Document:

<PAGE>

                                                                   EXHIBIT 10.13

                          TRADEMARK LICENSE AGREEMENT
                          ---------------------------

     This TRADEMARK LICENSE AGREEMENT ("Agreement") is dated and effective as of
April 1, 2000 ("Effective Date"), by and between Friedman's Management Corp., a
Delaware corporation having its principal office and place of business at 4 West
State Street, Savannah, Georgia 31401 ("Licensor"), and Crescent Jewelers, a
California corporation having its principal office and place of business at 315
11/th/ Street, Oakland, California 94607 ("Licensee").

                             W I T N E S S E T H:

     WHEREAS, Licensee desires to obtain the right to use the Friedman's Marks
for goods and services in connection with its retail jewelry stores, and for the
purpose of ensuring the maintenance of high quality standards and reputation to
the public in connection with the use of the Friedman's Marks; and

     WHEREAS, Licensor has the right to grant to Licensee a license to use the
Friedman's Marks, and is willing to do so on the terms and conditions provided
below;

     NOW THEREFORE, in consideration of the premises and mutual covenants
contained herein, the parties agree as follows:

                                  ARTICLE I:
                                  DEFINITIONS
                                  -----------

     1.01 "Change of Control" means and includes each of the following:

          (a)  A change of control of the company of a nature that would be
          required to be reported in response to Item 6(e) of Schedule 14A of
          the Securities Exchange Act of 1934, (the "1934 Act") regardless of
          whether the company is subject to such reporting requirement;

          (b)  A change of control of the company through a transaction or
          series of transactions, such that any person (as that term is used in
          Section 13 and 14(d)(2) of the 1934 Act), excluding affiliates of the
          company as of the date of this Agreement, is or becomes the beneficial
          owner (as that term is used in Section 13(d) of the 1934 Act) directly
          or indirectly, of securities of the company representing 50% or more
          of the combined voting power of the company's then outstanding
          securities;

          (c)  Any consolidation, merger or share exchange involving the company
          in which the company is not the continuing or surviving corporation or
          pursuant to which shares of company stock would be converted into
          cash, securities or other property, other than a merger of the company
          in which the holders of the shares of company stock immediately
<PAGE>

          before the merger have the same proportionate ownership of common
          stock of the surviving corporation immediately after the merger;

          (d)  The stockholders of the company approve any plan or proposal for
          the liquidation or dissolution of the company;

          (e)  Substantially all of the assets of the company are sold or
          otherwise transferred to parties that are not within a "controlled
          group of corporations" (as defined in Section 1563 of the Internal
          Revenue Code of 1986, as amended) in which the company is a member; or

          (f)  Any person (as that term is used in Section 13 and 14(d)(2) of
          the 1934 Act), including affiliates of the company as of the date of
          this Agreement, who is, as of the date of this Agreement, the
          beneficial owner (as that term is used in Section 13(d) of the 1934
          Act) directly or indirectly, of securities of the company representing
          50% or more of the combined voting power of the company's outstanding
          securities, ceases to be the owner of securities of the company
          representing 50% or more of the combined voting power of the company's
          outstanding securities.

     1.02 "Friedman's Marks" shall mean the trade names, trademarks and service
marks as more particularly identified in Schedule A attached hereto, as may be
                                         ----------
amended by the parties from time to time by written consent.

     1.03 "Licensed Trademark Goods" shall mean any goods utilizing the
Friedman's Marks, developed or acquired for sale to the public in connection
with Licensee's retail jewelry stores.

     1.04 "Licensed Service Mark Services" shall mean Licensee's services
utilizing the Friedman's Marks, performed in connection with Licensee's retail
jewelry stores.

     1.05 "Licensed Territory" shall mean those States of the United States of
America, and such other countries or territories as are listed from time to time
on Schedule B hereto.  Such Schedule B may be revised from time to time by the
parties hereto, as evidenced by the signature of the parties on such revised
Schedule B.

     1.06 "Termination Event" shall mean either (i) the termination of that
certain Warrant to Purchase Common Stock of Crescent Jewelers, Inc., issued in
favor of Friedman's Inc.; or (ii) a Change of Control of Licensee or its parent,
Crescent Jewelers, Inc., a Delaware corporation.

                                      -2-
<PAGE>

                                  ARTICLE II:
                               GRANT OF LICENSES
                               -----------------

     2.01 Subject to the terms and conditions specified in this Agreement,
Licensor hereby grants to Licensee a non-exclusive, nontransferable license to
use the Friedman's Marks in connection with the Licensed Service Mark Services
and Licensed Trademark Goods in the Licensed Territory during the Term.

                                  ARTICLE III:
                                    ROYALTY
                                    -------

     3.01 In exchange for the licenses granted herein, Licensee shall pay to
Licensor an initial royalty (the "Initial Royalty") equal to one hundred
thousand dollars ($100,000) for the period from the Effective Date until
September 30, 2000, and an annual royalty ("Annual Royalty") equal to eighty
thousand dollars ($80,000) for each fiscal year thereafter through September 30,
2005.  Thereafter, the Annual Royalty shall be automatically revised every five
years to be equal to the one-fifth of .4% of the Total Revenue of Licensee for
the twelve month period ending on September 30, the last day in each five year
period.  Each such five-year period, including the initial period ending on
September 30, 2005, shall hereinafter be referred to as a "Royalty Period."

     For purposes of this Agreement, a fiscal year shall begin on October 1 and
end on September 30 of each year.  The Initial Royalty and each Annual Royalty
(collectively the "Royalty") shall be paid in United States dollars.

     3.02 Licensor and Licensee agree that the Royalty is a reasonable and fair
royalty for Licensee's use of the Friedman's Marks pursuant to the licenses
granted herein.

     3.03 Licensor and Licensee agree that the Initial Royalty shall be due
and payable in full on or before September 30, 2000.  Licensor and Licensee
agree that each Annual Royalty is to be paid on a quarterly basis each year and
shall be due and payable in full by the first day of each quarter.  Any Royalty
which is not timely remitted as provided for under this article shall bear
interest at the annual rate of ten percent (10%), or the maximum legal rate
allowed by law, whichever is less, and such interest shall begin to accrue as of
the first day when said payment was initially due.

                                  ARTICLE IV:
                         OWNERSHIP OF FRIEDMAN'S MARKS
                         -----------------------------

     4.01 Licensor shall have and retain full and complete ownership of the
Friedman's Marks and the goodwill associated therewith during the entire term of
this Agreement, and Licensee agrees that nothing contained herein shall vest or
otherwise give to Licensee any right, title or interest in or to any of the
Friedman's Marks, except the right to use the same in accordance with the terms
of this Agreement.

                                      -3-
<PAGE>

     4.02 Licensor shall be responsible for maintaining the Friedman's Marks in
full force and effect by, among other means, preparing and filing any and all
necessary applications, affidavits, renewals, registered user registrations,
and/or other documents as may be required by law to maintain the active status
of the Friedman's Marks and any registrations therefor.

     4.03 Licensee agrees that its use of the Friedman's Marks under this
Agreement and the goodwill associated with such use inures to the benefit of
Licensor, and Licensee agrees to execute any and all documents requested by
Licensor confirming the same, and/or confirming Licensor's title and ownership
of the Friedman's Marks.

     4.04 Licensee agrees that it shall not, during the Term of this Agreement
or thereafter, assert any claim adverse to Licensor's right, title or interest
in or to any of the Friedman's Marks or to any distinctive features used in
connection therewith, and that Licensee shall not use any of the Friedman's
Marks in any way that could prejudice Licensor's rights therein.

                                  ARTICLE V:
                                QUALITY CONTROL
                                ---------------

     5.01 Licensee agrees to maintain the highest standards respecting the
nature and quality of Licensed Service Mark Services and Licensed Trademark
Goods in accordance with such quality control standards and procedures provided
from time to time by Licensor during the Term of this Agreement.  Licensee
recognizes that, as a result of many years of advertising, investment and
dependable service to the consuming public, the Friedman's Marks have acquired a
high degree of fame and favorable recognition with the purchasing public in
connection with the goods and services in connection with which the Friedman's
Marks have been used.

     5.02 Licensee agrees to use its best efforts to preserve the high standards
and goodwill of the Friedman's Marks and to exercise such supervision and
control with respect to all of the Licensed Service Mark Services and Licensed
Trademark Goods so as to preserve and enhance the goodwill of the Friedman's
Marks and the high and favorable recognition with the purchasing public that the
Friedman's Marks now carry and to otherwise protect the public from confusion
and deception.

     5.03 Licensor has the right to provide such quality control standards and
procedures and the manner in which Friedman's Marks are used as may be
reasonably necessary to ensure the quality of the Licensed Service Mark Services
and the Licensed Trademark Goods and to protect the goodwill of the Friedman's
Marks.  Licensor (by itself or through its authorized agent) reserve the right
to inspect each establishment operated by Licensee in the provision of the
Licensed Service Mark Services and Licensed Trademark Goods, to approve samples
of any and all Licensed Trademark Goods manufactured by or for Licensee and
which are merchandised by Licensee, and to review all advertising and
promotional materials using the Friedman's Marks, all for the purpose of
ensuring that the nature and quality of goods and services and use of the

                                      -4-
<PAGE>

Friedman's Marks are maintained as required herein.  At the request of Licensor
(or its authorized agent(s)), Licensee shall furnish to Licensor, without
charge, specifications for any Licensed Trademark Goods, together with any other
relevant data available from such suppliers.  Licensee shall permit Licensor
and/or its authorized agents to make on-site inspections of any of its
establishments at the request of Licensor during normal business hours and upon
reasonable notice.

     5.04 In the event Licensor determines that Licensee has failed to meet the
quality control standards and procedures established by Licensor, then Licensor
shall furnish Licensee written notice specifying in reasonable detail the
respects in which Licensee has failed, and if reasonably necessary, specifying
steps to be taken to cure the failure.  Licensee shall, upon receipt of such
notification from Licensor, immediately commence, and thereafter diligently
pursue, curing any default with respect to the quality control standards and
procedures and shall achieve the cure within a reasonable time.  If Licensee
fails to do so, then Licensee shall immediately cease and terminate shipments of
any of the Licensed Trademark Goods upon which the failure of standards and
procedures has occurred and shall immediately discontinue any Licensed Trademark
Service in which the failure of standards and procedures has occurred and not
resume the use of any such good or service until it has received authorization,
in writing, from Licensor to resume such activity.

                                  ARTICLE VI:
                          TRADEMARK USAGE AND NOTICES
                          ---------------------------

     6.01 Licensee agrees to maintain a reasonable degree of continuity
respecting the appearance, design and usage of the Friedman's Marks in
accordance with the standards and procedures provided by Licensor, and Licensee
further agrees to use the federal trademark notice of registration, "(R)", or
other appropriate notice as specified by Licensor in connection with its use of
the Friedman's Marks whenever practical.

     6.02 Licensee agrees not to use the Friedman's Marks in a descriptive or
generic manner.

                                 ARTICLE VII:
              INFRINGEMENT AND UNAUTHORIZED USE BY THIRD PARTIES
              --------------------------------------------------

     7.01 Licensee agrees to promptly notify Licensor in the event Licensee
determines that any of the Friedman's Marks are being infringed or are adversely
affected by any unauthorized and unlawful use by any third party, and Licensee
further agrees to take no action of any kind with respect to such infringement
or adverse use, except by and in accordance with an express written
authorization of Licensor.

     7.02 Licensor shall take all action reasonably necessary to prevent
infringement and unauthorized use of any of the Friedman's Marks, and shall
prosecute such persons and entities and seek to cancel all registrations or
applications for registration which unreasonably infringe upon or dilute any of
the Friedman's Marks and Licensor's interest

                                      -5-
<PAGE>

in connection therewith, and all cost for any such action will be borne by
Licensor, and all recoveries from any such action would be the sole and
exclusive property of Licensor or its designee.

     7.03 Licensor shall commence or prosecute any claims or suits in its own
name, or at its discretion, it may join Licensee as a party thereto, and
Licensee shall assist Licensor to the extent necessary in the protection of
Licensor's rights to any of the Friedman's Marks.

     7.04 Licensor agrees to indemnify, defend and hold harmless Licensee from
and against any and all loss, costs, expenses (including reasonable attorneys'
fees and expenses), claims, demands, causes of action, damages and liabilities
arising out of Licensee's use of the Friedman's Marks in accordance with the
terms of this Agreement.

     7.05 Licensee agrees to indemnify, defend and hold harmless Licensor from
and against any and all loss, costs, expenses (including reasonable attorneys'
fees and expenses), claims, demands, causes of action, damages and liabilities
arising out of any of the following: (a) any unauthorized use of or infringement
of the Friedman's Marks by Licensee; (b) any breach by Licensee of this
Agreement; and (c) libel or slander against, or invasion of the right of
privacy, publicity or property of, or violation or misappropriation of any other
right of any third party by Licensee.

                                 ARTICLE VIII:
                             TERM AND TERMINATION
                             --------------------

     8.01 The term of this Agreement shall begin on the Effective Date and shall
expire on the date any Termination Event occurs (the "Term"), unless terminated
earlier pursuant to the terms of this Agreement.

     8.02 Licensee shall have the right to terminate this Agreement upon written
notice delivered to Licensor not less than thirty (30) days prior to the end of
each Royalty Period.

     8.02 In the event Licensee commits any breach of any covenant or agreement
contained herein, then, in any such case if Licensee fails to remedy such
default or breach within thirty (30) days after receipt of written notice
thereof by Licensor, Licensor shall have the right, at its option and by written
notice, to terminate this Agreement forthwith.  Failure of Licensor to terminate
this Agreement for any default or breach shall not be deemed a waiver of its
right to do so upon a default or breach of a continuing nature or upon any other
default or breach, either of the same or different character.

     8.03 Licensor shall have the right to terminate this Agreement upon thirty
(30) days written notice to Licensee in the event Licensee shall make any
assignment of assets for the benefit of creditors, or if a trustee or receiver
is appointed to administer or conduct its business or affairs, or if it is
adjudged in any legal proceeding to be either voluntarily or involuntarily
bankrupt, unless such condition is cured by Licensee within the thirty

                                      -6-
<PAGE>

(30) day notice period, and the termination of this Agreement shall be effective
at the end of said notice period.

     8.04  Upon the effective date of any termination of this Agreement as
provided herein, Licensee shall no longer be licensed under any of the
Friedman's Marks and shall promptly discontinue all use of the same; provided,
however, that Licensee shall have a period of ninety (90) days following the
effective date of termination to dispose of any and all Licensed Trademark Goods
which it has in inventory and to discontinue all use of the Friedman's Marks,
provided Licensee maintains the high standards with respect to the nature and
quality of the Licensed Trademark Goods and Licensed Service Mark Services as
provided under this Agreement during said ninety (90) day period.

                                  ARTICLE IX:
                    OWNERSHIP AND ASSIGNABILITY OF LICENSE
                    --------------------------------------

     9.01  This Agreement and the rights and license granted hereunder shall in
no way be construed to be an assignment, conveyance, or sale of any interest in
any of the Friedman's Marks covered by this Agreement.  The rights and licenses
granted hereunder shall be personal to Licensee and shall not be sold, assigned,
divided or transferred by Licensee either voluntarily or by operation of law
without the prior written consent of Licensor, which consent may be granted or
withheld at the sole discretion of Licensor.

     9.02  This Agreement and all of the terms and conditions provided herein
shall inure to the benefit of Licensor and to its successors and assigns,
without limitation.

                                  ARTICLE X:
                                 MISCELLANEOUS
                                 -------------

     10.01  This Agreement may be executed in one or more counterparts, each of
which shall be deemed an original and all of which shall constitute one and the
same instrument.  This Agreement shall become binding when it is fully executed
and delivered to Licensor at its principal office as set forth above.

     10.02  This Agreement has been made in Georgia and shall be construed and
interpreted in accordance with the laws of the State of Georgia.  Both parties
consent to the jurisdiction of the courts of the State of Georgia for any
dispute arising hereunder.

     10.03  Neither Licensor nor Licensee shall have any power to represent the
other or to obligate or bind the other in any manner whatsoever; nor shall
either party have any fiduciary relationship with the other or, subject to the
terms of this Agreement, any duty or obligation to represent the interests of
the other or to conduct its activities for the benefit of the other.

     10.04  Any notice required or permitted under this agreement shall be in
writing, and for purposes of this Agreement, the addresses of the parties shall
be the addresses

                                      -7-
<PAGE>

provided above, unless either party provides written notice to the other of a
change in address.

     10.05  This Agreement constitutes the entire agreement between Licensor and
Licensee and may be modified or amended only by duly executed written agreement.

     10.06  Except as provided to the contrary herein, all the provisions hereof
shall bind and inure to the benefit of the parties hereto and their permitted
successors and assigns.

     IN WITNESS WHEREOF, the parties hereto have caused this instrument to be
executed by their duly authorized officers as of the Effective Date.

FRIEDMAN'S MANAGEMENT CORP.                 CRESCENT JEWELERS

By: _________________________               By: ___________________________

Name:________________________               Name:__________________________

Title:_______________________               Title:_________________________

                                      -8-<PAGE>

                                                                   Exhibit 10.14

                            INFORMATION TECHNOLOGY
                         SYSTEMS INTEGRATION AGREEMENT

     THIS AGREEMENT (the "Agreement") is dated as of the 1st day of May 2000,
between FRIEDMAN'S INC., a Delaware corporation ("Friedman's"), and CRESCENT
JEWELERS, a California corporation ("Crescent").

     WHEREAS, in order to meet its business objectives, Crescent requires new,
more effective information technology systems;

     WHEREAS, Friedman's has experience in implementing and operating an
information technology system developed for its jewelry retailing business;

     WHEREAS, Friedman's is willing to commit the necessary resources to the
implementation of an enhanced information technology system for Crescent and to
the integration of the system with Friedman's operations;

     NOW THEREFORE, for good and valuable consideration, the sufficiency of
which is hereby acknowledged, and intending to be legally bound, the parties
agree to the following:

     1.   Integration Services.
          --------------------

     (a)  General.  Friedman's shall use commercially reasonable efforts to
          -------
complete the implementation of an enhanced information technology system for
Crescent and to complete the integration of that system with Friedman's
operations (the "General Integration Plan"). The specific implementation and
integration steps to be conducted under the General Integration Plan are set
forth on Schedule A.
         ----------

     (b)  Access.  Crescent shall provide Friedman's (including its employees,
          ------
agents or independent contractors) with necessary access to Crescent's
facilities, subject to appropriate mutually agreed upon security measures as
either party may reasonably deem necessary.

     (c)  Testing. Upon completion of the General Integration Plan, Crescent and
          -------
Friedman's will perform functional and operational tests of the system and the
performance of the system in such testing shall be subject to the approval of
Crescent, in its sole discretion. Until such time as Crescent has deemed the
system acceptable, Friedman's duties and obligations under this Agreement shall
continue in full force and effect.

     (d)  Pricing.  Crescent shall be responsible for all costs and expenses
          -------
associated with the General Integration Plan.  Without limiting the foregoing,
Crescent shall reimburse Friedman's for the following:
<PAGE>

          (1)  Any and all software and conversion programming related to the
               General Integration Plan;

          (2)  Any and all additional software license fees incurred by
               Friedman's in order to complete the General Integration Plan; and

          (3)  All reasonable travel costs and expenses incurred by Friedman's
               employees in the performance of its obligations under this
               Agreement.

     2.   Payment.
          -------

     Not later than September 10, 2000, Friedman's shall submit to Crescent a
schedule outlining those costs for which Crescent must reimburse Friedman's in
connection with Section 1(b) of the Agreement (the "Reimbursement Schedule").
Crescent shall remit payment to Friedman's not later than September 30, 2000 for
the amounts listed in the Reimbursement Schedule. If Crescent fails to timely
pay any amounts due under this Agreement, such amounts not paid shall bear
interest at the prime rate, as published by Citibank, N.A.

     The provisions of this Section 2 shall survive the termination of the
Agreement.

     3.   Term.
          ----

     This Agreement shall remain in effect until the earlier of (1) the date on
which the General Integration Plan has been completed as evidenced by the
receipt by Friedman's of written acceptance of the General Integration Plan from
Crescent, or (2) September 30, 2000, unless otherwise terminated pursuant to
this Agreement.

     4.   Termination.
          -----------

          a.   If (i) Crescent fails to pay amounts due under Section 2 of the
Agreement within 15 days after receipt of written notice of failure to pay (a
"Payment Default") or (ii) Crescent is in material breach of any of its
covenants or obligations under the Agreement and such breach (other than a
Payment Default) continues for 30 days after Friedman's gives written notice of
such breach to Crescent, then Friedman's may immediately or at any time
thereafter terminate the Agreement upon written notice to Crescent.

          b.   If Friedman's is in material breach of any of its covenants or
obligations under the Agreement, and such breach continues for 30 days after
Crescent gives written notice of such breach to Friedman's, then Crescent may
immediately or at any time thereafter terminate the Agreement upon written
notice to Friedman's.

                                      -2-
<PAGE>

     5.   Independent Contractor Status.
          -----------------------------

          a.   Friedman's shall be an independent contractor with respect to the
Services. Each party shall be responsible for its own employees, and employees
of each party shall not be deemed to have an employment relationship with the
other party. Nothing in this Agreement creates a relationship of partnership or
joint venture between Friedman's and Crescent. This Section 5 shall survive the
expiration or earlier termination of this Agreement.

          b.   Crescent shall be solely responsible for all liabilities,
demands, damages, costs and expenses (including reasonable attorney's fees),
associated with the operation of its business and shall indemnify, defend and
hold harmless Friedman's and its affiliates and their respective officers and
directors, stockholders and representatives, from and against all liabilities,
claims, demands, damages, costs and expenses (including reasonable attorney
fees) arising from the conduct, actions, inactions or omissions of Friedman's in
connection with the General Integration Plan, except for any such liability,
claims, demands, damages, costs and expenses which result from the gross
negligence or willful misconduct of Friedman's or its employees.

     6.   Assignment and Delegation.
          -------------------------

     This Agreement shall not be assignable by any of the parties hereto without
the written consent of the other party, and no party may unreasonably withhold
such consent. Notwithstanding the foregoing, either party may assign this
Agreement, without written consent, to an entity that is a wholly-owned
subsidiary of the assignor.

     7.   Force Majeure.
          -------------

     Neither Friedman's nor Crescent shall be liable for any failure to perform
hereunder arising from causes or events beyond the reasonable control and
without the fault or negligence of the party failing to perform including,
without limitation, labor disputes of any kind. If it appears to either party
that an event is likely to occur which would interfere with such party's
performance hereunder, such party shall notify the other party immediately of
the event and of its likely duration. In the event of such failure, the
obligation of the party shall be suspended until the cause of such suspension
shall have been removed.

     8.   Governing Law.
          -------------

     This Agreement shall be governed by and construed in accordance with the
laws of the State of Georgia, without regard to conflicts of law principles.

     9.   Notices.
          -------

     Any notice, request, consent, approval, waiver and other communication to a
party hereunder shall be in writing and shall be deemed duly given when sent by
first

                                      -3-
<PAGE>

class mail, postage prepaid, or delivered by hand, or by telex or facsimile
transmission to such party. Unless changed by written notice to the other
hereunder, all notices shall be addressed to the address shown below:

     To Friedman's:

          Friedman's Inc.
          4 West State Street
          Savannah, GA 31401
          Facsimile: 912-234-1031
          Attn: John Mauro

     with a copy to:

          Alston & Bird LLP
          One Atlantic Center
          1201 West Peachtree Street
          Atlanta, GA 30309
          Facsimile: 404-881-4777
          Attn: Mark F. McElreath

     To Crescent:

          Crescent Jewelers
          315 11/th/ Street
          Oakland, CA 94607
          Facsimile: 510-763-1213
          Attn: Mittie Grigsby

     10.  Dispute Resolution.
          ------------------

          a.   In the event of any dispute arising in connection with this
Agreement, the parties shall endeavor to resolve such dispute amicably by
discussion and mutual accord. Such discussions shall include meetings between
senior management of Crescent and Friedman's. In the event that the parties are
unable to mutually resolve such dispute through such meetings, then either party
may submit any unresolved controversy or claim arising out of or relating to
this contract, or the breach thereof, to be settled by arbitration in accordance
with the Commercial Arbitration Rules of the American Arbitration Association,
in Atlanta, Georgia, and judgment upon the award rendered by the arbitrator(s)
may be entered in any court having jurisdiction thereof. The parties shall split
equally the cost of the arbitrators. Any award rendered by the Arbitrator(s) may
include compensatory damages and costs but under no circumstances shall either
party be liable for nor shall the arbitrator(s) award any incidental,
consequential or special (including punitive or multiple) damages.

                                      -4-
<PAGE>

          b.   Notwithstanding anything herein to the contrary, the existence of
a dispute (other than payment of the price) shall not reduce the obligation of
Friedman's to continue to provide Services hereunder during the pendency of the
dispute resolution procedure, or following the resolution of such dispute,
unless the resolution of the dispute contains a finding of a material default by
Crescent or Friedman's as the case may be; provided, however, the foregoing
shall in no way limit the amount of damages or type of relief (whether monetary
or injunctive) to which Crescent or Friedman's is entitled under law or the
provisions of this Agreement.

     11.  Integration; Amendment.
          ----------------------

     This Agreement supersedes all prior negotiations, commitments and writings
pertaining to the subject matter hereof. Except as otherwise provided in this
Agreement, this Agreement may be amended only by a written instrument duly
executed by both Friedman's and Crescent.

     12.  Waiver.
          ------

     Any waiver at any time, by either Friedman's or Crescent of its rights with
respect to the other party to this Agreement, or with respect to any other
matter arising in connection with this Agreement, shall not be considered waived
with respect to any subsequent default or matter.

     13.  No Third Party Beneficiaries.
          ----------------------------

     Nothing in this Agreement, whether express or implied, is intended to
confer any rights or remedies under or by reason of this Agreement on any person
other than the parties and their respective successors and assigns, nor is
anything in this Agreement intended to relieve or discharge the obligation or
liability of any third persons to a party to this Agreement, nor shall any
provision hereof give any third persons any right or subrogation or action
against any party to this Agreement.

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the date first above written.

FRIEDMAN'S INC.                          CRESCENT JEWELERS

By:    ________________________          By:    ________________________

Name:  ________________________          Name:  ________________________

Title: ________________________          Title: ________________________

                                      -5-

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