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| GE CAPITAL RETAIL BANK   By:  /s/ Glenn Marino                                                       Its:  EVP  | HAVERTY FURNITURE COMPANIES, INC.   By:        /s/ Dennis L. Fink                                                  Its:    Executive Vice President and Chief Financial Officer  |
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| 1.   | The following terms and conditions shall apply to any Retailer-Generated Materials Retailer desires to use in connection with the Program as an Approved Template or an Approved Advertisement (in each case as defined below): |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a.   | Retailer must present to Bank any Retailer-Generated Materials in the form of a full mock-up of the proposed advertisement or template. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------|

| b.   | Bank will use commercially reasonable efforts to notify Retailer (which may be by email) within five (5) Business Days of Bank’s receipt thereof that the Retailer-Generated Materials submitted to Bank (i) are approved, (ii) are approved, subject to Retailer’s incorporation of Bank’s written comments (without any obligation to re-present for further approval such Retailer-Generated Materials), or (iii) are not approved (and the reasons therefor).  If any Retailer-Generated Materials are rejected by Bank pursuant to the preceding clause (iii), Retailer shall have the right to revise such Retailer-Generated Materials in accordance with Bank’s written directions and re-present them to Bank for reconsideration. |
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| 2.   | Any Retailer-Generated Materials approved by Bank pursuant to 1.a. and b. above and that meet the following criteria are referred to herein as an “Approved Template”:  (i) such Retailer-Generated Materials will be disseminated or otherwise used in any of the following channels:  (x) print media; (y) online, and/or (z) in-store as signage; and (ii) such Retailer-Generated Materials will be utilized, without revision (except as set forth in clause 2.a. below).  With respect to Approved Templates, the following terms and conditions shall also apply: |
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| a.   | Retailer must use the Approved Template exactly in the form of the mock-up reviewed and approved by Bank (including any revisions required by Bank in connection with its review), without revision (other than to reflect revised dates or products (so long as the original Approved Template did not contain product-specific disclosure language)) for the duration of the advertising campaign to which such Approved Template applies. |
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| b.   | Any proposed change by Retailer to any Approved Template shall require the further written approval of Bank (and the approval process in 1.a. and b. above shall apply to such proposed revision); provided that if the change is solely with respect to dates or products (and there was no product-specific disclosure language included in the original Approved Template or in the proposed revised Approved Template), then no further review by Bank shall be required. |
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| 3.   | Any Retailer-Generated Materials approved by Bank pursuant to 1.a and b. above, but that do not meet the criteria for a template as set forth in Paragraph 2 above, are referred to herein as an “Approved Advertisement”.  Retailer must use each Approved Advertisement exactly in the form of the mock-up reviewed and approved by Bank (including any revisions required by Bank in connection with its review), without any revision, for the duration of the advertising campaign to which such Approved Advertisement applies. |
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|   Country |   |   Full Mark                  |   |  Registration Number and Date       |   |   Classes |   |   Goods                                           |   |   Status |
|---------------------|--------|----------------------------------------|--------|------------------------------------------|--------|---------------------|--------|-------------------------------------------------------------|--------|--------------------|
|                |   |                                   |   |                                     |   |                |   |                                                        |   |               |
| United States       |   | HF & DESIGN                        |   | 2,093,2409/2/1997Renewed09/02/2007  |   | (035)               |   | Retail Store Services In The Field Of Household Furnishings |   | Registered         |
| United States       |   | HAVERTYS MAKES IT HOME                 |   | 2,182,5298/18/1998Renewed08/18/2008      |   | (035)               |   | Retail Store Services In The Field Of Household Furnishings |   | Registered         |
| United States       |   | HF HAVERTYS MAKES IT HOME & DESIGN |   | 2,180,7998/11/1998Renewed08/18/2008      |   | (035)               |   | Retail Store Services In The Field Of Household Furnishings |   | Registered         |
| United States       |   | HAVERTYS                               |   | 2,516,76712/11/2001                      |   | (020)               |   | Furniture, mattresses and boxsprings                        |   | Registered         |
| United States       |   | HF & DESIGN                        |   | 2,469,5427/17/2001                       |   | (020)               |   | Furniture, mattresses and box springs                       |   | Registered         |
| United States       |   | HavertysFurniture built for life       |   | 3,754,09303/02/2010                      |   | (035)               |   | Retail Furniture Stores                                     |   | Registered         |
| United States       |   | HAVERTYS                               |   | 3,820,42007/20/2010                      |   | (035)               |   | Retail Store Services                                       |   | Registered         |

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