0000931763-03-001195 Sample Contracts

SERVICING AGREEMENT between MCRAE’S, INC. and HOUSEHOLD CORPORATION
Servicing Agreement • April 29th, 2003 • Saks Inc • Retail-department stores • New York

This Servicing Agreement (as amended from time to time, this “Agreement”), dated as of April 15, 2003, is between McRae’s Inc. (“Servicer”) and Household Corporation (“Primary Servicer”).

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PROGRAM AGREEMENT among SAKS INCORPORATED MCRAE’S, INC. and HOUSEHOLD BANK (SB), N.A.
Program Agreement • April 29th, 2003 • Saks Inc • Retail-department stores • New York

This Program Agreement (as amended from time to time, this “Agreement”), dated as of April 15, 2003, is by and among Saks Incorporated (the “Company”), McRae’s, Inc., an indirect wholly owned subsidiary of the Company (“McRae’s” and, together with the Company, the “Saks Companies”), and Household Bank (SB), N.A. (“Household Bank”).

SUPPLEMENTAL TRANSACTION AGREEMENT
Supplemental Transaction Agreement • April 29th, 2003 • Saks Inc • Retail-department stores • New York

This Supplemental Transaction Agreement, dated as of April 15, 2003, is by and among Saks Incorporated (the “Company”), McRae’s, Inc. (“McRae’s”), National Bank of the Great Lakes (“NBGL”), Saks Credit Corporation (“SCC”, and, together with the Company, McRae’s and NBGL, the “Saks Parties”), Household Finance Corporation (“HFC”) and Household Bank (SB), N.A. (“Household Bank”, and, together with the HFC (for the purposes of Article III and Article V only) and the Saks Parties, the “Parties”).

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