FFO Layaway Policy

FFO Layaway Policy Under $500.00 is 30 days with 10% down. Over $500.00 is 60 days with 10% down, must have an additional payment in the first 30 days to keep layaway active and one week notice prior to customer pick‐up because product may or may not be located on premises. All layaway items will be re‐sold if terms of layaway are not met. After the above 30/60 day layaway period ends, Customer has in‐store credit for an additional 90 days. After 90 days, Customer’s Layaway funds are forfeited to FFO Home to cover costs related to overall administration of the Layaway program. GC:mh I:\My Documents\Scott Richards\VP SALES 2005\2011 BRAND COMMITTEE\LAYAWAY COMMITTEE\FINAL~FFO Layaway Policy 041111.doc

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