Return Policy: No cash refunds. All merchandise, accompanied by receipt, must be presented for credit or exchange within ten (10) days of purchase.

Layaway Terms: A 90 day plan in which the final payment may be made on or before the 90th day after purchase. Forfeiture of all monies paid if merchandise is not paid for within 90 days of purchase date.

Harem House Charge Terms:

Service Charge: 1 1/2% per month after 30 days (18% per annum)

Terms of Payment: 1/3 in 30 days, 1/3 in 60 days, 1/3 in 90 days.

Special Notice: Customer agrees to pay all Harem & Company in-house collection costs, outside collection costs, reasonable attorney fees and court costs on past due accounts. Harem & Company reserves a security interest in all items listed on each invoice until the invoice is paid in full.