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PRESCREEN  AND  OPT-OUT  NOTICE:  The  “prescreened”  offer  of  credit  is  based  on 
information in your credit report indicating that you meet certain criteria. Credit may 
not be extended if, after you respond, it is determined that you do not meet the criteria 
used for screening or any other applicable criteria bearing on creditworthiness. If you 
do not want to receive prescreened offers of credit from this or other companies, 
call  the  consumer  reporting  agencies  at  1-888-5-OPT-OUT,  1-866-591-3464  and 
1-866-490-1920 or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; 
TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505.

IMPORTANT CREDIT DISCLOSURES FOR WEBBANk/FINGERHUT CREDIT PROGRAMS
You have been pre-selected to receive a WebBank/Fingerhut Revolving Credit Account.  If you do not 
qualify for the WebBank/Fingerhut Revolving Credit Account, you may be eligible for a WebBank/
Fingerhut Installment Loan. Below are important disclosures about the interest rates, fees, and other 
terms of these credit programs. Listed first are disclosures about the Revolving Credit Account, then 
disclosures about the Installment Loan, and then disclosures that apply to both products.
Summary of the Revolving Credit Account Terms:  This section relates to the Revolving Credit Account only.

Interest Rates and Interest Charges
Annual Percentage Rate  
(APR) for Purchases

24.90% 

How to Avoid Paying 
Interest

Minimum Interest 
Charge
For Credit Card Tips 
from the Federal 
Reserve Board

Fees
Penalty Fees
• Late Payment 
• Returned Payment 

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. 

If you are charged interest, the charge will be no 
less than $1.00.
To learn more about factors to consider when 
applying for or using a credit card, visit the 
website of the Federal Reserve Board at  
http://www.federalreserve.gov/creditcard.

• Up to $30.00
• Up to $30.00

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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 Credit 
Account, but it is not your complete Credit Account Agreement. Your Credit Account Agreement will be sent to you. 
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: If you are not eligible for the Revolving Credit Account issued by WebBank, WebBank may 
consider you for an Installment Loan that may allow you to finance your first purchase of more than $50. The 
terms of an Installment Loan are different from the terms of the WebBank/Fingerhut Revolving Credit 
Account, and the advertised prices per month in this catalog do not apply to purchases financed with 
an Installment Loan. You may be eligible for a WebBank/Fingerhut Revolving Credit Account if you make complete 
and timely payments on your Installment Loan. See important disclosures about the Installment Loan in section titled 
"Summary of the 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 in this catalog is the estimated initial monthly 
minimum payment required for a single item order on a Revolving Credit Account. Your actual minimum payment 
will be calculated using the payment chart on the Blue Page, based on your Account balance.
How We Figure Interest Charges: To calculate the interest charge payable each month, we multiply the average 
daily balance times the monthly periodic rate and, if applicable, add any deferred interest charges (see Deferral 
Periods). 

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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. Purchases subject to Deferral Periods described below are excluded from our calculation of the 
“average daily balance” until the day following the expiration of the Deferral Period. 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.”  
Annual Percentage Rate: Your Annual Percentage Rate is 24.90%, which corresponds to a monthly periodic 
rate of 2.075%.
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 or Merchants affiliated with Fingerhut 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 
placed your order for the specific rules that apply to your Deferral Period. Alternatively, you may call 1-800-208-
2500 to obtain the information.
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 Fingerhut 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:
1. 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.
2. 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.
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 use your card to make a purchase and you are dissatisfied with the goods or services that you receive, 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:
1. 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.)
2. You must have used your credit card for the purchase.
3. 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.
This  prescreened  offer  of  credit  supersedes  and  revokes  all  previous  offers  of  credit  from  WebBank.  This 
offer expires on XX/XX/XXXX. Requests for credit through this mailing received after the expiration date will be 
considered but will be subject to our general underwriting criteria.
Please see bottom of pages 1–2 for location of Plan terms for additional important terms.

See below for additional disclosures, under "Additional Important Disclosures for All Credit Accounts"
Summary of the Installment Loan Terms: This section relates to the Installment Loan only.
If you are not eligible for the WebBank/Fingerhut Revolving Credit Account, your initial purchase of more than $50 
may be financed by an Installment Loan between you and WebBank. This is not your complete Installment Loan 
Agreement. It is only a summary of certain important disclosures. Your Installment Loan Agreement will be sent to 
you.  Please read it carefully and keep it for your records. WebBank may sell, assign or transfer your Installment 
Loan Agreement or any portion thereof.
Representative Terms of Credit: The Installment Loan Agreement lets you make your initial purchase by making 
a $30 down payment to Fingerhut and [6] low monthly payments on your Loan. The Annual Percentage Rate is 
24.9%.  For purchases of $50 and $100, the following credit terms apply:

  Cash price/Sale price 
  Down payment 
  Finance Charge 
  Terms of repayment 

$50 
$30 
$1.48 
6 monthly payments of $3.58 

$100
$30
$5.18
6 monthly payments of $12.53

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  in  this  catalog  DOES  NOT  APPLY  TO  AN 
INSTALLMENT LOAN, because it applies only to the WebBank/Fingerhut Revolving Credit Account. The minimum 
payment for the Installment Loan will be calculated at the time of your purchase and will be disclosed to you with 
your Installment Loan Agreement. See above for sample Terms of Repayment, in the “Representative Terms of 
Credit” section.
Credit Card Account: When you obtain an Installment Loan, you request that we consider you for a revolving 
Fingerhut Revolving Credit Account issued by WebBank 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 will issue a WebBank/Fingerhut Revolving 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 will not be eligible to be considered for a WebBank/Fingerhut Revolving Credit Account.  You will 
not be eligible to be considered for a WebBank/Fingerhut  Revolving 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 Credit Account 
when approved.  A summary of the key credit terms of the Fingerhut Credit Account can be found above, under 
the heading "Summary of the Revolving 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 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 Fingerhut 
Credit Account issued by WebBank.  If a return (or returns) results in a credit balance, we will also refund your 

credit balance.
See below for additional disclosures, under "Additional Important Disclosures for All Credit Accounts"

Additional Important Disclosures for All Credit Programs:
When You Obtain Credit: 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 Revolving Credit Account or 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: Your credit 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 waiving 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 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 Dispute: If you believe we inaccurately reported credit history information about you or your credit 
agreement to a credit reporting agency, call us at 1-866-734-0342 or 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.
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 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. 
New York residents may contact the New York State Banking Department: 1-800-518-8866.
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.
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 1-800-208-2500. 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.state.tx.us. Contact the Commissioner relative to 
any inquires or complaints.

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PRESCREEN  AND  OPT-OUT  NOTICE:  The  “prescreened”  offer  of  credit  is  based  on 
information in your credit report indicating that you meet certain criteria. Credit may 
not be extended if, after you respond, it is determined that you do not meet the criteria 
used for screening or any other applicable criteria bearing on creditworthiness. If you 
do not want to receive prescreened offers of credit from this or other companies, 
call  the  consumer  reporting  agencies  at  1-888-5-OPT-OUT,  1-866-591-3464  and 
1-866-490-1920 or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; 
TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505.

IMPORTANT CREDIT DISCLOSURES FOR WEBBANk/FINGERHUT CREDIT PROGRAMS
You have been pre-selected to receive a WebBank/Fingerhut Revolving Credit Account.  If you do not 
qualify for the WebBank/Fingerhut Revolving Credit Account, you may be eligible for a WebBank/
Fingerhut Installment Loan. Below are important disclosures about the interest rates, fees, and other 
terms of these credit programs. Listed first are disclosures about the Revolving Credit Account, then 
disclosures about the Installment Loan, and then disclosures that apply to both products.
Summary of the Revolving Credit Account Terms:  This section relates to the Revolving Credit Account only.

Interest Rates and Interest Charges
Annual Percentage Rate  
(APR) for Purchases

24.90% 

How to Avoid Paying 
Interest

Minimum Interest 
Charge
For Credit Card Tips 
from the Federal 
Reserve Board

Fees
Penalty Fees
• Late Payment 
• Returned Payment 

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. 

If you are charged interest, the charge will be no 
less than $1.00.
To learn more about factors to consider when 
applying for or using a credit card, visit the 
website of the Federal Reserve Board at  
http://www.federalreserve.gov/creditcard.

• Up to $30.00
• Up to $30.00

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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 Credit 
Account, but it is not your complete Credit Account Agreement. Your Credit Account Agreement will be sent to you. 
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: If you are not eligible for the Revolving Credit Account issued by WebBank, WebBank may 
consider you for an Installment Loan that may allow you to finance your first purchase of more than $50. The 
terms of an Installment Loan are different from the terms of the WebBank/Fingerhut Revolving Credit 
Account, and the advertised prices per month in this catalog do not apply to purchases financed with 
an Installment Loan. You may be eligible for a WebBank/Fingerhut Revolving Credit Account if you make complete 
and timely payments on your Installment Loan. See important disclosures about the Installment Loan in section titled 
"Summary of the 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 in this catalog is the estimated initial monthly 
minimum payment required for a single item order on a Revolving Credit Account. Your actual minimum payment 
will be calculated using the payment chart on the Blue Page, based on your Account balance.
How We Figure Interest Charges: To calculate the interest charge payable each month, we multiply the average 
daily balance times the monthly periodic rate and, if applicable, add any deferred interest charges (see Deferral 
Periods). 

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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. Purchases subject to Deferral Periods described below are excluded from our calculation of the 
“average daily balance” until the day following the expiration of the Deferral Period. 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.”  
Annual Percentage Rate: Your Annual Percentage Rate is 24.90%, which corresponds to a monthly periodic 
rate of 2.075%.
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 or Merchants affiliated with Fingerhut 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 
placed your order for the specific rules that apply to your Deferral Period. Alternatively, you may call 1-800-208-
2500 to obtain the information.
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 Fingerhut 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:
1. 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.
2. 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.
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 use your card to make a purchase and you are dissatisfied with the goods or services that you receive, 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:
1. 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.)
2. You must have used your credit card for the purchase.
3. 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.
This  prescreened  offer  of  credit  supersedes  and  revokes  all  previous  offers  of  credit  from  WebBank.  This 
offer expires on XX/XX/XXXX. Requests for credit through this mailing received after the expiration date will be 
considered but will be subject to our general underwriting criteria.
Please see bottom of pages 1–2 for location of Plan terms for additional important terms.

See below for additional disclosures, under "Additional Important Disclosures for All Credit Accounts"
Summary of the Installment Loan Terms: This section relates to the Installment Loan only.
If you are not eligible for the WebBank/Fingerhut Revolving Credit Account, your initial purchase of more than $50 
may be financed by an Installment Loan between you and WebBank. This is not your complete Installment Loan 
Agreement. It is only a summary of certain important disclosures. Your Installment Loan Agreement will be sent to 
you.  Please read it carefully and keep it for your records. WebBank may sell, assign or transfer your Installment 
Loan Agreement or any portion thereof.
Representative Terms of Credit: The Installment Loan Agreement lets you make your initial purchase by making 
a $30 down payment to Fingerhut and [6] low monthly payments on your Loan. The Annual Percentage Rate is 
24.9%.  For purchases of $50 and $100, the following credit terms apply:

  Cash price/Sale price 
  Down payment 
  Finance Charge 
  Terms of repayment 

$50 
$30 
$1.48 
6 monthly payments of $3.58 

$100
$30
$5.18
6 monthly payments of $12.53

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  in  this  catalog  DOES  NOT  APPLY  TO  AN 
INSTALLMENT LOAN, because it applies only to the WebBank/Fingerhut Revolving Credit Account. The minimum 
payment for the Installment Loan will be calculated at the time of your purchase and will be disclosed to you with 
your Installment Loan Agreement. See above for sample Terms of Repayment, in the “Representative Terms of 
Credit” section.
Credit Card Account: When you obtain an Installment Loan, you request that we consider you for a revolving 
Fingerhut Revolving Credit Account issued by WebBank 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 will issue a WebBank/Fingerhut Revolving 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 will not be eligible to be considered for a WebBank/Fingerhut Revolving Credit Account.  You will 
not be eligible to be considered for a WebBank/Fingerhut  Revolving 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 Credit Account 
when approved.  A summary of the key credit terms of the Fingerhut Credit Account can be found above, under 
the heading "Summary of the Revolving 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 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 Fingerhut 
Credit Account issued by WebBank.  If a return (or returns) results in a credit balance, we will also refund your 

credit balance.
See below for additional disclosures, under "Additional Important Disclosures for All Credit Accounts"

Additional Important Disclosures for All Credit Programs:
When You Obtain Credit: 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 Revolving Credit Account or 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: Your credit 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 waiving 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 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 Dispute: If you believe we inaccurately reported credit history information about you or your credit 
agreement to a credit reporting agency, call us at 1-866-734-0342 or 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.
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 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. 
New York residents may contact the New York State Banking Department: 1-800-518-8866.
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.
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 1-800-208-2500. 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.state.tx.us. Contact the Commissioner relative to 
any inquires or complaints.

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