The following Ralph Lauren Gift Card Terms and Conditions (this “Agreement”) describe the terms and conditions that apply to use of Ralph Lauren Gift Cards and Virtual Gift Cards that are purchased in the United States, Canada or Puerto Rico at retail stores or online, or that are given in exchange for merchandise returned in certain circumstances (collectively “Cards”). This Agreement is between you, the Cardholder, and RL Finance B.V., a Netherlands affiliate of Ralph Lauren Corporation (“Issuer”). By purchasing, accepting or using your Card, you agree to be bound by this Agreement. If you do not agree with this Agreement, do not purchase, use or accept the Card. IMPORTANT: Except where prohibited by applicable law (which may include the province of Quebec), this Agreement includes resolution of disputes by arbitration instead of in court and a class action waiver. About Your Card. The Cards are issued by Issuer. Issuer is responsible for the operation and maintenance of the Card program. Issuer is the sole legal obligor to the Cardholder; provided, however, that Issuer may assign its obligations with respect to the Card at any time, in which case such assignee shall become the Issuer and sole legal obligor to the Cardholder. Ralph Lauren Corporation and its affiliates (other than Issuer) (collectively, “Ralph Lauren”) bear no responsibility or liability for any Cards, and you hereby knowingly release Ralph Lauren from any and all liability or claims of any nature whatsoever arising in connection with your Card. Cards can be purchased at participating Ralph Lauren, RRL, and Polo Factory Stores, online at RalphLauren.com or RalphLauren.ca, or from an authorized third-party distributor. Cards may also be provided to you in exchange for merchandise returned in certain circumstances. Cards cannot be purchased at a discount. Not for resale. Card cannot be resold. Card is valid only if obtained at Ralph Lauren, RRL, and Polo Ralph Lauren Factory Stores, online at RalphLauren.com or RalphLauren.ca, or from an authorized third-party distributor. Card is not valid and will not be honored, and Issuer will not be liable, if obtained from unauthorized sellers or resellers, including through Internet auction sites. Balance Inquiry. For balance inquiries, call 1-855-284-3911 or visit RalphLauren.com/GiftCard. The balance you receive when inquiring over the telephone or online is an estimate only. In most cases, the balance is adjusted immediately when you make a purchase, but there may be occasions when the balance adjustment is delayed. Please have your Card number available. Expiration/Deactivation. Cards do not expire. No fees for inactivity or service fees apply. Issuer and Ralph Lauren reserve the right to refuse to honor any Card in the event of a disputed credit card charge, bounced check or other failure of consideration. Redemption. Cards are redeemable up to balance only to purchase merchandise at participating Ralph Lauren, Polo Ralph Lauren, RRL, and Polo Ralph Lauren Factory stores in the United States, Canada and Puerto Rico and online at RalphLauren.com or RalphLauren.ca. Card is issued in the currency of the country in which it was purchased. A currency exchange rate applies if the Card is redeemed in a different country. PIN is required for online redemptions. Cards are not debit or credit cards. Cards have no cash value and may not be redeemed for cash, except as required by law. Cards are not redeemable to purchase another Card or towards previously purchased merchandise, and cannot be applied towards the payment of a credit account. Refunds for any return of merchandise purchased using the Card will be issued in the form of a Card. Not Reloadable. Cards cannot be reloaded with value. No Refunds. No refunds or exchanges are permitted with respect to Cards, except as required by law. Lost, Damaged or Stolen Card. Safeguard your Card, as Card will not be replaced if lost, stolen, damaged or used without authorization, unless the Card is unused and you provide proof of purchase of the Card. Online Purchases. If you purchase a Card online, the online Terms of Use will be applicable to your purchase. In the event of a conflict between the Terms of Use and these Gift Card Terms and Conditions, these Gift Card Terms and Conditions shall control. MANDATORY BINDING INDIVIDUAL ARBITRATION AND CLASS ACTION WAIVER. EXCEPT WHERE PROHIBITED BY APPLICABLE LAW (WHICH MAY INCLUDE THE PROVINCE OF QUEBEC), THE FOLLOWING MANDATORY ARBITRATION AND CLASS ACTION WAIVER CLAUSE APPLIES TO YOU. Please read this section carefully. It affects legal rights that you may otherwise have and requires individual final and binding arbitration of most disputes instead of resolution in court.