for the account of the Agent or
Revolving Credit Lender entitled thereto of the items giving rise to such
credits. The amount of any item credited against the Liabilities which is
charged back against any Agent or any Revolving Credit Lender or is disgorged
for any reason or is not so paid shall be a Liability and shall be added to the
Loan Account, whether or not the item so charged back or not so paid is
returned.

            (d) Except as otherwise provided herein, all fees, service charges,
costs, and expenses for which any Borrower is obligated hereunder are payable on
demand.

            (e) The Administrative Agent, without the request of the Lead
Borrower, may advance under the Revolving Credit any interest, fee, service
charge, or other payment to which any Agent or any Revolving Credit Lender is
entitled from any Borrower pursuant hereto and may charge the same to the Loan
Account notwithstanding that an OverLoan may result thereby; provided that the
Administrative Agent shall not charge the Loan Account for any third-party
expenses incurred by the Agent (such as fees for attorneys, appraisers and
commercial finance examinations) without first having furnished the Lead
Borrower with a copy of the invoice therefor two (2) Business Days prior to the
date that the Loan Account is to be so charged.. Any such advance shall be
deemed a Base Margin Loan. Such action on the part of the Administrative Agent
shall not constitute a waiver of the Administrative Agent's rights and each
Borrower's obligations under Section 2.11(b). Any amount which is added to the
principal balance of the Loan Account as provided in this Section 2.9(e) shall
bear interest at the interest rate then and thereafter applicable to Base Margin
Loans. The Administrative Agent shall promptly furnish the Lead Borrower with a
detailed statement itemizing any amounts so charged to the Loan Account.

            (f) Any statement rendered by the Administrative Agent or any
Revolving Credit Lender to the Lead Borrower concerning the Liabilities shall be
considered correct and accepted by each Borrower and shall, absent manifest
error, be conclusively binding upon each Borrower unless the Lead Borrower
provides the Administrative Agent with written objection thereto within twenty
(20) days from the receipt by the Lead Borrower of such statement, which written
objection shall indicate, with particularity, the reason for such objection. The
Loan Account and the Administrative Agent's books and records concerning the
loan arrangement contemplated herein and the Liabilities shall be prima facie
evidence and proof of the items described therein.


                                       45
<PAGE>
         2.10. THE REVOLVING CREDIT NOTES. The Borrowers' obligation to repay
loans and advances under the Revolving Credit, with interest as provided herein,
shall be evidenced by Notes (each, a "REVOLVING CREDIT NOTE") in the form of
EXHIBIT 2.10, annexed hereto, executed by each Borrower, one payable to each
Revolving Credit Lender. Neither the original nor a copy of any Revolving Credit
Note shall be required, however, to establish or prove any Liability. Upon
receipt of an affidavit of an officer of, and a customary indemnity from, a
Revolving Credit Lender as to the loss, theft, destruction or mutilation of the
Revolving Credit Note, the Borrowers will issue in lieu thereof a replacement
Revolving Credit Note in the same principal amount thereof and of like tenor.

         2.11. PAYMENT OF THE LOAN ACCOUNT.

               (a) The Borrowers may repay all or any portion of the principal
balance of the Loan Account from time to time until the Termination Date.

               (b) Each Borrower, without notice or demand from the
Administrative Agent or any Revolving Credit Lender, shall immediately pay the
Administrative Agent that amount, from time to time, which is necessary so that
there is no OverLoan outstanding.

               (c) Subject to Section 8.4, during the continuance of a Cash
Control Event, the Borrowers shall repay the Revolving Credit:

                  (i) in an amount equal to the proceeds realized from the sale,
         refinancing, or other disposition of, or realization upon, any
         Collateral; and

                  (ii) in accordance with the provisions of Article 8 hereof.

All amounts prepaid under this Section 2.11 may be reborrowed under the
Revolving Credit, subject to and in accordance with, the terms of this
Agreement.

               (d) The Borrowers shall repay the then entire unpaid balance of
the Loan Account and all other Liabilities on the Termination Date.

               (e) The Administrative Agent shall endeavor to cause the
application of payments (if any), pursuant to Sections 2.11(a) and 2.11(b)
against LIBOR Loans then outstanding in such manner as results in the least cost
to the Borrowers, but shall not have any affirmative obligation to do so nor
liability on account of the Administrative Agent's failure to have done so. In
no event shall action or inaction taken by the Administrative Agent excuse any
Borrower from any indemnification obligation under Section 2.11(f).

               (f) The Borrowers shall indemnify the Administrative Agent and
each Revolving Credit Lender and hold the Administrative Agent and each
Revolving Credit Lender harmless from and against any loss, cost or expense
(including loss of anticipated profits and amounts payable by the Administrative
Agent or such Revolving Credit Lender on account of "breakage fees" (so-called))
which the Administrative Agent or such Revolving Credit Lender


                                       46
<PAGE>
may sustain or incur (including, without limitation, by virtue of acceleration
after the occurrence of any Event of Default) as a consequence of the following:

                  (i) Failure by any Borrower to pay any of the principal amount
         of or any interest on any LIBOR Loan as and when due and payable,
         including any such loss or expense arising from interest or fees
         payable by such Revolving Credit Lender in order to maintain its LIBOR
         Loans.

                  (ii) Failure by any Borrower to make a borrowing or conversion
         after the Lead Borrower has given (or is deemed to have given) a
         request for a Revolving Credit Loan or a request to convert a Revolving
         Credit Loan from one applicable interest rate to another.

                  (iii) The making of any payment on a LIBOR Loan or the making
         of any conversion of any such Loan to a Base Margin Loan on a day that
         is not the last day of the applicable Interest Period with respect
         thereto.

               (g) Upon at least two (2) Business Days' prior written notice to
the Administrative Agent, the Borrowers may at any time in whole permanently
terminate, or from time to time in part permanently reduce, the Revolving Credit
Dollar Commitments. Each such reduction shall be in the principal amount of
$5,000,000 or any integral multiple thereof. Each such reduction or termination
shall (i) be applied ratably to the Revolving Credit Dollar Commitments of each
Revolving Credit Lender and (ii) be irrevocable when given. At the effective
time of each such termination, the Borrowers shall pay to the Administrative
Agent for application as provided herein any amount by which the unpaid balance
of the Loan Account and aggregate undrawn Stated Amount of all then outstanding
L/Cs and Banker's Acceptances outstanding on such date exceeds the amount to
which the Revolving Credit Dollar Commitments are so reduced. Any such reduction
or termination of the Revolving Credit Dollar Commitments may not be reinstated.

         2.12. INTEREST ON REVOLVING CREDIT LOANS.

               (a) Each Revolving Credit Loan shall bear interest at the Base
Margin Rate unless timely notice is given (as provided in Section 2.5) that the
subject Revolving Credit Loan (or a portion thereof) is, or is to be converted
to, a LIBOR Loan.

               (b) Each Revolving Credit Loan which consists of a LIBOR Loan
shall bear interest at the applicable LIBOR Rate.

               (c) Subject to, and in accordance with, the provisions of this
Agreement, the Lead Borrower may cause all or a part of the unpaid principal
balance of the Loan Account to bear interest at the Base Margin Rate or the
LIBOR Rate as specified from time to time by the Lead Borrower by notice to the
Administrative Agent.


                                       47
<PAGE>
               (d) For ease of reference and administration, each part of the
Loan Account which bears interest at the same rate of interest and for the same
Interest Period is referred to herein as if it were a separate "Revolving Credit
Loan".

               (e) The Lead Borrower shall not select, renew, or convert any
interest rate for a Revolving Credit Loan such that, in addition to interest at
the Base Margin Rate, there are more than seven (7) Interest Periods for LIBOR
Loans in the aggregate for all Borrowers applicable to the Revolving Credit
Loans at any one time.

               (f) The Borrowers shall pay accrued and unpaid interest on each
Revolving Credit Loan to its Borrower in arrears as follows:

                  (i) On the applicable Interest Payment Date for that Revolving
         Credit Loan.

                  (ii) On the Termination Date and on the End Date.

                  (iii) Following the occurrence of any Event of Default, with
         such frequency as may be determined by the Administrative Agent.

               (g) Following the occurrence of any Event of Default (and whether
or not any Agent exercises its rights on account thereof), all Revolving Credit
Loans shall bear interest, at the option of the Administrative Agent or at the
instruction of the SuperMajority Lenders, at a rate which is the aggregate of
the applicable rate (including the Applicable Margin) for Base Margin Loans
and/or LIBOR Loans, as applicable, plus two percent (2%) per annum.

         2.13. UNDERWRITING FEE; COLLATERAL MONITORING FEE. In addition to any
other fee or expense to be paid by the Borrowers on account of the Revolving
Credit, the Borrowers shall pay the Administrative Agent the "UNDERWRITING FEE",
THE "STRUCTURING FEE" and the "COLLATERAL MONITORING FEE" at the times and in
the amounts as set forth the Fee Letter.

         2.14. UNUSED LINE FEE. In addition to any other fee to be paid by the
Borrowers on account of the Revolving Credit, the Borrowers shall pay the
Administrative Agent, for the account of the Revolving Credit Lenders, the
"UNUSED LINE FEE" (so referred to herein) of 0.25% per annum of the average
difference, during the month just ended (or relevant period with respect to the
payment being made on the Termination Date) between the Revolving Credit Ceiling
and the aggregate of the unpaid principal balance of the Loan Account and the
undrawn Stated Amount of L/Cs and Banker's Acceptances outstanding during the
relevant period. The Unused Line Fee shall be paid in arrears, on the first day
of each month after the execution of this Agreement and on the Termination Date.

         2.15. CONCERNING FEES. The Borrowers shall not be entitled to any
credit, rebate or repayment of any fee earned by the Administrative Agent or any
Revolving Credit Lender pursuant to this Agreement or any Loan Document
notwithstanding any termination of this Agreement or suspension or termination
of the Administrative Agent's and any Revolving Credit Lender's respective
obligation to make loans and advances hereunder.


                                       48
<PAGE>
         2.16. AGENT'S AND REVOLVING CREDIT LENDERS' DISCRETION.

               (a) Each reference in the Loan Documents to the exercise of
reasonable, good faith discretion or the like by any Agent or any Revolving
Credit Lender shall be to such Person's exercise of its judgment, in good faith,
based upon such information of which that Person then has actual knowledge.

               (b) The burden of establishing the failure of any Agent or any
Revolving Credit Lender to have acted in a reasonable manner in such Person's
exercise of such discretion shall be the Borrowers'.

         2.17. PROCEDURES FOR ISSUANCE OF L/CS AND BANKER'S ACCEPTANCES.

               (a) The Lead Borrower may request (either directly, or as
provided in Section 2.21(a) through Retail Ventures Imports, Inc.) that an
Issuer cause the issuance of L/Cs or Banker's Acceptances for the account of any
Loan Party. Requests for L/Cs and Banker's Acceptances shall be given by the
Lead Borrower to the Administrative Agent and the Issuer not later than 2:00
p.m. three (3) Business Days prior to the specified date for the issuance of the
requested L/C or Banker's Acceptance. Requests for L/Cs and Banker's Acceptances
may be requested by the Lead Borrower by written or telephonic notice (in the
case of telephonic notice, promptly confirmed in writing if so requested by the
Administrative Agent or the Issuer). Each such notice shall be irrevocable and
shall specify with respect to each L/C and Banker's Acceptance requested (i) the
Borrower which is to be the account party for whose benefit the L/C or Banker's
Acceptance is being issued, (ii) the face amount of the proposed L/C or Banker's
Acceptance, which shall be denominated in dollars and the intended date of
issuance thereof (which shall be a Business Day), (iii) the beneficiary, and
(iv) the terms (including the anticipated expiry date) of the L/C or Banker's
Acceptance. The Administrative Agent and the Issuer may rely on any telephonic
request for the issuance of a L/C or Banker's Acceptance to the same extent that
the Administrative Agent and the Issuer may rely on a written request. The
Borrowers shall bear all risks related to the giving of requests for the
issuance of L/Cs or Banker's Acceptances telephonically. Notwithstanding
anything to the contrary contained in this Agreement, no L/C or Banker's
Acceptance shall be issued by any Issuer which is not also the Administrative
Agent unless such Issuer shall have received notice from the Administrative
Agent that the conditions to such issuance have been met. Any Issuer shall
notify the Administrative Agent in writing on each Business Day of all L/Cs or
Bankers Acceptances issued on the prior Business Day by such Issuer.

         (b) The Administrative Agent will endeavor to cause the issuance of any
L/C or Banker's Acceptance so requested by the Lead Borrower from and including
the Effective Date until the thirtieth (30th) Business Day prior to the Maturity
Date, provided that, at the time that the request is made, the Revolving Credit
has not been suspended as provided in Section 2.6 and if so issued:

                  (i) The aggregate Stated Amount of all L/Cs and Banker's
         Acceptances then outstanding, does not exceed $50,000,000;


                                       49
<PAGE>
                  (ii) The expiry of the L/C or Banker's Acceptance is not later
         than the earlier of thirty (30) days prior to the Maturity Date or the
         following:

                           (A) As to standby L/C's, one (1) year from initial
                  issuance (or in the case of renewal or extension thereof, one
                  year after such renewal or extension), provided that each
                  standby L/C may, upon the request of the Lead Borrower,
                  include a provision whereby, subject to the approval of the
                  Issuer, such standby L/C may be renewed for additional
                  consecutive periods of twelve (12) months or less (but not
                  beyond the date that is thirty Business Days prior to the
                  Maturity Date) unless the Issuer notifies the beneficiary
                  thereof at least 30 days prior to the then applicable
                  expiration date that such L/C will not be renewed.

                           (B) As to documentary L/C's, ninety (90) days from
                  issuance.

                           (C) As to Banker's Acceptances, ninety (90) days from
                  issuance.

                  (iii) If, notwithstanding the foregoing, the Administrative
         Agent causes the issuance of an L/C or Banker's Acceptance, the expiry
         of which is later than the Maturity Date, it shall be 105% cash
         collateralized at its issuance; and

                  (iv) An OverLoan will not result from the issuance of the
         subject L/C or Banker's Acceptance.

               (c) Concurrently with requesting the issuance of a L/C or a
Banker's Acceptance, the applicable Borrower shall execute and deliver to the
Issuer in respect of such requested L/C or Banker's Acceptance a reimbursement
or similar agreement in the Issuer's then standard form of application for and
reimbursement agreement with respect to letters of credit and banker's
acceptances; provided however that in the event of any conflict between the
provisions of such reimbursement agreement and this Agreement, the provisions of
this Agreement shall govern.

               (d) Absent gross negligence, bad faith or willful misconduct,
there shall not be any recourse to, nor liability of, the Administrative Agent
or any Revolving Credit Lender on account of

                  (i) Any delay or refusal by an Issuer to issue an L/C or a
         Banker's Acceptance;

                  (ii) Any action or inaction of an Issuer on account of or in
         respect to, any L/C or any Banker's Acceptance.

               (e) Immediately upon the issuance of any L/C or any Banker's
Acceptance by the Issuer (or the amendment of a L/C or Banker's Acceptance
increasing the amount thereof), and without any further action on the part of
the Issuer, the Issuer shall be deemed to have sold to each Revolving Credit
Lender, and each such Revolving Credit Lender shall be deemed


                                       50
<PAGE>
unconditionally and irrevocably to have purchased from the Issuer, without
recourse or warranty, an undivided interest and participation, to the extent of
such Revolving Credit Lender's Revolving Credit Commitment Percentage, in such
L/C and Banker's Acceptance, each drawing thereunder and the obligations of the
Borrowers under this Agreement and the other Loan Documents with respect
thereto. In consideration thereof, each Revolving Credit Lender hereby
absolutely and unconditionally agrees to pay to the Administrative Agent for the
account of the Issuer its Revolving Credit Commitment Percentage of each
disbursement made by the Issuer with respect to a L/C or Banker's Acceptance
which is not reimbursed by the Borrowers. Each Revolving Credit Lender
acknowledges and agrees that its obligations hereunder are absolute and
unconditional and shall not be effected by any event or circumstance whatsoever,
including the existence of a Default or the suspension of the Revolving Credit.
Any action taken or omitted by the Issuer under or in connection with a L/C or
Banker's Acceptance, if taken or omitted in the absence of gross negligence,
actual bad faith, or willful misconduct, shall not create for the Issuer any
resulting liability to any Revolving Credit Lender.

               (f) The Borrowers shall reimburse the Issuer for the amount of
any honoring of a drawing under an L/C or Banker's Acceptance on the same day on
which such honoring takes place in immediately available funds in U.S. dollars.
The Administrative Agent, without the request of any Borrower, may advance under
the Revolving Credit (and charge to the Loan Account) the amount of any honoring
of any L/C or Banker's Acceptance and other amount for which any Borrower, the
Issuer, or the Revolving Credit Lenders become obligated on account of, or in
respect to, any L/C or Banker's Acceptance. Such advance shall be a Base Margin
Loan and shall be made whether or not any Borrower is in Default or such advance
would result in an OverLoan. Such action shall not constitute a waiver of the
Administrative Agent's rights under Section 2.11(b) hereof.

         2.18. FEES FOR L/CS AND BANKER'S ACCEPTANCES.

               (a) The applicable Borrowers shall pay the Administrative Agent,
for the account of the Revolving Credit Lenders, on the first day of each
calendar month, in arrears, a fee (each, an "L/C Fee") equal to the following
per annum percentages of the average Stated Amount of the following categories
of L/Cs outstanding during the subject month:

                  (i) As to standby L/Cs, the Applicable Margin for LIBOR Loans.

                  (ii) As to documentary L/Cs, fifty percent (50%) of the
         Applicable Margin for LIBOR Loans.

                  (iii) After the occurrence and during the continuance of an
         Event of Default, at the option of the Administrative Agent (or at the
         instruction of the SuperMajority Lenders), the L/C Fee shall be
         increased for any L/Cs which from time to time are not cash
         collateralized in the amounts required in accordance with the
         provisions of this Agreement by an amount equal to two percent (2%) per
         annum.

               (b) The applicable Borrowers shall pay the Administrative Agent,
for the account of the Revolving Credit Lenders, on the first day of each month,
in arrears, a fee (each, a


                                       51
<PAGE>
"Banker's Acceptance Fee") equal to fifty percent (50%) of the Applicable Margin
for LIBOR Loans of the average Stated Amount of the Banker's Acceptances
outstanding during the subject month. After the occurrence and during the
continuance of an Event of Default, at the option of the Administrative Agent
(or at the instruction of the SuperMajority Lenders), the Banker's Acceptance
Fee shall be increased for any Banker's Acceptances which from time to time are
not cash collateralized in the amounts required in accordance with the
provisions of this Agreement by an amount equal to two percent (2%) per annum.

               (c) In addition to the fees to be paid as provided in Subsections
2.18(a) and 2.18(b), above, the Borrowers shall pay to the Administrative Agent
(or to the Issuer, if so requested by Administrative Agent), on demand, all
issuance, processing, negotiation, amendment, and administrative fees and other
amounts charged by the Issuer on account of, or in respect to, any L/C or
Banker's Acceptance issued.

               (d) If any change in Applicable Law shall either:

                  (i) impose, modify or deem applicable any reserve, special
         deposit or similar requirements against letters of credit heretofore or
         hereafter issued by any Issuer or with respect to which any Revolving
         Credit Lender or any Issuer has an obligation to lend to fund drawings
         under any L/C or any Banker's Acceptance; or

                  (ii) impose on any Issuer any other condition or requirements
         relating to any such letters of credit or banker's acceptance;

and the result of any event referred to in Section 2.18(d)(i) or 2.18(d)(ii),
above, shall be to increase the cost to any Revolving Credit Lender or to any
Issuer of issuing or maintaining any L/C or Banker's Acceptance (which increase
in cost shall be the result of such Issuer's reasonable allocation among that
Revolving Credit Lender's or Issuer's letter of credit customers of the
aggregate of such cost increases resulting from such events), then, upon demand
by the Administrative Agent and delivery by the Administrative Agent to the Lead
Borrower of a certificate of an officer of the subject Revolving Credit Lender
or the subject Issuer describing such change in law, executive order,
regulation, directive, or interpretation thereof, its effect on such Revolving
Credit Lender or such Issuer, and the basis for determining such increased costs
and their allocation, the Borrowers shall immediately pay to the Administrative
Agent, from time to time as specified by the Administrative Agent, such amounts
as shall be sufficient to compensate the subject Revolving Credit Lender or the
subject Issuer for such increased cost. Any Revolving Credit Lender's or any
Issuer's determination of costs incurred under Section 2.18(d)(i) or
2.18(d)(ii), above, and the allocation, if any, of such costs among the
Borrowers and other letter of credit customers of such Revolving Credit Lender
or such Issuer, if done in good faith and made on an equitable basis and in
accordance with such officer's certificate, shall, absent manifest error, be
presumed to be accurate.

         2.19. CONCERNING L/C'S AND BANKER'S ACCEPTANCES.


                                       52
<PAGE>
               (a) None of the Issuer, the Issuer's correspondents, any
Revolving Credit Lender, the Administrative Agent, or any advising, negotiating,
or paying bank with respect to any L/C or Banker's Acceptance shall be
responsible in any way for:

                  (i) The performance by any beneficiary under any L/C or
         Banker's Acceptance of that beneficiary's obligations to any Borrower.

                  (ii) The form, sufficiency, correctness, genuineness,
         authority of any Person signing; falsification; or the legal effect of;
         any documents called for under any L/C or Banker's Acceptance if (with
         respect to the foregoing) such documents on their face appear to be in
         order.

               (b) The Issuer may honor, as complying with the terms of any L/C
or any Banker's Acceptance and of any drawing thereunder, any drafts or other
documents otherwise in order, but signed or issued by an administrator,
executor, conservator, trustee in bankruptcy, debtor in possession, assignee for
the benefit of creditors, liquidator, receiver, or other legal representative of
the party authorized under such L/C or Banker's Acceptance to draw or issue such
drafts or other documents.

               (c) The Issuer may reject any drafts and documents presented
under any L/C or any Banker's Acceptance which are discrepant in any manner,
notwithstanding any prior course of dealing by the Issuer in honoring drafts
under L/Cs or Banker's Acceptances.

               (d) Unless otherwise agreed to, in the particular instance, each
Borrower hereby authorizes any Issuer to:

                  (i) Select an advising bank, if any.

                  (ii) Select a paying bank, if any.

                  (iii) Select a negotiating bank.

               (e) All directions, correspondence, and funds transfers relating
to any L/C or any Banker's Acceptance are at the risk of the Borrowers. The
Issuer shall have discharged the Issuer's obligations under any L/C or Banker's
Acceptance which, or the drawing under which, includes payment instructions, by
the initiation of the method of payment called for in, and in accordance with,
such instructions (or by any other commercially reasonable and comparable
method). None of the Administrative Agent, any Revolving Credit Lender, or the
Issuer shall have any responsibility for any inaccuracy, interruption, error, or
delay in transmission or delivery by post, telegraph or cable, or for any
inaccuracy of translation.

               (f) The Administrative Agent's, each Revolving Credit Lender's,
and the Issuer's rights, powers, privileges and immunities specified in or
arising under this Agreement are in addition to any heretofore or at any time
hereafter otherwise created or arising, whether by statute or rule of law or
contract.


                                       53
<PAGE>
               (g) Except to the extent otherwise expressly provided hereunder
or agreed to in writing by the Issuer and the Lead Borrower, documentary L/Cs
will be governed by the Uniform Customs and Practice for Documentary Credits,
International Chamber of Commerce, Publication No. 500, and standby L/Cs will be
governed by International Standby Practices ISP98 (adopted by the International
Chamber of Commerce on April 6, 1998) and any respective subsequent revisions
thereof.

               (h) The obligations of the Borrowers under this Agreement with
respect to L/Cs and Banker's Acceptances are absolute, unconditional, and
irrevocable and shall be performed strictly in accordance with the terms hereof
under all circumstances, whatsoever including, without limitation, the
following:

                  (i) Any lack of validity or enforceability or restriction,
         restraint, or stay in the enforcement of this Agreement, any L/C, any
         Banker's Acceptance, or any other agreement or instrument relating
         thereto.

                  (ii) Any Borrower's consent to any amendment or waiver of, or
         consent to the departure from, any L/C or any Banker's Acceptance.

                  (iii) The existence of any claim, set-off, defense, or other
         right which any Borrower may have at any time against the beneficiary
         of any L/C or Banker's Acceptance.

                  (iv) Any good faith honoring of a drawing under any L/C or
         Banker's Acceptance, which drawing possibly could have been dishonored
         based upon a strict construction of the terms of the L/C or Banker's
         Acceptance.

         2.20. CHANGED CIRCUMSTANCES.

               (a) The Administrative Agent may advise the Lead Borrower that
the Administrative Agent has made the good faith determination (which
determination shall be final and conclusive) of any of the following:

                  (i) Adequate and fair means do not exist for ascertaining the
         rate for LIBOR Loans.

                  (ii) The continuation of or conversion of any Revolving Credit
         Loan to a LIBOR Loan has been made impracticable or unlawful by the
         occurrence of a contingency that materially and adversely affects the
         applicable market or the compliance by the Administrative Agent or any
         Revolving Credit Lender in good faith with any Applicable Law.

                  (iii) The indices on which the interest rates for LIBOR Loans
         are based shall no longer represent the effective cost to the
         Administrative Agent or any Revolving Credit Lender for U.S. dollar
         deposits in the interbank market for deposits in which it regularly
         participates.


                                       54
<PAGE>
               (b) In the event that the Administrative Agent advises the Lead
Borrower of an occurrence described in Section 2.20(a), then, until the
Administrative Agent notifies the Lead Borrower that the circumstances giving
rise to such notice no longer apply:

                  (i) The obligation of the Administrative Agent or each
         Revolving Credit Lender to make loans of the type affected by such
         changed circumstances or to permit the Lead Borrower to select the
         affected interest rate as otherwise applicable to any Revolving Credit
         Loans shall be suspended.

                  (ii) Any notice which the Lead Borrower had given the
         Administrative Agent with respect to any LIBOR Loan, the time for
         action with respect to which has not occurred prior to the
         Administrative Agent's having given notice pursuant to Section 2.20(a),
         shall be deemed at the option of the Administrative Agent to not having
         been given.

         2.21. DESIGNATION OF LEAD BORROWER AS BORROWERS' AGENT.

               (a) Each Borrower hereby irrevocably designates and appoints the
Lead Borrower as that Borrower's agent to obtain loans and advances under the
Revolving Credit, the proceeds of which shall be available to each Borrower for
those uses as those set forth in Section 2.1(d) and to request the issuance of
L/Cs and Banker's Acceptances for such Borrower. The Borrowers further
irrevocably designate and appoint Retail Ventures Imports, Inc. as their agent
to request the issuance of L/Cs and Banker's Acceptances for such Borrower (to
the extent that the Lead Borrower does not make such request). As the disclosed
principal for its agent, each Borrower shall be obligated to each Agent and each
Revolving Credit Lender on account of loans and advances so made to, and L/Cs
and Banker's Acceptances so issued for it under the Revolving Credit as if made
directly by the Revolving Credit Lenders to that Borrower, notwithstanding the
manner by which such loans and advances are recorded on the books and records of
the Lead Borrower and of any Borrower.

               (b) Each Borrower recognizes that credit available to it under
the Revolving Credit is in excess of and on better terms than it otherwise could
obtain on and for its own account and that one of the reasons therefor it is
joining in the credit facility contemplated herein with all other Borrowers.
Consequently, each Borrower hereby assumes and agrees to fully, faithfully, and
punctually discharge all Liabilities of all of the Borrowers and hereby
guarantees the payment and performance of all Liabilities of all other
Borrowers.

               (c) The proceeds of each loan and advance provided under the
Revolving Credit which is requested by the Lead Borrower shall be deposited into
the Operating Account of the applicable Borrower. Neither the Administrative
Agent nor any Revolving Credit Lender shall have any obligation to see to the
application of such proceeds.

         2.22. REVOLVING CREDIT LENDERS' COMMITMENTS.

               (a) Subject to Section 17.1 (which provides for assignments and
assumptions of commitments), each Revolving Credit Lender's "REVOLVING CREDIT
COMMITMENT


                                       55
<PAGE>
PERCENTAGE", and "REVOLVING CREDIT DOLLAR COMMITMENT" (respectively so referred
to herein) is set forth on EXHIBIT 2.22, annexed hereto.

               (b) The obligations of each Revolving Credit Lender are several
and not joint. No Revolving Credit Lender shall have any obligation to make any
loan under the Revolving Credit in excess of either of the following:

                  (i) That Revolving Credit Lender's Revolving Credit Commitment
         Percentage of the subject loan or advance or of DSW Availability.

                  (ii) Any loan which, when aggregated with all other loans made
         by that Revolving Credit Lender under the Revolving Credit and then
         outstanding, exceed that Revolving Credit Lender's Revolving Credit
         Dollar Commitment.

               (c) No Revolving Credit Lender shall have any liability to the
Borrowers on account of the failure of any other Revolving Credit Lender to
provide any loan or advance under the Revolving Credit nor any obligation to
make up any shortfall which may be created by such failure.

               (d) The Revolving Credit Dollar Commitments, Revolving Credit
Commitment Percentages, and identities of the Revolving Credit Lenders may be
changed, from time to time by the reallocation or assignment of Revolving Credit
Dollar Commitments and Revolving Credit Commitment Percentages amongst the
Revolving Credit Lenders or with other Persons who determine to become
"Revolving Credit Lenders", provided, however unless an Event of Default has
occurred and is continuing (in which event, no consent of any Borrower is
required) any assignment to a Person shall be subject to the prior consent of
the Lead Borrower (not to be unreasonably withheld or delayed), which consent
will be deemed given unless the Lead Borrower provides the Administrative Agent
with written objection, not more than five (5) Business Days after the
Administrative Agent shall have given the Lead Borrower written notice of a
proposed assignment), provided that the Lead Borrower's consent shall in no
event be required with respect to the following: (i) an assignment to another
Revolving Credit Lender; or (ii) an assignment to a transferee of a Revolving
Credit Lender's rights in and to a material portion of such Revolving Credit
Lender's portfolio of asset based credit facilities.

               (e) Upon written notice given the Lead Borrower from time to time
by the Administrative Agent, of any assignment or allocation referenced in
Section 2.22(d):

                  (i) Each Borrower shall execute one or more replacement
         Revolving Credit Notes to reflect such changed Revolving Credit Dollar
         Commitments, Revolving Credit Commitment Percentages, and identities
         and shall deliver such replacement Revolving Credit Notes to the
         Administrative Agent (which promptly thereafter shall deliver to the
         Lead Borrower the Revolving Credit Notes so replaced) provided however,
         in the event that a Revolving Credit Note is to be exchanged following
         its acceleration or the entry of an order for relief under the
         Bankruptcy Code with respect to any Borrower, the Administrative Agent,
         in lieu of causing the Borrowers to execute one or more new Revolving
         Credit Notes, may issue the Administrative Agent's certificate
         confirming the


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<PAGE>
         resulting Revolving Credit Dollar Commitments and Revolving Credit
         Commitment Percentages.

                  (ii) Such change shall be effective from the effective date
         specified in such written notice and any Person added as a Revolving
         Credit Lender shall have all rights and privileges of a Revolving
         Credit Lender hereunder thereafter as if such Person had been a
         signatory to this Agreement and any other Loan Document to which a
         Revolving Credit Lender is a signatory and any Person removed as a
         Revolving Credit Lender shall be relieved of any obligations or
         responsibilities of a Revolving Credit Lender hereunder thereafter.

         2.23. PAYMENTS.

               (a) The Borrowers shall make each payment required to be made by
it hereunder or under any other Loan Document (whether of principal, interest,
fees or reimbursement of drawings under L/Cs, Banker's Acceptances, or
otherwise) prior to 2:00 p.m. on the date when due, in immediately available
funds, without setoff or counterclaim. Any amounts received after such time on
any date may, in the reasonable, good faith discretion of the Administrative
Agent, be deemed to have been received on the next succeeding Business Day for
purposes of calculating interest thereon. All such payments shall be made to the
Administrative Agent at its offices at 1965 East Sixth Street, Cleveland, Ohio
(or such other address as to which the Lead Borrower shall have been advised by
the Administrative Agent), except payments to be made directly to the Issuer as
expressly provided herein. If any payment under any Loan Document shall be due
on a day that is not a Business Day, except with respect to LIBOR Loans, the
date for payment shall be extended to the next succeeding Business Day, and, in
the case of any payment accruing interest, interest thereon shall be payable for
the period of such extension. All payments under each Loan Document shall be
made in dollars.

               (b) If and to the extent that any payment owed by the Borrowers
to the Administrative Agent, any Revolving Credit Lender or the Issuer is not
made when due, each Borrower authorizes the Administrative Agent, the Revolving
Credit Lenders and the Issuer, as the case may be, to charge from time to time
against any or all of the deposit accounts of the Borrowers any amount so due.
Notice of such charge shall be given promptly to the Lead Borrower.

ARTICLE 3 - CONDITIONS PRECEDENT:

         As a condition to the effectiveness of this Agreement, the
establishment of the Revolving Credit, and the making of the first loan under
the Revolving Credit, each of the documents respectively described in Sections
3.1 through and including 3.4, (each in form and substance satisfactory to the
Administrative Agent) shall have been delivered to the Administrative Agent, and
the conditions respectively described in Sections 3.5 through and including
3.21, shall have been satisfied:

         3.1. CORPORATE DUE DILIGENCE.


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<PAGE>
               (a) Certificates of corporate good standing for each Loan Party,
respectively issued by the Secretary of State for the state in which that Loan
Party is incorporated.

               (b) Certificates of due qualification, in good standing, issued
by the Secretary(ies) of State of each State for each Borrower reasonably
required by the Administrative Agent.

               (c) Certificates of each Loan Party's Secretary of the due
adoption, continued effectiveness, and setting forth the texts of, each
corporate resolution adopted in connection with the establishment of the loan
arrangement contemplated by the Loan Documents and attesting to the true
signatures of each Person authorized as a signatory to any of the Loan
Documents.

         3.2. OPINIONS. Opinions of counsel to the Loan Parties in form and
substance satisfactory to the Administrative Agent.

         3.3. ADDITIONAL DOCUMENTS. Such additional instruments and documents as
any Agent or its counsel may reasonably require or request including, without
limitation, the documents described on EXHIBIT 3.3 hereto.

         3.4. OFFICERS' CERTIFICATES. Certificates executed by the Chief
Executive Officer and the Chief Financial Officer of the Lead Borrower in form
and substance satisfactory to the Administrative Agent.

         3.5. REPRESENTATIONS AND WARRANTIES. Each of the representations made
by or on behalf of each Loan Party in this Agreement or in any of the other Loan
Documents or in any other report, statement, document, or paper provided by or
on behalf of each Loan Party shall be true and complete as of the date as of
which such representation or warranty was made.

         3.6. MINIMUM DAY ONE AVAILABILITY. After giving effect to the first
funding under the Revolving Credit, any charges to the Loan Account made in
connection with the establishment of the credit facility contemplated hereby,
L/Cs and Banker's Acceptances to be issued at, or immediately subsequent to,
such establishment, Excess Availability shall not be less than TBD.

         3.7. SENIOR NON-CONVERTIBLE FACILITY. The Loan Parties shall have been
released from all liabilities and obligations under the Senior Non-Convertible
Facility and all collateral security granted by the Loan Parties for the Senior
Non-Convertible Facility shall have been released, discharged and terminated to
the satisfaction of the Agent.

         3.8. DSW INITIAL PUBLIC OFFERING.

         The initial public offering of the capital stock of DSW shall have been
consummated and proceeds received, all of which shall be satisfactory in form
and substance to the Agent.

         3.9. REPAYMENT OF EXISTING INDEBTEDNESS. The Administrative Agent shall
have received a payoff letter from CCM as agent under the CCM Term Loan
Facilities as well as a


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<PAGE>
tender of releases and discharges of all collateral security for the CCM Term
Loan Facilities, each in form and substance satisfactory to the Administrative
Agent. Such Indebtedness shall be repaid on the Effective Date.

         3.10. CONSENTS. All necessary consents and approvals to the
transactions contemplated hereby shall have been obtained and shall be
satisfactory to the Administrative Agent.

         3.11. APPRAISALS AND COMMERCIAL FINANCE EXAMINATIONS. The Collateral
Agent shall have received (a) appraisals of the Borrowers' Inventory by a third
party appraiser acceptable to the Collateral Agent, and (b) a commercial finance
examination with respect to the Lead Borrower and its Subsidiaries, including a
review of the Borrowers' books and records, each in form and substance
satisfactory to the Collateral Agent.

         3.12. FINANCIAL INFORMATION.

         The Administrative Agent shall have received such financial information
and projections as the Agent may reasonably request, including, without
limitation, audited financial statements for each of fiscal years 2001, 2002,
2003 and 2004, monthly and annual financial projections of the Borrowers through
January, 2010. All such financial information shall be reasonably satisfactory
to the Agent and shall reflect the Borrowers' ability to perform their
obligations hereunder.

         3.13. MATERIAL AGREEMENTS. The consummation of the transactions
contemplated hereby shall not (a) violate any applicable law, statute, rule or
regulation or (b) conflict with, or result in a default or event of default
under, any material agreement of any Loan Party. There shall not have occurred
any default of any material contract or agreement of any Loan Party. The Agent
shall be satisfied with the corporate structure and organizational documents of
the Borrowers and the Parent.

         3.14. LITIGATION. There shall not be pending any litigation or other
proceeding, the result of which could reasonably be expected to have a Material
Adverse Effect.

         3.15. PERFECTION OF ENCUMBRANCES.

               (a) The Collateral Agent shall have received results of searches
or other evidence reasonably satisfactory to the Collateral Agent (in each case
dated as of a date reasonably satisfactory to the Collateral Agent) indicating
the absence of Encumbrances, except for Permitted Encumbrances, on the assets of
the Loan Parties, except for which termination statements and releases
reasonably satisfactory to the Collateral Agent are being tendered concurrently
with such extension of credit.

               (b) The Collateral Agent shall have received all documents and
instruments, including Uniform Commercial Code financing statements, required by
law or reasonably requested by the Collateral Agent to be filed, registered or
recorded to create or perfect the first priority Encumbrances intended to be
created under the Loan Documents (subject to Permitted


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<PAGE>
Encumbrances having priority over the Encumbrance of the Collateral Agent
pursuant to operation of law) and all such documents and instruments shall have
been so filed (or provision made therefor), registered or recorded to the
satisfaction of the Collateral Agent.

         3.16. ALL FEES AND EXPENSES PAID. All fees due at or immediately after
the first funding under the Revolving Credit and all costs and expenses incurred
by the Agent and the Lead Arranger in connection with the establishment of the
credit facility contemplated hereby (including the fees and expenses of counsel
to the Agent and the Lead Arranger) shall have been paid in full.

         3.17. CASH MANAGEMENT. The Loan Parties shall have established cash
management systems reasonably acceptable to the Agent, including, without
limitation, compliance with the provisions of Sections 8.1(b), 8.2(b), and
8.3(a).

         3.18. INSURANCE. The Agent shall be reasonably satisfied with the
insurance maintained by the Loan Parties and the Agent shall have received an
endorsement to such insurance policies naming the Agent as loss payee and/or
additional insured and otherwise satisfactory in form and substance to the
Agent.

         3.19. SEPARATION AND SERVICE AGREEMENTS.

         The Agent shall have received an executed copy of, and shall be
reasonably satisfied with, the separation and service agreements between the
Loan Parties and the Parent and the Parent's other Subsidiaries.

         3.20. NO LOAN PARTY IN DEFAULT. No Loan Party is in Default.

         3.21. NO ADVERSE CHANGE. Each Agent shall be reasonably satisfied that
any financial statements delivered to it fairly present the business and
financial condition of the Borrowers and their Subsidiaries, and that there has
been no material adverse change in the assets, business, financial condition, or
income of the Borrowers and their Subsidiaries since the April, 2005 financial
information delivered to the Agent.

         3.22. CERTAIN CHANGES.

               (a) No material changes in governmental regulations or policies
affecting the Loan Parties, the Agents, the Lead Arranger or any Revolving
Credit Lender involved in this transaction shall have occurred prior to the
Effective Date.

               (b) There shall not have occurred prior to the Effective Date any
disruption or material adverse change in the financial or capital markets in
general that would, in the reasonable opinion of the Administrative Agent, have
a material adverse effect on the market for loan syndications or adversely
affecting the syndication of the Revolving Credit Loans.

         3.23. BENEFIT OF CONDITIONS PRECEDENT. The conditions set forth in this
Article 3 are for the sole benefit of the Agent and each Revolving Credit Lender
and may be waived by the


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<PAGE>
Administrative Agent in whole or in part without prejudice to the Agent or any
Revolving Credit Lender.

No document shall be deemed delivered to the Agents or any Revolving Credit
Lender until received and accepted by the Administrative Agent at its offices in
Cleveland, Ohio. Under no circumstances shall this Agreement take effect until
executed and accepted by the Agents.

ARTICLE 4 - GENERAL REPRESENTATIONS AND WARRANTIES

         To induce each Revolving Credit Lender to establish the credit facility
contemplated herein and to induce the Revolving Credit Lenders to provide loans
and advances under the Revolving Credit (each of which loans shall be deemed to
have been made in reliance thereupon) the Loan Parties, in addition to all other
representations and warranties made by any Loan Party in any other Loan
Document, make those representations and warranties set forth below.

         4.1. DUE ORGANIZATION. AUTHORIZATION. NO CONFLICTS

               (a) Each Loan Party presently is in good standing as a
corporation or other entity under the laws of the State in which it is
organized, and is duly qualified and in good standing in every other State in
which, by reason of the nature or location of each Loan Parties' assets or
operation of each of their respective business, such qualification may be
necessary, except where the failure to so qualify would not have a Material
Adverse Effect.

               (b) Each Loan Party's respective organizational identification
number assigned to it by the State of its incorporation and its respective
federal employer identification number, as of the Effective Date, is listed on
EXHIBIT 4.1, annexed hereto.

               (c) Each Loan Party has all requisite power and authority to
execute and deliver all Loan Documents to which that Loan Party is a party and
has retain all requisite power to perform all Liabilities.

               (d) The execution and delivery by each Loan Party of each Loan
Document to which it is a party; each Loan Party's consummation of the
transactions contemplated by such Loan Documents (including, without limitation,
the creation of Collateral Interests by that Loan Party to secure the
Liabilities); and each Loan Party's performance under those of the Loan
Documents to which it is a party:

                  (i) Have been duly authorized by all necessary action.

                  (ii) Do not contravene in any material respect any provision
         of any Requirement of Law or obligation of that Loan Party.

                  (iii) Will not result in the creation or imposition of, or the
         obligation to create or impose, any Encumbrance upon any assets of that
         Loan Party pursuant to any Requirement of Law or obligation, except
         pursuant to the Loan Documents.


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<PAGE>
                  (e) The Loan Documents have been duly executed and delivered
by each Loan Party and are the legal, valid and binding obligations of each Loan
Party, enforceable against each Loan Party in accordance with their respective
terms, except as may be limited by bankruptcy, insolvency, reorganization,
moratorium or similar laws relating to or limiting creditors' rights generally
or by equitable principles relating to enforceability.

         4.2. TRADE NAMES.

               (a) EXHIBIT 4.2, annexed hereto, is a listing as of the Effective
Date, of:

                  (i) All names under which, to the knowledge of the Lead
         Borrower, any Loan Party has conducted its business in the past five
         (5) years.

                  (ii) All Persons with whom any Loan Party has consolidated or
         merged, or from whom any Loan Party has acquired in a single
         transaction or in a series of related transactions substantially all of
         such Person's assets in the past five (5) years.

         4.3. INTELLECTUAL PROPERTY.

               (a) Each Loan Party owns and possesses, or has the right to use
all material patents, industrial designs, trademarks, trade names, trade styles,
brand names, service marks, logos, copyrights, trade secrets, know-how,
confidential information, and other intellectual or proprietary property of any
third Person necessary for that Loan Party's conduct of that Loan Party's
business.

               (b) The conduct by each Loan Party of that Loan Party's business
does not, to the knowledge of the Loan Parties, presently infringe (nor will any
Loan Party conduct its business in the future so as to infringe) the patents,
industrial designs, trademarks, trade names, trade styles, brand names, service
marks, logos, copyrights, trade secrets, know-how, confidential information, or
other intellectual or proprietary property of any third Person, except where
such infringement is not reasonably likely to have a Material Adverse Effect.

         4.4. LOCATIONS.

               (a) The Collateral, and the books, records, and papers of the
Loan Parties pertaining thereto, are kept and maintained solely (i) at those
locations which are listed on EXHIBIT 4.4, annexed hereto (or as supplemented
pursuant to the terms of this Agreement), which Exhibit includes, with respect
to each such location, the name and address of the landlord on the Lease which
covers such location (or an indication that a Loan Party owns the subject
location) and of all service bureaus with which any such records are maintained
or (ii) at such other locations as to which the Lead Borrower has provided ten
(10) days prior written notice to the Administrative Agent of the intended
location of the Collateral, books, records, and papers thereat.

               (b) No tangible personal property of any Loan Party is in the
care or custody of any third party or stored or entrusted with a bailee or other
third party, except (i) as otherwise


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<PAGE>
disclosed pursuant to, or permitted by, this Section 4.4, or (ii) for Inventory
in an amount not to exceed $1,000,000 at Cost in the aggregate at any time in
the ordinary course of business.

         4.5. ENCUMBRANCES.

               (a) The Loan Parties are the owners of the Collateral free and
clear of all Encumbrances other than any Permitted Encumbrance.

               (b) No Loan Party has possession of any property on consignment
to that Loan Party from a third party which is not a Loan Party, except (i) as
of the Effective Date, those listed on EXHIBIT 4.5(B), annexed hereto and (ii)
those as to which the Loan Parties notify the Administrative Agent in accordance
with the provisions of Section 6.3 hereof.

         4.6. INDEBTEDNESS. The Loan Parties do not have any Indebtedness other
than:

               (a) Permitted Indebtedness; and

               (b) A Loan Party's guaranty of Permitted Indebtedness of another
Loan Party.

         4.7. INSURANCE.

               (a) EXHIBIT 4.7, annexed hereto, is a schedule of all insurance
policies owned by the Loan Parties or under which any Loan Party is the named
insured as of the Effective Date. Each of such policies is in full force and
effect. To the best of such Loan Party's knowledge, neither the issuer of any
such policy nor any Loan Party is in default or violation of any such policy.

         4.8. LICENSES Each material license, distributorship, franchise, and
similar agreement issued to, or to which any Loan Party is a party is in full
force and effect. Each material license agreement to which a Loan Party is a
party as of the Effective Date is listed on EXHIBIT 4.8, annexed hereto. No
party to any such license or agreement is in default or violation thereof,
except where such default or failure is not reasonably likely to have a Material
Adverse Effect. No Loan Party has received any notice or threat of cancellation
of any such license or agreement.

         4.9. LEASES. EXHIBIT 4.9, annexed hereto, is a schedule of all
presently effective Capital Leases as of the Effective Date. (EXHIBIT 4.4
includes a list of all other presently effective Leases). Each of such Leases
and Capital Leases is in full force and effect. No Loan Party, to the best of
its knowledge, is in default or violation of any such Lease or Capital Lease,
except where such violation is not reasonably likely to have a Material Adverse
Effect. No Loan Party has received any notice or threat of cancellation of any
such Lease or Capital Lease, which cancellation (together with all other similar
cancellations) is reasonably likely to have a Material Adverse Effect.

         4.10. REQUIREMENTS OF LAW. Each Loan Party and each of its Subsidiaries
is in compliance with all Requirements of Law except where the failure of such
compliance will not


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<PAGE>
have a Material Adverse Effect. No Loan Party has received any notice of any
violation of any Requirement of Law (other than of a violation which does not
have a Material Adverse Effect), which violation has not been cured or otherwise
remedied.

         4.11. LABOR RELATIONS.

               (a) As of the Effective Date, no Loan Party is a party to any
collective bargaining or other labor contract except as listed on EXHIBIT 4.11,
annexed hereto.

               (b) There is not presently pending and, to any Loan Party's
knowledge, there is not threatened any of the following except to the extent any
of the following is not reasonably likely to have a Material Adverse Effect:

                  (i) Any strike, slowdown, picketing, work stoppage, or
         employee grievance process.

                  (ii) Except as described on EXHIBIT 4.17 annexed hereto, any
         proceeding against or affecting any Loan Party relating to the alleged
         violation of any Applicable Law pertaining to labor relations or before
         National Labor Relations Board, the Equal Employment Opportunity
         Commission, or any comparable governmental body, organizational
         activity, or other labor or employment dispute against or affecting any
         Loan Party, which, if determined adversely to that Loan Party is
         reasonably likely to have a Material Adverse Effect on that Loan Party.

                  (iii) Any lockout of any employees by any Loan Party (and no
         such action is contemplated by any Loan Party).

                  (iv) Any application for the certification of a collective
         bargaining agent.

               (c) No event has occurred or circumstance exists which could
provide the basis for any work stoppage or other labor dispute which would be
reasonably likely to have a Material Adverse Effect.

               (d) Each Loan Party:

                  (i) Has complied with all Applicable Law relating to
         employment, equal employment opportunity, nondiscrimination,
         immigration, wages, hours, benefits, collective bargaining, the payment
         of social security and similar taxes, occupational safety and health,
         and plant closing, except where such non-compliance is not reasonably
         likely to have a Material Adverse Effect.

                  (ii) Is not liable for the payment of compensation, damages,
         taxes, fines, penalties, or other amounts, however designated, for that
         Loan Party's failure to comply with any Applicable Law referenced in
         Section 4.11(d)(i) which is reasonably likely to have a Material
         Adverse Effect.


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<PAGE>
         4.12. TAXES.

               (a) With respect to the Loan Parties' federal, state, and local
tax liability and obligations:

                  (i) To the best of its knowledge, the Lead Borrower, in
         compliance with all Applicable Law, has properly filed all material
         returns due to be filed up to the date of this Agreement.

                  (ii) Except as described on EXHIBIT 4.12:

                        (A) Currently, no Loan Party has received from any
            taxing authority any request to perform any examination of or with
            respect to any Loan Party nor any other written or verbal notice in
            any way relating to any claimed failure by any Loan Party to comply
            with all Applicable Law concerning payment of any taxes or other
            amounts in the nature of taxes in excess of $500,000 in any one
            instance.

                        (B) No agreement exists which waives or extends any
            statute of limitations applicable to the right of any taxing
            authority to assert a deficiency or make any other claim for or in
            respect to federal income taxes.

                        (C) No issue has been raised in any tax examination of
            any Loan Party which reasonably could be expected to result in the
            assertion of a deficiency for any fiscal year open for examination,
            assessment, or claim by any taxing authority in excess of $500,000
            in the aggregate for all Loan Parties.

               (b) The Loan Parties have paid, as they become due and payable,
all taxes and unemployment contributions and other charges of any kind or nature
levied, assessed or claimed against any Loan Party or the Collateral by any
Person whose claim could result in an Encumbrance upon any asset of any Loan
Party or by any governmental authority except for (i) taxes, contributions and
charges which are being contested in good faith by such Loan Party, by
appropriate proceedings diligently instituted and conducted, without danger to
any material risk to the Collateral, and adequate reserves or appropriate
provision, if any, as shall be required in conformity with GAAP, shall have been
made therefor, and provided that no Encumbrance has been filed on account
thereof, and (ii) taxes, contributions, and other charges which the Loan Parties
have inadvertently not paid when due as long as (A) the aggregate amount thereof
does not exceed $500,000, and (B) no Encumbrance has been filed on account
thereof, and (C) promptly upon the date an Authorized Officer obtains knowledge
or should have obtained knowledge thereof, the Borrowers make payment of such
taxes, contributions or charges; has properly exercised any trust
responsibilities imposed upon any Loan Party by reason of withholding from
employees' pay or by reason of any Loan Parties' receipt of sales tax or other
funds for the account of any third party; has timely made all contributions and
other payments as may be required pursuant to any Employee Benefit Plan now or
hereafter established by any Loan Party; and has timely filed all tax and other
returns and other reports with each Governmental Authority to whom any Loan
Party is obligated to so file, except for such returns


                                       65
<PAGE>
or reports which the Loan Parties have inadvertently not paid when due as long
as (A) the aggregate amount of taxes, assessments or charges with respect to
such returns does not exceed $500,000, and (B) no Encumbrance has been filed on
account thereof, and (C) promptly upon the date an Authorized Officer obtains
knowledge or should have obtained knowledge thereof, the Borrowers file such
returns and/or reports and make payment of any amounts required to be paid on
account thereof.

         4.13. NO MARGIN STOCK. No Loan Party is engaged in the business of
extending credit for the purpose of purchasing or carrying any margin stock
(within the meaning of Regulations U, T, and X of the Board of Governors of the
Federal Reserve System of the United States).

         4.14. INVESTMENT AND HOLDING COMPANY STATUS. No Loan Party is (a) an
"investment company" as defined in, or subject to regulation under, the
Investment Company Act of 1940 or (b) a "holding company" as defined in, or
subject to regulation under, the Public Utility Holding Company Act of 1935.

         4.15. ERISA.

Except to the extent that such action is not reasonably likely to have a
Material Adverse Effect, neither any Loan Party nor any ERISA Affiliate has
within the past three (3) years:

                  (i) Violated or failed to be in full compliance with any Loan
         Party's Employee Benefit Plan.

                  (ii) Failed timely to file all reports and filings required by
         ERISA to be filed by any Loan Party.

                  (iii) Engaged in any nonexempt "prohibited transactions" or
         "reportable events" (respectively as described in ERISA).

                  (iv) Engaged in, or committed, any act such that a tax or
         penalty reasonably could be imposed upon any Loan Party on account
         thereof pursuant to ERISA.

                  (v) Incurred any material accumulated funding deficiency
         within the meaning of ERISA.

                  (vi) Terminated any Employee Benefit Plan such that a lien
         could be asserted against any assets of any Loan Party on account
         thereof pursuant to ERISA.

                  (vii) Failed to make any required contribution or payment to,
         or made a complete or partial withdrawal from, any Employee Benefit
         Plan which is a multiemployer plan within the meaning of Section
         4001(a) of ERISA.

         4.16. HAZARDOUS MATERIALS.


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<PAGE>
               (a) Except as set forth on EXHIBIT 4.16(A) hereto, (i) the
operations of each Loan Party are in material compliance with all Environmental
Laws; (ii) to the best of each Loan Party's knowledge, there has been no Release
at any of the properties owned or operated by any Loan Party or a predecessor in
interest, or at any disposal or treatment facility which received Hazardous
Materials generated by any Loan Party or any predecessor in interest which is
reasonably likely to have a Material Adverse Effect; (iii) no Environmental
Action has been asserted against any Loan Party or any predecessor in interest
nor does any Loan Party have knowledge or notice of any threatened or pending
Environmental Action against any Loan Party or any predecessor in interest which
is reasonably likely to have a Material Adverse Effect; (iv) no Loan Party has
knowledge of any Environmental Actions that have been asserted against any
facilities that may have received Hazardous Materials generated by any Loan
Party or any predecessor in interest which are reasonably likely to have a
Material Adverse Effect; (v) to the best of such Loan Party's knowledge, no
property now or formerly owned or operated by a Loan Party has been used as a
treatment or disposal site for any Hazardous Material; (vi) no Loan Party has
failed to report to the proper Governmental Authority any Release which is
required to be so reported by any Environmental Laws which is reasonably likely
to have a Material Adverse Effect; (vii) each Loan Party holds all licenses,
permits and approvals required under any Environmental Laws in connection with
the operation of the business carried on by it, except for such licenses,
permits and approvals as to which a Loan Party's failure to maintain or comply
with is not reasonably likely to have a Material Adverse Effect; and (viii) no
Loan Party has received any notification pursuant to any Environmental Laws that
(A) any work, repairs, construction or Capital Expenditures are required to be
made in respect as a condition of continued compliance with any Environmental
Laws, or any license, permit or approval issued pursuant thereto or (B) any
license, permit or approval referred to above is about to be reviewed, made,
subject to limitations or conditions, revoked, withdrawn or terminated, in each
case, except as is not reasonably likely to have a Material Adverse Effect.

         4.17. LITIGATION. Except as described in EXHIBIT 4.17, annexed hereto,
there is not presently pending or threatened by or against any Loan Party any
suit, action, proceeding, or investigation which, if determined adversely to any
Loan Party, would have a Material Adverse Effect. As of the Effective Date, no
Loan Party is the holder of any Commercial Tort Claim other than as described on
EXHIBIT 4.17.

         4.18. ADEQUACY OF DISCLOSURE.

               (a) All quarterly and annual financial statements furnished to
the Administrative Agent and to each Revolving Credit Lender by the Loan Parties
on a consolidated basis have been prepared in accordance with GAAP consistently
applied (provided however, that unaudited financial statements are subject to
normal year end adjustments and to the absence of footnotes). All financial
statements furnished to the Administrative Agent and to each Revolving Credit
Lender by the Loan Parties present fairly the condition of the Loan Parties at
the date(s) thereof and the results of operations and cash flows for the
period(s) covered (provided however, that unaudited financial statements are
subject to normal year end adjustments and to the absence of footnotes). There
has been no change in the Consolidated financial condition, results of


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<PAGE>
operations, or cash flows of the Loan Parties since the date(s) of such
financial statements, other than changes which are not reasonably likely to have
a Material Adverse Effect.

               (b) No Loan Party has any material contingent obligation or
material obligation under any Lease or Capital Lease which is not noted in the
Loan Parties' annual Consolidated financial statements furnished to the
Administrative Agent and to each Revolving Credit Lender prior to the execution
of this Agreement.

               (c) No document, instrument, agreement, or paper given to the
Agents or to any Revolving Credit Lender by or on behalf of each Loan Party or
any guarantor of the Liabilities in connection with the execution of this
Agreement by the Agents and to each Revolving Credit Lender contains any untrue
statement of a material fact or omits or will omit to state a material fact
necessary in order to make the statements therein not misleading. There is no
fact known to any Loan Party which has, or which, in the foreseeable future is
reasonably likely to have a Material Adverse Effect.

         4.19. UNRESTRICTED SUBSIDIARIES. Each of the Unrestricted Subsidiaries
is inactive or in the process of being liquidated or dissolved.

         4.20. NO BANKRUPTCY FILING. No Loan Party is contemplating, or has any
knowledge of any other Person contemplating, taking any of the actions described
in Section 11.11 or 11.12 hereof. No Loan Party is contemplating the liquidation
of all or a major portion of such Loan Party's assets.

ARTICLE 5 - GENERAL COVENANTS

         5.1. PAYMENT AND PERFORMANCE OF LIABILITIES. The Loan Parties shall pay
each payment Liability when due (or when demanded, if payable on demand) and
shall promptly, punctually, and faithfully perform each other Liability.

         5.2. MAINTENANCE OF EXISTENCE

               (a) Each Loan Party shall remain in good standing as a
corporation or other entity under the laws of the state in which it is
organized, and shall hereafter remain duly qualified and in good standing in
every other state in which, by reason of the nature or location of each Loan
Parties' assets or operation of each of their respective business, such
qualification may be necessary, except where the failure to so qualify would not
have a Material Adverse Effect.

               (b) No Loan Party shall change its state of organization; any
organizational identification number assigned to that Loan Party by that state;
or that Loan Party's federal taxpayer identification number, without the prior
written consent of the Administrative Agent, which consent shall not be
unreasonably withheld.

               (c) Except where the failure to observe, maintain, or perform the
following is not reasonably likely to have a Material Adverse Effect:


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                  (i) All customary formalities regarding the corporate
         existence of each Loan Party will be observed.

                  (ii) In accordance with its present practices, each Loan Party
         will accurately maintain its organizational documents separate from
         those of any Affiliate of such Loan Party and any other Person.

         5.3. TRADE NAMES.

         The Lead Borrower will provide the Administrative Agent with not less
than ten (10) days prior written notice (with reasonable particularity) of any
change to any Loan Party's name from that under which that Loan Party is
conducting its business at the execution of this Agreement and will not effect
such change unless each Loan Party is then in compliance with all provisions of
this Agreement.

         5.4. LOCATIONS.

               (a) The Collateral, and the books, records, and papers of the
Loan Parties pertaining thereto, will be kept and maintained solely (i) at those
locations which are listed on EXHIBIT 4.4, annexed hereto (or as supplemented
pursuant to the terms of this Agreement), which Exhibit includes, with respect
to each such location, the name and address of the landlord on the Lease which
covers such location (or an indication that a Loan Party owns the subject
location) and of all service bureaus with which any such records are maintained
or (ii) at such other locations as to which the Lead Borrower has provided ten
(10) days prior written notice to the Administrative Agent of the intended
location of the Collateral, books, records, and papers thereat.

               (b) No Loan Party shall remove any of the Collateral from those
locations described in Section 4.4(a) except for the following purposes:

                  (i) To accomplish sales of Inventory in the ordinary course of
         business.

                  (ii) To move Inventory or other Collateral from one such
         location to another such location.

                  (iii) To utilize such of the Collateral as is removed from
         such locations in the ordinary course of business.

               (c) No Loan Party will:

                  (i) Alter, modify, or amend any Lease in a manner which is
         reasonably likely to have a Material Adverse Effect.

                  (ii) Other than leased departments and similar arrangements
         with third parties, commit to open or close, or open or close, any
         location at which any Loan Party maintains, offers for sales, or stores
         any of the Collateral, in any fiscal year such that the


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         actual number of stores of all Borrowers in the aggregate (A) exceeds
         by ten (10) the number of stores reflected on the Business Plan for
         such fiscal year, or (B) is more than ten (10) fewer than the number of
         stores reflected on the Business Plan for such fiscal year (without
         giving effect to any new stores which the Business Plan projected to be
         opened or closed, but which have not in fact been opened or closed)

               (d) No tangible personal property of any Loan Party shall
hereafter be placed under such care, custody, storage, or entrustment, except
(i) as otherwise disclosed pursuant to, or permitted by, this Section 5.5, or
(ii) for Inventory in an amount not to exceed $1,000,000 at Cost in the
aggregate at any time in the ordinary course of business.

         5.5. ENCUMBRANCES.

               (a) The Loan Parties shall remain, the owners of the Collateral
free and clear of all Encumbrances other than any Permitted Encumbrance.

               (b) No Loan Party shall have possession of any property on
consignment to that Loan Party from a third party that is not a Loan Party,
except (i) those listed on EXHIBIT 4.5(B), annexed hereto and (ii) those as to
which the Loan Parties notify the Administrative Agent in accordance with the
provisions of Section 6.3 hereof.

         5.6. INDEBTEDNESS. The Loan Parties shall not hereafter have any
Indebtedness other than:

               (a) Permitted Indebtedness; and

               (b) A Loan Party's guaranty of Permitted Indebtedness of another
Loan Party.

         5.7. INSURANCE.

               (a) The Lead Borrower shall provide the Administrative Agent with
prompt written notice of any change in the insurance policies owned by the Loan
Parties or under which any Loan Party is the named insured from those in effect
as of the Effective Date.

               (b) The Loan Parties shall have and maintain at all times
insurance covering such risks, in such amounts, containing such terms, in such
form, for such periods, and written by the companies presently providing such
insurance, or such other companies as may be selected by the Lead Borrower and
are satisfactory to the Agent (whose consent shall not be unreasonably
withheld).

               (c) All insurance carried by the Loan Parties shall provide for a
minimum of thirty (30) days' prior written notice of cancellation to the
Administrative Agent and all such insurance which covers the Collateral shall

                  (i) Include an endorsement in favor of the Collateral Agent,
         which endorsement shall provide that the insurance, to the extent of
         the Collateral Agent' interest therein, shall not be impaired or
         invalidated, in whole or in part, by reason of any


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<PAGE>
         act or neglect of any Loan Party or by the failure of any Loan Party to
         comply with any warranty or condition of the policy.

                  (ii) Not include an endorsement in favor of any other Person
         (other than those Persons intended as beneficiaries of any builder's
         risk insurance, and the holder of any Permitted Encumbrances).

               (d) The Lead Borrower shall furnish the Collateral Agent from
time to time, upon request of the Collateral Agent, with certificates or other
evidence satisfactory to the Collateral Agent regarding compliance by the Loan
Parties with the foregoing requirements.

               (e) In the event of the failure by the Loan Parties to maintain
insurance as required herein, any Agent, at its option and the Loan Parties'
expense, may obtain such insurance at the expense of the Loan Parties, provided,
however, an Agent's obtaining of such insurance shall not constitute a cure or
waiver of any Event of Default occasioned by the Loan Parties' failure to have
maintained such insurance.

         5.8. LICENSES. The Loan Parties shall (a) with respect to existing
licensors and licensees, use its best efforts to, and (b) with respect to
license agreements entered into after the Effective Date, shall, cause the
licensors and licensees to enter into such tri-party or estoppel agreements as
any Agent may reasonably request.

         5.9. REQUIREMENTS OF LAW. Each Loan Party shall and shall cause its
Subsidiaries to be in compliance with, and shall hereafter comply with and use
its assets in compliance with, all Requirements of Law except where the failure
of such compliance will not have a Material Adverse Effect.

         5.10. LAsBOR RELATIONS.

         The Lead Borrower shall provide the Administrative Agent with prompt
written notice of any additional or amended collective bargaining or other labor
contract entered into after the Effective Date.

         5.11. MAINTAIN PROPERTIES. The Loan Parties shall:

               (a) Keep the Collateral in good order and repair (ordinary
reasonable wear and tear and insured casualty excepted).

               (b) Not suffer or cause the waste or destruction of any material
part of the Collateral.

               (c) Not use any of the Collateral in violation of any policy of
insurance thereon.

               (d) Not sell, lease, or otherwise dispose of any of the
Collateral, other than the following:


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                  (i) The use of Inventory in compliance with this Agreement.

                  (ii) The disposal of Equipment which is obsolete, worn out, or
         damaged beyond repair, or no longer useful in the Loan Parties'
         businesses.

                  (iii) Permitted Dispositions.

                  (iv) The turning over to the Administrative Agent of all
         Receipts as provided herein.

                  (v) The use of the Collateral to pay Liabilities arising in
         the ordinary course.

         5.12. TAXES.

         The Loan Parties shall: pay, as they become due and payable, all taxes
and unemployment contributions and other charges of any kind or nature levied,
assessed or claimed against any Loan Party or the Collateral by any Person whose
claim could result in an Encumbrance upon any asset of any Loan Party or by any
Governmental Authority, provided, however, that (i) no such taxes, contributions
and charges are required to be paid if being contested in good faith by such
Loan Party, by appropriate proceedings diligently instituted and conducted,
without danger to any material risk to the Collateral, and adequate reserves or
appropriate provision, if any, as shall be required in conformity with GAAP,
shall have been made therefor, and provided that no Encumbrance has been filed
on account thereof, and (ii) the inadvertent failure of a Loan Party to pay any
such taxes, contributions, and other charges when due shall not constitute an
Event of Default hereunder as long as (A) the aggregate amount thereof does not
exceed $500,000, and (B) no Encumbrance has been filed on account thereof, and
(C) promptly upon the date an Authorized Officer obtains knowledge or should
have obtained knowledge thereof, the Borrowers make payment of such taxes,
contributions or charges; properly exercise any trust responsibilities imposed
upon any Loan Party by reason of withholding from employees' pay or by reason of
any Loan Parties' receipt of sales tax or other funds for the account of any
third party; timely make all contributions and other payments as may be required
pursuant to any Employee Benefit Plan now or hereafter established by any Loan
Party; and timely file all tax and other returns and other reports with each
Governmental Authority to whom any Loan Party is obligated to so file, provided
that the inadvertent failure of a Loan Party to file any such returns or reports
when due shall not constitute an Event of Default hereunder as long as (A) the
aggregate amount of taxes, assessments or charges with respect to such returns
does not exceed $500,000, and (B) no Encumbrance has been filed on account
thereof, and (C) promptly upon the date an Authorized Officer obtains knowledge
or should have obtained knowledge thereof, the Borrowers file such returns
and/or reports and make payment of any amounts required to be paid on account
thereof.

         5.13. NO MARGIN STOCK. No part of the proceeds of any borrowing
hereunder will be used at any time to purchase or carry any such margin stock or
to extend credit to others for the purpose of purchasing or carrying any such
margin stock.


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         5.14. ERISA.

         Neither any Loan Party nor any ERISA Affiliate shall ever engage in any
action of the type described in Section 4.15, if as a result thereof, such Loan
Party or ERISA Affiliate will, or could reasonably be expected to, incur
liability that could reasonably likely have a Material Adverse Effect.

         5.15. HAZARDOUS MATERIALS.

               (a) Each Loan Party shall, except where a violation or failure is
not reasonably likely to have a Material Adverse Effect: (i) keep any property
either owned or operated by it or any of its Subsidiaries free of any
Environmental Liens; (ii) comply, and cause each of its Subsidiaries to comply,
in all material respects with Environmental Laws and provide to the Collateral
Agent any documentation of such compliance which the Collateral Agent may
reasonably request; (iii) provide the Collateral Agent written notice within
five (5) days of any Release of a Hazardous Material in excess of any reportable
quantity from or onto property at any time owned or operated by it or any of its
Subsidiaries and take any remedial actions required to abate said Release; (iv)
provide the Collateral Agent with written notice within ten (10) days of the
receipt of any of the following: (A) notice that an Environmental Lien has been
filed against any property of any Loan Party or any of its Subsidiaries; (B)
commencement of any Environmental Action or notice that an Environmental Action
will be filed against any Loan Party or any of its Subsidiaries; and (C) notice
of a violation, citation or other administrative order which, to the extent that
any of the foregoing are reasonably likely to have a Material Adverse Effect and
(v) defend, indemnify and hold harmless the Agent and the Revolving Credit
Lenders and their transferees, and their respective employees, agents, officers
and directors, from and against any claims, demands, penalties, fines,
liabilities, settlements, damages, costs or expenses (including, without
limitation, attorney and consultant fees, investigation and laboratory fees,
court costs and litigation expenses) arising out of (A) the generation,
presence, disposal, Release or threatened Release of any Hazardous Materials on,
under, in, originating or emanating from any property at any time owned or
operated by any Loan Party or any of its Subsidiaries (or its predecessors in
interest or title), (B) any personal injury (including wrongful death) or
property damage (real or personal) arising out of or related to the presence or
Release of such Hazardous Materials, (C) any request for information,
investigation, lawsuit brought or threatened, settlement reached or order by a
Governmental Authority relating to the presence or Release of such Hazardous
Materials, (D) any violation of any Environmental Law and/or (E) any
Environmental Action filed against the Agent or any Revolving Credit Lender, to
the extent that any of the foregoing is reasonably likely to have a Material
Adverse Effect.

               (b) No Loan Party shall knowingly or negligently permit the use,
handling, generation, storage, treatment, Release or disposal of Hazardous
Materials at any property owned or leased by it or any of its Subsidiaries,
except in compliance with Environmental Laws and so long as such use, handling,
generation, storage, treatment, Release or disposal of Hazardous Materials is
not reasonably likely to result in a Material Adverse Effect.

         5.16. DIVIDENDS. INVESTMENTS. CORPORATE ACTION. No Loan Party shall:


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<PAGE>
               (a) Pay any cash dividend or make any other distribution in
respect of any class of that Loan Party's capital stock, (other than dividends
payable to another Loan Party or payable solely in the capital stock of such
paying Loan Party). Notwithstanding anything to the contrary contained herein,
dividends (other than dividends payable solely in the capital stock of another
Loan Party) shall only be payable to the Parent by any other Loan Party to the
extent not otherwise in violation of the Loan Documents and in any event in an
amount not to exceed $5,000,000 (less loans and advances to the Parent made
under clause (k) of the definition of Permitted Indebtedness) in the aggregate
after the date hereof.

               (b) Own, redeem, retire, purchase, or acquire any of any Loan
Party's capital stock; provided that the Loan Parties may make cash payments for
any such purposes if:

                  (i) no Default or Event of Default shall have occurred and be
         continuing at the time of declaration or payment thereof; and

                  (ii) after giving effect to the making any such cash payment,
         the aggregate amount so expended for such purposes subsequent to the
         Effective Date does not exceed $1,500,000; and

                  (iii) after giving effect to the making any such cash payment,
         the aggregate amount so expended for such purposes in any fiscal year
         of the Borrowers does not exceed $500,000.

               (c) Invest in or purchase any stock or securities or rights to
purchase any such stock or securities, of any Person other than a Permitted
Investment, or a Permitted Acquisition.

               (d) Merge or consolidate or be merged or consolidated with or
into any other corporation or other entity, other than in connection with a
Permitted Acquisition (provided that a Loan Party is the surviving, continuing
or resulting corporation) or of one Loan Party into another Loan Party; provided
that, if no Default or Event of Default shall have occurred and be continuing or
would result therefrom, the following shall be permitted:

                  (i) The merger, consolidation or amalgamation of any
         wholly-owned Subsidiary with or into a Borrower or with or into another
         wholly-owned Subsidiary of a Borrower, so long as in any merger,
         consolidation or amalgamation involving a Borrower, the Borrower is the
         surviving, continuing or resulting corporation;

                  (ii) The liquidation or dissolution of any Unrestricted
         Subsidiary.

                  (iii) Any acquisition which is a Permitted Acquisition,
         provided that all of the applicable conditions contained in the
         definition of the term Permitted Acquisition are satisfied.

                  (iv) Notwithstanding the foregoing, the Parent may not merge
         or consolidate or be merged or consolidated with or into any other
         Person without the prior written consent of the Administrative Agent.


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               (e) Subordinate any debts or obligations owed to that Loan Party
by any third party to any other debts owed by such third party to any other
Person.

               (f) Enter into leases of property or assets not constituting
Permitted Acquisitions, unless such leases are not otherwise in violation of
this Agreement.

               (g) Organize or create any Affiliate other than in connection
with a Permitted Acquisition.

               (h) Acquire any assets other than in the ordinary course and
conduct of that Loan Party's business as conducted at the execution of this
Agreement, other than in connection with a Permitted Acquisition or as otherwise
permitted in this Agreement.

         5.17. LOANS. No Loan Party shall make any loans or advances to, nor
acquire the Indebtedness of, any Person, provided, however, the foregoing does
not prohibit any of the following:

               (a) Advance payments made to that Loan Party's suppliers in the
ordinary course;.

               (b) Advances to that Loan Party's officers, employees, and
salespersons with respect to reasonable expenses to be incurred by such
officers, employees, and salespersons for the benefit of that Loan Party, which
expenses are properly substantiated by the Person seeking such advance and
properly reimbursable by that Loan Party;

               (c) Loans and advances to employees for business-related moving
expenses, costs of replacement homes, business machines or supplies, automobiles
and other similar expenses, in each case incurred in the ordinary course of
business not to exceed (together with loans and advances under Section 5.17(d)
and investments permitted under clause (m) of the definition of Permitted
Investments) $6,000,000 in the aggregate outstanding to all employees at any one
time;

               (d) Loans and advances to that Loan Party's officers, employees,
and salespersons in connection with any employment agreements or arrangements,
or any stock options or option plans not to exceed $6,000,000 (together with
loans and advances under Section 5.17(c) and investments permitted under clause
(m) of the definition of Permitted Investments) in the aggregate outstanding to
all employees at any one time;

               (e) To the extent not permitted by the foregoing clauses, the
existing loans and advances, described on EXHIBIT 5.17(E) hereto;

               (f) Intercompany loans and advances or other Intercompany
Indebtedness (i) existing on the date hereof and described on EXHIBIT 5.17(F)
hereof, (ii) hereafter made amongst any Loan Parties within the same Borrower,
(iii) hereafter made by any Borrower to any other Borrower, (iv) hereafter made
by any Loan Party to any of its wholly owned Subsidiaries which are also Loan
Parties; and (v) hereafter made to the Parent by any other Loan Party to the


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extent any of the same constitutes Permitted Indebtedness under clause (k) of
the definition of Permitted Indebtedness or to any Loan Party by the Parent,
provided that such intercompany loans shall be evidenced by such documentation
as the Collateral Agent may require.

               (g) Loans and advances of a Person outstanding at the time such
Person becomes a Subsidiary as a result of a Permitted Acquisition, provided
that any such loans or advances were not made at the time of or in contemplation
of the acquisition of such Person by a Loan Party or any Subsidiaries.

               (h) Any other loans and advances to or for the benefit of any
Person which (i) is not itself a Loan Party, (ii) are not otherwise permitted by
the foregoing clauses, and (iii) are made after the Effective Date, which loans
and advances have been approved in advance by the Administrative Agent.

         5.18. PROTECTION OF ASSETS. The Administrative Agent, in the
Administrative Agent's reasonable, good faith discretion, and from time to time,
may discharge any tax or Encumbrance on any of the Collateral, or take any other
action which the Administrative Agent may deem reasonably necessary or desirable
to repair, insure, maintain, preserve, collect, or realize upon any of the
Collateral. The Administrative Agent shall not have any obligation to undertake
any of the foregoing and shall have no liability on account of any action so
undertaken except where there is a specific finding in a judicial proceeding (in
which the Administrative Agent has had an opportunity to be heard), from which
finding no further appeal is available, that the Administrative Agent had acted
in actual bad faith, in willful misconduct, or in a grossly negligent manner.
The Loan Parties shall pay to the Administrative Agent, on demand, or the
Administrative Agent, in its reasonable, good faith discretion, may add to the
Loan Account, all amounts paid or incurred by the Administrative Agent pursuant
to this Section 5.18.

         5.19. LINE OF BUSINESS; CONDUCT OF BUSINESS.

               (a) No Loan Party shall engage in any business other than the
business in which it is currently engaged or a business reasonably related
thereto, or any retail lease department operation.

               (b) The Loan Parties shall conduct their business substantially
in accordance with the Business Plan, or as otherwise approved by the
Administrative Agent pursuant to Section 6.10, below. The foregoing shall not
obligate the Borrowers to achieve any specific financial performance and no
financial performance covenants are intended to be imposed thereby.

         5.20. AFFILIATE TRANSACTIONS.

               (a) Except as set forth in that certain confidential side letter
from the Lead Borrower to the Administrative Agent and for loans which may be
made between Loan Parties permitted pursuant to Section 5.17, above, no Loan
Party shall make any payment, nor give any value to any Affiliate except for
leases, goods and services with such Affiliate for a price and on terms which
shall be in the ordinary course of business at prices and on terms and
conditions no


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less favorable to that Loan Party than those which would have been charged and
imposed in an arms length transaction from unrelated third parties, except (i)
sales of goods to an Affiliate for use or distribution outside of the United
States of America which complies with the any applicable legal requirements of
the Internal Revenue Code of 1986 and the Treasury Regulations, each as amended
from time to time, provided that such sales shall not exceed $500,000 in the
aggregate in any fiscal year of the Borrowers, (ii) loans, advances and other
payments to officers and directors as part of their compensation which are
entered into in the ordinary course of business and which are not otherwise
prohibited under the Loan Documents, (iii) other dividends and distributions to
officers, directors and shareholders otherwise permitted under this Agreement,
or (iv) transactions between or among the Loan Parties not prohibited hereunder
and not involving any other Affiliate.

            (b) The Loan Parties shall not (i) without the prior written consent
of the Administrative Agent, amend, modify or waive any of the provisions of the
instruments, documents or agreements described in the confidential side letter
referred to in clause (a) above, the effect of which is to increase the payments
or value to be furnished by a Loan Party to any Affiliate (other than for
ordinary increases under such instruments, documents and agreements in the
ordinary course of business, for which the Loan Parties are presently obligated
to make payment in such instrument, document or agreement as in effect on the
Effective Date) or which would cause such instruments, documents or agreements
to be at prices and on terms and conditions less favorable to that Loan Party
than those which would have been charged and imposed in an arms length
transaction from unrelated third parties, or (ii) make any payments under such
instruments, documents or agreements in advance of the date when due (other than
payments made to Affiliates to fund obligations or anticipated claims under
workers' compensation, medical plans, employee benefit plans or agreements, and
other similar plans, all in accordance with current practices).

            (c) The Borrowers shall use their best efforts to cause their
Affiliates to execute and deliver to the Agent and the Revolving Credit Lenders
such documentation as the Administrative Agent may reasonably require to
evidence the Affiliates' agreement with the provisions of this Section 5.20.

      5.21. ADDITIONAL SUBSIDIARIES. If any additional Subsidiary is formed or
acquired after the Effective Date, the Lead Borrower will notify the Collateral
Agent thereof and (a) the Loan Parties will cause such Subsidiary to become a
Borrower or Facility Guarantor hereunder, as determined by the Collateral Agent,
within three (3) Business Days after such Subsidiary is formed or acquired and
promptly take such actions to create and perfect Encumbrances on such
Subsidiary's assets to secure the Liabilities as the Collateral Agent or the
Majority Lenders shall reasonably request and (b) if any shares of capital stock
or Indebtedness of such Subsidiary are owned by or on behalf of any Loan Party,
the Loan Parties will cause such shares and promissory notes evidencing such
Indebtedness to be pledged within three (3) Business Days after such Subsidiary
is formed or acquired. Nothing contained herein shall be deemed a modification
of any other provisions of this Agreement restricting the formation or
acquisition of Subsidiaries by the Loan Parties.

      5.22. FURTHER ASSURANCES.


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<PAGE>
            (a) No Loan Party will hereafter acquire any asset or any interest
in property (other than real property, including Leasehold Interests therein)
which is not, immediately upon such acquisition, subject to such a perfected
Collateral Interest in favor of the Collateral Agent to secure the Liabilities
(subject only to Permitted Encumbrances).

            (b) Each Loan Party shall execute and deliver to the Collateral
Agent such instruments, documents, and papers, and shall do all such things from
time to time hereafter as the Collateral Agent may reasonably request to carry
into effect the provisions and intent of this Agreement; to protect and perfect
the Collateral Agent' Collateral Interests in the Collateral; and to comply with
all applicable statutes and laws, and facilitate the collection of the
Receivables Collateral. Each Loan Party shall execute all such instruments as
may be reasonably required by the Collateral Agent with respect to the
recordation and/or perfection of the Collateral Interests created or
contemplated herein.

            (c) Each Loan Party hereby designates the Collateral Agent as and
for that Loan Party's true and lawful attorney, with full power of substitution,
to sign and file any financing statements in order to perfect or protect the
Collateral Agent' Collateral Interests in the Collateral.

            (d) This Agreement constitutes an authenticated record which
authorizes the Collateral Agent to file such financing statements as the
Collateral Agent determine as appropriate to perfect or protect the Collateral
Interests created by this Agreement.

      5.23. ADEQUACY OF DISCLOSURE.

            (a) No document, instrument, agreement, or paper hereafter given to
the Agents or to any Revolving Credit Lender by or on behalf of each Loan Party
or any guarantor of the Liabilities in connection with the execution of this
Agreement by the Agents and to each Revolving Credit Lender contains or will
contain any untrue statement of a material fact or omits or will omit to state a
material fact necessary in order to make the statements therein not misleading.

      5.24. NO RESTRICTIONS ON LIABILITIES. No Loan Party shall enter into or
directly or indirectly become subject to any agreement which prohibits or
restricts, in any manner, any Loan Party's:

            (a) Creation of, and granting of Collateral Interests in favor of
the Collateral Agent.

            (b) Incurrence of Liabilities.

      5.25. UNRESTRICTED SUBSIDIARIES. No Unrestricted Subsidiary shall, at any
time, have assets in excess of $500,000 in the aggregate.


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ARTICLE 6 - FINANCIAL REPORTING AND PERFORMANCE COVENANTS:

      6.1. MAINTAIN RECORDS. The Loan Parties shall:

            (a) At all times, keep proper books of account, in which full, true,
and accurate entries shall be made of all of the Loan Parties' financial
transactions, all in accordance with GAAP applied consistently with prior
periods to fairly reflect the Consolidated financial condition of the Loan
Parties at the close of, and its results of operations for, the periods in
question.

            (b) Timely provide the Administrative Agent with those financial
reports, statements, and schedules required by this Article 6 or otherwise, each
of which reports, statements and schedules shall be prepared, to the extent
applicable, in accordance with GAAP applied consistently with prior periods to
fairly reflect the Consolidated financial condition of the Loan Parties at the
close of, and the results of operations for, the period(s) covered therein.

            (c) At all times, keep accurate current records of the Collateral
including, without limitation, accurate current stock, cost, and sales records
of its Inventory for each Borrower, accurately and sufficiently itemizing and
describing the kinds, types, and quantities of Inventory and the cost and
selling prices thereof.

            (d) At all times, retain (i) Deloitte and Touche, LLP, or such other
nationally recognized independent certified public accountants who are
reasonably satisfactory to Schottenstein Stores Corporation (as long as it
remains in Control of the Borrowers) or (ii) or such other independent certified
public accountants who are reasonably satisfactory to Schottenstein Stores
Corporation (as long as it remains in Control of the Borrowers) and the
Administrative Agent, and instruct such accountants, subject to the terms of
such accountants' internal policies, and subject to the confidentiality
provisions of this Agreement, to fully cooperate with, and be available to, the
Administrative Agent to discuss the Loan Parties' financial performance,
financial condition, operating results, controls, and such other matters, within
the scope of the retention of such accountants, as may be raised by the
Administrative Agent.

            (e) Not change any Loan Party's fiscal year.

      6.2. ACCESS TO RECORDS.

            (a) Each Loan Party shall accord each Agent with reasonable access
during normal business hours from time to time as each Agent may require to all
properties owned by or over which any Loan Party has control. Each Agent shall
have the right, and each Loan Party will permit each Agent from time to time as
such Agent may request, to examine, inspect, copy, and make extracts from any
and all of the Loan Parties' books, records, electronically stored data, papers,
and files. Each Loan Party shall make that Loan Party's copying facilities
available to the Agent.

            (b) Each Loan Party hereby authorizes each Agent to:


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                  (i) Inspect, copy, duplicate, review, cause to be reduced to
      hard copy, run off, draw off, and otherwise use any and all computer or
      electronically stored information or data which relates to any Loan Party.
      Each Loan Party shall request full cooperation with each Agent from any
      service bureau, contractor, accountant, or other Person.

                  (ii) Verify at any time the Collateral or any portion thereof,
      including verification with Account Debtors, and/or with each Loan Party's
      computer billing companies, collection agencies, and accountants.

            (c) Any Agent from time to time may designate one or more
representatives to exercise such Agent's rights under this Section 6.2 as fully
as if such Agent were doing so, provided that the Agent shall not designate a
Person which is in a Competitive Business.

      6.3. PROMPT NOTICE TO ADMINISTRATIVE AGENT.

            (a) The Lead Borrower shall provide the Administrative Agent with
written notice promptly upon the occurrence of any of the following events,
which written notice shall be with reasonable particularity as to the facts and
circumstances in respect of which such notice is being given:

                  (i) Any change in any Loan Party's President, chief executive
      officer, chief operating officer, and chief financial officer (without
      regard to the title(s) actually given to the Persons discharging the
      duties customarily discharged by officers with those titles).

                  (ii) Any ceasing of any Loan Party's payment of the debts of
      that Loan Party generally as they mature, in the ordinary course, to its
      creditors (other than its ceasing of making of such payments on account of
      a dispute which, if adversely determined to the Loan Parties is not
      reasonably likely to have a Material Adverse Effect).

                  (iii) Any failure by any Loan Party to pay rent at any of that
      Loan Party's locations, which failure continues for more than three (3)
      days following the last day on which such rent was payable unless such
      failure is not reasonably likely to have a Material Adverse Effect.

                  (iv) Any material adverse change in the business, operations,
      or financial affairs of any Borrower.

                  (v)  The occurrence of any Default.

                  (vi) Any intention on the part of any Loan Party to discharge
      that Loan Party's present independent accountants or any withdrawal or
      resignation by such independent accountants from their acting in such
      capacity (as to which, see Subsection 6.1(d)).


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                  (vii) Any litigation which, if determined adversely to any
      Loan Party, is reasonably likely to have a Material Adverse Effect.

                  (viii) Any intention of a Borrower to enter into a consignment
      arrangement or licensing or other similar agreement (whether for
      intellectual property, leased departments in stores or otherwise) with any
      other Person (other than a Loan Party).

                  (ix) Any Material Accounting Changes.

                  (x) Any event, occurrence or circumstance not specifically
      described herein which is reasonably likely to have a Material Adverse
      Effect.

                  (xi) Any Loan Party's entering into a license agreement after
      the Effective Date.

                  (xii) Any Loan Party's entering into a Capital Lease after
      the Effective Date.

            (b) The Lead Borrower shall:

                  (i) Provide the Administrative Agent, when so distributed,
      with copies of any materials distributed to all shareholders of the Lead
      Borrower (qua such shareholders).

                  (ii) Provide the Administrative Agent:

                        (A) When filed, copies of all filings with the SEC. Such
            copies may be provided in electronic format.

                        (B) When received, copies of all correspondence from the
            SEC, other than routine general communications from the SEC.

                        (C) Should any of the information on any of the Exhibits
            hereto become misleading in any material respect, the Borrower shall
            promptly advise the Administrative Agent in writing with such
            revisions or updates as may be necessary or appropriate to update or
            correct the same; provided however that no such Exhibit shall be
            deemed to have been amended, modified or superseded by any such
            correction or update, nor shall any breach of representation or
            warranty resulting from the inaccuracy or incompleteness of such
            Exhibit be deemed to have been cured or waived, unless and until the
            Administrative Agent, in its discretion shall have accepted in
            writing such revisions.

                  (iii) At the request of the Administrative Agent, from time to
      time, provide the Administrative Agent with copies of all advertising
      (including copies of all print advertising and duplicate tapes of all
      video and radio advertising).


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                  (iv) Provide the Administrative Agent, when received by any
      Loan Party, with a copy of any management letter or similar communications
      from any independent accountant of any Loan Party.

      6.4. WEEKLY REPORTS. Weekly, on Friday of each week (as of the then
immediately preceding Saturday) the Lead Borrower shall provide the
Administrative Agent with borrowing base certificates (each, a "BORROWING BASE
CERTIFICATE") (in the form of EXHIBIT 6.4 annexed hereto, as such form may be
revised from time to time by the Administrative Agent), and sales audit reports
and flash collateral reports (each in such form as may be specified from time to
time by the Collateral Agent). Such reports may be sent to the Administrative
Agent by facsimile transmission, provided that the original thereof is forwarded
to the Administrative Agent on the date of such transmission.

      6.5. MONTHLY REPORTS. Monthly, the Lead Borrower shall provide the
Administrative Agent with those financial statements and reports described in
EXHIBIT 6.5, annexed hereto, at the times set forth in such exhibit.

      6.6. QUARTERLY REPORTS. Quarterly, within forty-five (45) days following
the end of each of the Loan Parties' fiscal quarters, the Lead Borrower shall
provide the Administrative Agent with the following:

            (a) An original counterpart of a management prepared financial
statement (which shall be prepared in the same manner and using the same
assumptions as set forth in the forecasts furnished to, and approved by, the
Administrative Agent pursuant to the provisions of Section 6.10(c) hereof) for
the Loan Parties on a consolidated basis, for the fiscal quarter most recently
ended, and for the period from the beginning of the Loan Parties' then current
fiscal year through the end of the subject quarter, with comparative information
for the same period of the previous fiscal year, which statement shall include a
balance sheet, statement of operations, and cash flows and comparisons for the
corresponding quarter of the then immediately previous year, as well as to the
Loan Party's forecast.

            (b) The officer's compliance certificate described in Section 6.8.

      6.7. ANNUAL REPORTS.

            (a) Annually, within ninety (90) days following the end of the Loan
Parties' fiscal year, the Lead Borrower shall furnish the Administrative Agent
with the following:

                  (i) An original signed counterpart of the Loan Parties'
      Consolidated annual financial statement, which statement shall have been
      prepared by, and bear the unqualified opinion of, the Lead Borrower's
      independent certified public accountants (i.e. said statement shall be
      "certified" by such accountants) and shall include, at a minimum (with
      comparative information for the then prior fiscal year) a balance sheet,
      statement of operations, statement of changes in shareholders' equity, and
      cash flows.


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                  (ii) A consolidating annual financial statement for the Loan
      Parties which shall include (with comparative information for the then
      prior fiscal year) a balance sheet and statement of operations.

                  (iii) The officer's compliance certificate described in
      Section 6.8.

            (b) No later than fifteen (15) days prior to the end of each of the
Loan Parties' fiscal years, the Lead Borrower shall give written notice to such
independent certified accountants (with a copy of such notice, when sent, to the
Administrative Agent) that such annual financial statement will be delivered by
the Lead Borrower to the Administrative Agent (for subsequent distribution to
each Revolving Credit Lender), and that the Lead Borrower has been advised that
the Administrative Agent and each Revolving Credit Lender will rely thereon with
respect to the administration of, and transactions under, the credit facility
contemplated by this Agreement.

      6.8. OFFICERS' CERTIFICATES. The Lead Borrower shall cause either the Lead
Borrower's Chief Executive Officer, President, Executive Vice President, Chief
Financial Officer, Controller, or Treasurer (collectively, an "Authorized
Officer"), in each instance, to provide such Person's certificate with the
monthly, quarterly and annual financial statements to be provided pursuant to
this Agreement, which certificate shall:

            (a) Indicate that (i) with respect to the Consolidated financial
statement, the subject statement was prepared in accordance with GAAP
consistently applied, and (ii) with respect to all financial statements,
presents fairly the financial condition of the applicable Loan Parties at the
close of, and the results of the applicable Loan Parties' operations and cash
flows (where such cash flows are required to be provided) for, the period(s)
presented, subject, however to the following:

                        (A) Usual year end adjustments (this exception shall not
      be included in the certificate which accompanies such annual statement).

                        (B) Material Accounting Changes (in which event, such
      certificate shall include a schedule (in reasonable detail) of the effect
      of each such Material Accounting Change.

            (b) Indicate either that (i) no Default has occurred and is
continuing, or (ii) if such an event has occurred, its nature (in reasonable
detail) and the steps (if any) being taken or contemplated by the Loan Parties
to be taken on account thereof.

      6.9. INVENTORIES, APPRAISALS, AND AUDITS.

            (a) The Collateral Agent, at the reasonable expense of the Loan
Parties, may participate in and/or observe each scheduled physical count of
Inventory which is undertaken on behalf of any Loan Party.


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<PAGE>
            (b) The Loan Parties, at their own expense, shall cause not less
than one (1) physical inventory of each of Borrower to be undertaken in each
twelve (12) month period during which this Agreement is in effect conducted by
such inventory takers as are reasonably satisfactory to the Collateral Agent and
following such methodology as may be reasonably satisfactory to the Collateral
Agent.

                  (i) The Lead Borrower, within forty-five (45) days following
      the completion of such inventory, shall provide the Collateral Agent with
      a reconciliation of the results of each such inventory (as well as of any
      other physical inventory undertaken by any Loan Party) and shall post such
      results to the Loan Parties' stock ledger and, as applicable to the Loan
      Parties' other financial books and records .

                  (ii) The Collateral Agent, in their reasonable, good faith
      discretion, if any Event of Default has occurred and is continuing, may
      cause such additional inventories to be taken as the Collateral Agent
      determine (each, at the expense of the Loan Parties).

            (c) The Collateral Agent may obtain appraisals of the Collateral
(copies of which, subject to the approval of the appraiser, shall be provided to
the Lead Borrower promptly upon receipt thereof), from time to time (in all
events, at the Loan Parties' expense) conducted by Hilco Appraisal Services, LLC
or such appraisers as are satisfactory to the Collateral Agent. The Collateral
Agent may conduct one (1) appraisal (in each event, at the Loan Parties'
expense) of the Collateral during any twelve (12) month period during which this
Agreement is in effect, but in their reasonable, good faith discretion, during
the occurrence and continuance of an Event of Default, may undertake additional
such appraisals (likewise at the Loan Party's expense) during such period.

            (d) The Collateral Agent may conduct one (1) commercial finance
field examinations (in each event, at the Loan Parties' expense) of the Loan
Parties' books and records during any twelve (12) month period during which this
Agreement is in effect, but in their reasonable, good faith discretion during
the occurrence and continuance of an Event of Default, may undertake additional
such audits (likewise at the Loan Party's expense) during such period.

            (e) Notwithstanding anything to the contrary herein contained, upon
the occurrence of any event or circumstance which is reasonably likely to have a
material adverse effect on the business, operations, property, assets, or
financial condition of any Borrower, the limitations set forth in clauses (c)
and (d) on the number of appraisals and commercial finance examinations which
the Agent may cause to be undertaken for such Borrower only shall be
inapplicable and the Agent may undertake as many appraisals and commercial
finance examinations of such Borrower with such frequency as the Agent may deem
reasonably appropriate and necessary (none of which shall be included in
determining the number of appraisals and commercial finance examinations the
Agent may undertake with respect to other Borrowers).

            (f) The Collateral Agent from time to time may undertake "mystery
shopping" (so-called) visits to all or any of the Loan Parties' business
premises.


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      6.10. ADDITIONAL FINANCIAL INFORMATION.

            (a) In addition to all other information required to be provided
pursuant to this Article 6, the Lead Borrower promptly shall provide the Agent
with such other and additional information concerning the Loan Parties, the
Collateral, the operation of the Loan Parties' business, and the Loan Parties'
financial condition, including original counterparts of financial reports and
statements, as any Agent may from time to time reasonably request from the Lead
Borrower.

            (b) The Lead Borrower shall, upon the Administrative Agent's
request, provide the Administrative Agent, from time to time hereafter, with
updated forecasts of the Loan Parties' anticipated performance and operating
results for the current fiscal year. Such forecasts shall be in a format
consistent with the format previously provided to the Administrative Agent.

            (c) In all events, the Lead Borrower, no sooner than ninety (90) nor
later than sixty (60) days prior to the end of each of the Loan Parties' fiscal
years, shall provide the Administrative Agent with an updated and extended
forecast which shall go out at least through the end of the then next fiscal
year and shall include a statement of operations, balance sheet, and statement
of cash flow, by month, each Consolidated and each prepared in conformity with
GAAP and consistent with the Loan Parties' then current accounting practices.

            (d) When available the "Annual Budget", as approved by the Lead
Borrowers' Board of Directors, shall be provided to the Administrative Agent.
The Annual Budget shall be subject to the approval of the Administrative Agent
(whose approval shall not be unreasonably withheld) only if the Annual Budget
varies in a material way from the Business Plan for such fiscal year.

            (e) Each Loan Party recognizes that all commercial finance
examinations, inventories, analysis, financial information, and other materials
which the Agent may obtain, develop, or receive with respect to the Loan Parties
(other than appraisals and inventories received from third parties) are
confidential to the Agent and that, except as otherwise provided herein, no Loan
Party is entitled to receipt of any of such commercial finance examinations,
inventories, analysis, financial information, and other materials, nor copies or
extracts thereof or therefrom.

      6.11. INFORMATION DELIVERED PURSUANT TO ARTICLE 6.

      All information required to be delivered pursuant to Article 6 may be
delivered by and in electronic format.

      6.12. FINANCIAL COVENANT.

            If the aggregate outsanding Revolving Credit Loans, together with
the Stated Amount of all outstanding L/Cs at any time exceeds ninety percent
(90%) of the lesser of the Revolving Credit Ceiling or the DSW Borrowing Base,
the Loan Parties shall not permit the


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fixed charge coverage ratio, tested monthly as of the last day of each month, on
a trailing twelve month basis, to be less than 1.1:1.0. Such covenant shall be
tested until [to be completed].

ARTICLE 7 - USE OF COLLATERAL:

      7.1. USE OF INVENTORY COLLATERAL.

            (a) No Loan Party shall engage in any of the following with respect
to its Inventory:

                  (i) Any sale other than for fair consideration in the conduct
      of the Loan Parties' business in the ordinary course.

                  (ii) Sales or other dispositions to creditors, except returns
      in the ordinary course of business.

                  (iii) Sales or other dispositions in bulk except in the
      ordinary course of business consistent with past practices.

                  (iv) Sales in breach of any provision of this Agreement.

                  (v) Sales other than in connection with Permitted
      Dispositions.

            (b) Without the prior written consent of the Collateral Agent, no
sale of Inventory shall be on consignment (other than between Loan Parties),
approval, or under any other circumstances such that, with the exception of the
Loan Parties' customary return policy applicable to the return of inventory
purchased by the Loan Parties' retail customers in the ordinary course, such
Inventory may be returned to a Loan Party without the consent of the Collateral
Agent.

      7.2. INVENTORY QUALITY. All Inventory now owned or hereafter acquired by
each Loan Party is and will be of good and merchantable quality, consistent with
past practices.

      7.3. ADJUSTMENTS AND ALLOWANCES. Each Loan Party may grant such allowances
or other adjustments to that Loan Party's Account Debtors as that Loan Party may
reasonably deem to accord with sound business practice and which are normal and
customary extensions and adjustments in the ordinary course of business,
provided, however, the authority granted the Loan Parties pursuant to this
Section 7.3 may be limited or terminated by the Administrative Agent at any time
in the Administrative Agent's reasonable, good faith discretion after the
occurrence and during the continuance of an Event of Default.

      7.4. VALIDITY OF ACCOUNTS.

            (a) Except for adjustments and disputes in the ordinary course of
business, the amount of each Account shown on the books, records, and invoices
of the Loan Parties represented as owing by each Account Debtor is the correct
amount actually owing by such Account Debtor and shall have been fully earned by
performance by the Loan Parties.


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            (b) No Loan Party has any knowledge of any impairment of the
validity or collectibility of any of the Accounts, other than returns, reserves,
unauthorized use of credit cards, bad checks, adjustments and disputes which
occur in the ordinary course of business. The Lead Borrower shall notify the
Administrative Agent of any such impairment immediately after any Loan Party
becomes aware of any such impairment.

            (c) No Loan Party shall post any bond to secure any Loan Party's
performance under any agreement to which any Loan Party is a party nor cause any
surety, guarantor, or other third party obligee to become liable to perform any
obligation of any Loan Party (other than to the Collateral Agent) in the event
of any Loan Party's failure so to perform, if, as a result of the surety,
guarantor or third party obligee's performance, such Person would obtain a
Encumbrance on any Collateral having priority to the Encumbrance of the
Collateral Agent.

      7.5. NOTIFICATION TO ACCOUNT DEBTORS. The Collateral Agent shall have the
right (after the occurrence of a Cash Control Event) to notify any of the Loan
Parties' Account Debtors to make payment directly to the Administrative Agent
and to collect all amounts due on account of the Collateral.

ARTICLE 8 - CASH MANAGEMENT. PAYMENT OF LIABILITIES:

      8.1. DEPOSITORY ACCOUNTS.

            (a) Annexed hereto as EXHIBIT 8.1 is a listing of all present DDA's,
which listing includes, with respect to each depository of the Loan Parties, the
following: (i) the name and address of that depository; (ii) the account
number(s) of the account(s) maintained with such depository; and (iii) a contact
person at such depository.

            (b) The Lead Borrower shall deliver the following to the
Administrative Agent, as a condition to the effectiveness of this Agreement:

                  (i) Notifications, executed on behalf of each Borrower, to
      each depository institution with which any DDA is maintained (other than
      any Exempt DDA and the Collection Accounts), in form satisfactory to the
      Administrative Agent of the Collateral Agent' interest in such DDA. Such
      Notifications shall be held in escrow by the Administrative Agent until
      the occurrence of a Cash Control Event at which time they may be delivered
      to the applicable depositary institutions.

                  (ii) A Collection Account Agreement with any depository
      institution at which a Collection Account is maintained, including those
      listed on EXHIBIT 8.1.

            (c) No Borrower will establish any DDA hereafter (other than an
Exempt DDA) unless, contemporaneous with such establishment, the Lead Borrower
delivers the following to the Administrative Agent:


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                  (i) A notification for the depository at which such DDA is
      established if the same would have been required pursuant to Section
      8.1(b)(i) if the subject DDA were open at the execution of this Agreement.

                  (ii) A Collection Account Agreement executed on behalf of the
      depository at which such DDA is established if the same would have been
      required pursuant to Section 8.1(b)(ii) if the subject DDA were open at
      the execution of this Agreement.

      8.2. CREDIT CARD RECEIPTS.

            (a) Annexed hereto as EXHIBIT 8.2, is a Schedule which describes all
arrangements to which any Borrower is a party with respect to the payment to
that Borrower of the proceeds of credit card charges for sales by that Borrower.

            (b) The Lead Borrower shall deliver to the Administrative Agent, as
a condition to the effectiveness of this Agreement, an agreement executed on
behalf of each Borrower with each of each Borrower's credit card clearinghouses
and processors (in form satisfactory to the Administrative Agent), which
agreement provides that, during the existence of a Cash Control Event, payment
of all credit card charges submitted by that Borrower to that clearinghouse or
other processor and any other amount payable to that Borrower by such
clearinghouse or other processor shall be directed to the Administrative Agent's
Account or as otherwise designated from time to time by the Administrative
Agent. No Borrower shall change such direction or designation except upon and
with the prior written consent of the Administrative Agent and no Borrower will
enter into any agreements with a new credit card clearinghouse or processor
hereafter unless, contemporaneous with such establishment, the Lead Borrower
delivers to the Administrative Agent an agreement with such credit card
clearinghouse or processor of like terms to those required hereunder on the
Effective Date.

      8.3. THE ADMINISTRATIVE AGENT'S, COLLECTION, AND OPERATING ACCOUNTS .

            (a) The following checking accounts have been or will be established
(and are so referred to herein):

                  (i) The "ADMINISTRATIVE AGENT'S ACCOUNT(S)" (so referred to
      herein): Established by the Administrative Agent with NCB for each
      Borrower as more specifically described on EXHIBIT 8.3 hereto.

                  (ii) The "COLLECTION ACCOUNTS" (so referred to herein):
      Established by the Lead Borrower with those financial institutions
      described on EXHIBIT 8.3 hereof.

                  (iii) The "OPERATING ACCOUNTs" (so referred to herein):
      Established by each Borrower with NCB as more specifically described on
      EXHIBIT 8.3 hereto.


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            (b) The contents of each DDA and of each Collection Account
constitutes Collateral and Proceeds of Collateral. The contents of each
Administrative Agent's Account constitutes the Administrative Agent's property.

            (c) The Borrowers shall pay all fees and charges of, and maintain
such impressed balances as may be required by the depository in which any
account is opened as required hereby (even if such account is opened by and/or
is the property of the Agent).

      8.4. PROCEEDS AND COLLECTIONS .

            (a) All Receipts constitute Collateral and proceeds of Collateral.

            (b) Absent a Cash Control Event, the Borrowers may collect all
Receipts and use such Receipts in the ordinary course of business.

            (c) During a Cash Control Event, the Borrowers shall cause all
Receipts to be deposited or transferred to the Administrative Agent's Account.

            (d) Subject to this Section 8.4, upon notice from the Administrative
Agent to the Lead Borrower that a Cash Control Event has occurred:

                  (i) All Receipts:

                        (A) Shall be held in trust by the Borrowers for the
            Collateral Agent.

                        (B) Shall not be commingled with any of any Borrower's
            other funds.

                        (C) Shall be deposited and/or transferred only to a
            Collection Account or the applicable Administrative Agent's
            Accounts, and the Borrowers shall not have any authority to withdraw
            any amounts from such accounts and the Administrative Agent shall
            have no obligation to deposit such Receipts in the applicable
            Operating Account.

                  (ii) The Lead Borrower shall cause the ACH transfer or wire
      transfer to the Collection Account or the applicable Administrative
      Agent's Account (except in those instances in which such transfer is not
      within the control of the Lead Borrower or any other Borrower), no less
      frequently than daily (and whether or not there is then an outstanding
      balance in the Loan Account) of the following:

                        (A) The then contents of each DDA (other than any Exempt
            DDA), each such transfer to be net of any minimum balance, not to
            exceed $2,000.00, as may be required to be maintained in the subject
            DDA by the bank at which such DDA is maintained.


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<PAGE>
                        (B) The proceeds of all credit card charges not
            otherwise provided for pursuant hereto.

                  (iii) In the event that, notwithstanding the provisions of
      this Section 8.4(d), any of the Borrowers receives or otherwise has
      dominion and control of any Receipts, or any proceeds or collections of
      any Collateral, such Receipts, proceeds, and collections shall be held in
      trust by that Borrower for the Agent and shall not be commingled with any
      of that Borrower's other funds or deposited in any account of any Borrower
      other than as instructed by the Administrative Agent.

                  (iv) The Borrowers shall not disburse any funds in the DDAs,
      Collection Accounts or other deposit accounts (other than Exempt DDAs and
      the Operating Accounts in the ordinary course of business consistent with
      past practices) other than in accordance with the provisions of this
      Section 8.4.

      8.5. PAYMENT OF LIABILITIES.

            (a) On each Business Day after the occurrence and during the
continuance of a Cash Control Event, the Administrative Agent shall apply the
then collected balance of each Administrative Agent's Account (net of fees
charged, and of such impressed balances as may be required by the bank at which
such Administrative Agent's Account is maintained) First, towards the SwingLine
Loans, Second, towards the unpaid balance of the Loan Account, and Third, to all
other Liabilities in such order as the Administrative Agent may determine.

            (b) The following rules shall apply to deposits and payments under
and pursuant to this Section 8.5:

                  (i) Funds shall be deemed to have been deposited to an
      Administrative Agent's Account on the Business Day on which deposited,
      provided that notice of such deposit is available to the Administrative
      Agent by 1:00PM on that Business Day.

                  (ii) Funds paid to the Administrative Agent, other than by
      deposit to an Administrative Agent's Account, shall be deemed to have been
      received on the Business Day when they are good and collected funds,
      provided that notice of such payment is available to the Administrative
      Agent by 1:00PM on that Business Day.

                  (iii) If notice of a deposit to an Administrative Agent's
      Account (Section 8.5(b)(i)) or payment (Section 8.5(b)(ii)) is not
      available to the Administrative Agent until after 1:00PM on a Business
      Day, such deposit or payment shall be deemed to have been made at 9:00AM
      on the then next Business Day.

                  (iv) All deposits to an Administrative Agent's Account and
      other payments to the Administrative Agent are subject to clearance and
      collection.

            (c) The Administrative Agent shall transfer to the Operating Account
of the applicable Borrower any surplus in the Administrative Agent's Account
remaining after the


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application towards the Liabilities referred to in Section 8.5(a), above (less
those amounts which are to be netted out, as provided therein) provided,
however, in the event that

                  (i) any Default has occurred and is continuing; and

                  (ii) one or more L/Cs and Banker's Acceptances are then
      outstanding,

then the Administrative Agent may, and at the direction of the SuperMajority
Lenders shall, establish a funded reserve of up to 105% of the aggregate Stated
Amounts of such L/C's and such Banker's Acceptances. Such funded reserve shall
either be (i) returned to the applicable Borrower provided that no Borrower is
in Default or (ii) applied towards the Liabilities in the manner set forth
herein following the occurrence of any Event of Default described in Section
11.12 or acceleration following the occurrence of any other Event of Default.

      8.6. THE OPERATING ACCOUNT.

            (a) Funds in the Operating Account of each Borrower shall be
utilized to fund disbursements made by such Borrower, including, without
limitation, from any expense accounts maintained by such Borrower.

            (b) After the occurrence and during the continuance of any Event of
Default or at any time that Average Excess Availability for any five (5)
consecutive Business Days is less than $30,000,000, NCB shall not be obligated
to permit any outgoing ACH transfers unless the amount of the proposed transfer
is fully prefunded in accordance with the requirements and practices of NCB.

ARTICLE 9 - GRANT OF SECURITY INTEREST:

      9.1. GRANT OF SECURITY INTEREST. To secure the Borrowers' prompt,
punctual, and faithful performance of all and each of the Liabilities, each
Borrower hereby grants to the Collateral Agent, for the ratable benefit of the
Revolving Credit Lenders, the Issuer, the Agents, and the Affiliates of each of
them, a continuing security interest in and to, and assigns to the Collateral
Agent, for the ratable benefit of the Revolving Credit Lenders, the following,
and each item thereof, whether now owned or now due, or in which that Borrower
has an interest, or hereafter acquired, arising, or to become due, or in which
that Borrower obtains an interest, and all products, Proceeds, substitutions,
and accessions of or to any of the following, but excluding the Excluded
Property (all of which, together with any other property in which the Collateral
Agent may in the future be granted a security interest, is referred to herein as
the "COLLATERAL"):

            (a) All Accounts.

            (b) All Inventory.

            (c) All General Intangibles.

            (d) All Equipment.


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            (e)   All Goods.

            (f)   All Farm Products.

            (g)   All Fixtures.

            (h)   All Chattel Paper.

            (i)   All Letter-of-Credit Rights.

            (j)   All Payment Intangibles.

            (k)   All Supporting Obligations.

            (l)   The Commercial Tort Claim described on EXHIBIT 4.17 hereto.

            (m) All books, records, and information relating to the Collateral
and/or to the operation of each Borrowers' business, and all rights of access to
such books, records, and information, and all property in which such books,
records, and information are stored, recorded, and maintained.

            (n) All Leasehold Interests (other than Leasehold Interests in real
property).

            (o) All Investment Property, Instruments, Documents, Deposit
Accounts, money, policies and certificates of insurance, deposits, impressed
accounts, compensating balances, cash, or other property.

            (p) All insurance proceeds, refunds, and premium rebates, including,
without limitation, proceeds of fire and credit insurance, whether any of such
proceeds, refunds, and premium rebates arise out of any of the foregoing.
(9.1(a) through 9.1(p)) or otherwise.

            (q) All liens, guaranties, rights, remedies, and privileges
pertaining to any of the foregoing (9.1(a) through 9.1(p)), including the right
of stoppage in transit.

      9.2. EXTENT AND DURATION OF SECURITY INTEREST.

            (a) The security interest created and granted herein is in addition
to, and supplemental of, any security interest previously granted by any
Borrower to the Collateral Agent (including, without limitation, under any
mortgages and deeds of trust) and shall continue in full force and effect
applicable to all Liabilities until

                  (i)  the Termination Date has occurred; and

                  (ii) all Liabilities have been paid or satisfied in full in
      cash and satisfactory arrangements with respect to L/Cs and Banker's
      Acceptances as provided in Section 19.2 hereof have been made; and


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                  (iii) the security interest created herein is specifically
      terminated in writing by duly authorized officers of the Collateral Agent
      as provided in Section 19.2(d) hereof.

            (b) It is intended that the Collateral Interests created herein
extend to and cover all assets of each Borrower, except for Excluded Property.

            (c) If a Borrower shall at any time acquire a Commercial Tort Claim,
the Lead Borrower shall promptly notify the Administrative Agent in writing of
the details thereof and the Borrowers shall take such actions as the Collateral
Agent shall request in order to grant to the Collateral Agent, for the ratable
benefit of the Revolving Credit Lenders, the Issuer, the Agents, and the
Affiliates of each of them, a perfected and first priority security interest
therein and in the Proceeds thereof.

ARTICLE 10 - COLLATERAL AGENT AS BORROWERS' ATTORNEY-IN-FACT:

      10.1. APPOINTMENT AS ATTORNEY-IN-FACT. Each Borrower hereby irrevocably
constitutes and appoints the Collateral Agent (acting through any officer of the
Collateral Agent) as that Borrower's true and lawful attorney, with full power
of substitution, following the occurrence of an Event of Default, to convert the
Collateral into cash at the sole risk, cost, and expense of that Borrower, but
for the sole benefit of the Agent and the Revolving Credit Lenders. The rights
and powers granted the Collateral Agent by this appointment include but are not
limited to the right and power to:

            (a) Prosecute, defend, compromise, or release any action relating to
the Collateral.

            (b) Sign change of address forms to change the address to which each
Borrowers' mail is to be sent to such address as the Collateral Agent shall
designate (after which copies of all such mail shall be promptly furnished to
the Lead Borrower); receive and open each Borrowers' mail; remove any
Receivables Collateral and Proceeds of Collateral therefrom and turn over the
balance of such mail either to the Lead Borrower or to any trustee in bankruptcy
or receiver of the Lead Borrower, or other legal representative of a Borrower
whom the Collateral Agent determine to be the appropriate Person to whom to so
turn over such mail.

            (c) Endorse the name of the relevant Borrower in favor of the
Collateral Agent upon any and all checks, drafts, notes, acceptances, or other
items or instruments; sign and endorse the name of the relevant Borrower on, and
receive as secured party, any of the Collateral, any invoices, schedules of
Collateral, freight or express receipts, or bills of lading, storage receipts,
warehouse receipts, or other documents of title respectively relating to the
Collateral.

            (d) Sign the name of the relevant Borrower on any notice to that
Borrowers' Account Debtors or verification of the Receivables Collateral; sign
the relevant Borrowers' name on any Proof of Claim in Bankruptcy against Account
Debtors, and on notices of lien, claims of mechanic's liens, or assignments or
releases of mechanic's liens securing the Accounts.


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            (e) Take all such action as may be necessary to obtain the payment
of any letter of credit and/or banker's acceptance of which any Borrower is a
beneficiary.

            (f) Repair, manufacture, assemble, complete, package, deliver, alter
or supply goods, if any, necessary to fulfill in whole or in part the purchase
order of any customer of each Borrower.

            (g) Use, license or transfer any or all General Intangibles of each
Borrower.

      10.2. NO OBLIGATION TO ACT. The Collateral Agent shall not be obligated to
do any of the acts or to exercise any of the powers authorized by Section 10.1
herein, but if the Collateral Agent elect to do any such act or to exercise any
of such powers, they shall not be accountable for more than they actually
receive as a result of such exercise of power, and shall not be responsible to
any Borrower for any act or omission to act except for any act or omission to
act as to which there is a final determination made in a judicial proceeding (in
which proceeding the Collateral Agent have had an opportunity to be heard) which
determination includes a specific finding that the subject act or omission to
act had been grossly negligent or in actual bad faith, or willful misconduct.

ARTICLE 11 - EVENTS OF DEFAULT:

      The occurrence of any event described in this Article 11 respectively
shall constitute an "EVENT OF DEFAULT" herein. The occurrence of any Event of
Default shall also constitute, without notice or demand, a default under all
other agreements between the Agent or any Revolving Credit Lender and any Loan
Party and instruments and papers heretofore, now, or hereafter given the Agent
or any Revolving Credit Lender by any Loan Party in connection with any of the
Loan Documents.

      11.1. FAILURE TO PAY THE REVOLVING CREDIT. The failure by any Loan Party
to pay when due any principal of, interest on, or fees in respect of, the
Revolving Credit.

      11.2. FAILURE TO MAKE OTHER PAYMENTS. The failure by any Loan Party to pay
when due (or upon demand, if payable on demand) any payment Liability other than
any payment liability on account of the principal of, or interest on, or fees in
respect of, the Revolving Credit.

      11.3. FAILURE TO PERFORM COVENANT OR LIABILITY (NO GRACE PERIOD). The
failure by any Loan Party to promptly, punctually, faithfully and timely
perform, discharge, or comply with any covenant or Liability included in any of
the following provisions hereof:

                  Section      Relates to      :
                  -----------------------------

                  5.6               Indebtedness
                  5.12              Pay taxes
                  5.16              Dividends. Investments. Other  Corporate
                                    Actions
                  5.17              Loans and Advances


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                  4.18              Affiliate Transactions
                  5.26              Parent's Line of Business
                  Article 6         Reporting Requirements (except as set
                                    forth in Section 11.4, below)
                  Article 8         Cash Management

      11.4. FINANCIAL REPORTING REQUIREMENTS. The failure by the Borrower to
promptly, punctually, faithfully and timely perform, discharge, or comply with
the financial reporting requirements included in Section 6.5, subject, however,
to the following limited number of grace periods applicable to certain of those
requirements:

REPORT / STATEMENT       REQUIRED      GRACE PERIOD      NUMBER OF GRACE
                         BY                              PERIODS
                         SECTION
Weekly Report            6.5           Two (2) Business  Twice in any twelve
                                       Days              (12) consecutive
                                                         months

      11.5. FAILURE TO PERFORM COVENANT OR LIABILITY (GRACE PERIOD). The failure
by any Loan Party, within twenty (20) days following the earlier of any
Authorized Officer's knowledge of a breach of any covenant or Liability not
described in any of Sections 11.1, 11.2, 11.3, or 11.4 or of its receipt of
written notice from the Administrative Agent of the breach of any of such
covenants or Liabilities, provided that if such failure cannot be reasonably
cured within such twenty (20) day period and the Loan Parties have diligently
proceeded, and continue to diligently proceed, to effectuate a cure of such
failure, such failure shall not be an Event of Default hereunder unless (a) such
failure is not cured within twenty (20) days after the expiration of such
initial twenty (20) day period, or (b) such failure, in the reasonable judgment
of the Collateral Agent, is reasonably likely to have a Material Adverse Effect.

      11.6. MISREPRESENTATION. The determination by the Administrative Agent
that any representation or warranty at any time made by any Loan Party to any
Agent or any Revolving Credit Lender was not true or complete in all material
respects when given.

      11.7. ACCELERATION OF OTHER DEBT. BREACH OF LEASE. The occurrence and
continuance of any event of default or other event, which with the giving of
notice, the passage of time or both, would be an event of default under any
Indebtedness of any Loan Party equal to or in excess of One Million Dollars
($1,000,000.00) to any creditor other than the Agent or any Revolving Credit
Lender, (whether or not such Indebtedness has been accelerated), or, Leases
aggregating more than five percent (5%) of all Leases of the Loan Parties
existing from time to time could be terminated due to a default by a Loan Party
thereunder (whether or not the subject creditor or lessor takes any action on
account of such occurrence).

      11.8. DEFAULT UNDER OTHER AGREEMENTS. The occurrence of any breach of any
covenant or Liability imposed by, or of any default under, any agreement between
any Agent or any Revolving Credit Lender and any Loan Party or instrument given
by any Loan Party to any Agent or any Revolving Credit Lender relating to
Indebtedness of any Loan Party in excess of


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$1,000,000 in the aggregate and the expiration, without cure, of any applicable
grace period (notwithstanding that the subject Agent or Revolving Credit Lender
may not have exercised all or any of its rights on account of such breach or
default).

      11.9. UNINSURED CASUALTY LOSS. The occurrence of any uninsured loss,
theft, damage, or destruction of or to any material portion of the Collateral.
For avoidance of doubt, the theft of credit card and other purchase information
announced by the Borrower on March 8, 2005 shall not constitute an uninsured
casualty loss or Event of Default.

      11.10. ATTACHMENT. JUDGMENT. RESTRAINT OF BUSINESS.

            (a) The entry of any judgment in excess of Two Million Five Hundred
Thousand Dollars ($2,500,000.00) against any Loan Party, which judgment (i) is
not covered by insurance (as to which the insurer has not notified the
applicable Loan Party of the insurer's reservation of rights) or (ii) is not
satisfied, stayed (if a money judgment) or appealed from (with execution or
similar process stayed) within thirty (30) days of its entry.

            (b) The entry of any order or the imposition of any other process
having the force of law, the effect of which is to restrain the conduct by any
Borrower of its business in the ordinary course and which is reasonably likely
to have a Material Adverse Effect.

      11.11. BUSINESS FAILURE. Any act by, against, or relating to any Loan
Party, or its property or assets, which act constitutes the determination, by
any Loan Party, to initiate a program of substantial or total self-liquidation;
application for, consent to, or sufferance of the appointment of a receiver,
trustee, or other Person, pursuant to court action or otherwise, over all, or
any part of any Loan Party's property; the granting of any trust mortgage or
execution of an assignment for the benefit of the creditors of any Loan Party,
or the occurrence of any other voluntary or involuntary liquidation or extension
of debt agreement for any Loan Party; the offering by or entering into by any
Loan Party of any composition, extension, or any other arrangement seeking
relief generally from or extension of the debts of any Loan Party; or the
initiation of any judicial or non-judicial proceeding or agreement by, against,
or including any Loan Party which seeks or intends to accomplish a
reorganization or arrangement with creditors; and/or the initiation by or on
behalf of any Loan Party of the liquidation or winding up of all or any part of
any Loan Party's business or operations except that any of the foregoing actions
which are commenced against a Loan Party shall not be deemed an Event of Default
hereunder as long as such action is timely contested in good faith by that Loan
Party by appropriate proceedings and is dismissed within sixty (60) days of the
institution of the foregoing.

      11.12. BANKRUPTCY. The failure by any Loan Party to generally pay the
debts of that Loan Party as they mature; adjudication of bankruptcy or
insolvency relative to any Loan Party; the entry of an order for relief or
similar order with respect to any Loan Party in any proceeding pursuant to the
Bankruptcy Code or any other federal bankruptcy law; the filing of any
complaint, application, or petition by any Loan Party initiating any matter in
which any Loan Party is or may be granted any relief from the debts of that Loan
Party pursuant to the Bankruptcy Code or any other insolvency statute or
procedure; the filing of any complaint, application, or petition against any
Loan Party initiating any matter in which that Loan Party is


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or may be granted any relief from the debts of that Loan Party pursuant to the
Bankruptcy Code or any other insolvency statute or procedure, which complaint,
application, or petition is not timely contested in good faith by that Loan
Party by appropriate proceedings or, if so contested, is not dismissed within
sixty (60) days of when filed.

      11.13. TERMINATION OF GUARANTY. The termination or attempted termination
of any Facility Guarantee by any Facility Guarantor.

      11.14. CHALLENGE TO LOAN DOCUMENTS.

            (a) Any challenge by or on behalf of any Loan Party to the validity
of any Loan Document or the applicability or enforceability of any Loan Document
strictly in accordance with the subject Loan Document's terms or which seeks to
void, avoid, limit, or otherwise adversely affect any security interest created
by or in any Loan Document or any payment made pursuant thereto.

            (b) Any determination by any court or any other judicial or
government authority that any Loan Document is not enforceable strictly in
accordance with the subject Loan Document's terms or which voids, avoids,
limits, or otherwise adversely affects any security interest created by any Loan
Document or any payment made pursuant thereto.

      11.15. CHANGE IN CONTROL. Any Change in Control.

ARTICLE 12 - RIGHTS AND REMEDIES UPON DEFAULT:

      12.1. ACCELERATION. Upon the occurrence of any Event of Default as
described in Section 11.12, all Indebtedness of the Loan Parties to the
Revolving Credit Lenders shall be immediately due and payable. Upon the
occurrence and continuance of any Event of Default other than as described in
Section 11.12, the Administrative Agent may (and on the issuance of Acceleration
Notice(s) requisite to the causing of Acceleration, the Administrative Agent
shall) declare all Indebtedness of the Borrowers to the Revolving Credit Lenders
to be immediately due and payable and the Agent may exercise all of the Agents'
Rights and Remedies as the applicable Agent from time to time thereafter
determine as appropriate.

      12.2. RIGHTS OF ENFORCEMENT. The Collateral Agent shall have all of the
rights and remedies of a secured party upon default under the UCC, in addition
to which the Collateral Agent shall have all and each of the following rights
and remedies:

            (a) To give notice to any bank at which any DDA or Collection
Account is maintained and in which Proceeds of Collateral are deposited, to turn
over such Proceeds directly to the Agent.

            (b) To give notice to any customs broker of any of the Borrowers to
follow the instructions of the Collateral Agent as provided in any written
agreement or undertaking of such broker in favor of the Collateral Agent.


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            (c) To collect the Receivables Collateral with or without the taking
of possession of any of the Collateral.

            (d) To take possession of all or any portion of the Collateral.

            (e) To sell, lease, or otherwise dispose of any or all of the
Collateral, in its then condition or following such preparation or processing as
the Collateral Agent deems advisable and with or without the taking of
possession of any of the Collateral.

            (f) To conduct one or more going out of business sales which include
the sale or other disposition of the Collateral.

            (g) To apply the Receivables Collateral or the Proceeds of the
Collateral towards (but not necessarily in complete satisfaction of) the
Liabilities.

            (h) To exercise all or any of the rights, remedies, powers,
privileges, and discretions under all or any of the Loan Documents.

      12.3. SALE OF COLLATERAL.

      After the occurrence and during the continuance of an Event of Default:

            (a) Any sale or other disposition of the Collateral may be at public
or private sale upon such terms and in such manner as the Collateral Agent deem
advisable, having due regard to compliance with any statute or regulation which
might affect, limit, or apply to the Collateral Agent' disposition of the
Collateral.

            (b) The Collateral Agent, in the exercise of the Collateral Agent'
rights and remedies upon default, may conduct one or more going out of business
sales, in the Collateral Agent' own right or by one or more agents and
contractors. Such sale(s) may be conducted upon any premises owned, leased, or
occupied by any Borrower. The Collateral Agent and any such agents or
contractors, in conjunction with any such sale, may augment the Inventory with
other goods (all of which other goods shall remain the sole property of the
Collateral Agent or such agents or contractors). Any amounts realized from the
sale of such goods which constitute augmentations to the Inventory (net of an
allocable share of the costs and expenses incurred in their disposition) shall
be the sole property of the Collateral Agent or such agents or contractors and
neither any Borrower nor any Person claiming under or in right of any Borrower
shall have any interest therein. Upon request of the Lead Borrower, the
Collateral Agent shall promptly furnish, or cause to be furnished, to the Lead
Borrower a reconciliation of the amounts received from the augmentation of the
Inventory and the allocation of costs and expenses thereto.

            (c) Unless the Collateral is perishable or threatens to decline
speedily in value, or is of a type customarily sold on a recognized market (in
which event the Collateral Agent shall provide the Lead Borrower such notice as
may be practicable under the circumstances), the Collateral Agent shall give the
Lead Borrower at least ten (10) days prior notice, by authenticated record, of
the date, time, and place of any proposed public sale, and of


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the date after which any private sale or other disposition of the Collateral may
be made. Each Borrower agrees that such written notice shall satisfy all
requirements for notice to that Borrower which are imposed under the UCC or
other applicable law with respect to the exercise of the Collateral Agent'
rights and remedies upon default.

            (d) The Agent and any Revolving Credit Lender may purchase the
Collateral, or any portion of it at any sale held under this Article.

            (e) The Collateral Agent shall deliver the proceeds of the
Collateral Agent' exercise of its rights and remedies upon default to the
Administrative Agent for application pursuant to Section 14.6 hereof.

      12.4. OCCUPATION OF BUSINESS LOCATION. In connection with the Collateral
Agent' exercise of the Collateral Agent' rights under this Article 12, the
Collateral Agent may enter upon, occupy, and use any premises owned or occupied
by each Borrower, and may exclude each Borrower from such premises or portion
thereof as may have been so entered upon, occupied, or used by the Collateral
Agent. The Collateral Agent shall not be required to remove any of the
Collateral from any such premises upon the Collateral Agent' taking possession
thereof, and may render any Collateral unusable to the Borrowers. In no event
shall the Collateral Agent be liable to any Borrower for use or occupancy by the
Collateral Agent of any premises pursuant to this Article 12, nor for any charge
(such as wages for any Borrowers' employees and utilities) incurred in
connection with the Collateral Agent' exercise of the Agent's Rights and
Remedies.

      12.5. GRANT OF NONEXCLUSIVE LICENSE. In connection with the Collateral
Agent' exercise of the Collateral Agent' rights under this Article 12, each
Borrower hereby grants to the Collateral Agent a royalty free nonexclusive
irrevocable license to use, apply, and affix any trademark, trade name, logo, or
the like in which any Borrower now or hereafter has rights, such license being
with respect to the Collateral Agent' exercise of the rights hereunder
including, without limitation, in connection with any completion of the
manufacture of Inventory or sale or other disposition of Inventory.

      12.6. ASSEMBLY OF COLLATERAL. In connection with the Collateral Agent'
exercise of the Collateral Agent' rights under this Article 12, the Collateral
Agent may require any Borrower to assemble the Collateral and make it available
to the Collateral Agent at the Borrowers' sole risk and expense at a place or
places which are reasonably convenient to both the Collateral Agent and the Lead
Borrower.

      12.7. RIGHTS AND REMEDIES. The rights, remedies, powers, privileges, and
discretions of the Agent hereunder (herein, the "AGENTS' RIGHTS AND REMEDIES")
shall be cumulative and not exclusive of any rights or remedies which it would
otherwise have. No delay or omission by the Agent in exercising or enforcing any
of the Agents' Rights and Remedies shall operate as, or constitute, a waiver
thereof. No waiver by the Agent of any Event of Default or of any default under
any other agreement shall operate as a waiver of any other default hereunder or
under any other agreement. No single or partial exercise of any of the Agents'
Rights or Remedies, and no express or implied agreement or transaction of
whatever nature entered into between the Agent


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and any Person, at any time, shall preclude the other or further exercise of the
Agents' Rights and Remedies. No waiver by any Agent of any of the Agents' Rights
and Remedies on any one occasion shall be deemed a waiver on any subsequent
occasion, nor shall it be deemed a continuing waiver. The Agents' Rights and
Remedies may be exercised at such time or times and in such order of preference
as the Agent may determine. The Agents' Rights and Remedies may be exercised
without resort or regard to any other source of satisfaction of the Liabilities.

ARTICLE 13 - REVOLVING CREDIT FUNDINGS AND DISTRIBUTIONS:

      13.1. REVOLVING CREDIT FUNDING PROCEDURES. Subject to Section 13.2:

            (a) The Administrative Agent shall advise each Revolving Credit
Lender, no later than 12:30 p.m. on a date on which any Revolving Credit Loan
(other than a SwingLine Loan) is to be made on that date. Such advice, in each
instance, may be by telephone or facsimile transmission, provided that if such
advice is by telephone, it shall be confirmed in writing. Advice of a Revolving
Credit Loan shall include the amount of and interest rate applicable to the
subject Revolving Credit Loan.

            (b) Subject to that Revolving Credit Lender's Revolving Credit
Dollar Commitment, each Revolving Credit Lender, by no later than 3:00 p.m. on
the day on which the subject Revolving Credit Loan is to be made, shall Transfer
that Revolving Credit Lender's Revolving Credit Commitment Percentage of the
subject Revolving Credit Loan to the Administrative Agent in immediately
available funds.

      13.2. SWINGLINE LOANS.

            (a) In the event that, when a Base Margin Rate Revolving Credit Loan
is requested, the aggregate unpaid balance of the SwingLine Loan is less than
the SwingLine Loan Ceiling, then the SwingLine Lender may advise the
Administrative Agent that the SwingLine Lender has determined to include up to
the amount of the requested Revolving Credit Loan as part of the SwingLine Loan.
In such event, the SwingLine Lender shall Transfer the amount of the requested
Revolving Credit Loan to the Administrative Agent.

            (b) The SwingLine Loan shall be converted to a Revolving Credit Loan
in which all Revolving Credit Lenders participate as follows:

                  (i) At any time and from time to time, but no less frequently
      than once during each five (5) Business Day period, the SwingLine Lender
      may advise the Administrative Agent that all, or any part of the SwingLine
      Loan is to be converted to a Revolving Credit Loan in which all Revolving
      Credit Lenders participate.

                  (ii) At the times set forth in Section 13.4, the then entire
      unpaid principal balance of the SwingLine Loan shall be converted to a
      Revolving Credit Loan in which all Revolving Credit Lenders participate.


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                  (iii) At the initiation of a Liquidation, the then entire
      unpaid principal balance of the SwingLine Loan shall be converted to a
      Revolving Credit Loan in which all Revolving Credit Lenders participate.

In either such event, the Administrative Agent shall advise each Revolving
Credit Lender of such conversion as if, and with the same effect as if such
conversion were the making of a Revolving Credit Loan as provided in Section
13.1.

            (c) The SwingLine Lender, in separate capacities, may also be the
Administrative Agent and a Revolving Credit Lender.

            (d) The SwingLine Lender, in its capacity as SwingLine Lender, is
not a "Revolving Credit Lender" for any of the following purposes:

                  (i) Except as otherwise specifically provided in the relevant
      Section, any distribution pursuant to Section 14.6.

                  (ii) Determination of whether the requisite Loan Commitments
      have Consented to action requiring such Consent.

      13.3. ADMINISTRATIVE AGENT'S COVERING OF FUNDINGS:

            (a) Each Revolving Credit Lender shall make available to the
Administrative Agent, as provided herein, that Revolving Credit Lender's
Revolving Credit Commitment Percentage of the following:

                  (i) Each Revolving Credit Loan, up to the maximum amount of
      that Revolving Credit Lender's Revolving Credit Dollar Commitment of the
      Revolving Credit Loans.

                  (ii) Up to the maximum amount of that Revolving Credit
      Lender's Revolving Credit Dollar Commitment of each drawing under a L/C
      and Banker's Acceptance (to the extent that such drawing under a L/C or
      Banker's Acceptance is not "covered" by a Revolving Credit Loan as
      provided herein).

            (b)   In all circumstances, the Administrative Agent may:

                  (i) Assume that each Revolving Credit Lender, subject to
      Section 13.3(a), timely shall make available to the Administrative Agent
      that Revolving Credit Lender's Revolving Credit Commitment Percentage of
      each Revolving Credit Loan, notice of which is provided pursuant to
      Section 13.1 and shall make available, to the extent not "covered" by a
      Revolving Credit Loan, that Revolving Credit Lender's Revolving Credit
      Commitment Percentage of any honoring of an L/C or a Banker's Acceptance.

                  (ii) In reliance upon such assumption, make available the
      corresponding amount to the Borrowers (but the Administrative Agent shall
      not be


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      obligated to make such amount available to the Borrowers until actual
      receipt thereof from the Revolving Credit Lenders).

                  (iii) Assume that each Revolving Credit Lender timely shall
      pay, and shall make available, to the Administrative Agent all other
      amounts which that Revolving Credit Lender is obligated to so pay and/or
      make available hereunder or under any of the Loan Documents.

            (c) In the event that, in reliance upon any of such assumptions, the
Administrative Agent makes available a Revolving Credit Lender's Revolving
Credit Commitment Percentage of one or more Revolving Credit Loans, or any other
amount to be made available hereunder or under any of the Loan Documents, which
amount a Revolving Credit Lender (a "DELINQUENT REVOLVING CREDIT LENDER") fails
to provide to the Administrative Agent within one (1) Business Day of written
notice of such failure, then:

                  (i) The amount which had been made available by the
      Administrative Agent is an "ADMINISTRATIVE AGENT'S COVER" (and is so
      referred to herein).

                  (ii) All interest paid by the Borrowers on account of the
      Revolving Credit Loan or coverage of the subject drawing of a L/C or
      Banker's Acceptance which consist of the Administrative Agent's Cover
      shall be retained by the Administrative Agent until the Administrative
      Agent's Cover, with interest, has been paid.

                  (iii) The Delinquent Revolving Credit Lender shall pay to the
      Administrative Agent, on demand, interest at a rate equal to the
      prevailing Federal Funds Effective Rate on any Administrative Agent's
      Cover in respect of that Delinquent Revolving Credit Lender.

                  (iv) The Administrative Agent shall have succeeded to all
      rights to payment to which the Delinquent Revolving Credit Lender
      otherwise would have been entitled hereunder in respect of those amounts
      paid by or in respect of the Borrowers on account of the Administrative
      Agent's Cover together with interest until it is repaid. Such payments
      shall be deemed made first towards the amounts in respect of which the
      Administrative Agent's Cover was provided and only then towards amounts in
      which the Delinquent Revolving Credit Lender is then participating. For
      purposes of distributions to be made pursuant to Section 13.4(a) (which
      relates to ordinary course distributions) or Section 14.6 (which relates
      to distributions of proceeds of a Liquidation) below, amounts shall be
      deemed distributable to a Delinquent Revolving Credit Lender (and
      consequently, to the Administrative Agent to the extent to which the
      Administrative Agent is then entitled) at the highest level of
      distribution (if applicable) at which the Delinquent Revolving Credit
      Lender would otherwise have been entitled to a distribution.

                  (v) Subject to Subsection 13.3(c)(iv), the Delinquent
      Revolving Credit Lender shall be entitled to receive any payments from the
      Borrowers to which the Delinquent Revolving Credit Lender is then
      entitled, provided however there shall be


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      deducted from such amount and retained by the Administrative Agent any
      interest to which the Administrative Agent is then entitled on account of
      Section 13.3(c)(ii), above.

            (d) A Delinquent Revolving Credit Lender shall not be relieved of
any obligation of such Delinquent Revolving Credit Lender hereunder (all and
each of which shall constitute continuing obligations on the part of any
Delinquent Revolving Credit Lender).

            (e) A Delinquent Revolving Credit Lender may cure its status as a
Delinquent Revolving Credit Lender by paying the Administrative Agent the
aggregate of the following:

                  (i) The Administrative Agent's Cover (to the extent not
      previously repaid by the Borrowers and retained by the Administrative
      Agent in accordance with Subsection 13.3(c)(iv), above) with respect to
      that Delinquent Revolving Credit Lender.

                  Plus

                  (ii) The aggregate of the amount payable under Subsection
      13.3(c)(iii), above (which relates to interest to be paid by that
      Delinquent Revolving Credit Lender).

                  Plus

                  (iii) All such costs and expenses as may be incurred by the
      Administrative Agent in the enforcement of the Administrative Agent's
      rights against such Delinquent Revolving Credit Lender.

      13.4. ORDINARY COURSE DISTRIBUTIONS. (This Section 13.4 applies unless the
provisions of Section 14.6 (which relates to distributions in the event of a
Liquidation) becomes operative).

            (a) Weekly, on each Thursday (or more frequently at the
Administrative Agent's option) the Administrative Agent and each Revolving
Credit Lender shall settle up on amounts advanced under the Revolving Credit and
payments received on account of the Revolving Credit (including, without
limitation, collected funds received in the Administrative Agent's Accounts and
not released to the Operating Accounts as provided herein).

            (b) The Administrative Agent shall distribute to the SwingLine
Lender and to each Revolving Credit Lender, such Person's respective pro-rata
share of payments of interest and fees on account of the Revolving Credit when
actually received and collected by the Administrative Agent. For purposes of
calculating interest due to a Revolving Credit Lender, that Revolving Credit
Lender shall be entitled to receive interest on the actual amount contributed by
that Revolving Credit Lender towards the principal balance of the Revolving
Credit Loans outstanding during the applicable period covered by the interest
payment made by the Borrowers. Any net principal reductions to the Revolving
Credit Loans received by the Administrative Agent in accordance with the Loan
Documents during such period shall not reduce such actual amount so contributed,
for purposes of calculation of interest due to that


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Revolving Credit Lender, until the Administrative Agent has distributed to that
Revolving Credit Lender its pro-rata share thereof.

            (c) No Revolving Credit Lender shall have any interest in, or right
to receive any part of, the Underwriting Fee, the Structuring Fee or the
Collateral Monitoring Fee to be paid by the Borrowers to the Administrative
Agent pursuant to this Agreement.

            (d) Any amount received by the Administrative Agent as reimbursement
for any cost or expense (including without limitation, reasonable attorneys'
fees) shall be distributed by the Administrative Agent to that Person which is
entitled to such reimbursement as provided in this Agreement (and if such
Person(s) is (are) the Revolving Credit Lenders, pro-rata based upon their
respective Revolving Credit Commitment Percentages at the date on which the
expense, in respect of which such reimbursement is being made, was incurred).

            (e) Each distribution pursuant to this Section 13.4 is subject to
Section 13.3(c), above.

ARTICLE 14 - ACCELERATION AND LIQUIDATION:

      14.1. ACCELERATION NOTICES

            (a) The Administrative Agent may give the Revolving Credit Lenders
an Acceleration Notice at any time following the occurrence of an Event of
Default.

            (b) The SuperMajority Lenders may give the Administrative Agent an
Acceleration Notice at any time following the occurrence of an Event of Default.
Such notice may be by multiple counterparts, provided that counterparts executed
by the requisite Revolving Credit Lenders are received by the Administrative
Agent within a period of five (5) consecutive Business Days.

      14.2. ACCELERATION Unless stayed by judicial or statutory process, the
Administrative Agent shall Accelerate the Liabilities on account of the
Revolving Credit within a commercially reasonable time following:

            (a) The Administrative Agent's giving of an Acceleration Notice to
the Revolving Credit Lenders as provided in Section 14.1(a).

            (b) The Administrative Agent's receipt of an Acceleration Notice
from the SuperMajority Lenders, in compliance with Section 14.1(b).

      14.3. INITIATION OF LIQUIDATION Unless stayed by judicial or statutory
process, a Liquidation shall be initiated by the Administrative Agent within a
commercially reasonable time following Acceleration of Liabilities on account of
the Revolving Credit.

      14.4. ACTIONS AT AND FOLLOWING INITIATION OF LIQUIDATION

            (a) At the initiation of a Liquidation:


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                  (i) The unpaid principal balance of the SwingLine Loan (if
      any) shall be converted, pursuant to Section 13.2(b)(iii), to a Revolving
      Credit Loan in which all Revolving Credit Lenders participate.

                  (ii) The Administrative Agent and the Revolving Credit Lenders
      shall "net out" each Revolving Credit Lender's respective contributions
      towards the Revolving Credit Loans, so that each Revolving Credit Lender
      holds that Revolving Credit Lender's Revolving Credit Commitment
      Percentage of the Revolving Credit Loans and advances.

            (b) Following the initiation of a Liquidation, each Revolving Credit
Lender shall contribute, towards any L/C and Banker's Acceptance thereafter
honored and not immediately reimbursed by the Borrowers, that Revolving Credit
Lender's Revolving Credit Commitment Percentage of such honoring.

      14.5. COLLATERAL AGENT' CONDUCT OF LIQUIDATION

            (a) Any Liquidation shall be conducted by the Collateral Agent,
subject to the direction of the SuperMajority Lenders.

            (b) The Collateral Agent may establish one or more Nominees to "bid
in" or otherwise acquire ownership to any Post Foreclosure Asset.

            (c) The Collateral Agent shall manage the Nominee and manage and
dispose of any Post Foreclosure Assets with a view towards the realization of
the economic benefits of the ownership of the Post Foreclosure Assets and in
such regard, the Collateral Agent and/or the Nominee may operate, repair,
manage, maintain, develop, and dispose of any Post Foreclosure Asset in such
manner as the Collateral Agent determine as appropriate under the circumstances.

            (d) The Collateral Agent may decline to undertake or to continue
taking a course of action or to execute an action plan (whether proposed by the
Collateral Agent or any Revolving Credit Lender) unless indemnified to the
Collateral Agent' satisfaction by the Revolving Credit Lenders against any and
all liability and expense which may be incurred by the Collateral Agent by
reason of taking or continuing to take that course of action or action plan.

            (e) Each Revolving Credit Lender shall execute all such instruments
and documents not inconsistent with the provisions of this Agreement as the
Collateral Agent and/or the Nominee reasonably may request with respect to the
creation and governance of any Nominee, the conduct of the Liquidation, and the
management and disposition of any Post Foreclosure Asset.

      14.6. DISTRIBUTION OF LIQUIDATION PROCEEDS:

            (a) The Collateral Agent may establish one or more reasonably funded
reserve accounts into which proceeds of the conduct of any Liquidation may be
deposited in anticipation of future expenses which may be incurred by the
Collateral Agent in the exercise of rights as a


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secured creditor of the Borrowers and prior claims which the Collateral Agent
anticipate may need to be paid.

            (b) The Collateral Agent shall distribute the net proceeds of
Liquidation to the Administrative Agent for application in accordance with the
relative priorities set forth in Section 14.7.

            (c) Each Revolving Credit Lender, on the written request of the
Collateral Agent and/or any Nominee, not more frequently than once each month,
shall reimburse the Collateral Agent and/or any Nominee, pro-rata, for any cost
or expense reasonably incurred by the Collateral Agent and/or the Nominee in the
conduct of a Liquidation, which amount is not covered out of current proceeds of
the Liquidation, which reimbursement shall be paid over to and distributed by
the Collateral Agent.

      14.7. RELATIVE PRIORITIES TO PROCEEDS OF LIQUIDATION

            (a) All distributions of proceeds of a Liquidation shall be net of
payment over to the Collateral Agent as reimbursement for all reasonable third
party costs and expenses incurred by the Collateral Agent and to Lenders'
Special Counsel and to any funded reserve established pursuant to Section
14.6(a).

            (b) Subject to the provisions of Section 14.7(c) below, the proceeds
of a Liquidation, net of those amounts described in Section 13.3(c)(iv), shall
be distributed based on the following priorities:

                  (i) To the SwingLine Lender, on account of any SwingLine loans
      not converted to Revolving Credit Loans pursuant to Section 14.4(a)(i);
      and then

                  (ii) To the Revolving Credit Lenders (other than any
      Delinquent Revolving Credit Lender), pro-rata, to the unpaid principal
      balance of the Revolving Credit; and then

                  (iii) To the Revolving Credit Lenders (other than any
      Delinquent Revolving Credit Lender), pro-rata, to accrued interest on the
      Revolving Credit; and then

                  (iv) To the Revolving Credit Lenders (other than any
      Delinquent Revolving Credit Lender), pro-rata, to those fees distributable
      hereunder to the Revolving Credit Lenders; and then

                  (v) To any Delinquent Revolving Credit Lenders, pro-rata to
      amounts to which such Delinquent Revolving Credit Lenders otherwise would
      have been entitled pursuant to Sections 14.7(b)(ii), 14.7(b)(iii),
      14.7(b)(iv); and then

                  (vi) To any other Liabilities, including any obligations
      due on account of Hedge Agreements.


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ARTICLE 15 - THE AGENT:

      15.1. APPOINTMENT OF THE AGENT

            (a) Each Lender appoints and designates NCBC as the "Administrative
Agent" hereunder and under the Loan Documents.

            (b) Each Lender appoints and designates NCBC as the "Collateral
Agent" hereunder and under the Loan Documents.

            (c) Each Revolving Credit Lender authorizes the Agent:

                  (i) To execute those of the Loan Documents and all other
      instruments relating thereto to which any Agent is a party.

                  (ii) To take such action on behalf of the Revolving Credit
      Lenders and to exercise all such powers as are expressly delegated to such
      Agent hereunder and in the Loan Documents and all related documents,
      together with such other powers as are reasonably incident thereto.

      15.2. RESPONSIBILITIES OF AGENT

            (a) The Agent shall not have any duties or responsibilities to, or
any fiduciary relationship with, any Revolving Credit Lender except for those
expressly set forth in this Agreement.

            (b) No Agent or any of their respective Affiliates shall be
responsible to any Revolving Credit Lender for any of the following:

                  (i) Any recitals, statements, representations or
      warranties made by any Borrower or any other Person.

                  (ii) Any appraisals or other assessments of the assets of any
      Borrower or of any other Person responsible for or on account of the
      Liabilities.

                  (iii) The value, validity, effectiveness, genuineness,
      enforceability, or sufficiency of the Loan Agreement, the Loan Documents
      or any other document referred to or provided for therein.

                  (iv) Any failure by any Borrower or any other Person (other
      than the applicable Agent) to perform its respective obligations under the
      Loan Documents.

            (c) Each Agent may employ attorneys, accountants, and other
professionals and agents and attorneys-in-fact and shall not be responsible for
the negligence or misconduct of any such attorneys, accountants, and other
professionals or agents or attorneys-in-fact selected by the Agent with
reasonable care. No such attorney, accountant, other professional, agents, or


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attorney-in-fact shall be responsible for any action taken or omitted to be
taken by any other such Person.

            (d) No Agent, or any of their respective directors, officers, or
employees shall be responsible for any action taken or omitted to be taken or
omitted to be taken by any other of them in connection herewith in reliance upon
advice of its counsel nor, in any other event except for any action taken or
omitted to be taken as to which a final judicial determination has been or is
made (in a proceeding in which such Person has had an opportunity to be heard)
that such Person had acted in a grossly negligent manner, in actual bad faith,
or in willful misconduct.

            (e) No Agent shall have any responsibility in any event for more
funds than such Agent actually receives and collects.

            (f) Each Agent, in its separate capacity as a Lender, shall have the
same rights and powers hereunder as any other Lender.

      15.3. CONCERNING DISTRIBUTIONS BY THE AGENT

            (a) The Administrative Agent in its reasonable discretion based upon
any Agent's determination of the likelihood that additional payments will be
received, expenses incurred, and/or claims made by third parties to all or a
portion of such proceeds, may delay the distribution of any payment received on
account of the Liabilities.

            (b) The Administrative Agent may disburse funds prior to determining
that the sums which the Agent expects to receive have been finally and
unconditionally paid to any Agent. If and to the extent that the Administrative
Agent does disburse funds and it later becomes apparent that an Agent did not
then receive a payment in an amount equal to the sum paid out, then any
Revolving Credit Lender to whom the Administrative Agent made the funds
available, on demand from the Administrative Agent, shall refund to the
Administrative Agent the sum paid to that Person.

            (c) If, in the opinion of the Agent, the distribution of any amount
received by the Agent might involve any Agent in liability, or might be
prohibited hereby, or might be questioned by any Person, then the Administrative
Agent may refrain from making distribution until the Agent's right to make
distribution has been adjudicated by a court of competent jurisdiction.

            (d) The proceeds of any Revolving Credit Lender's exercise of any
right of, or in the nature of, set-off shall be deemed, First, to the extent
that a Revolving Credit Lender is entitled to any distribution hereunder, to
constitute such distribution and Second, shall be shared with the other
Revolving Credit Lenders as if distributed pursuant to (and shall be deemed as
distributions under) Section 14.7.

            (e) Each Revolving Credit Lender recognizes that the crediting of
the Borrowers with the "proceeds" of any transaction in which a Post Foreclosure
Asset is acquired


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is a non-cash transaction and that, in consequence, no distribution of such
"proceeds" will be made by the Administrative Agent to any Revolving Credit
Lender.

            (f) In the event that (x) a court of competent jurisdiction shall
adjudge that any amount received and distributed by the Agents is to be repaid
or disgorged or (y) those Lenders adversely affected thereby determine to effect
such repayment or disgorgement, then each Revolving Credit Lender to which any
such distribution shall have been made shall repay, to the Agents which had made
such distribution, that Revolving Credit Lender's pro-rata share of the amount
so adjudged or determined to be repaid or disgorged.

      15.4. DISPUTE RESOLUTION: Any dispute among the Revolving Credit Lenders
and/or any Agent concerning the interpretation, administration, or enforcement
of the financing arrangements contemplated by this or any other Loan Document or
the interpretation or administration of this or any other Loan Document which
cannot be resolved amicably shall be resolved in the United States District
Court for the District of Ohio, sitting in Cleveland, Ohio, or in the courts of
Cuyahoga County, Ohio, to the jurisdiction of which courts each Revolving Credit
Lender hereto hereby submits.

      15.5. DISTRIBUTIONS OF NOTICES AND OF DOCUMENTS The Administrative Agent
will forward to each Revolving Credit Lender, promptly after the Administrative
Agent's receipt thereof, a copy of each notice or other document furnished to
the Administrative Agent pursuant to this Agreement, including monthly,
quarterly, and annual financial statements received from the Lead Borrower
pursuant to Article 6 of this Agreement, other than any of the following:

            (a) Routine communications associated with requests for Revolving
Credit Loans and/or the issuance of L/Cs and Banker's Acceptances.

            (b) Routine or nonmaterial communications.

            (c) Any notice or document required by any of the Loan Documents to
be furnished directly to the Revolving Credit Lenders by the Lead Borrower.

            (d) Any notice or document of which the Administrative Agent has
knowledge that such notice or document had been forwarded to the Revolving
Credit Lenders other than by the Administrative Agent.

      15.6. CONFIDENTIAL INFORMATION

            (a) Each Revolving Credit Lender will maintain, as
confidential, all of the following:

                  (i) Proprietary approaches, techniques, and methods of
      analysis which are applied by the Agent in the administration of the
      credit facility contemplated by this Agreement.


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                  (ii) Proprietary forms and formats utilized by the Agent in
      providing reports to the Revolving Credit Lenders pursuant hereto, which
      forms or formats are not of general currency.

            (b) Nothing included herein shall prohibit the disclosure of any
such information as may be required to be provided by judicial process or by
regulatory authorities having jurisdiction over any party to this Agreement.

      15.7. RELIANCE BY AGENT Each Agent shall be entitled to rely upon any
certificate, notice or other document (including any cable, telegram, telex, or
facsimile) reasonably believed by such Agent to be genuine and correct and to
have been signed or sent by or on behalf of the proper Person or Persons, and
upon advice and statements of attorneys, accountants and other experts selected
by the Agent. As to any matters not expressly provided for in this Agreement,
any Loan Document, or in any other document referred to therein, the Agent shall
in all events be fully protected in acting, or in refraining from acting, in
accordance with the applicable Consent required by this Agreement. Instructions
given with the requisite Consent shall be binding on all Revolving Credit
Lenders.

      15.8. NON-RELIANCE ON AGENT AND OTHER REVOLVING CREDIT LENDERS

            (a) Each Revolving Credit Lender represents to all other Revolving
Credit Lenders and to each Agent that such Revolving Credit Lender:

                  (i) Independently and without reliance on any representation
      or act by any Agent or by any other Revolving Credit Lender, and based on
      such documents and information as that Revolving Credit Lender has deemed
      appropriate, has made such Revolving Credit Lender's own appraisal of the
      financial condition and affairs of the Borrowers and decision to enter
      into this Agreement.

                  (ii) Has relied upon that Revolving Credit Lender's review of
      the Loan Documents by that Revolving Credit Lender and by counsel to that
      Revolving Credit Lender as that Revolving Credit Lender deemed appropriate
      under the circumstances.

            (b) Each Revolving Credit Lender agrees that such Revolving Credit
Lender, independently and without reliance upon any Agent or any other Revolving
Credit Lender, and based upon such documents and information as such Revolving
Credit Lender shall deem appropriate at the time, will continue to make such
Revolving Credit Lender's own appraisals of the financial condition and affairs
of the Borrowers when determining whether to take or not to take any
discretionary action under this Agreement.

            (c) Each Agent, in the discharge of that Agent's duties hereunder,
shall not be required to make inquiry of, or to inspect the properties or books
of, any Person.

            (d) Except for notices, reports, and other documents and information
expressly required to be furnished to the Revolving Credit Lenders by the
Administrative Agent hereunder (as to which, see Section 15.5), no Agent shall
have any affirmative duty or


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responsibility to provide any Lender with any credit or other information
concerning any Person, which information may come into the possession of the
Agent or any Affiliate of any Agent.

            (e) Each Revolving Credit Lender, at such Revolving Credit Lender's
request, shall have reasonable access to all nonprivileged documents in the
possession of any Agent, which documents relate to the Agent's performance of
their respective duties hereunder.

      15.9. INDEMNIFICATION Without limiting the liabilities of the Borrowers
under this Agreement or any of the other Loan Documents, each Revolving Credit
Lender shall indemnify each Agent, pro-rata, for any and all liabilities,
obligations, losses, damages, penalties, actions, judgments, suits, costs,
expenses or disbursements of any kind or nature whatsoever (including attorneys'
reasonable fees and expenses and other out-of-pocket expenditures) which may at
any time be imposed on, incurred by, or asserted against such Agent and in any
way relating to or arising out of this Agreement or any other Loan Document or
any documents contemplated by or referred to therein or the transactions
contemplated thereby or the enforcement of any of terms hereof or thereof or of
any such other documents, provided, however, no Revolving Credit Lender shall be
liable for any of the foregoing to the extent that any of the foregoing arises
from any action taken or omitted to be taken by an Agent as to which a final
judicial determination has been or is made (in a proceeding in which such Agent
has had an opportunity to be heard) that such Agent had acted in a grossly
negligent manner, in actual bad faith, or in willful misconduct.

      15.10. RESIGNATION OF AGENT

            (a) Any Agent may resign at any time by giving 30 days prior written
notice thereof to the Revolving Credit Lenders. Upon receipt of any such notice
of resignation, the SuperMajority Lenders shall have the right to appoint a
successor to such Agent (and if no Event of Default has occurred and is
continuing, with the consent of the Lead Borrower, not to be unreasonably
withheld and, in any event, deemed given by the Lead Borrower if no written
objection is provided by the Lead Borrower to the (resigning) Agent within ten
(10) Business Days notice of such proposed appointment). If a successor Agent
shall not have been so appointed and accepted such appointment within 30 days
after the giving of notice by the resigning Agent, then the resigning Agent may
appoint a successor Agent, which shall be a financial institution having a
combined capital and surplus in excess of $100,000,000. The consent of the Lead
Borrower otherwise required by this Section 15.10(a) shall not be required if an
Event of Default has occurred and is continuing.

            (b) Upon the acceptance of any appointment as Agent hereunder by a
successor Agent, such successor shall thereupon succeed to, and become vested
with, all the rights, powers, privileges, and duties of the (resigning) Agent so
replaced, and the (resigning) Agent shall be discharged from the (resigning)
Agent's duties and obligations hereunder, other than on account of any
responsibility for any action taken or omitted to be taken by the (resigning)
Agent as to which a final judicial determination has been or is made (in a
proceeding in which the (resigning) Person has had an opportunity to be heard)
that such Person had acted in a grossly negligent manner or in bad faith, or in
willful misconduct.


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            (c) After any retiring Agent's resignation, the provisions of this
Agreement and of all other Loan Documents shall continue in effect for the
retiring Person's benefit in respect of any actions taken or omitted to be taken
by it while it was acting as Agent.

      15.11. LEAD ARRANGER.

      Notwithstanding the provisions of this Agreement or any of the other Loan
Documents, the Lead Arranger shall have no powers, rights, duties,
responsibilities or liabilities with respect to this Agreement and the other
Loan Documents other than confidentiality provisions contained herein.

ARTICLE 16 - ACTION BY AGENT - CONSENTS - AMENDMENTS - WAIVERS:

      16.1. ADMINISTRATION OF CREDIT FACILITIES

            (a) Except as otherwise specifically provided in this Agreement,
each Agent may take any action with respect to the credit facility contemplated
by the Loan Documents as the applicable Agent determines to be appropriate,
provided, however, no Agent is under any affirmative obligation to take any
action which it is not required by this Agreement or the Loan Documents
specifically to so take.

            (b) Except as specifically provided in the following Sections of
this Agreement, whenever a Loan Document or this Agreement provides that action
may be taken or omitted to be taken in an Agent's reasonable, good faith
discretion, the Agent shall have the sole right to take, or refrain from taking,
such action without, and notwithstanding, any vote of the Revolving Credit
Lenders:

            Actions Described in Section        Type of Consent Required
            ----------------------------  ------------------------------

            16.2                          Majority Lenders
            16.3                          SuperMajority Lenders
            16.4                          Certain Consent
            16.5                          Unanimous Consent
            16.6                          Consent of SwingLine Lender
            16.7                          Consent of the Agent

            (c) The rights granted to the Revolving Credit Lenders in those
sections referenced in Section 16.1(b) shall not otherwise limit or impair any
Agent's exercise of its reasonable, good faith discretion under the Loan
Documents.

      16.2. ACTIONS REQUIRING OR ON DIRECTION OF MAJORITY LENDERS

      Except as otherwise provided in this Agreement, the Consent or direction
of the Majority Lenders is required for any amendment, waiver, or modification
of any Loan Document.

      16.3. ACTIONS REQUIRING OR ON DIRECTION OF SUPERMAJORITY LENDERS


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         The Consent or direction of the SuperMajority Lenders is required as
follows:

               (a) The SuperMajority Lenders may direct the Administrative Agent
to permit Protective OverAdvances to be outstanding for more than 45 consecutive
Business Days or more than twice in any twelve month period (the Revolving
Credit Lenders recognizing that, except as described in this Section 16.3(a),
any loan or advance under the Revolving Credit which results in a Protective
OverAdvance may be made by the Administrative Agent in its reasonable, good
faith discretion without the Consent of the Revolving Credit Lenders, whether or
not a Default exists, and that each Revolving Credit Lender shall be bound
thereby).

               (b) The SuperMajority Lenders may direct the Administrative Agent
to suspend the Revolving Credit, if any Default is then occurring, following
which direction, and for as long as a Default is then occurring, the only
Revolving Credit Loans which may be made are the following:

                  (i) Protective OverAdvances not otherwise prohibited as
         provided in 16.3(a).

                  (ii) Revolving Credit Loans made to "cover" the honoring of
         L/C's and Banker's Acceptances.

                  (iii) Revolving Credit Loans made with Consent of the
         SuperMajority Lenders.

               (c) The SuperMajority Lenders may undertake the following if an
Event of Default has occurred and is continuing:

                  (i) Give the Administrative Agent an Acceleration Notice in
         accordance with Section 14.1(b).

                  (ii) Direct the Administrative Agent to increase the rate of
         interest to the default rate of interest as provided in, and to the
         extent permitted by, this Agreement.

         16.4. ACTION REQUIRING CERTAIN CONSENT The Consent or direction of the
following is required for the following actions:

               (a) Any forgiveness of all or any portion of any payment
Liability: All Revolving Credit Lenders whose payment Liability is being so
forgiven: (other than any Delinquent Revolving Credit Lender).

               (b) Any decrease in any interest rate or fee payable under any of
the Loan Documents (other than any fee payable to the Administrative Agent (for
which the consent of the Administrative Agent shall be required): All Revolving
Credit Lenders adversely affected thereby (other than any Delinquent Revolving
Credit Lender).


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               (c) Any postponement of the scheduled time for payment of any
amount payable under any of the Loan Documents:All Revolving Credit Lenders
adversely affected thereby (other than any Delinquent Revolving Credit Lender).

               (d) Volitional Disgorgement as described in 15.3(f): Each
Revolving Credit Lender (other than any Delinquent Revolving Credit Lender)
which is adversely affected thereby.

               (e) Increase in the SwingLine Ceiling: The consent of the
SwingLine Lender and the Majority Lenders.

         16.5. ACTIONS REQUIRING OR DIRECTED BY UNANIMOUS CONSENT None of the
following may take place except with Unanimous Consent:

               (a) Any release of a material portion of the Collateral, but such
Consent to such release is not required if any of the following conditions is
satisfied:

                  (i) Such release is otherwise required or provided for in the
         Loan Documents.

                  (ii) Such release is being made to facilitate a Liquidation.

                  (iii) No OverLoan exists immediately after giving effect to
         the application to the Loan Account of the net proceeds received on
         account of the transaction in which such release is made.

               (b) Any amendment of the Definitions of "DSW Borrowing Base", DSW
Availability" or of any definition of any component thereof, such that more
credit would be available to a Borrower, based on the same assets, as would have
been available to such Borrower immediately prior to such amendment , it being
understood, however, that:

                  (i) The foregoing shall not limit the adjustment by the
         Collateral Agent of any Reserve or the Inventory Advance Rate in the
         Collateral Agent' administration of the Revolving Credit as otherwise
         permitted by this Agreement.

                  (ii) The foregoing shall not prevent the Administrative Agent,
         in its administration of the Revolving Credit, from restoring any
         component of the DSW Borrowing Base which had been lowered by the
         Administrative Agent back to the value of such component, as stated in
         this Agreement or to an intermediate value.

               (c) Any waiver, amendment, or modification which has the effect
of increasing any Revolving Credit Dollar Commitment, Revolving Credit
Commitment Percentage, or the Revolving Credit Ceiling, except that no Consent
shall be required for any such increase which is the result of the application
of the following Sections of this Agreement:

                  (i) Section 16.10 (which relates to NonConsenting Revolving
         Credit Lenders).


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                  (ii) Section 17.1 (which relates to assignments and
         assumptions).

               (d) Any release of any Person obligated on account of the
Liabilities.

               (e) The making of any Revolving Credit Loan which, when made,
exceeds Availability and is not a Protective OverAdvance, subject, however, to
the following:

                  (i) No Consent is required in connection with the making of
         any Revolving Credit Loan to "cover" any honoring of a drawing under
         any L/C or any Banker's Acceptance.

                  (ii) Each Lender recognizes that subsequent to the making of a
         Revolving Credit Loan which does not constitute a Protective
         OverAdvance, the unpaid principal balance of the Loan Account may
         exceed the DSW Borrowing Base on account of changed circumstances
         beyond the control of the Agent (such as a drop in collateral value).

               (f) Any amendment which has the effect of limiting the
Administrative Agent's right or ability to make Protective OverAdvances.

               (g) The waiver of the obligation of the Borrowers to reduce the
unpaid principal balance of loans under the Revolving Credit to an amount so
that no OverLoan (other than a Protective OverAdvance) is outstanding.

               (h) Any amendment of this Article 16.

               (i) Any subordination of the Liabilities to any material
obligation of any Borrower, unless such subordination is otherwise required
pursuant to this or is permitted by this Agreement.

               (j) Amendment of any of the following Definitions:

                       "Majority Lender"
                       "Maturity Date"
                       "Protective OverAdvance"
                       "SuperMajority Lenders
                       "Unanimous Consent"

         16.6. ACTIONS REQUIRING SWINGLINE LENDER CONSENT No action, amendment,
or waiver of compliance with, any provision of the Loan Documents or of this
Agreement which affects the SwingLine Lender may be undertaken without the
Consent of the SwingLine Lender.

         16.7. ACTIONS REQUIRING AGENT'S CONSENT


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               (a) No action, amendment, or waiver of compliance with, any
provision of the Loan Documents or of this Agreement which affects any Agent in
its capacity as Agent may be undertaken without the written consent of such
Agent.

               (b) No action referenced herein which affects the rights, duties,
obligations, or liabilities of any Agent shall be effective without the written
consent of such Agent.

         16.8. MISCELLANEOUS ACTIONS

               (a) Notwithstanding any other provision of this Agreement, no
single Revolving Credit Lender independently may exercise any right of action or
enforcement against or with respect to any Borrower.

               (b) Each Agent shall be fully justified in failing or refusing to
take action under this Agreement or any Loan Document on behalf of any Revolving
Credit Lender unless such Agent shall first

                  (i) receive such clear, unambiguous, written instructions as
         such Agent deem appropriate; and

                  (ii) be indemnified to such Agent's satisfaction by the
         Revolving Credit Lenders against any and all liability and expense
         which may be incurred by such Agent by reason of taking or continuing
         to take any such action, unless such action had been grossly negligent,
         in willful misconduct, or in bad faith.

               (c) The Agent may establish reasonable procedures for the
providing of direction and instructions from the Revolving Credit Lenders to the
Agent, including its reliance on multiple counterparts, facsimile transmissions,
and time limits within which such direction and instructions must be received in
order to be included in a determination of whether the requisite Lenders have
provided their direction, Consent, or instructions.

         16.9. ACTIONS REQUIRING LEAD BORROWER'S CONSENT

               (a) The Lead Borrower's consent is required for any amendment of
this Agreement, except that each of the following Articles of this Agreement may
be amended without the consent of the Lead Borrower:

               Article     Title of Article
               ----------------------------
               13           Revolving Credit Fundings and Distributions

               14           Acceleration and Liquidation (other than any
                            modifications to the requisite percentage of
                            Revolving Credit Lenders which may furnish an
                            Acceleration Notice under Section 14.1(b))

               15.1         The Agent (provided that the provisions of
                            Section 15.10(a) relating to the Lead Borrower's
                            consent to a successor Agent in


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                            certain circumstances may not be amended without the
                            Lead Borrower's consent).

               16           Action By Agents - Consents - Amendments -
                            Waivers (other than as provided in Section 16.9(b))

               17           Assignments and Participations (provided that the
                            provisions of Section 17.1(a)(i) relating to the
                            Lead Borrower's consent to an assignment in certain
                            circumstances may not be amended without the Lead
                            Borrower's consent).

               (b) Subject to Section 16.9(c), the following Sections of Article
16 may not be amended without the consent of the Lead Borrower:

                Actions Described in Section  Type of Consent Required
                ------------------------------------------------------

                16.3                           SuperMajority Lenders
                16.5                           Unanimous Consent
                16.9                           Actions Requiring Lead Borrower's
                                               Consent

and further provided that no provision of any Article listed in Section 16.9(a)
that (i) obligates any of the Agents to exercise reasonable, good faith
discretion, or (ii) imposes liability on any Person for acting in a grossly
negligent manner, in actual bad faith or willful misconduct, or (iii) imposes
any confidentiality obligation under this Agreement on any Person, may be
amended without the consent of the Lead Borrower.

               (c) The Lead Borrower's consent to the amendment of those
provisions referenced in Section 16.9(b)

                  (i) Shall be deemed given unless written objection is made,
         within seven (7) Business Days following the Administrative Agent's
         giving notice to the Lead Borrower of the proposed amendment; and

                  (ii) shall not be required following the occurrence of any
         Event of Default.

         16.10. NONCONSENTING REVOLVING CREDIT LENDER

               (a) In the event that a Revolving Credit Lender (in this Section
16.10, a "NONCONSENTING REVOLVING CREDIT LENDER") does not provide its Consent
to a proposal by an Agent to take action which requires consent under this
Article 16, then one or more Revolving Credit Lenders who provided Consent to
such action may require the assignment, without recourse and in accordance with
the procedures outlined in Section 17.1, below, of the NonConsenting Revolving
Credit Lender's Loan Commitment hereunder on fifteen (15) days written notice to
the Administrative Agent and to the NonConsenting Revolving Credit Lender.


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               (b) At the end of such fifteen (15) days, and provided that the
NonConsenting Revolving Credit Lender delivers the Revolving Credit Note held by
the NonConsenting Revolving Credit Lender to the Administrative Agent (or a lost
note affidavit and indemnity reasonably acceptable to the Administrative Agent),
the Revolving Credit Lenders who have given such written notice shall Transfer
the following to the NonConsenting Revolving Credit Lender:

                  (i) Such NonConsenting Revolving Credit Lender's pro-rata
         share of the principal and interest of the Revolving Credit Loans to
         the date of such assignment. (ii) All fees distributable hereunder to
         the NonConsenting Revolving Credit Lender to the date of such
         assignment.

                  (iii) Any out-of-pocket costs and expenses for which the
         NonConsenting Revolving Credit Lender is entitled to reimbursement from
         the Borrowers.

               (c) In the event that the NonConsenting Revolving Credit Lender
fails to deliver to the Administrative Agent the Revolving Credit Note held by
the NonConsenting Revolving Credit Lender (or a lost note affidavit and
indemnity) as provided in Section 16.10(b), then:

                  (i) The amount otherwise to be Transferred to the
         NonConsenting Revolving Credit Lender shall be Transferred to the
         Administrative Agent and held by the Administrative Agent, without
         interest, to be turned over to the NonConsenting Revolving Credit
         Lender upon delivery of the Revolving Credit Note held by that
         NonConsenting Revolving Credit Lender (or a lost note affidavit and
         indemnity).

                  (ii) The Revolving Credit Note held by the NonConsenting
         Revolving Credit Lender shall have no force or effect whatsoever.

                  (iii) The NonConsenting Revolving Credit Lender shall cease to
         be a "Revolving Credit Lender".

                  (iv) The Revolving Credit Lender(s) which have Transferred the
         amount to the Administrative Agent as described above shall have
         succeeded to all rights and become subject to all of the obligations of
         the NonConsenting Revolving Credit Lender as "Revolving Credit Lender".

               (d) In the event that more than one (1) Revolving Credit Lender
wishes to require such assignment, the NonConsenting Revolving Credit Lender's
Loan Commitment hereunder shall be divided among such Revolving Credit Lenders,
pro-rata based upon their respective Revolving Credit Commitment Percentages,
with the Administrative Agent coordinating such transaction.


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               (e) The Administrative Agent shall coordinate the retirement of
the Revolving Credit Note held by the NonConsenting Revolving Credit Lender and
the issuance of Revolving Credit Notes to those Revolving Credit Lenders which
"take-out" such NonConsenting Revolving Credit Lender, provided, however, no
processing fee otherwise to be paid as provided in Section 17.2(b) shall be due
under such circumstances.

ARTICLE 17 - ASSIGNMENTS BY REVOLVING CREDIT LENDERS:

         17.1. ASSIGNMENTS AND ASSUMPTIONS:

               (a) Except as provided herein, each Revolving Credit Lender (in
this Section 17.1(a), an "ASSIGNING REVOLVING CREDIT LENDER") may assign to one
or more Eligible Assignees (in this Section 17.1(a), each an "ASSIGNEE REVOLVING
CREDIT LENDER") all or a portion of that Revolving Credit Lender's interests,
rights and obligations under this Agreement and the Loan Documents (including
all or a portion of its Revolving Credit Dollar Commitment) and the same portion
of the Revolving Credit Loans at the time owing to it, and of the Revolving
Credit Note held by the Assigning Revolving Credit Lender, provided that:

                  (i) The Administrative Agent and, subject to the provisions of
         Section 2.22(d) hereof, the Lead Borrower, shall have given its prior
         written consent to such assignment, which consent shall not be
         unreasonably withheld, but need not be given if the proposed assignment
         would result in any resulting Revolving Credit Lender's having a
         Revolving Credit Dollar Commitment of less than the "minimum hold"
         amount specified in Section 17.1(a)(iii).

                  (ii) Each such assignment shall be of a constant, and not a
         varying, percentage of all the Assigning Revolving Credit Lender's
         rights and obligations under this Agreement.

                  (iii) Following the effectiveness of such assignment, the
         Assigning Revolving Credit Lender's Revolving Credit Dollar Commitment
         (if not an assignment of all of the Assigning Revolving Credit Lender's
         Loan Commitment) shall not be less than $5,000,000.00.

         17.2. ASSIGNMENT PROCEDURES. (This Section 17.2 describes the
procedures to be followed in connection with an assignment effected pursuant to
this Article 17 and permitted by Section 17.1).

               (a) The parties to such an assignment shall execute and deliver
to the Administrative Agent, for recording in the Register, an Assignment and
Acceptance substantially in the form of EXHIBIT 17.12, annexed hereto (each, an
"ASSIGNMENT AND ACCEPTANCE").

               (b) The Assigning Revolving Credit Lender shall deliver to the
Administrative Agent, with such Assignment and Acceptance, the Revolving Credit
Note held by the subject Assigning Revolving Credit Lender and the
Administrative Agent's processing fee of $3,500.00.


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               (c) The Administrative Agent shall maintain a copy of each
Assignment and Acceptance delivered to it and a register or similar list (the
"REGISTER") for the recordation of the names and addresses of the Revolving
Credit Lenders and of the Revolving Credit Dollar Commitment and Revolving
Credit Commitment Percentage of each Revolving Credit Lender. The Register shall
be available for inspection by the Revolving Credit Lenders at any reasonable
time and from time to time upon reasonable prior notice. In the absence of
manifest error, the entries in the Register shall be conclusive and binding on
all Revolving Credit Lenders. The Administrative Agent and the Revolving Credit
Lenders may treat each Person whose name is recorded in the Register as a
"Revolving Credit Lender" hereunder for all purposes of this Agreement.

               (d) The Assigning Revolving Credit Lender and Assignee Revolving
Credit Lender, directly between themselves, shall make all appropriate
adjustments in payments for periods prior to the effective date of an Assignment
and Assumption.

         17.3. EFFECT OF ASSIGNMENT.

               (a) From and after the effective date specified in an Assignment
and Acceptance which has been executed, delivered, and recorded (which effective
date the Administrative Agent may delay by up to five (5) Business Days after
the delivery of such Assignment and Acceptance):

                  (i) The Assignee Revolving Credit Lender:

                      (A) Shall be a party to this Agreement and the Loan
         Documents (and to any amendments thereof) as fully as if the Assignee
         Revolving Credit Lender had executed each..

                      (B) Shall have the rights of a Revolving Credit Lender
         hereunder to the extent of the Revolving Credit Dollar Commitment and
         Revolving Credit Commitment Percentage assigned by such Assignment and
         Acceptance.

                  (ii) The Assigning Revolving Credit Lender shall be released
         from the Assigning Revolving Credit Lender's obligations under this
         Agreement and the Loan Documents to the extent of the Loan Commitment
         assigned by such Assignment and Acceptance.

                  (iii) The Administrative Agent shall undertake to obtain and
         distribute replacement Revolving Credit Notes to the subject Assigning
         Revolving Credit Lender and Assignee Revolving Credit Lender.

               (b) By executing and delivering an Assignment and Acceptance, the
parties thereto confirm to and agree with each other and with all parties to
this Agreement as to those matters which are set forth in the subject Assignment
and Acceptance.


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ARTICLE 18 - NOTICES:

         18.1. NOTICE ADDRESSES. All notices, demands, and other communications
made in respect of any Loan Document (other than a request for a loan or advance
or other financial accommodation under the Revolving Credit) shall be made to
the following addresses, each of which may be changed upon seven (7) days
written notice to all others given by certified mail, return receipt requested:

               If to the Administrative Agent:

                        National City Business Credit, Inc.
                        1965 E. Sixth Street
                        Cleveland, Ohio 44114
                        Attention     : Joseph Kwasny
                        Fax           : (216) 222-9555

               With a copy to:

                        Riemer & Braunstein LLP
                        Three Center Plaza
                        Boston, Massachusetts  02108
                        Attention     :  David S. Berman, Esquire
                        Fax           : (617) 880-3456

               If to the Lead Borrower
               And All Borrowers:

                        DSW Inc.
                        4150 East Fifth Avenue
                        Columbus, Ohio 43219
                        Attention     :  Douglas Probst, Chief Financial Officer
                        Fax           :  (614) _______

               With a copy to:

                        Schottenstein Stores Corporation
                        1800 Moler Road
                        Columbus, Ohio 43207
                        Attention     : Irwin A. Bain, Esquire
                        Fax           : (614) 443-0972

               With a copy to:

                        Vorys, Sater, Seymour and Pease LLP
                        52 East Gay Street
                        Columbus, Ohio  43215


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                        Attention     : John B. Weimer, Esquire
                        Fax           : (614) 719-5086

         18.2. NOTICE GIVEN.

               (a) Except as otherwise specifically provided herein, notices
shall be deemed made and correspondence received, as follows (all times being
local to the place of delivery or receipt):

                  (i) By certified mail, return receipt requested: the date when
         actually received.

                  (ii) By recognized overnight express delivery: the Business
         Day following the day when sent.

                  (iii) By Hand: If delivered on a Business Day after 9:00 AM
         and no later than three (3) hours prior to the close of customary
         business hours of the recipient, when delivered. Otherwise, at the
         opening of the then next Business Day.

                  (iv) By Facsimile transmission (which must include a header on
         which the party sending such transmission is indicated): If sent on a
         Business Day after 9:00 AM and no later than three (3) hours prior to
         the close of customary business hours of the recipient, one (1) hour
         after being sent. Otherwise, at the opening of the then next Business
         Day.

         18.3. WIRE INSTRUCTIONS. NOTICE GIVEN. Subject to change in the same
manner that a notice address may be changed (as to which, see Section 18.1),
wire transfers to the Administrative Agent shall be made in accordance with the
following wire instructions:

                  National City Bank.
                  ABA Number       : 041000124
                  Account Name     : National City Business Credit, Inc.
                  Account Number   : _________
                  Reference        :DSW

ARTICLE 19 - TERM:

         19.1. TERMINATION OF REVOLVING CREDIT. The Revolving Credit shall
remain in effect (subject to suspension as provided in Section 2.6 hereof) until
the Termination Date.

         19.2. ACTIONS ON TERMINATION.

               (a) On the Termination Date, the Borrowers shall pay the
Administrative Agent (whether or not then due), in immediately available funds,
all Liabilities including, without limitation: the following:

                  (i) The entire balance of the Loan Account (including the
         unpaid principal balance of the Revolving Credit Loans, and the
         SwingLine Loan ).


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                  (ii) Any then remaining installments of the Collateral
         Monitoring Fee.

                  (iii) Any payments due on account of the indemnification
         obligations included in Section 2.11(f).

                  (iv) Any accrued and unpaid Unused Line Fee.

                  (v) All unreimbursed costs and expenses of each Agent and of
         Lenders' Special Counsel for which each Borrower is responsible.

                  (vi) All other Liabilities.

               (b) On the Termination Date, the Borrowers shall also shall make
such arrangements concerning any L/Cs and Banker's Acceptances then outstanding
as are reasonably satisfactory to the Administrative Agent.

               (c) Until such payment (Section 19.2(a)) and arrangements
concerning L/Cs and Banker's Acceptances (Section 19.2(b)), all provisions of
this Agreement, other than those included in Article 2 which place any
obligation on the Administrative Agent or any Revolving Credit Lender to make
any loans or advances or to provide any financial accommodations to any Borrower
shall remain in full force and effect until all Liabilities shall have been paid
in full.

               (d) On the Termination Date, and upon satisfaction by the Loan
Parties of the terms of Section 19.2(a) and (b), above, the Collateral Agent
shall release the Collateral Interests granted the Collateral Agent by the
Borrowers hereunder, which may be upon such conditions and indemnifications as
the Collateral Agent may reasonably require.

ARTICLE 20 - GENERAL:

         20.1. PROTECTION OF COLLATERAL. No Agent has any duty as to the
collection or protection of the Collateral beyond the safe custody of such of
the Collateral as may come into the possession of such Agent.

         20.2. PUBLICITY. Subject to the prior approval of the Lead Borrower
(which approval shall not be unreasonably withheld or delayed), the
Administrative Agent may issue a "tombstone" notice of the establishment of the
credit facility contemplated by this Agreement and may make reference to each
Borrower (and may utilize any logo or other distinctive symbol associated with
each Borrower) in connection with any advertising, promotion, or marketing
(including reference in any "case study" of the creditor facility contemplated
hereby) undertaken by the Administrative Agent.

         20.3. CONFIDENTIALITY. Each of the Agents, the Issuer, the Lead
Arranger, the Revolving Credit Lenders, the SwingLine Lender, and any Person
subject to this Section 20.3 by the terms of this Agreement (or behalf of
itself, and each of its directors, officers, and employees) agrees to maintain
the confidentiality of the Information (as defined below), except that
Information may be disclosed (a) to its and its Affiliates' directors, officers,
employees and


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agents, including accountants, legal counsel and other advisors (it being
understood that the Persons to whom such disclosure is made will be informed of
the confidential nature of such Information and instructed to keep such
Information confidential), (b) to the extent requested by any regulatory
authority, (c) to the extent required by applicable laws or regulations or by
any subpoena or similar legal process, (d) to any other party to this Agreement,
(e) in connection with the exercise of any remedies hereunder or any suit,
action or proceeding relating to this Agreement or any other Loan Document or
the enforcement of rights hereunder or thereunder, (f) to any assignee of or
Participant in, or any prospective assignee of or Participant in, any of its
rights or obligations under this Agreement and any actual or prospective
counterparty or advisors to any swap or derivative transactions relating to the
Loan Parties and the Liabilities (subject to an agreement executed for the
benefit of the Lead Borrower which contains provisions substantially the same as
those of this Section 20.3, (g) with the consent of the Loan Parties or (h) to
the extent such Information (i) becomes publicly available other than as a
result of a breach of this Section or (ii) becomes legally available to the
Agents, the Issuer, the Lead Arranger or any Revolving Credit Lender on a
nonconfidential basis from a source other than the Loan Parties. For the
purposes of this Section, the term "Information" means all information received
from the Loan Parties relating to their business, other than any such
information that is available to the Agents, the Issuer, the Lead Arranger or
any Revolving Credit Lender on a nonconfidential basis prior to disclosure by
the Loan Parties, provided that, in the case of information received from the
Loan Parties after the date hereof, such information is identified at the time
of delivery as confidential or of the type of information, such as business
plans or financial information as is customarily confidential. Any Person
required to maintain the confidentiality of Information as provided in this
Section shall be considered to have complied with its obligation to do so if
such Person has exercised the same degree of care to maintain the
confidentiality of such Information as such Person would accord to its own
confidential information that is of a similar nature. The confidentiality
provisions contained in this Agreement shall survive the termination, assignment
or invalidation of this Agreement, or of any of the rights and obligations
contained herein or therein.

         20.4. SUCCESSORS AND ASSIGNS. This Agreement shall be binding upon the
Borrowers and their respective representatives, successors, and assigns and
shall enure to the benefit of each Agent and each Revolving Credit Lender and
their respective successors and assigns, provided, however, no trustee or other
fiduciary appointed with respect to any Borrower shall have any rights
hereunder. In the event that any Agent or any Revolving Credit Lender assigns or
transfers its rights under this Agreement, the assignee shall thereupon succeed
to and become vested with all rights, powers, privileges, and duties of such
assignor hereunder and such assignor shall thereupon be discharged and relieved
from its duties and obligations hereunder.

         20.5. SEVERABILITY. Any determination that any provision of this
Agreement or any application thereof is invalid, illegal, or unenforceable in
any respect in any instance shall not affect the validity, legality, or
enforceability of such provision in any other instance, or the validity,
legality, or enforceability of any other provision of this Agreement.

         20.6. AMENDMENTS. COURSE OF DEALING.


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               (a) This Agreement and the other Loan Documents incorporate all
discussions and negotiations between each Borrower and each Agent and each
Revolving Credit Lender, either express or implied, concerning the matters
included herein and in such other instruments, any custom, usage, or course of
dealings to the contrary notwithstanding. No such discussions, negotiations,
custom, usage, or course of dealings shall limit, modify, or otherwise affect
the provisions hereof or thereof. No failure by any Agent or any Revolving
Credit Lender to give notice to the Lead Borrower of any Borrower's having
failed to observe and comply with any warranty or covenant included in any Loan
Document shall constitute a waiver of such warranty or covenant or the amendment
of the subject Loan Document. No change made by any Agent to the manner by which
Borrowing Base is determined shall obligate the Agent to continue to determine
Borrowing Base in that manner.

               (b) Each Borrower may undertake any action otherwise prohibited
hereby, and may omit to take any action otherwise required hereby, upon and with
the express prior written consent of the Administrative Agent. Subject to
Article 16, no consent, modification, amendment, or waiver of any provision of
any Loan Document shall be effective unless executed in writing by or on behalf
of the party to be charged with such modification, amendment, or waiver (and if
such party is the Administrative Agent then by a duly authorized officer
thereof). Any modification, amendment, or waiver provided by the Administrative
Agent shall be in reliance upon all representations and warranties theretofore
made to the Administrative Agent by or on behalf of the Borrowers (and any
guarantor, endorser, or surety of the Liabilities) and consequently may be
rescinded in the event that any of such representations or warranties was not
true and complete in all material respects when given.

         20.7. POWER OF ATTORNEY. In connection with all powers of attorney
included in this Agreement (which may be exercised only after the occurrence and
during the continuance of an Event of Default), each Borrower hereby grants unto
the Administrative Agent (acting through any of its officers) full power to do
any and all things necessary or appropriate in connection with the exercise of
such powers as fully and effectually as that Borrower might or could do, hereby
ratifying all that said attorney shall do or cause to be done by virtue of this
Agreement. No power of attorney set forth in this Agreement shall be affected by
any disability or incapacity suffered by any Borrower and each shall survive the
same. All powers conferred upon each Agent by this Agreement, being coupled with
an interest, shall be irrevocable until this Agreement is terminated by a
written instrument executed by a duly authorized officer of each Agent. The
Administrative Agent, as agent for the Borrowers under any power of attorney
included in this Agreement and the other Loan Documents, is not a fiduciary for
any Borrower, but instead, in exercising any one or more rights with respect to
such powers of attorney, may do so for the sole and exclusive benefit of the
Revolving Credit Lenders, and not for the benefit of any Borrower. The Borrowers
acknowledge and agree that the provisions of Title 20, Pennsylvania Consolidated
Statutes Section 5601 et seq., as amended (including, without limitation, Act 39
of 1999) shall not be applicable to any one or more powers of attorney contained
in any Loan Document previously, concurrently or in the future executed and
delivered by the Borrowers.


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         20.8. APPLICATION OF PROCEEDS. The proceeds of any collection, sale, or
disposition of the Collateral, or of any other payments received hereunder,
shall be applied towards the Liabilities in such order and manner as the
Administrative Agent determines in its sole reasonable, good faith discretion,
consistent, however, with Sections 14.6 and 14.7 and any other applicable
provisions of this Agreement. The Borrowers shall remain liable for any
deficiency remaining following such application.

         20.9. INCREASED COSTS. If, after the date hereof, as a result of any
change in any Requirement of Law, or change of the interpretation or application
thereof by any court or by any governmental or other authority or entity charged
with the administration thereof, whether or not having the force of law, which:

               (a) subjects any Revolving Credit Lender to any taxes or changes
the basis of taxation, or increases any existing taxes, on payments of
principal, interest or other amounts payable by any Borrower to any Agent or any
Revolving Credit Lender under this Agreement (except for taxes on any Agent or
any Revolving Credit Lender based on net income or capital imposed by the
jurisdiction in which the principal or lending offices of such Agent or that
Revolving Credit Lender are located);

               (b) imposes, modifies or deems applicable any reserve, cash
margin, special deposit or similar requirements against assets held by, or
deposits in or for the account of or loans by or any other acquisition of funds
by the relevant funding office of any Revolving Credit Lender;

               (c) imposes on any Revolving Credit Lender any other condition
with respect to any Loan Document; or

               (d) imposes on any Revolving Credit Lender a requirement to
maintain or allocate capital in relation to the Liabilities;

and the result of any of the foregoing, in such Revolving Credit Lender's
reasonable opinion, is to increase the cost to that Revolving Credit Lender of
making or maintaining any loan, advance or financial accommodation or to reduce
the income receivable by that Revolving Credit Lender in respect of any loan,
advance or financial accommodation by an amount which that Revolving Credit
Lender deems to be material, then upon written notice from the Administrative
Agent, from time to time, to the Lead Borrower (such notice to set out in
reasonable detail the facts giving rise to and a summary calculation of such
increased cost or reduced income), the Borrowers shall forthwith pay to the
Administrative Agent, for the benefit of the subject Revolving Credit Lender,
upon receipt of such notice, that amount which shall compensate the subject
Revolving Credit Lender for such additional cost or reduction in income.

         20.10. REPLACEMENT OF REVOLVING CREDIT LENDER. If (a) any Revolving
Credit Lender incurs increased costs and requests compensation under Section
2.18(d) or Section 20.9, (b) any Revolving Credit Lender is a Delinquent
Revolving Credit Lender, then the Lead Borrower may


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               (a) request such Revolving Credit Lender or Issuer to use
reasonable efforts to designate a different lending office for funding or
booking its loans hereunder or to assign its rights and obligations hereunder to
another of its offices, branches, or Affiliates, if in the judgment of such
Revolving Credit Lender or Issuer, such designation or assignment (i) would
eliminate or reduce amounts payable pursuant to Section 2.18(d) or Section 20.9
hereof, and (ii) would not subject such Revolving Credit Lender or Issuer to any
unreimbursed cost or expense, and would not otherwise be disadvantageous to such
Revolving Credit Lender or Issuer. The Lead Borrower shall pay all reasonable
costs and expenses incurred by such Revolving Credit Lender or Issuer in
connection with any such designation of assignment; and

               (b) at its sole expense and effort, upon notice to such Revolving
Credit Lender and the Administrative Agent, require such Revolving Credit Lender
to assign and delegate, without recourse (in accordance with and subject to the
restrictions contained in Article 17), all its interests, rights and obligations
under this Agreement to an assignee that shall assume such obligations (which
assignee may be another Revolving Credit Lender, if a Revolving Credit Lender
accepts such assignment), provided that (i) if such assignee is not an existing
Revolving Credit Lender, the Lead Borrower shall have received the prior written
consent of the Administrative Agent, which consent shall not unreasonably be
withheld, (ii) such Revolving Credit Lender shall have received payment of an
amount equal to the outstanding principal of its Revolving Credit Loans and
participations in unreimbursed drawings under L/Cs and Banker's Acceptances and
SwingLine Loans, accrued interest thereon, accrued fees and all other amounts
payable to it hereunder, from the assignee (to the extent of such outstanding
principal and accrued interest and fees) or the Lead Borrower (in the case of
all other amounts) and (iii) such assignment will result in a reduction in such
compensation, payments or costs. A Revolving Credit Lender shall not be required
to make any such assignment and delegation if, prior thereto, as a result of a
waiver by such Revolving Credit Lender or otherwise, the circumstances entitling
the Lead Borrower to require such assignment and delegation cease to apply.

         20.11. COSTS AND EXPENSES OF THE AGENT AND ISSUER.

               (a) The Borrowers shall pay from time to time on demand all Costs
of Collection and all reasonable costs, expenses, and disbursements (including
reasonable attorneys' fees and expenses) which are incurred by each Agent or the
Issuer in connection with the preparation, negotiation, execution, and delivery
of this Agreement and of any other Loan Documents, and all other reasonable
costs, expenses, and disbursements which may be incurred in connection with or
in respect to the credit facility contemplated hereby or which otherwise are
incurred with respect to the Liabilities.

               (b) The Borrowers shall pay from time to time on demand all
reasonable costs and expenses (including reasonable attorneys' fees and
expenses) incurred, following the occurrence of any Event of Default, by the
Revolving Credit Lenders to Lenders' Special Counsel.

               (c) Each Borrower authorizes the Administrative Agent to pay all
such fees and expenses and in the Administrative Agent's reasonable, good faith
discretion, to add such fees and expenses to the Loan Account.


                                      127
<PAGE>
               (d) The undertaking on the part of each Borrower in this Section
20.11 shall survive payment of the Liabilities and/or any termination, release,
or discharge executed by any Agent in favor of any Borrower, other than a
termination, release, or discharge which makes specific reference to this
Section 20.11.

         20.12. COPIES AND FACSIMILES. Each Loan Document and all documents and
papers which relates thereto which have been or may be hereinafter furnished any
Agent or any Revolving Credit Lender may be reproduced by that Revolving Credit
Lender or by any Agent by any photographic, microfilm, xerographic, digital
imaging, or other process, and such Person making such reproduction may destroy
any document so reproduced. Any such reproduction shall be admissible in
evidence as the original itself in any judicial or administrative proceeding
(whether or not the original is in existence and whether or not such
reproduction was made in the regular course of business). Any facsimile which
bears proof of transmission shall be binding on the party which or on whose
behalf such transmission was initiated and likewise shall be so admissible in
evidence as if the original of such facsimile had been delivered to the party
which or on whose behalf such transmission was received.

         20.13. OHIO LAW. This Agreement and all rights and obligations
hereunder, including matters of construction, validity, and performance, shall
be governed by the law of State of Ohio.

         20.14. CONSENT TO JURISDICTION.

               (a) Each Borrower agrees that any legal action, proceeding, case,
or controversy against any Borrower with respect to any Loan Document may be
brought in the courts of Franklin County, Ohio or in the United States District
Court, District of Ohio, sitting in Columbus, Ohio, as the Administrative Agent
may elect in the Administrative Agent's sole reasonable, good faith discretion.
By execution and delivery of this Agreement, each Borrower, for itself and in
respect of its property, accepts, submits, and consents generally and
unconditionally, to the jurisdiction of the aforesaid courts.

               (b) Each Borrower WAIVES any objection based on forum non
conveniens and any objection to venue of any action or proceeding instituted
under any of the Loan Documents and consents to the granting of such legal or
equitable remedy as is deemed appropriate by the Court.

               (c) Nothing herein shall affect the right of any Agent to bring
legal actions or proceedings in any other competent jurisdiction.

               (d) Each Borrower agrees that any action commenced by any
Borrower asserting any claim arising under or in connection with this Agreement
or any other Loan Document shall be brought solely in the courts of Franklin
County, Ohio or in the United States District Court, District of Ohio, sitting
in Columbus, Ohio, and that such Courts shall have exclusive jurisdiction with
respect to any such action.

         20.15. INDEMNIFICATION. Each Borrower shall indemnify, defend, and hold
each Agent, the Issuer, and each Revolving Credit Lender and any Participant and
any of their


                                      128
<PAGE>
respective employees, officers, agents, Subsidiaries, and Affiliates (each, an
"INDEMNIFIED PERSON") harmless of and from any claim brought or threatened
against any Indemnified Person by any Borrower, any guarantor or endorser of the
Liabilities, or any other Person (as well as from reasonable attorneys' fees,
expenses, and disbursements in connection therewith) on account of the
relationship of the Borrowers or of any guarantor or endorser of the
Liabilities, including all costs, expenses, liabilities, and damages as may be
suffered by any Indemnified Person in connection with (x) the Collateral; (y)
the occurrence of any Event of Default; or (z) the exercise of any rights or
remedies under any of the Loan Documents (each of claims which may be defended,
compromised, settled, or pursued by the Indemnified Person with counsel of the
Lender's selection, but at the expense of the Borrowers) other than any claim as
to which a final determination is made in a judicial proceeding (in which the
Agent and any other Indemnified Person has had an opportunity to be heard),
which determination includes a specific finding that the Indemnified Person
seeking indemnification had acted in a grossly negligent manner or in actual bad
faith or in willful misconduct. This indemnification shall survive payment of
the Liabilities and/or any termination, release, or discharge executed by any
Agent in favor of the Borrowers, other than a termination, release, or discharge
duly executed on behalf of the Agent which makes specific reference to this
Section 20.15.

         20.16. RULES OF CONSTRUCTION. The following rules of construction shall
be applied in the interpretation, construction, and enforcement of this
Agreement and of the other Loan Documents:

               (a) Unless otherwise specifically provided for herein (and then
only to the extent so provided), interest and any fee or charge which is stated
as a per annum percentage shall be calculated based on a 360 day year and actual
days elapsed with respect to LIBOR Loans and on a 365/366 day year and actual
days elapsed with respect to Base Margin Loans.

               (b) Words in the singular include the plural and words in the
plural include the singular.

               (c) Unless otherwise specifically provided for herein or in a
specific Loan Document (and then only to the extent so provided), as between the
parties hereto or to any Loan Document, the definitions of the following terms,
as included in the UCC, are deemed to be as follows for purposes of the
performance of obligations arising under or in respect of any Loan Document:

                  (i) "Authenticate" means "signed".

                  (ii) "Record" means written information in a tangible form.

               (d) Titles, headings (indicated by being underlined or shown in
SMALL CAPITALS) and any Table of Contents are solely for convenience of
reference; do not constitute a part of the instrument in which included; and do
not affect such instrument's meaning, construction, or effect.

               (e) The words "includes" and "including" are not limiting.


                                      129
<PAGE>
               (f) Text which follows the words "including, without limitation"
(or similar words) is illustrative and not limitational.

               (g) Text which is shown in italics (except for parenthesized
italicized text), shown in BOLD, shown IN ALL CAPITAL LETTERS, or in any
combination of the foregoing, shall be deemed to be conspicuous.

               (h) The words "may not" are prohibitive and not permissive.

               (i) Any reference to a Person's "knowledge" (or words of similar
import) are to such Person's knowledge assuming that such Person has undertaken
reasonable and diligent investigation with respect to the subject of such
"knowledge" (whether or not such investigation has actually been undertaken).

               (j) Terms which are defined in one section of any Loan Document
are used with such definition throughout the instrument in which so defined.

               (k) The term "Dollars" and the symbol "$" each refers to United
States Dollars.

               (l) Unless limited by reference to a particular Section or
provision, any reference to "herein", "hereof", or "within" is to the entire
Loan Document in which such reference is made.

               (m) References to "this Agreement" or to any other Loan Document
is to the subject instrument as amended to the date on which application of such
reference is being made.

               (n) Except as otherwise specifically provided, all references to
time are to Cleveland, Ohio time.

               (o) In the determination of any notice, grace, or other period of
time prescribed or allowed hereunder:

                  (i) Unless otherwise provided (A) the day of the act, event,
         or default from which the designated period of time begins to run shall
         not be included and the last day of the period so computed shall be
         included unless such last day is not a Business Day, in which event the
         last day of the relevant period shall be the then next Business Day and
         (B) the period so computed shall end at 5:00 PM on the relevant
         Business Day.

                  (ii) The word "from" means "from and including".

                  (iii) The words "to" and "until" each mean "to, but
         excluding".

                  (iv) The word "through" means "to and including".

               (p) The Loan Documents shall be construed and interpreted in a
harmonious manner and in keeping with the intentions set forth in Section 20.17
hereof, provided, however,


                                      130
<PAGE>
in the event of any inconsistency between the provisions of this Agreement and
any other Loan Document, the provisions of this Agreement shall govern and
control.

         20.17. AGENT'S CONSENT. Unless otherwise explicitly provided herein,
any Agent's consent to any action of any Borrower which is prohibited unless
such consent is given may be given or refused by such Agent in its sole
reasonable, good faith discretion and without reference to Section 2.16 hereof.

         20.18. PARTICIPATIONS: Each Revolving Credit Lender may sell
participations to one or more financial institutions (each, a "PARTICIPANT") in
that Revolving Credit Lender's interests herein provided that no such
participation shall include any provision which accords that Participant with
any rights, vis a vis any Agent, with respect to any requirement herein for
approval by a requisite number or proportion of the Revolving Credit Lenders. No
such sale of a participation shall relieve a Revolving Credit Lender from that
Revolving Credit Lender's obligations hereunder nor obligate any Agent to any
Person other than a Revolving Credit Lender.

         20.19. RIGHT OF SET-OFF. Any and all deposits or other sums at any time
credited by or due to any Borrower from any Agent or any Revolving Credit Lender
or any Participant or from any Affiliate of any of the foregoing, and any cash,
securities, instruments or other property of any Borrower in the possession of
any of the foregoing (other than in Exempt DDA accounts), whether for
safekeeping or otherwise (regardless of the reason such Person had received the
same) shall at all times constitute security for all Liabilities and for any and
all obligations of each Borrower to such Agent and such Revolving Credit Lender
or any Participant or such Affiliate, and (a) after the occurrence and during
the continuance of an Event of Default, or (b) after the service of process upon
any Agent or any Revolving Credit Lender or any Participant seeking to attach,
by trustee, mesne, or other process, any funds of any Loan Party on deposit
with, or assets of any Loan Party in the possession of, such Agent or that
Revolving Credit or such Participant, in excess of Five Hundred Thousand Dollars
($500,000.00), may be applied or set off against the Liabilities and against
such obligations at any time, whether or not such are then due and whether or
not other collateral is then available to the Agent or that Revolving Credit
Lender.

         20.20. PLEDGES TO FEDERAL RESERVE BANKS: Nothing included in this
Agreement shall prevent or limit any Revolving Credit Lender, to the extent that
such Revolving Credit Lender is subject to any of the twelve Federal Reserve
Banks organized under Section4 of the Federal Reserve Act (12 U.S.C. Section341)
from pledging all or any portion of that Lender's interest and rights under this
Agreement, provided, however, neither such pledge nor the enforcement thereof
shall release the pledging Revolving Credit Lender from any of its obligations
hereunder or under any of the Loan Documents.

         20.21. MAXIMUM INTEREST RATE. Regardless of any provision of any Loan
Document, neither any Agent nor any Revolving Credit Lender shall be entitled to
contract for, charge, receive, collect, or apply as interest on any Liability,
any amount in excess of the maximum rate imposed by Applicable Law. Any payment
which is made which, if treated as interest on a


                                      131
<PAGE>
Liability would result in such interest's exceeding such maximum rate shall be
held, to the extent of such excess, as additional collateral for the Liabilities
as if such excess were "Collateral."

         20.22. WAIVERS.

               (a) Each Borrower (and all guarantors, endorsers, and sureties of
the Liabilities) make each of the waivers included in Section 20.22(b), below,
knowingly, voluntarily, and intentionally, and understands that each Agent and
each Revolving Credit Lender, in establishing the facilities contemplated hereby
and in providing loans and other financial accommodations to or for the account
of the Borrowers as provided herein, whether not or in the future, is relying on
such waivers.

               (b) EACH BORROWER, AND EACH SUCH GUARANTOR, ENDORSER, AND SURETY
RESPECTIVELY WAIVES THE FOLLOWING:

                  (i) Except as otherwise specifically required hereby, notice
         of non-payment, demand, presentment, protest and all forms of demand
         and notice, both with respect to the Liabilities and the Collateral.

                  (ii) Except as otherwise specifically required hereby, the
         right to notice and/or hearing prior to any Agent's exercising of the
         Agent's rights upon default.

                  (iii) THE RIGHT TO A JURY IN ANY TRIAL OF ANY CASE OR
         CONTROVERSY IN WHICH ANY AGENT OR ANY REVOLVING CREDIT LENDER IS OR
         BECOMES A PARTY (WHETHER SUCH CASE OR CONTROVERSY IS INITIATED BY OR
         AGAINST ANY AGENT OR ANY REVOLVING CREDIT LENDER OR IN WHICH ANY AGENT
         OR ANY REVOLVING CREDIT LENDER IS JOINED AS A PARTY LITIGANT), WHICH
         CASE OR CONTROVERSY ARISES OUT OF OR IS IN RESPECT OF, ANY RELATIONSHIP
         AMONGST OR BETWEEN ANY BORROWER OR ANY OTHER PERSON AND EACH AGENT AND
         EACH REVOLVING CREDIT LENDER LIKEWISE WAIVES THE RIGHT TO A JURY IN ANY
         TRIAL OF ANY SUCH CASE OR CONTROVERSY).

                  (iv) Any defense, counterclaim, set-off, recoupment, or other
         basis on which the amount of any Liability, as stated on the books and
         records of any Agent, could be reduced or claimed to be paid otherwise
         than in accordance with the tenor of and written terms of such
         Liability.

                  (v) Any claim to consequential, special, or punitive damages.

         20.23. ADDITIONAL WAIVERS.

               (a) The Liabilities are the joint and several obligations of each
Loan Party. To the fullest extent permitted by applicable law, the obligations
of each Loan Party hereunder shall not be affected by (i) the failure of any
Agent or any Revolving Credit Lender to assert any claim


                                      132
<PAGE>
or demand or to enforce or exercise any right or remedy against any other Loan
Party under the provisions of this Agreement, any other Loan Document or
otherwise, (ii) any rescission, waiver, amendment or modification of, or any
release from any of the terms or provisions of, this Agreement, any other Loan
Document, or any other agreement, including with respect to any other Borrower
of the Liabilities, or (iii) the failure to perfect any security interest in, or
the release of, any of the security held by or on behalf of the Collateral Agent
or any Revolving Credit Lender.

               (b) The obligations of each Loan Party hereunder shall not be
subject to any reduction, limitation, impairment or termination for any reason
(other than the indefeasible payment in full in cash of the Liabilities),
including any claim of waiver, release, surrender, alteration or compromise of
any of the Liabilities, and shall not be subject to any defense or set-off,
counterclaim, recoupment or termination whatsoever by reason of the invalidity,
illegality or unenforceability of the Liabilities or otherwise. Without limiting
the generality of the foregoing, the obligations of each Loan Party hereunder
shall not be discharged or impaired or otherwise affected by the failure of any
Agent or any Revolving Credit Lender to assert any claim or demand or to enforce
any remedy under this Agreement, any other Loan Document or any other agreement,
by any waiver or modification of any provision of any thereof, by any default,
failure or delay, willful or otherwise, in the performance of the Liabilities,
or by any other act or omission that may or might in any manner or to any extent
vary the risk of any Loan Party or that would otherwise operate as a discharge
of any Loan Party as a matter of law or equity (other than the indefeasible
payment in full in cash of all the Liabilities).

               (c) To the fullest extent permitted by applicable law, each Loan
Party waives any defense based on or arising out of any defense of any other
Loan Party or the unenforceability of the Liabilities or any part thereof from
any cause, or the cessation from any cause of the liability of any other Loan
Party, other than the indefeasible payment in full in cash of all the
Liabilities. Each Agent and the Revolving Credit Lenders may, at their election,
foreclose on any security held by one or more of them by one or more judicial or
nonjudicial sales, accept an assignment of any such security in lieu of
foreclosure, compromise or adjust any part of the Liabilities, make any other
accommodation with any other Loan Party, or exercise any other right or remedy
available to them against any other Loan Party, without affecting or impairing
in any way the liability of any Loan Party hereunder except to the extent that
all the Liabilities have been indefeasibly paid in full in cash. Pursuant to
applicable law, each Loan Party waives any defense arising out of any such
election even though such election operates, pursuant to applicable law, to
impair or to extinguish any right of reimbursement or subrogation or other right
or remedy of such Loan Party against any other Loan Party, as the case may be,
or any security.

               (d) Upon payment by any Loan Party of any Liabilities, all rights
of such Loan Party against any other Loan Party arising as a result thereof by
way of right of subrogation, contribution, reimbursement, indemnity or otherwise
shall in all respects be subordinate and junior in right of payment to the prior
indefeasible payment in full in cash of all the Liabilities, as more
particularly set forth in an Indemnity, Subrogation and Contribution Agreement
to be entered into amongst the Loan Parties. In addition, any indebtedness of
any


                                      133
<PAGE>
Loan Party now or hereafter held by any other Loan Party is hereby subordinated
in right of payment to the prior payment in full of the Liabilities. None of the
Loan Parties will demand, sue for, or otherwise attempt to collect any such
indebtedness. If any amount shall erroneously be paid to any Loan Party on
account of (a) such subrogation, contribution, reimbursement, indemnity or
similar right or (b) any such indebtedness of any Loan Party, such amount shall
be held in trust for the benefit of the Agent and the Revolving Credit Lenders
and shall forthwith be paid to the Administrative Agent to be credited against
the payment of the Liabilities, whether matured or unmatured, in accordance with
the terms of the Loan Documents.

                     [REMAINDER OF PAGE INTENTIONALLY BLANK]


                                      134
<PAGE>
         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed by their respective authorized officers as a sealed instrument as
of the day and year first above written.

                                       DSW INC.
                                       (" LEAD BORROWER")


                                       By:
                                          --------------------------------
                                       Name: James A. McGrady
                                       Title: Vice President

                                       "OTHER BORROWERS":

                                       DSW SHOE WAREHOUSE, INC.


                                       By:
                                          --------------------------------
                                       Name: James A. McGrady
                                       Title: Chief Financial Officer


                                      135
<PAGE>
                                       NATIONAL CITY BUSINESS CREDIT, INC.
                                       (ADMINISTRATIVE AGENT, COLLATERAL AGENT
                                       AND REVOLVING CREDIT LENDER)

                                       By:
                                          ---------------------------------
                                       Name:
                                       Title: Director


                                      136
<PAGE>
                                       NATIONAL CITY BANK
                                       (ISSUER)

                                       By:
                                          ---------------------------------
                                       Name:
                                             ------------------------------
                                       Title:
                                              -----------------------------


                                      137
<PAGE>
                                       THE CIT GROUP/BUSINESS CREDIT, INC.
                                       (CO-SYNDICATION AGENT AND REVOLVING
                                       CREDIT LENDER)


                                       By:
                                          ---------------------------------
                                       Name:
                                       Title: Vice President


                                      138
<PAGE>
                                       BANK OF AMERICA, N.A. (CO-SYNDICATION
                                       AGENT AND REVOLVING CREDIT LENDER)


                                        By:
                                           ---------------------------------
                                       Name:
                                            ---------------------------------
                                       Title:
                                             -------------------------------


                                      139
<PAGE>
                                       GENERAL ELECTRIC CAPITAL
                                       CORPORATION (CO-DOCUMENTATION AGENT
                                       AND REVOLVING CREDIT LENDER)


                                       By:
                                          ---------------------------------
                                       Name:
                                            --------------------------------
                                       Title:
                                             ------------------------------


                                      140
<PAGE>
                                       WELLS FARGO RETAIL FINANCE LLC (CO-
                                       DOCUMENTATION AGENT AND REVOLVING CREDIT
                                       LENDER)


                                       By:
                                          ---------------------------------
                                       Name:
                                            --------------------------------
                                       Title:
                                             ------------------------------


                                      141
<PAGE>
                                       LASALLE BANK NATIONAL ASSOCIATION

                                       By:
                                          ---------------------------------
                                       Name:
                                            --------------------------------
                                       Title:
                                             ------------------------------


                                      142
<PAGE>
                                       HSBC BUSINESS CREDIT (USA) INC.


                                       By:
                                          ---------------------------------
                                       Name:
                                            -------------------------------
                                       Title:
                                             ------------------------------


                                      143



</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>5
<FILENAME>x06593a3exv23w1.txt
<DESCRIPTION>EX-23.1: CONSENT OF DELOITTE & TOUCHE LLP
<TEXT>
<PAGE>
                                                                    Exhibit 23.1

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the use in this Amendment No. 3 to Registration Statement No.
333-123289 of our report dated May 5, 2005 (May 31, 2005 as to Notes 7
and 9)(which expresses an unqualified opinion and includes an explanatory
paragraph for the adoption of Statement of Financial Accounting Standards No.
142 Goodwill and Other Intangible Assets effective February 3, 2002) appearing
in the Prospectus, which is a part of such Registration Statement, and to the
reference to us under the heading "Experts" in such Prospectus.

/s/ DELOITTE & TOUCHE LLP
Columbus, Ohio
June 13, 2005

</TEXT>
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`
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