Document:

Form of Restricted Stock Award Agreement

 EXHIBIT 10.1 

CAMCO FINANCIAL CORPORATION 
 2010 EQUITY PLAN 
 RESTRICTED STOCK 

AWARD AGREEMENT 
 Camco
Financial Corporation (the “Company”) hereby grants the undersigned Participant an award consisting of Shares of Restricted Stock as set forth herein (the “Award”). The Award is subject to the terms and conditions
described in the Camco Financial Corporation 2010 Equity Plan (the “Plan”) and this Restricted Stock Award Agreement (this “Award Agreement”). 
 1. Name of Participant: [insert] 
 2. Grant Date:
                    , 20         (the “Grant Date”) 

3. Award: The Award consists of [insert number] Shares of Restricted Stock. 
 4. Vesting of Award: Subject to the Participant’s continued employment on the applicable vesting date (each a “Vesting Date”), the Restricted Stock shall vest as follows:
[describe] 
 5. Effect of Termination; Change in Control: 

 

	 	(a)	Effect of Death or Disability. If the Participant terminates prior to a Vesting Date, any Restricted Stock that is unvested as of the date of termination shall
be forfeited. Notwithstanding the foregoing, in the event of the Participant’s death or Disability prior to any Vesting Date, any unvested Restricted Stock shall become immediately vested as of the date of death or Disability.

  

	 	(b)	Effect of Change in Control. In the event of a Change in Control, all unvested Restricted Stock shall become immediately vested. 

6. Transferability: Until the Restricted Stock vests as described in this Award Agreement, the Restricted Stock may not be sold, transferred,
pledged, assigned or otherwise alienated or hypothecated. 
 7. Settlement: If the applicable terms and conditions of this Award
Agreement are satisfied, Shares of Restricted Stock shall be released from any transfer restrictions or delivered to the Participant as soon as practicable, but not later than 30 days after all applicable restrictions have lapsed. 

8. Rights of Participant Before Vesting: Before the Restricted Stock vests, the Participant shall be entitled to (a) exercise full voting
rights associated with such Restricted Stock and (b) receive all dividends and other distributions paid with respect to such Restricted Stock during the restricted period; provided, however, that any dividends or other distributions paid in
Shares shall be subject to the same terms and conditions as the Restricted Stock with respect to which they are paid. 

	 	9.	Miscellaneous: 

  

	 	(a)	Non-Transferability. The Award may not be sold, transferred, pledged, assigned or otherwise alienated or hypothecated, except by will or the laws of descent and
distribution. 

  

	 	(b)	Beneficiary. Any Restricted Stock that is settled after the Participant’s death shall be made to the Participant’s beneficiary. Unless otherwise
specifically designated by the Participant in writing, the Participant’s beneficiary shall be the Participant’s spouse or, if none, the Participant’s estate. 

 

	 	(c)	No Right to Continued Service or to Awards. The granting of an Award shall impose no obligation on the Company or any Affiliate to continue the employment of a
Participant or interfere with or limit the right of the Company or any Affiliate to terminate the employment of the Participant at any time, with or without Cause, which right is expressly reserved. 

 

	 	(d)	Tax Withholding. The Company or an Affiliate, as applicable, shall have the power and right to deduct, withhold or collect any amount required by law or
regulation to be withheld with respect to any taxable event arising with respect to the Award. To the extent permitted by the Committee, in its sole discretion, this amount may be: (i) withheld from other amounts due to the Participant,
(ii) withheld from the value of any Award being settled or any Shares transferred in connection with payment of the Award, (iii) withheld from the vested portion of any Award (including Shares transferable thereunder), whether or not being
paid at the time the taxable event arises, or (iv) collected directly from the Participant. Subject to the approval of the Committee, the Participant may elect to satisfy the withholding requirement, in whole or in part, by having the Company
or an Affiliate, as applicable, withhold Shares having a Fair Market Value on the date the tax is to be determined equal to the minimum statutory total tax that could be imposed on the transaction; provided that such Shares would otherwise be
distributable to the Participant at the time of the withholding and if such Shares are not otherwise distributable at the time of the withholding, provided that the Participant has a vested right to distribution of such Shares at such time. All such
elections shall be irrevocable and made in writing and shall be subject to any terms and conditions that the Committee, in its sole discretion, deems appropriate. 

 

	 	(e)	Section 83(b) Election. The Participant may file an election pursuant to Section 83(b) of the Code to be taxed currently on the Fair Market Value of
the Shares of Restricted Stock (less any purchase price paid for the Shares). The election shall be made on a form provided by the Company and must be filed with the Internal Revenue Service no later than 30 days after the Grant Date. The
Participant must seek the advice of the Participant’s own tax advisors as to the advisability of making such an election, the potential consequences of making such an election, the requirements for making such an election, and the other tax
consequences of the Restricted Stock under federal, state, and any other laws that may be applicable. The Company and its Affiliates and agents have not and are not providing any tax advice to the Participant. 

	 	(f)	Requirements of Law. The grant of the Award is subject to all applicable laws, rules and regulations (including applicable federal and state securities laws) and
to all required approvals of any governmental agencies or national securities exchange, market or other quotation system. 

  

	 	(g)	Governing Law. The Plan and the Award Agreement shall be governed by and construed in accordance with the laws of (other than laws governing conflicts of laws)
the State of Ohio. 

  

	 	(h)	Award Subject to Plan. The Award is subject to the terms and conditions described in this Award Agreement and the Plan, which is incorporated by reference into
and made a part of this Award Agreement. In the event of a conflict between the terms of the Plan and the terms of this Award Agreement, the terms of the Plan shall govern. The Committee has the sole responsibility of interpreting the Plan and this
Award Agreement, and its determination of the meaning of any provision in the Plan or this Award Agreement shall be binding on the Participant. Capitalized terms that are not defined in this Award Agreement have the same meanings as in the Plan.

  

	 	(i)	Captions. The captions of this Award Agreement are for convenience of reference only and do not define or limit the provisions hereof. 

 

	 	(j)	Signature in Counterparts. This Award Agreement may be signed in counterparts, each of which shall be deemed an original, but all of which shall constitute one
and the same instrument. 

  

									
	PARTICIPANT	 		 	
				
	 	 		 	Date:	 	 
	Signature	 		 		 	
				
	 	 		 		 	
	Print Name	 		 		 	
				
	CAMCO FINANCIAL CORPORATION	 		 		 	
					
	By:	 	 	 		 	Date:	 	 
					
	Its:First Amendment to Credit Agreement, dated as of October 11, 2012

 Exhibit 10.1 
 Execution Copy 
 FIRST AMENDMENT TO CREDIT AGREEMENT

 FIRST AMENDMENT TO CREDIT AGREEMENT (this “Amendment”) dated as of October 11, 2012, by
and among J. CREW GROUP, INC., a Delaware corporation (the “Borrower”) (which on the Effective Date was merged with Chinos Acquisition Corporation, a Delaware corporation, with the Borrower being the surviving entity of such
merger), CHINOS INTERMEDIATE HOLDINGS B, INC., a Delaware corporation (“Holdings”), BANK OF AMERICA, N.A., as administrative agent (in such capacity, including any successor thereto, the “Administrative Agent”) and
as collateral agent (in such capacity, including any successor thereto, the “Collateral Agent”) under the Loan Documents, and each lender party hereto (collectively, the “Lenders” and individually, each a
“Lender”). 
 WHEREAS: 
 A. The Borrower, Holdings, the Administrative Agent, the Collateral Agent and the Lenders are parties to that certain Credit Agreement dated as of March 7, 2011 (as amended hereby, and as may be
further amended, restated, supplemented or otherwise modified, renewed or replaced from time to time, the “Credit Agreement”), pursuant to which the Lenders agreed, subject to the terms and conditions thereof, to extend credit and
make certain other financial accommodations available to the Borrower; and 
 B. The Borrower and Holdings have requested that
the Lenders agree to amend the Credit Agreement as set forth herein, and the Lenders have agreed to such amendments, subject to the terms and conditions set forth herein. 
 NOW, THEREFORE, in consideration of the foregoing and the mutual covenants herein contained, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties signatory hereto agree as follows: 
 1. Definitions. Capitalized terms used herein and not otherwise defined
herein shall have the respective meanings given such terms in the Credit Agreement. 
 2. Amendments to Credit Agreement.

 (a) Additional Definitions. Section 1.1 of the Credit Agreement is hereby amended to include, in addition and not
in limitation, the following definitions in proper alphabetical order: 
 (i) ““First
Amendment” means the First Amendment to Credit Agreement dated and effective as of the First Amendment Effective Date, by and among the Borrower, Holdings, the Administrative Agent, the Collateral Agent and the Lenders party thereto.”

 (ii) ““First Amendment Effective Date” means October 11, 2012.” 

(b) Amended Definitions. Section 1.1 of the Credit Agreement is hereby further amended as follows: 

(i) The definition of “Applicable Margin” is hereby deleted in its entirety and the following is substituted in
its stead: 
 ““Applicable Margin” means a percentage per annum equal to (a) from the First Amendment
Effective Date through January 31, 2013, (i) for Eurocurrency Rate 

 
Loans and BA Rate Loans, 1.75%, (ii) for Base Rate Loans or Canadian Prime Rate Loans, 0.75% and (iii) for Letter of Credit fees, (A) in the case of standby Letters of Credit,
1.75% and (B) in the case of documentary Letters of Credit, 0.875%, and (b) thereafter, the following percentages per annum, based upon Average Historical Excess Availability as of the most recent Adjustment Date: 

 

							
	 Average Historical

Excess Availability
	 	 Applicable Margin for

Eurocurrency Loans,

BA Rate Loans and

Letter of Credit Fees
(Standby Letters of Credit)
	 	 Applicable Margin

for Base Rate Loans
 and Canadian Prime
 Rate Loans
	 	 Letter of Credit Fees

(Documentary

Letters of Credit)

	 3 $145,000,000
	 	1.50%	 	0.50%	 	0.750%
				
	 < $145,000,000 but

3 $62,500,000
	 	1.75%	 	0.75%	 	0.875%
				
	 < $62,500,000
	 	2.00%	 	1.00%	 	1.000%

 The Applicable Margin shall be adjusted quarterly in accordance with the table above on each
Adjustment Date for the period beginning on such Adjustment Date based upon the Average Historical Excess Availability as the Administrative Agent shall determine in good faith within ten (10) Business Days after such Adjustment Date. Any
increase or decrease in the Applicable Margin resulting from a change in the Average Historical Excess Availability shall become effective as of the first Business Day immediately following the Adjustment Date.” 

(ii) The definition of “Applicable Unused Commitment Fee Rate” is hereby deleted in its entirety and the
following is substituted in its stead: 
 ““Applicable Unused Commitment Fee Rate” means for any day a
percentage equal to 0.25% per annum.” 
 (iii) The definition of “Covenant Trigger Event” is
hereby deleted in its entirety and the following is substituted in its stead: 
 ““Covenant Trigger Event”
means that Excess Availability on any day is less than the greater of (i) $20,000,000 and (ii) 10% of the Maximum Credit. For purposes hereof, the occurrence of a Covenant Trigger Event shall be deemed to be continuing until Excess
Availability is equal to or greater than the greater of (i) $20,000,000 and (ii) 10% of the Maximum Credit, in each case, for thirty (30) consecutive days, in which case a Covenant Trigger Event shall no longer be deemed to be
continuing for purposes of this Agreement.” 
 (iv) The definition of “Loan Documents” is hereby
deleted in its entirety and the following is substituted in its stead: 
 ““Loan Documents” means,
collectively, (a) this Agreement, (b) the Revolving Credit Notes, (c) any Incremental Amendment and any Extension Amendment, 

  
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(d) the Guaranty, (e) the Fee Letter and any other fee letter entered into between the Borrower and the Administrative Agent in connection with this Agreement, (f) each Letter of
Credit Reimbursement Agreement, (g) the Collateral Documents, (h) the Issuer Documents, and (i) the First Amendment.” 
 (v) The definition of “Payment Conditions” is hereby deleted in its entirety and the following is substituted in its stead: 

““Payment Conditions” means, at any time of determination, that (a) no Event of Default exists or would arise
as a result of the making of the subject Specified Payment, (b) after giving Pro Forma Effect to such Specified Payment and projected for the succeeding six (6) months following such Specified Payment, Excess Availability shall be greater
than or equal to the greater of (i) 15% of the Maximum Credit and (ii) $30,000,000 and (c) either (i) after giving Pro Forma Effect to such Specified Payment and projected for the succeeding six (6) months following such
Specified Payment, Excess Availability shall be greater than 25% of the Maximum Credit or (ii) the Fixed Charge Coverage Ratio as of the end of the most recently ended Test Period for which financial statements have been or are required to have
been delivered pursuant to Section 7.1(a) or (b) shall be greater than or equal to 1.0 to 1.0 after giving Pro Forma Effect to such Specified Payment as if such Specified Payment (if applicable to such calculation) had been
made as of the first day of such period, and, in each case, the Borrower shall have delivered, in accordance with Section 7.2(f) hereof, to the Administrative Agent evidence reasonably satisfactory to the Administrative Agent that the
conditions contained in the foregoing clauses (a), (b) and (c) have been satisfied.” 
 (vi) The definition of “RP Conditions” is hereby deleted in its entirety and the following is substituted in its stead: 
 ““RP Conditions” means, at any time of determination, that (a) no Event of Default exists or would arise as a result of the subject Specified Payment, (b) after giving Pro
Forma Effect to such Specified Payment and projected for the succeeding six (6) months following such Specified Payment, Excess Availability shall be greater than or equal to the greater of (i) 15% of the Maximum Credit and
(ii) $30,000,000 and (c) either (i) after giving Pro Forma Effect to such Specified Payment and projected for the succeeding six (6) months following such Specified Payment, Excess Availability shall be greater than 25% of the
Maximum Credit or (ii) the Fixed Charge Coverage Ratio as of the end of the most recently ended Test Period for which financial statements have been or are required to have been delivered pursuant to Section 7.1(a) or
(b) shall be greater than or equal to 1.1 to 1.0 after giving Pro Forma Effect to such Specified Payment as if such Specified Payment (if applicable to such calculation) had been made as of the first day of such period, and, in each
case, the Borrower shall have delivered, in accordance with Section 7.2(f) hereof, to the Administrative Agent evidence reasonably satisfactory to the Administrative Agent that the conditions contained in the foregoing clauses
(a), (b) and (c) have been satisfied.” 

  
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 (vii) The definition of “Scheduled Termination Date” is hereby
deleted in its entirety and the following is substituted in its stead: 
 ““Scheduled Termination Date”
means the date that is five (5) years after the First Amendment Effective Date, as may be extended pursuant to Section 12.1(b) or Section 2.17 hereof; provided that if such day is not a Business Day, the Scheduled
Termination Date shall be the Business Day immediately preceding such day.” 
 (viii) Section 1.8(c) is
hereby deleted in its entirety and the following is substituted in its stead: 
 “(c) In the event that the Borrower or any
Restricted Subsidiary incurs (including by assumption or guarantees) or repays (including by redemption, repayment, retirement or extinguishment) any Indebtedness included in the calculations of the Total Leverage Ratio and the Fixed Charge Coverage
Ratio, as the case may be (in each case, other than Indebtedness incurred or repaid under any revolving credit facility in the ordinary course of business for working capital purposes), (i) during the applicable Test Period or
(ii) subsequent to the end of the applicable Test Period and prior to or simultaneously with the event for which the calculation of any such ratio is made, then the Total Leverage Ratio and the Fixed Charge Coverage Ratio shall be calculated
giving pro forma effect to such incurrence or repayment of Indebtedness, to the extent required, as if the same had occurred on (A) the last day of the applicable Test Period in the case of the Total Leverage Ratio and (B) the first day of
the applicable Test Period in the case of the Fixed Charge Coverage Ratio.” 
 3. Representations and Warranties.
Each of Holdings and the Borrower represents and warrants to the Administrative Agent, the Collateral Agent and the Lenders that: 
 (a) the representations and warranties set forth in the Credit Agreement and in each of the other Loan Documents are true and correct in all material respects on the First Amendment Effective Date, as if
made on and as of the First Amendment Effective Date and as if each reference therein to “this Agreement” or the “Credit Agreement” or the like includes reference to this Amendment and the Credit Agreement as amended hereby
(except to the extent that such representations and warranties expressly relate to an earlier date, in which case they are true and correct in all material respects as of such earlier date); provided, that any representation and warranty that
is qualified as to “materiality”, “Material Adverse Effect” or similar language shall be true and correct (after giving effect to any qualification therein) in all respects on such respective dates; and 

(b) after giving effect to this Amendment, no Default or Event of Default exists as of the First Amendment Effective Date. 

4. Conditions Precedent. The consent and amendments set forth in this Amendment shall not be effective until each of the following
conditions precedent are satisfied in a manner satisfactory to the Administrative Agent: 
 (a) receipt by the Administrative
Agent of (i) a copy of this Amendment, duly authorized and executed by Holdings, the Borrower and each Lender and (ii) a copy of the Guarantor Consent and Reaffirmation, in the form of Annex A hereto, duly authorized and executed by each
Subsidiary Guarantor; 

  
 4 

 (b) receipt by the Administrative Agent of all fees and expenses required to be paid
hereunder, or pursuant to an agreement between the Borrower and the Administrative Agent entered into in connection with this Amendment, on or prior to the First Amendment Effective Date, and, to the extent invoiced at least one (1) Business
Day prior to the First Amendment Effective Date, reimbursement or payment of all reasonable out-of-pocket expenses (including, without limitation, reasonable fees and expenses of Choate, Hall & Stewart LLP, counsel to the Administrative
Agent and the Collateral Agent) required to be reimbursed or paid by the Loan Parties pursuant to the terms of Section 12.3 of the Credit Agreement; and 
 (c) after giving effect to this Amendment, no Default or Event of Default shall have occurred and be continuing, nor shall any Default or Event of Default result from the consummation of the transactions
contemplated herein. 
 5. Effect on Loan Documents. As amended hereby, the Credit Agreement and the other Loan Documents
shall be and remain in full force and effect in accordance with their terms and hereby are ratified and confirmed by each of Holdings and the Borrower in all respects. The execution, delivery, and performance of this Amendment shall not operate as a
waiver of any right, power, or remedy of the Administrative Agent, the Collateral Agent or the Lenders under the Credit Agreement or the other Loan Documents. Each of Holdings and the Borrower hereby acknowledges and agrees that, after giving effect
to the Amendment, all of its respective obligations and liabilities under the Loan Documents to which it is a party, as such obligations and liabilities have been amended by the Amendment, are reaffirmed and remain in full force and effect. After
giving effect to the Amendment, each of Holdings and the Borrower reaffirms each Lien granted by it to the Collateral Agent for the benefit of the Secured Parties under each of the Loan Documents to which it is a party, which Liens shall continue in
full force and effect during the term of the Credit Agreement, and shall continue to secure the Obligations (after giving effect to the Amendment), in each case, on and subject to the terms and conditions set forth in the Credit Agreement and the
other Loan Documents. 
 6. No Novation; Entire Agreement. This Amendment is not a novation or discharge of the terms and
provisions of the obligations of the Borrower under the Credit Agreement and the other Loan Documents. There are no other understandings, express or implied, among Holdings, the Borrower, the Administrative Agent, the Collateral Agent and the
Lenders regarding the subject matter hereof or thereof. 
 7. Governing Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. 
 8. Counterparts; Electronic Execution. This Amendment
may be executed in any number of counterparts and by different parties and separate counterparts, each of which when so executed and delivered shall be deemed an original, and all of which, when taken together, shall constitute one and the same
instrument. Delivery of an executed counterpart of a signature page to this Amendment by facsimile or other electronic transmission shall be as effective as delivery of a manually executed counterpart of this Amendment. Any party delivering an
executed counterpart of this Amendment by facsimile or other electronic transmission also shall deliver a manually executed counterpart of this Amendment but the failure to deliver a manually executed counterpart shall not affect the validity,
enforceability, and binding effect of this Amendment. 

  
 5 

 9. Construction. This Amendment and the Credit Agreement shall be
construed collectively and in the event that any term, provision or condition of any of such documents is inconsistent with or contradictory to any term, provision or condition of any other such document, the terms, provisions and conditions of this
Amendment shall supersede and control the terms, provisions and conditions of the Credit Agreement. Upon and after the effectiveness of this Amendment, each reference in the Credit Agreement to “this Agreement”, “hereunder”,
“herein”, “hereof” or words of like import referring to the Credit Agreement, and each reference in the other Loan Documents to “the Credit Agreement”, “thereunder”, “therein”, “thereof” or words of like import referring to the Credit Agreement, shall
mean and be a reference to the Credit Agreement as modified hereby. 
 [Remainder of page intentionally left blank; signature
pages follow.] 

  
 6 

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

			
	J. CREW GROUP, INC., as the Borrower
		
	By:	 	 /s/ Stuart C. Haselden

	Name:	 	Stuart C. Haselden
	Title:	 	Senior Vice President and Chief Financial Officer
	
	 CHINOS INTERMEDIATE HOLDINGS B, INC.,
 as Holdings

		
	By:	 	 /s/ Stuart C. Haselden

	Name:	 	Stuart C. Haselden
	Title:	 	Senior Vice President and Chief Financial Officer

 [Signature Page to First Amendment to Credit Agreement] 

 
			
	 BANK OF AMERICA, N.A.,
 as Administrative Agent and Collateral Agent

		
	By:	 	 /s/ Mark D Twomey

	Name:	 	Mark D Twomey
	Title:	 	SVP
	
	 BANK OF AMERICA, N.A.,
 as Swing Loan Lender, Issuer and a Lender

		
	By:	 	 /s/ Mark D Twomey

	Name:	 	Mark D Twomey
	Title:	 	SVP

 [Signature Page to First Amendment to Credit Agreement] 

‘ 

 
			
	Wells Fargo Bank, N.A.
	as a Lender
		
	By:	 	 /s/ Y. Sonia Anandraj

	Name:	 	Y. Sonia Anandraj
	Title:	 	Authorized Officer.

 [Signature Page to First Amendment to Credit Agreement] 

 
			
	HSBC Bank USA, N.A.,
	as a Lender
		
	By:	 	 /s/ Brian Gingue

	Name:	 	Brian Gingue
	Title:	 	Vice President

 [Signature Page to First Amendment to Credit Agreement] 

			
	SunTrust Bank,
	as a Lender
		
	By:	 	 /s/ J. Matney Gornall

	Name:	 	J. Matney Gornall
	Title:	 	Vice President

 [Signature Page to First Amendment to Credit Agreement] 

 
					
	 TD Bank, N.A.

	 as a Lender

		
	By:	 	/s/ Estachio Bruno
		 	Name:	 	Estachio Bruno
		 	Title:	 	VP

 [Signature Page to First Amendment to Credit Agreement] 

 
					
	 U.S. Bank National Association

	 as a Lender

		
	By:	 	/s/ Christopher D. Fudge
		 	Name:	 	Christopher D. Fudge
		 	Title:	 	VP

 [Signature Page to First Amendment to Credit Agreement] 

			
	 Sumitomo Mitsui Banking Corporation of Canada,
 as a Lender

		
	By:	 	 /s/ Ming Chang

	Name:	 	Ming Chang
	Title:	 	Senior Vice President

 [Signature Page to First Amendment to Credit Agreement] 

			
	Mizuho Corporate Bank, Ltd.,
	as a Lender
		
	By:	 	 /s/ James R. Fayen

	Name:	 	James R. Fayen
	Title:	 	Deputy General Manager

 [Signature Page to First Amendment to Credit Agreement] 

 ANNEX A 
 GUARANTOR CONSENT AND REAFFIRMATION 
 October 11, 2012 

Reference is made to (i) the First Amendment to Credit Agreement, dated as of October 11, 2012, attached as Exhibit A
hereto (the “Amendment”), and (ii) the Credit Agreement dated as of March 7, 2011 (as amended, amended and restated, supplemented or otherwise modified through the date hereof, including pursuant to the Amendment, the
“Credit Agreement”), in each case, among the Borrower, Holdings, the Administrative Agent, the Collateral Agent and each lender from time to time party thereto. Capitalized terms used but not otherwise defined in this Guarantor
Consent and Reaffirmation (this “Consent”) are used with the meanings attributed thereto in the Credit Agreement. 
 Each Guarantor hereby consents to the execution, delivery and performance of the Amendment and agrees that each reference to the Credit Agreement in the Loan Documents shall, on and after the First
Amendment Effective Date, be deemed to be a reference to the Credit Agreement in accordance with the terms of the Amendment. 

Each Guarantor hereby acknowledges and agrees that, after giving effect to the Amendment, all of its respective obligations and
liabilities under the Loan Documents to which it is a party, as such obligations and liabilities have been amended by the Amendment, are reaffirmed and remain in full force and effect. 

After giving effect to the Amendment, each Guarantor reaffirms each Lien granted by it to the Collateral Agent for the benefit of the
Secured Parties under each of the Loan Documents to which it is a party, which Liens shall continue in full force and effect during the term of the Credit Agreement, and shall continue to secure the Obligations (after giving effect to the
Amendment), in each case, on and subject to the terms and conditions set forth in the Credit Agreement and the other Loan Documents. 
 Nothing in this Consent shall create or otherwise give rise to any right to consent on the part of the Guarantors to the extent not required by the express terms of the Loan Documents. 

This Consent is a Loan Document and shall be governed by, and construed in accordance with, the law of the State of New York. 

[The remainder of this page is intentionally left blank] 

 IN WITNESS WHEREOF, the undersigned have caused this Consent to be executed as of the date
first above written. 
  

			
	 J. CREW OPERATING CORP.
 J. CREW INC.
 J. CREW INTERNATIONAL, INC.
 GRACE HOLMES, INC.
 H. F. D. NO. 55, INC.
 MADEWELL INC.
 J. CREW VIRGINIA, INC.

		
	By:	 	  

	Name:	 	
	Title:	 	

 [Guarantor Consent and Reaffirmation Signature Page] 

 Exhibit A 
 First Amendment to Credit Agreement 
 See Attached.

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