SHOP OUR PRODUCTS HOW ZEBIT WORKS OUR MISSION REGISTER LOG IN Key Terms Disclosure HOME » DETAILS » KEY TERMS DISCLOSURE Most approved customers receive $1,000-$2,500 for an initial Spending Limit. Zebit has a two-step underwriting process. Zebit verifies your identity, income, and/or employment, to allocate an initial Spending Limit as conditional credit for you to shop, and then we underwrite every purchase attempt at checkout. Financing terms for $1,000 item: Make a 25% down payment of $250.00. $750.00 is financed at 0% APR for 6 months. This is a representative example. See your Retail Installment Contract for details. If you choose to pay your down payment in installments, through electing the “Pay Less” option at checkout, you will make a single payment at checkout and then 2 more equal weekly payments until your down payment has been paid. Then your order will be processed. Purchasing an electronic certificate today or over time will carry an 18% handling fee. So a $200 valued gift card costs $236. Zebit will verify information using certain specialty credit reporting agencies which does not affect your FICO score. Zebit’s prices may differ than other retailers’ prices. Compare before you shop. Not all customers will be approved for credit. FICO is a registered trademark of Fair Isaac Corporation. Get Started Join Now for Free How Zebit Works Employer Inquiries Affiliates Company Our Mission Careers Investors Press FAQ Contact ©2021 Zebit, Inc. All rights reserved. Zebit is only available in the United States and unavailable in Washington, D.C. Registration AgreementTransparency PledgePrivacyCybersecurityTerms Fair LendingMilitary Lending

SHOP OUR PRODUCTS HOW ZEBIT WORKS OUR MISSION REGISTER LOG IN Fair Lending Fair Lending Policy Statement Consistent with federal law, it is the policy of Zebit, Inc. to provide equal access to its credit product and services to all qualified applicants regardless of race or color; religion; national origin; gender; marital status; age (provided the applicant has the capacity to contract); disability, source of income or other prohibited basis under the Equal Credit Opportunity Act. Zebit will undertake all reasonable efforts to ensure that every applicant for credit receives consideration and treatment that is fair and equitable. As part of its fair lending policy, Zebit will notify applicants of action taken on their applications in accordance with federal law. Zebit will retain records of credit applications in accordance with applicable requirements. Get Started Join Now for Free How Zebit Works Employer Inquiries Affiliates Company Our Mission Careers Investors Press FAQ Contact ©2021 Zebit, Inc. All rights reserved. Zebit is only available in the United States and unavailable in Washington, D.C. Registration AgreementTransparency PledgePrivacyCybersecurityTerms Fair LendingMilitary Lending