These are the terms and conditions of the optional SafeLine® Account Protection Plus Plan ("Plan") in which you have elected to be enrolled in connection with your WebBank/Fingerhut credit account ("Credit Account").

In this Contract, the words "you" and "your" refer to the person enrolled in the Plan, and the words "we", "us" and "our" refer to WebBank.

1. Enrollment

Your purchase of the Plan is optional. Whether or not you purchase the Plan will not affect your application for credit or the terms of any existing credit agreement you have with WebBank.

The monthly fee for the Plan is $1.89 per $100 outstanding on your credit account statement at the end of each monthly billing cycle. To determine your monthly SafeLine fee we take the Previous Balance and subtract any Payments & Credits, then add Purchases & Debits, Fees Charged (excluding SafeLine fee) and Interest Charged as listed on your account statement. (This is equal to your New Balance minus the SafeLine fee.) We then divide the total by $100 and multiply that number by $1.89. Here are two examples. If your Previous Balance was $100, you made a $30 payment, made $50 in new purchases, incurred no fees, and incurred $5 in interest, then your SafeLine fee would be $2.36 (($100 - $30 + $50 + $5)/$100 x $1.89 = $2.36). If your Previous Balance was $650, you made a $100 payment, made $75 in new purchases, incurred $32 in fees, and incurred $19 in interest, then your SafeLine fee would be $12.78 (($650 - $100 + $75 + $32 + $19)/$100 x $1.89 = $12.78).

You have the right to cancel the Plan at any time by calling 1-855-582-2128. If you cancel within sixty (60) days of your enrollment date, we will refund your Plan fee. We reserve the right to adjust any of the terms and conditions, or cancel the Plan entirely, with thirty (30) days prior written notification to you of the change, during which time you have the right to cancel the Contract without penalty. Any change or cancellation will not affect any benefit activation that exists on or prior to the effective date of such change or cancellation. If in a benefit, the cancellation will take effect when the benefit term expires.

2. Balance Cancellation Benefit Description

Provided all conditions are met, we may activate your benefits and cancel your entire balance up to your assigned credit limit as of the date of your death, notification of foreclosure, or upon the discharge of debt or Chapter 13 plan; or we may cancel your entire balance at the end of your Maximum Benefit Period under Disability, Hospitalization, or Involuntary Unemployment protection. Upon balance cancellation, your credit account will be closed.

3. Monthly Benefit Payment Benefit Description

Provided all conditions are met, we may activate your benefits and credit the current month's minimum monthly payment of principal and interest due ("Monthly Benefit Payment"), which is not inclusive of any past due or delinquent payments, on your credit account during the benefit activation period. You will not be required to make a payment on your credit account for the current payment due while your benefits are active.

"Current month's minimum monthly payment" is not a term found on the billing statement. It is calculated by taking the Total Amount Due for the current month, as shown on the billing statement, and then subtracting any past due amounts and/or late fees assessed prior to benefit activation. Only the current month's minimum monthly payment is eligible for the Monthly Benefit Payment. Past due amounts and/or late fees assessed prior to benefit activation included in the Total Amount Due, as shown on your monthly billing statement, are not included in the current month's minimum payment definition and will be your responsibility to pay.

Upon benefit activation, your credit account is suspended. Suspended means you will be unable to use your credit account while benefits are activated. Interest will continue to accrue on your outstanding balance. During those billing periods, no reports reflecting a deteriorating credit status with us will be sent to any credit reporting agency.

Upon benefit activation, your credit account will be suspended and eligible for benefits for the length of time that the condition causing your benefits to be activated continues and you provide documentation to support up to the maximum benefit period; provided, however, that suspension or benefit activation will never be less than one (1) month. The monthly benefits are cumulative, meaning that benefits do not have to be used consecutively. On-going conditions and consecutive monthly benefit payment periods are required for all balance cancellations. Absent a balance cancellation, once your benefits have expired, your account will be reactivated in the same status as it was on the date of benefit activation, and you will be responsible for making monthly payments again as outlined in your credit account agreement.

4. General Requirements for Benefit Activation

• You will not qualify for benefits if your account is seriously delinquent (more than sixty (60) days past due) when we receive your Benefit Activation Application or at the time of benefit occurrence, with the exception of Bankruptcy or Foreclosure benefits as described in sections 11 and 12 . "Benefit occurrence" is the date that an event first occurs or you become first impacted by the event.
• To qualify for benefits, you must be enrolled in the Plan as of the date of benefit occurrence and have met the wait period. Benefit occurrences that begin during the wait period are not eligible for benefits.
• For the Life Events benefit, a domestic partner may be covered. A domestic partner is an adult, not related by blood, over eighteen (18) years of age who has shared the same principal residence with you for a period of at least one (1) year as your sole domestic partner and is jointly responsible for your common welfare.
• Contact us to obtain a copy of the Benefit Activation Application by visiting us at Fingerhut.com; or by writing to us at SafeLine Services, P.O. Box 740237, Atlanta GA 30374-0237; or by calling us at 1-855-582-2128. The application will list the information and supporting documentation that you must provide.
• You must complete a Benefit Activation Application and submit it, along with the supporting documentation, to SafeLine Services by email, fax, or mail as shown on the application.
• SafeLine Services will verify the information given and evaluate your request for benefit activation.
• If your benefit activation is approved, your benefits will be activated immediately. If your benefits are not approved, you will be notified of such action and the reason benefits were not activated.
• Approved benefits will be retroactively applied to your account for up to ninety (90) days prior to the receipt of the Benefit Activation Application.
• For Monthly Benefit Payment Benefits, except when activated for Life Events, you will be required to provide proof of continued qualification for benefit activation, as described below.
• Approved benefits activations will end as of the date one of the following occurs: a) you receive the maximum benefit allowed for the qualifying event; b) you do not complete and return the continuing benefit activation forms in the required time frame and/or no longer meet the eligibility requirements; c) your benefit documentation indicates an end date earlier than the maximum benefit allowed; or d) you request the closure of your benefit period early. Please note, if you request the closure of your benefit, you will not be eligible for the balance cancellation benefit.

5. Death Benefit: Balance Cancellation

Benefit Description

For the first ninety (90) days after your enrollment in the Plan, you may be eligible for the Balance Cancellation Benefit, but only in the event of your Accidental Death. "Accidental Death" means death that (a) is directly due to an accidental injury that occurs after the enrollment date; (b) is independent of all other causes, except accidental injury; and (c) is unintended, unexpected, and unforeseen. If your death occurs more than ninety (90) days after your enrollment in the Plan, you may be eligible for the Balance Cancellation Benefit regardless of the cause of death. Upon balance cancellation, your credit account will be closed.

Conditions for Death Benefit Activation

• The wait period for the Accidental Death benefit is zero (0) days from your enrollment in the plan and 90 days from your enrollment for all cause death benefit. Benefit occurrences that begin during the wait period are not eligible for benefits.
• Your death certificate must be provided.

6. Involuntary Unemployment Benefit: Monthly Benefit Payment Benefit and Balance Cancellation Benefit Benefit Description

You may be eligible for a Monthly Benefit Payment Benefit if you become Involuntarily Unemployed. "Involuntary Unemployment" or "Involuntarily Unemployed" means you have suffered an entire loss of employment income due to one of the following reasons: (a) layoff, (b) general strike, or (c) involuntary termination by the employer.

Benefit Description

Benefits will not be activated for termination due to your willful or criminal misconduct, unionized labor dispute, or lockout. The following are examples of occurrences that do not qualify as Involuntary Unemployment: (a) voluntary forfeiture of employment salary, wages or employment income; (b) resignation; (c) retirement; (d) scheduled termination of an employment contract; (e) termination of employment, except for involuntary termination by your employer; or (f) loss of income caused by illness, disease, accident, injury or pregnancy (although these occurrences may qualify for a Disability Monthly Benefit Payment Benefit, as described in section 7).

You are not eligible for Involuntary Unemployment benefit activation if you are self-employed or retired.

The Maximum Benefit Period for Involuntary Unemployment is twelve (12) months.

If you are continuously involuntarily unemployed for twelve (12) consecutive months, you may be eligible for a Balance Cancellation Benefit at that time, as long as you continue to meet the requirements for unemployment eligibility. Upon balance cancellation, your credit account will be closed.

Conditions for Involuntary Unemployment Benefit Activation

• The wait period for the Involuntary Unemployment benefit is three (3) months from your enrollment in the plan. Benefit occurrences that begin during the wait period are not eligible for benefits.
• You must be out of work for thirty (30) or more consecutive days to qualify for benefit activation.
• You must have been working in a job for thirty (30) or more hours per week for the three (3) months immediately preceding your date of Involuntary Unemployment in order to qualify for benefit activation.
• You must notify SafeLine Services Services within one (1) year of the date the Involuntary Unemployment initially occurred.
• You must be approved for state Involuntary Unemployment benefits and submit a copy of your state unemployment registration form provided to you by the state in which you collect Involuntary Unemployment benefits.
• Each month you may be required to give proof that you continue to receive state unemployment benefits. If proof is not received within 30 days of the request, your benefit will end.

7. Disability Benefit: Monthly Benefit Payment Benefit and Balance Cancellation Benefit

Benefit Description

You may be eligible for a Monthly Benefit Payment Benefit if you become Disabled.

If you are a working person (as described below), "Disability" or "Disabled" means that, as a result of an injury or illness, you are unable to perform the material and substantial duties of your occupation and are under the continuous treatment of a physician.

If you are a non-working person, "Disability" or "Disabled" means that, as a result of an injury or illness, you are unable to perform all the normal activities of daily living of a person of like age or sex as certified by a physician and are under the continuous treatment of a physician.

You do not qualify for benefit activation if your Disability is due to (a) childbirth, (b) normal pregnancy, or (c) intentionally self-inflicted injuries. Your Disability must begin more than thirty (30) days after you enroll in the Plan. If your Disability is caused by a pre-existing condition, you do not qualify for benefit activation until you have been enrolled in the Plan for six (6) months. A pre-existing condition is an illness or an injury (arising from an accident), that caused you to consult with a physician or seek medical treatment within six (6) months prior to your enrollment date.

The Maximum Benefit Period for Disability is twelve (12) months.

If you are continuously disabled for twelve (12) consecutive months, you may be eligible for a Balance Cancellation Benefit at that time, as long as you continue to meet the conditions for disability eligibility. Upon balance cancellation, your credit account will be closed.

Conditions for Disability Benefit Activation for Working Persons

• The wait period for the Disability Working Persons benefit is thirty (30) days from your enrollment in the plan and six (6) months from your enrollment for pre-existing Disability conditions for working persons. Benefit occurrences that begin during the wait period are not eligible for benefits.
• You must be out of work for thirty (30) or more consecutive days to qualify for benefit activation.
• You must have been working in a job for thirty (30) or more hours per week for the three (3) months immediately preceding your date of Disability to qualify for benefit activation.
• You must notify SafeLine Services Services within one (1) year of the date the Disability initially occurred.
• You may be asked to provide a statement from your physician stating the cause of the Disability, the initial onset of the Disability, the expected duration of the Disability, and a statement that you are unable to perform your regular job. Each month you may be required to give proof that your Disability has continued. If proof is not received within 30 days of the request, your benefit will end.

Conditions for Disability Benefit Activation for Non-Working Persons

• The wait period for the Disability Non-Working Persons benefit is thirty (30) days from your enrollment in the plan. Benefit occurrences that begin during the wait period are not eligible for benefits.
• You must have been unable to perform at least one (1) of the Activities of Daily Living for thirty (30) or more consecutive days to qualify for benefit activation. Activities of Daily Living include eating, bathing, dressing, toileting, and transferring (walking) and other personal tasks.
• You must notify SafeLine Services Services within one (1) year of the date the Disability initially occurred.
• You may be asked to provide a statement from your physician stating the cause of the Disability, the initial onset of the Disability, the expected duration of the Disability, and a statement that you are unable to perform at least one (1) of the activities of daily living. Each month you may be required to give proof that your Disability has continued. If proof is not received within 30 days of the request, your benefit will end.

8. Hospitalization Benefit: Monthly Benefit Payment Benefit and Balance Cancellation Benefit

Benefit Description

You may be eligible for a Monthly Benefit Payment Benefit if you become Hospitalized.

"Hospitalization" or "Hospitalized" means that you are admitted to a Hospital and remain in the Hospital for more than forty-eight (48) hours. The term "Hospital" means a (a) licensed medical facility; (b) chiropractic hospital; (c) acute care facility; (d) nursing home; (e) residential drug facility; (f) psychiatric facility; (g) hospice facility; or (h) rehabilitation facility.

You do not qualify for benefit activation if your Hospitalization is due to (a) childbirth, (b) normal pregnancy, or (c) intentionally self-inflicted injuries.

The Maximum Benefit Period for Hospitalization is three (3) months.

If you are continuously hospitalized for three (3) consecutive months, you may be eligible for a Balance Cancellation Benefit at that time with proof of your ongoing hospitalization. Upon balance cancellation, your credit account will be closed.

Conditions for Hospitalization Benefit Activation

• The wait period for the Hospitalization benefit is thirty (30) days from your enrollment in the plan. Benefit occurrences that begin during the wait period are not eligible for benefits.
• You must notify SafeLine Services Services within one (1) year of the date the Hospitalization initially occurred.
• You may be asked to provide proof of your Hospital stay and the duration of the stay.

9. Unpaid Leave of Absence Benefit: Monthly Benefit Payment Benefit

Benefit Description

You may be eligible for a Monthly Benefit Payment Benefit if you take an Unpaid Leave of Absence ("Leave").

"Leave" means an employer-approved temporary absence without pay from permanent, non-seasonal, full-time employment.

The following are examples of occurrences that do not qualify as a Leave: (a) resignation; (b) retirement; (c) scheduled termination of your employment contract; (d) termination of employment; and (e) absence from work due to illness, disease, accident, or injury (although these occurrences may qualify for a Disability Benefit as described above).

You are not eligible for Leave benefit activation if you are self-employed or are an independent contractor.

The Maximum Benefit Period for Leave is three (3) months.

Conditions for Leave Benefit Activation

• The wait period for the Leave benefit is thirty (30) days from your enrollment in the plan. Benefit occurrences that begin during the wait period are not eligible for benefits.
• You must have been working in a job for thirty (30) or more hours per week for the three (3) months immediately preceding your date of Leave.
• You must notify SafeLine Services Services within one (1) year of the date the Leave initially occurred.
• You may be asked to provide proof from your employer, stating that you have been granted a Leave from work, the reason for the Leave, and the duration of the Leave.

10. Life Event: Monthly Benefit Payment Benefit

Benefit Description

You may be eligible for a Monthly Benefit Payment Benefit if you experience a Life Event.

"Life Event" means: (a) your marriage or entrance into a civil union or registered domestic partnership; (b) the birth of your child or your adoption of a child; (c) your divorce; (d) your retirement; (e) your change of primary residence; (f) your experiencing of a natural disaster; (g) your misappropriation of personal identity information due to fraud or identity theft; (h) the incarceration of you, your spouse or domestic partner for a period exceeding 90 days; (i) the reduction in work hours of twenty (20) percent or more for the primary wage earner or account holder for a minimum of thirty (30) days (must have been working in a job for the three (3) months immediately preceding the request for benefit activation). A primary wage earner is an individual who lives in your primary residence and earns more wages than you; (j) the involuntary unemployment of spouse or domestic partner if primary wage earner ("Involuntary Unemployment" or "Involuntarily Unemployed") means your spouse or domestic partner has suffered an entire loss of employment income due to one of the following reasons: (a) layoff, (b) general strike, or (c) involuntary termination by the employer.) Benefits will not be activated for termination due to your spouse or domestic partner's willful or criminal misconduct, unionized labor dispute, or lockout and must have been working in a job for thirty (30) or more hours per week for the three (3) months immediately preceding the request for benefit activation. Your spouse or domestic partner is not eligible for Involuntary Unemployment benefit activation if they are self-employed or retired; (k) you are needed to care for your spouse/domestic partner, son, daughter, parent, or sibling who has a serious health condition and are not covered under an unpaid leave of absence because you are retired, self-employed, unemployed, or working part-time for the three (3) months immediately preceding this event; (l) the death of your spouse or domestic partner.

The Maximum Benefit Period for a Life Event is three (3) months, except for "(e) your change of primary residence," in which case the benefit period is one (1) month.

Conditions for Life Event Benefit Activation

• The wait period for the Life Event benefit is thirty (30) days from your enrollment in the plan with the exception of incarceration in which the wait period is ninety (90) days from your enrollment. Benefit occurrences that begin during the wait period are not eligible for benefits.
• You must notify SafeLine Services Services within one (1) year of the date the Life Event initially occurred.
• You will be required to provide satisfactory evidence, such as a copy of (a) a marriage certificate, civil union license, or domestic partnership registration; (b) a birth certificate or adoption papers; (c) the divorce decree or court order of divorce; (d) a letter from the employer indicating retirement; (e) an address change documentation, such as a signed lease, real estate purchase agreement, or deed of trust; (f) documentation indicating that as a result of a natural disaster you experienced at least five hundred dollars ($500) in damages to your residence or proof that your residence is uninhabitable, or other proof that you have been directly impacted by a federally declared natural disaster, such as a letter from the Federal Emergency Management Agency (FEMA), a copy of your insurance claim (homeowners, auto, or flood policies), or a Red Cross eligibility letter; (g) police report and documentation indicating that you have experienced at least one hundred and fifty dollars ($150) in out of pocket expenses resulting from fraudulent activity of which you were a victim; (h) court record or attorney documentation supporting duration of incarceration; (i) a letter from the employer indicating reduction of work hours, proof of primary wage earner's residency and proof of wages with verifiable and acceptable documentation for both you and the primary wage earner; (j) copy of state unemployment registration form provided by the state in which your spouse or domestic partner collects Involuntary Unemployment benefits and proof of primary wage earner; (k) documentation indicating that you have experienced at least two hundred dollars ($200) in expenses for travel or income reduction as a result of providing care due to a serious health condition for your spouse/domestic partner, son, daughter, parent, or sibling; (l) a death certificate.

11. Bankruptcy: Balance Cancellation

Benefit Description

You may be eligible for a Balance Cancellation Benefit if you file a Chapter 7 Bankruptcy or Chapter 13 Bankruptcy under debt on personal accounts, and the court has determined the disposition of your debt. Upon cancellation of the balance, your account will be closed.

Conditions for Bankruptcy Benefit Activation

• The wait period for the Bankruptcy benefit is six (6) months from your enrollment in the plan. Benefit occurrences that begin during the wait period are not eligible for benefits.
• Your account may be involuntarily suspended due to delinquency for a period of no more than 6 months prior to filing for bankruptcy. Upon balance cancellation, your credit account will be closed.
• You must notify SafeLine Services Services within three (3) months of the date of the Bankruptcy filing.
• Provide a copy of the bankruptcy court discharge of debtor or Chapter 13 plan.

12. Foreclosure: Balance Cancellation

Benefit Description

You may be eligible for a Balance Cancellation Benefit if you have received a notice of foreclosure on your primary residence for a balance due on your mortgage or unpaid property taxes. Your primary residence is the dwelling you reside in on a full-time basis. Upon balance cancellation, your credit account will be closed.

Conditions for Foreclosure Benefit Activation

• The wait period for the Foreclosure benefit is six (6) months from your enrollment in the plan. Benefit occurrences that begin during the wait period are not eligible for benefits.
• Your account may be involuntarily suspended due to delinquency for a period of no more than 6 months prior to notification of foreclosure. Upon balance cancellation, your credit account will be closed.
• You must notify SafeLine Services Services within three (3) months of the date of the foreclosure notification.
• Provide a copy of the foreclosure notice.