Your one time purchase of more than $50 may be financed by an WebBank/Fingerhut FreshStart^® Credit Account ("Installment Loan") Agreement between you and WebBank. This is not your complete WebBank/Fingerhut FreshStart^® Credit Account Agreement. It is only a summary of certain important disclosures. Your WebBank/Fingerhut FreshStart^® Credit Account Agreement will be sent to you. Please read it carefully and keep it for your records. WebBank may sell, assign or transfer your WebBank/Fingerhut FreshStart^® Credit Account Agreement or any portion thereof.

Obtaining a Loan: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you obtain an Installment Loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver's license number or other identifying information.

Representative Terms of Credit: The WebBank/Fingerhut FreshStart^® Credit Account Agreement lets you make your initial purchase by making a $30 down payment to Fingerhut and 6 or 8 low monthly payments on your Loan. The Annual Percentage Rate is 35.99%. For purchases of $50 and $100, the following credit terms apply:

Cash Price	$50	$100
Down payment	$30	$30
Finance Charge	$2.15	$7.53
Terms of repayment	6 monthly payments of $3.69	6 monthly payments of $12.92

Late payment fee: $4.90 if your balance is greater than $15 but less than or equal to $50; $14.90 if your balance is greater than $50.

Returned payment fee: $25.

Protections Under the Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent (a "Covered Borrower") may not exceed an annual percentage rate of 36 percent. This rate must include: the costs of our optional credit protection product, SafeLine, which is not currently offered to our WebBank/Fingerhut FreshStart Credit Account customers. We do not charge application or participation fees. You are a "Covered Borrower" if at the time of establishing this account you are an active duty service member or an active Guard or Reserve duty member, or you are a qualifying dependent of that member. If you are a Covered Borrower, the provisions of this WebBank/Fingerhut FreshStart Credit Account relating to arbitration do not apply to this WebBank/Fingerhut FreshStart Credit Account involving consumer credit.

NOTE: If you are a Covered Borrower who graduated from a closed-end WebBank/Fingerhut FreshStart Credit Account prior to October 3, 2017, the Military Lending Act protections will not apply to your open-end WebBank/Fingerhut Fetti Credit Account.

Oral Disclosure: If you are a Covered Borrower, you may obtain information about the account by calling us toll-free, at 855-292-6937.

Advertised Price per Month: The advertised price per month is the estimated initial monthly minimum payment required for a single item order. Your actual minimum payment will be calculated at the time of your purchase and will be disclosed to you with your WebBank/Fingerhut FreshStart^® Credit Account Agreement.

Credit Card Account: You request that we consider you for a revolving WebBank/Fingerhut Fetti Credit Account that you can use for future purposes, and that we send you a credit card or account number if you are approved. If you pay off your initial purchase within 6 payments or earlier with no instance of late payments, we may issue a WebBank/Fingerhut Fetti Credit Account to you. However, if you elect to pay your entire balance due at the same time as your down payment, then this will cancel your Loan and you may not be eligible to be considered for a WebBank/Fingerhut Fetti Credit Account. You may not be eligible to be considered for a WebBank/Fingerhut Fetti Credit Account if you die, file for bankruptcy, enter a consumer credit counseling service program, make any past due payments, or have any payments returned unpaid, or if you enter any other negative credit status.

We will send you your account agreement and important disclosures about the WebBank/Fingerhut Fetti Credit Account when approved. Below is a summary of the key credit terms of the WebBank/Fingerhut Fetti Credit Account.

WEBBANK/FINGERHUT FETTI CREDIT ACCOUNT SUMMARY DISCLOSURES

WebBank/Fingerhut Fetti Credit Account Key Credit Terms
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	35.99% This APR is a non-variable rate.
How to Avoid Paying Interest	Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/
Fees
Penalty Fees
Late Fee	Up to $41.00
Returned Payment Fee	Up to $41.00

Non-Variable APR: Your Annual Percentage Rate is 35.99%, which corresponds to a monthly periodic rate of 3.000%. This is a non-variable rate. The finance charges that are assessed, including the monthly periodic rate, will be in amounts or at rates that do not exceed those permitted by law. The amount of periodic interest charges and APRs are subject to change. See below under the heading "Change of Terms (including Interest Charges)."

Returned Merchandise: Your ability to return any merchandise purchased is governed by Fingerhut's return policy. When you return merchandise, we subtract the return amount from your initial purchase amount; your payment amount will then remain the same, but you will pay off your Loan earlier. However, if a return (or returns) results in a purchase amount of less than $50, you will no longer be eligible for consideration for a WebBank/Fingerhut Fetti Credit Account. If a return (or returns) results in a credit balance, we will also refund your credit balance.

Arbitration: Your WebBank/Fingerhut FreshStart^® Credit Account Agreement will contain a binding arbitration provision. In the event of any dispute relating to your Agreement, the dispute will be resolved by binding arbitration pursuant to the rules of the American Arbitration Association. Both you and we agree to waive the right to go to court or to have the dispute heard by a jury. You and we will be waiting any right to a jury trial and you will not have the right to participate as part of a class of claimants relating to any dispute with us. Other rights available to you in court may also be unavailable in arbitration. When you receive your WebBank/Fingerhut FreshStart^® Credit Account Agreement, you should read the arbitration provision in the Agreement carefully.

Updated Financial and other Information: Upon request, you agree to promptly give us accurate financial and other information about yourself.

Credit Bureau Disputes: If you believe we inaccurately reported credit history information about you or your Loan to a credit reporting agency, call us at 11-866-734-0342 or write to us at: Credit Bureau Reporting Services, 6250 Ridgewood Road, St. Cloud, MN 56303. Please provide the Loan number along with a copy of your credit bureau report reflecting the information that you believe is inaccurate.

Consent for Use of Telephone Numbers: You authorize WebBank/Fingerhut, their affiliates, agents, and others calling at their request or on their behalf to contact you at any number (i) you have provided to us (ii) from which you have called us, or (iii) which we obtain and believe we can reach you at. We may contact you in any way, such as calling, texting, using an automated dialer or using pre-recorded messages. We may contact you on a mobile, wireless, or similar device, even if you are charged for it by your provider.

No Oral Modifications: This Agreement cannot be changed orally.

All Accounts, including California and Utah Residents: As required by applicable law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

All Accounts, including New York/Rhode Island/Vermont Residents: You agree to give WebBank (1-801-456-8350) as well as its agents, successors, and assigns permission to access your credit report in connection with any transaction, or extension of credit, and on an ongoing basis, for the purpose of reviewing your Account, adjusting the credit limit on your Account, taking collection action on your Account, or for any other legitimate purposes associated with your Account. Alimony, child support or separate maintenance payments need not be revealed if you do not want us to consider it in determining your creditworthiness. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report.

Connecticut Residents: Damages may be imposed if a check is dishonored. Connecticut General Statues §52-565a authorizes our collection of damages for dishonored checks, criminal penalties may also apply.

Maryland Residents: Maryland law requires that if you send us a written request about the status of your Account and we do not answer that request within 60 days after we receive it, you are not required to pay a finance charge for that 60 day period or until we answer.

Missouri Residents: If you prepay your Account in full, you may be entitled to a refund of certain interest under Mo. Rev. Stat. § 408.170.

New Hampshire Residents: Reasonable attorney's fees will be awarded to you if you prevail in (a) any action, suit or proceeding brought by us, or (b) any action brought by you. If you successfully assert a partial defense or set-off, recoupment or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion of the attorney fees as the court considers equitable.

New York Residents: New York residents may contact the New York state banking department to obtain a comparative listing of credit card rates, fees and grace periods: 1 State St., New York, NY 10004, 1-800-518-8866.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement, or court decree under Wisconsin's Marital Property Act adversely affects the interest of a creditor unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. We may require that you pay the entire amount that you have outstanding if you do not pay amounts that come due 2 times within 12 month period. You will also have to pay your entire amount outstanding if you fail to do anything required in this agreement and that failure makes it likely that you will not be able to pay your bills from us as they become due.

Texas Residents: To contact us about your Account call 1-800-964-1975. This contract is subject in whole or in part to Texas law which is enforced by the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Phone (800) 538-1579; www.occc.texas.gov. Contact the Commissioner relative to any inquires or complaints.