26.40%

5/15/18

2.200%

ACCOUNT-OPENING DISCLOSURES

IMPORTANT CREDIT DISCLOSURES FOR WEBBANK/FINGERHUT CREDIT PROGRAMS

You are applying for both the WebBank/Fingerhut Fetti Credit Account and the WebBank/Fingerhut FreshStart Installment Loan. These accounts may require a down payment. If you do not qualify for a WebBank/Fingerhut Fetti Credit Account, we will attempt to qualify you for a WebBank/Fingerhut FreshStart Installment Loan. You will be notified if you were approved for either account. Below are important disclosures about the interest rates, fees, and other terms of these credit programs.

Listed first are disclosures about the WebBank/Fingerhut Fetti Credit Account, then disclosures about the WebBank/Fingerhut FreshStart Installment Loan, and then disclosures that apply to both products.

Summary of the WebBank/Fingerhut Fetti Revolving Credit Account Terms: This section relates to the WebBank/Fingerhut Fetti Credit Account only.

WebBank/Fingerhut Fetti Revolving 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

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See below for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below.

* * *

Summary Disclosures Only: This document contains important disclosures about the WebBank/Fingerhut Fetti Credit Account ("Revolving Credit Account"), but it is not your complete Credit Account Agreement. Your Credit Account Agreement will be sent to you and is also available online. Please read these Disclosures and that Agreement carefully, and keep them for your records. The Credit Account Agreement will explain how the Agreement may be changed, and that WebBank may sell, assign or transfer your account or any portion thereof.

If you do not qualify for a WebBank/Fingerhut Fetti Credit Account, your application will be processed for a WebBank/Fingerhut FreshStart Installment Loan that may allow you to finance your first purchase of more than $50. The terms of a WebBank/Fingerhut FreshStart Installment Loan are different from the terms of the WebBank/Fingerhut Fetti Credit Account, and the advertised prices per month do not apply to purchases financed with a WebBank/Fingerhut FreshStart Installment Loan. You may be eligible for a revolving WebBank/Fingerhut Credit Account if you make complete and timely payments on your WebBank/Fingerhut FreshStart Installment Loan. See important disclosures about the WebBank/Fingerhut FreshStart Installment Loan in section titled "Summary of the WebBank/Fingerhut FreshStart Installment Loan Terms," including sample payment terms, down payment requirements, and information about interest rates and fees.

Advertised Price per Month: The advertised price per month online or in the catalog is the estimated initial monthly minimum payment required for a single item order on a WebBank/Fingerhut Fetti Credit Account. Your actual minimum payment will be calculated using the payment chart contained in the WebBank/Fingerhut Fetti Credit Account Agreement, or on the Blue Page in the catalog or on the website, based on your Account balance.

How We Figure Interest Charges: To calculate the Interest Charge for each monthly statement we multiply the average daily balance times the monthly periodic rate. Your monthly periodic rate may vary each billing cycle. If the total periodic Interest Charges for a month are less than $1.00 then we charge a minimum periodic Interest Charge of $1.00 which we will apply to the applicable balance (to the extent permitted by applicable law).

Average Daily Balance: We figure the interest charge on your Account by applying the monthly periodic rate to the "average daily balance" of your Account, including current transactions. To get the "average daily balance," we take the beginning balance of your Account each day, add any new purchases, charges and other fees, and subtract any payments or credits. This gives us the daily balance. Then we add up all the daily balances for that billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."

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)."

When Interest Charges Begin to Accrue: Interest charges begin to accrue on each purchase on the date of the purchase. However, if you paid the new balance on your previous Statement by the payment due date shown on the Statement, then: (1) if you pay the new balance on your current Statement by the payment due date shown, we impose no interest charges on purchases during the current billing cycle, and (2) if you make a payment by the payment due date shown on your current Statement that is less than the new balance, we will credit that payment as of the first day in your current billing cycle. In addition, if your Statement reflected a new balance and you did not pay that new balance in full by the payment date on that previous Statement, then we will not impose interest charges on any purchases during the current billing cycle if you pay the balance shown on your current Statement by the payment due date reflected on that current Statement.

Deferral Periods: WebBank may specify a period during which no payments are required for your purchase. We call these "Deferral Periods." See the Blue Page in the catalog from which you place your order or your Credit Account Agreement for the specific rules that apply to your Deferral Period. Alternatively, you may call 1-800-964-1975to obtain the information.

Paper Statement Fee: We will charge a $1.99 Paper Statement Fee to your account each time you receive a paper statement. Note, the Paper Statement Fee will not apply to account holders residing in states where such a fee is prohibited. This Paper Statement Fee also includes requests to reprint your statement(s). You will be billed $1.99 per paper statement you were sent the previous month unless the ending balance on your account was $5.00 or less. You can avoid the fee by consenting to receive electronic disclosures, which includes billing statements. To avoid the fee, change your consent to receive electronic disclosures by logging into MyAccount on fingerhut.com. If you require an accommodation or further assistance related to this fee you may call us at 1-800-964-1975 or email us at customerservice@fingerhut.com.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT If you think there is an error on your statement, write us at: Fingerhut Credit Account Services, PO Box 1250, Saint Cloud MN 56395-1250. In your letter, give us the following information

Account Information: Your name and WebBank/Fingerhut Fetti Credit Account number.
Dollar Amount: The dollar amount of the suspected error.
Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, we must do two things:

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or explain why we believe the statement was correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question, or report you as delinquent.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.

We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:

The purchase must have been made in your home State or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
You must have used your credit card for the purchase.
You must have not yet fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Fingerhut Credit
Account Services, PO Box 1250, Saint Cloud MN 56395-1250.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.

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 cost of SafeLine, our optional credit protection product. 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 Fetti Credit Account relating to arbitration do not apply to this WebBank/Fingerhut Fetti Credit Account involving consumer credit.

Oral Disclosure: If you are a Covered Borrower, the provisions of this WebBank/Fingerhut Fetti Credit Account relating to arbitration do not apply to this WebBank/Fingerhut Fetti Credit Account involving consumer credit.

Summary of the WebBank/Fingerhut FreshStart Installment Loan Terms: This section relates to the WebBank/Fingerhut FreshStart Installment Loan only. Your initial purchase of at least $50 may be financed by a WebBank/Fingerhut FreshStart Installment Loan between you and WebBank. This is not your complete WebBank/Fingerhut FreshStart Installment Loan Agreement. It is only a summary of certain important disclosures. Your WebBank/Fingerhut FreshStart Installment 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 Installment Loan Agreement or any portion thereof.

Representative Terms of Credit: The WebBank/Fingerhut FreshStart Installment Loan 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/Sale price	$50	$100
Required 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.

Advertised Price per Month: The advertised price per month DOES NOT APPLY TO A WEBBANK/FINGERHUT FRESHSTART INSTALLMENT LOAN, because it applies only to a WebBank/Fingerhut Fetti Credit Account. The minimum payment for the WebBank/Fingerhut FreshStart Installment Loan will be calculated at the time of your purchase and will be disclosed to you with your WebBank/Fingerhut FreshStart Installment Loan Agreement. See above for sample Terms of Repayment, in the "Representative Terms of Credit" section.

Credit Card Account: When you obtain a WebBank/Fingerhut FreshStart Installment Loan, you request that we consider you for a revolving WebBank/Fingerhut Credit Account issued by WebBank that you can use for future purposes, and that we send you a card with your account number if you are approved. If you pay off your initial purchase within 6 or 8 payments or earlier with no instance of late payments, we will issue a revolving WebBank/Fingerhut 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 WebBank/Fingerhut FreshStart Installment Loan and you will not be eligible to be considered for a revolving WebBank/Fingerhut Credit Account. You will not be eligible to be considered for a revolving WebBank/Fingerhut Credit Account if you make any payments past due, have any payments returned unpaid, enter a consumer credit counseling service program, file for bankruptcy, die, 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. A summary of the key credit terms of the WebBank/Fingerhut Fetti Credit Account can be found above, under the heading "Summary of the revolving WebBank/Fingerhut Credit Account Terms."

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 WebBank/Fingerhut FreshStart Installment 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 revolving WebBank/Fingerhut Fetti Credit Account. If a return (or returns) results in a credit balance, we will also refund your credit balance.

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.

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

See below for additional disclosures, under "Additional Important Disclosures for All Credit Programs."

Terms that apply to both the revolving WebBank/Fingerhut Credit Account and the WebBank/Fingerhut FreshStart Installment Loan

Important Information About Procedures For Opening A New Account: 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 a WebBank/Fingerhut Fetti Credit Account or a WebBank/Fingerhut FreshStart 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.

Arbitration: Please review this provision carefully. It provides that any dispute may be resolved by binding arbitration. Arbitration replaces the right to go to court and the right to have a jury decide a dispute. Under this provision, your rights may be substantially limited in the event of a dispute. You may opt out of this Arbitration provision by following the instructions below.

If you are a Covered Borrower under the Military Lending Act, the provisions of this WebBank/Fingerhut Credit Account relating to arbitration do not apply to this WebBank/Fingerhut Credit Account involving consumer credit.

By accepting this Agreement, unless you opt out by following the instructions below, you agree that either you or we, at our sole discretion, can choose to have any dispute arising out of or relating to this Agreement or our relationship resolved by binding arbitration. If arbitration is chosen by any party, neither you nor we will have the right to litigate that dispute in court or to have a jury trial on that dispute. Pre-arbitration discovery will be permitted only as allowed by the arbitration rules. In addition, you will not have the right to participate as a representative or member of any class of claimants pertaining to any dispute subject to arbitration. The arbitrator's decision will generally be final and binding. Other rights that you would have if you went to court may also not be available in arbitration. It is important that you read the entire Arbitration provision carefully before accepting the terms of this Agreement.

For purposes of this Arbitration provision, “dispute” shall be construed as broadly as possible, and shall include any claim, dispute or controversy (whether in contract, regulatory, tort or otherwise, whether pre existing, present or future and including constitutional, statutory, common law, intentional tort and equitable claims) arising from or relating to this Agreement, the credit offered or provided to you, or the goods or services you purchase; the actions of yourself, us, or third parties; or the validity of this Agreement or this Arbitration provision. It includes disputes brought as counterclaims, cross claims, or third party claims. A party that has brought a dispute in a court may elect to arbitrate any other dispute that may be raised in that litigation. Disputes brought as part of a class action or other representative basis are subject to arbitration on an individual (nonclass, non-representative) basis. IF YOU DO NOT OPT OUT, THEN YOU WILL HAVE WAIVED YOUR RIGHT TO INDICATE OR PARTICIPATE IN A CLASS ACTION RELATED TO THIS AGREEMENT. In this Arbitration provision, the words “we,” “us,” and “our” shall include WebBank and any assignees of any of WebBank's rights, any merchant from which you purchased goods or services using your Account, as well as their respective affiliates, servicers, employees, agents, and further assigns.

Any arbitration under this Arbitration provision shall be administered by the American Arbitration Association (“AAA”) under the rules applicable to the resolution of consumer disputes in effect when the dispute is filed. The arbitrator shall have no authority to hear any disputes on a class action or representative basis. Neither you nor we may consolidate or join the disputes of other persons who may have similar disputes into a single arbitration, other than the disputes of or against joint account holders. You may obtain rules and forms by calling the AAA at 1-800-778-7879 or visiting www.adr.org. Any arbitration hearing that you attend will take place in the Federal judicial district where you reside. We will not elect arbitration of any dispute that is filed as an individual matter by you in a small claims or similar court, so long as the dispute is pending on an individual basis in such court.

A single, neutral arbitrator will decide any disputes. The arbitrator must be either a retired or former judge or a lawyer with no less than 10 years' experience, selected in accordance with the AAA's rules. The arbitrator will apply applicable substantive law consistent with the Federal Arbitration Act and applicable statutes of limitations, will honor claims of privilege under applicable law, and will have the power to award to a party any damages or other relief provided under applicable law. Any party may choose to have a hearing, and may choose to be represented by counsel. The arbitrator will issue an award in writing and, upon request, will provide a written explanation for the award. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction.

The party initiating an arbitration must pay the AAA's initial filing fee, although you can ask the AAA to waive the filing fee and we will consider your request that we pay the filing fee on your behalf. For an individual arbitration, we will pay any subsequent administration fees imposed by the AAA, and we will pay the arbitrator's fee for up to one day of hearings. All other fees will be allocated as provided by the AAA's rules and applicable law. If you prevail in arbitration, we will reimburse you any fees paid to the AAA. However, even if we prevail, we will not seek reimbursement from you of any fees we paid to the AAA unless the arbitrator determines that your dispute was brought in bad faith. Each party shall bear its own costs of attorneys, experts, and witness fees, regardless of which party prevails in the arbitration. However, if applicable substantive law gives you the right to seek reimbursement of attorneys' fees or other fees or costs, then that right shall also apply in the arbitration.

Informal Resolution: If you have a Dispute against us or if we have a dispute against you, we will attempt to resolve the Dispute informally before an arbitration is filed in order to resolve the Dispute faster and reduce costs for both parties. You and we will make a good-faith effort to negotiate the resolution of any Dispute for at least 30 days (“Informal Resolution”) from the day you or we receive a written notice of a dispute from the other party (a “Notice of Dispute”) in accordance with these Terms.

You must send any Notice of Dispute to the following address:
WebBank/Fingerhut Arbitration
ATTN: Legal Department ‐ Notice of Dispute
P.O. Box 0260
St. Cloud, MN 56395-0260

We will send any Notice of Dispute to ATTN: NOTICE OF DISPUTE to the email address and the current mailing address you have provided us. The Notice of Dispute sent by either party must include the sender's name, address, and other contact information, a description of the Dispute (including any relevant account numbers), and what resolution to the Dispute is being sought.

The Notice requirement is designed to allow us (or you, in the case of a dispute we assert against you) to make a fair, fact-based offer of settlement if we or you choose to do so. You and we cannot proceed to arbitration unless this information has been provided. If you or we proceed to arbitration without providing a compliant Notice of Dispute, the sufficiency of a Notice of Dispute is an issue to be decided by a court. A court may enjoin the filing of an arbitration demand that has not been preceded by a compliant Notice of Dispute and may order a party that has filed an arbitration demand without having provided a compliant Notice of Dispute to reimburse the other party for any arbitration fees and costs already incurred.

We hope you'll try Informal Resolution first, and you must do so before commencing an arbitration, but you don't have to before going to court.

Coordinated Filings: If 25 or more Disputes are initiated with the arbitrator that raise similar claims, and counsel for the claimants are the same or coordinated, these will be considered “Coordinated Cases.” Any Coordinated Cases arbitration will be conducted by the AAA under the then-current version of the AAA's Mass Arbitration Supplementary Rules and fee and cost schedules. We will pay only our share of arbitration fees for Coordinated Cases; the claimants will be responsible for their share of those fees. Applicable statutes of limitations will be tolled during the Informal Resolution process for all claimants who have provided compliant Notices of Dispute to us, but demands for arbitration in Coordinated Cases shall only be filed with the arbitration provider as permitted by the bellwether process set forth below.

Once all Notices of Dispute have been provided to us for Coordinated Cases, counsel for claimants and counsel for us shall confer in good faith regarding the number of cases that should proceed as bellwethers, to allow each side to test the merits of its arguments, before the remainder of claims may be filed with the arbitration provider. Any number chosen must be an even number so as to allow each side to designate its half of the cases selected for bellwether trials. If counsel for claimants and for us do not agree on the number of bellwethers, the number shall be chosen by the arbitration provider as an administrative matter (or, in the arbitration provide's discretion, by a process arbitrator). Factors that the arbitration provider may consider in making this decision include the complexity of the dispute and differences in facts or applicable laws among various claims. Once the number of bellwethers is fixed, by agreement or by the arbitration provider, each side shall select half that number from among the claimants who have provided compliant Notices of Dispute, and only those chosen claims may be filed with the arbitration provider. You agree that if your case is among Coordinated Cases filed against us, resolution of your personal claim might be delayed by this bellwether process. Nothing in this paragraph shall be construed to delay the resolution of uncoordinated Disputes based on similar claims to Coordinated Cases filed against us.

A single arbitrator shall preside over each Coordinated Case chosen for a bellwether proceeding, and only one Coordinated Case may be assigned to each arbitrator as part of a bellwether process unless the parties agree otherwise.

Once all bellwether trials have concluded (or sooner if the counsel for the claimants in the Coordinate Cases and we agree), the parties must make a good-faith effort to resolve all remaining cases that were not chosen for a bellwether proceeding by engaging in a single mediation of all remaining cases. Each side shall pay half the applicable mediation fee. Counsel for claimants in the Coordinated Cases and for us must agree on a mediator within 30 days after the conclusion of the last bellwether trial. If counsel for claimants in the Coordinated Cases and for us cannot agree on a mediator within 30 days, the arbitration provider will appoint a mediator as an administrative matter. Counsel for the claimants in the Coordinated Cases and for us will cooperate for the purpose of ensuring that the mediation is scheduled as quickly as practicable after the mediator is appointed.

If the mediation does not yield a global resolution, then claimants in Coordinated Cases who provided compliant Notices of Dispute but whose claims were not resolved in bellwether proceedings shall no longer have the right to arbitrate their Dispute. Instead, outstanding claims from such cases may be filed only in the state courts in Minnesota or if federal jurisdiction exists, in the District of Minnesota, and you consent as part of these Terms to venue such cases exclusively in these courts. Nothing in this paragraph shall be construed as prohibiting either you or us from removing a case from state to federal court if removal is allowed under applicable law. To the extent you are asserting the same claims as other persons and are represented by common or coordinated counsel, you agree to waive any objection that the joinder of all such persons is impracticable. If a formerly arbitrable Dispute is brought in court, claimants may seek class treatment, but to the fullest extent allowed by applicable law, the classes sought may comprise only the claimants in the Coordinated Cases who provided compliant Notices of Dispute, and we reserve the right to contest class certification at any stage of the litigation and on any available basis.

A court shall have authority to enforce this bellwether process and may enjoin the filing of lawsuits or arbitration demands not made in compliance with it.

You have the right to opt out of this Arbitration provision, but you may only do so in the first 30 days after the first transaction is posted to your Account. In order to opt out, you must write us at WebBank/Fingerhut Arbitration, P.O. Box 0260, St Cloud, MN 56395-0260. You must inform us of your decision to opt out, and sign the notice.

This Arbitration provision shall survive repayment of your extension of credit and termination of your Account. This Arbitration provision is made in connection with interstate commerce, and shall be governed by the Federal Arbitration Act, 9 USC Sections 1 through 16. If any part of this Arbitration provision is determined to be void or unenforceable, then this entire Arbitration provision shall be considered null and void; however, it shall not affect the validity of the rest of this Agreement.

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

Credit Bureau Dispute: If you believe we inaccurately reported credit history information about you or your credit agreement to a credit reporting agency, write to us at: Credit Bureau Reporting Services, 6250 Ridgewood Road, Saint Cloud MN 56303. Please provide the account or 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.

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 Statutes §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.

Nevada: The WebBank/Fingerhut FreshStart closed-end installment loan is not offered to residents of Nevada.

New York Residents: New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. The New York state department of financial services' telephone number is 1-800-342-3736, and its website is http://www.dfs.ny.gov.

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.

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