UNIVERS LOYALTY PROGRAM

REWARD SYSTEM

1.Every P1.00 (one peso) spent by a UNIVERS d’ homme et femme Loyalty Program Member on purchases in qualified H&F Retail Concepts, Inc. establishments shall have a Loyalty Factor of one per cent (1%), which can then be used for future purchases at any H&F Retail Concepts, Inc. establishment. For example:

2.Loyalty points can only be earned upon reaching the minimum net spend of your desired Membership Level.

3.Qualified H&F Retail Concepts, Inc. establishments where Loyalty Points can be earned are as follows:

4.Loyalty points earned may be redeemed at any time that the UNIVERS d’ homme et femme Loyalty Program continues to be in effect, so long as the UNIVERS d’ homme et femme Loyalty Program Member meets the required annual minimum spend to maintain his Membership Level. Otherwise points earned so far shall be forfeited. Points may also be forfeited if a Member’s account is inactive for twenty-four (24) consecutive months. UNIVERS d’ homme et femme Loyalty Program Members may choose to accumulate points and redeem these for one or several purchases within the qualifying year.

5.Loyalty Points earned are personal to each UNIVERS d’homme et femme Loyalty Program Member and therefore non transferrable.

6.Loyalty Points are not convertible to cash.

7.Loyalty Points cannot be earned from purchases made at Archives d homme et femme.

8.Loyalty Points can be redeemed at Archives d homme et femme.

9.If a UNIVERS d’homme et femme Loyalty Program Member returns an item, he shall be given a refund or store credit, and points earned from a returned item shall be forfeited.