EXHIBIT A
`
`

`

`
`
`temaamtesaeatimainsati,iin
`
` #
`
`Pa Account Summary
`Previous Balance
`Payments & Credits
`Purchases & Debits
`Fees Charged
`Interest Charged
`New Balance
`
`Credit Limit
`Available Credit
`Statement Closing Date
`Days in Cycle
`Past Due Amount
`Minimum Payment Due
`
`Interest Charge Calculation
`
`610.35
`0,00
`320.00
`29.00
`18.57
`977.92
`
`2,600
`1,622
`10/17/21
`30
`46.99
`106.98
`
`Balance Subject
`Annual Percentage
`Type of
`to Interest Rate
`Rate (APR)
`Balance
`743.18
`Non Deferred 29.99%
`(v) APR will vary with the market, based on the Prime Rate.
`
`—_—Interest
`Charge
`18.57
`
`Transactions
`
`Date
`10/05/21
`
`Transaction ID
`0000049821
`
`
`:2
`
`3.
`)
`
`Payment Information
`:
`977.92
`New Balance
`106.98
`Minimum Payment Due
`11/06/21
`Mail Payment By
`11/13/21
`Payment Due Date
`Late Payment Warning: If we do not receive your minimum
`payment by the Payment Due Datelisted above, you may have tao
`pay a late fee of up to $40.00.
`Minimum Payment Warning: If you make only the minimum
`paymenteach period, you will pay morein interest andit will take
`you longer to pay off your balance. For example:
`
` If you would like information about credit counseling services call 1-888-364-2268.
`
`To avoid adcitional interest charges, pay the New Balance by the Payment Due Date.
`
`a
`
`
`
`seraattenmeetinetheneNTNEIfoeeTAHAASNRGheNAAaementGetrnaverRAGEmecir
`
`Amount
`106.34
`
`69.10
`
`40.39
`
`26.58
`
`13.81
`
`63.78
`
`29.00
`29,00
`
`
`
`
`
`“meateumsmmommannyyananconnennsnimtnanintiinaeamiam,
`
`10/05/21
`
`0000066622
`
`10/05/24
`
`0000066609
`
`10/05/21
`
`0000064610
`
`16/05/21
`
`0000066621
`
`10/05/21
`
`0000066611
`
`Description
`PURCHASE
`Life-Size Animated Talking Ske
`PURCHASE
`Dragon Skeleton Brown ONE SIZE
`Skeleton Cat Multi ONE SIZE
`Dragon Skeleton Brown ONE SIZE
`PURCHASE
`22" BoneChilling Skeleton Bat
`Hanging Candelbra Black
`PURCHASE
`22" Bone Chilling Skeleton Bat
`PURCHASE
`Hanging Candelbra Black
`PURCHASE
`Skeleton Vulture White
`Skeleton Vulture White
`
`e
`
`Fees
`
`10/13/21
`TOTAL FEES FOR THIS PERIOD
`
`LATE FEE
`
`NOTICE: See Reverse Side for Important Information
`
`_inauires RegardingYYoururFingerhutAcwantageCredit Account issuedctyWebBank, Member FDIC: 1-800-208-2500
`
`
`eck:scpayatie’ce)Figonts:
`
`PovDATE Psi0698DUE
`Amount Ericlosed_
`serns2Balance
`
`CustomerNumber|astso1}$0698|98|g97792|92 sb
`
`Account Number
`XXXX-XXXK-KXXX-1763
`
`3891233858
`
`i
`
`ee :
`
`3891233858
`JUDIA JUUL
`34 STATE ROUTE 37
`NEW FAIRFIELD CT 06812-5003
`
`Make’Your.check payable'to Fingerfiutand mail toi
`
`PO BOX 70281
`PHILADELPHIA, PA 19176-0281
`
`

`

`IMPORTANT NOTICE
`Your payment will be credited to your accaunt an the same daywe receive it if the bottom portion
`of this statement and your check are received by us on a processing day by 5:09 pm Eastem Time
`in the enclosed envelope at our processing center. Payments received efter 5.00 pm Eastern Time
`will be credited on the next processing day. Please allow atJeast seven (7) days for nosteldelivery.
`Payments received at any other focation in another form or with ether documents may not be
`credited the same day we receive the payment. Our processing days are Monday through Sunday,
`excluding holidays for payments recelved by mail. Payments received on holidays will be credited
`as of the previous processing day. When you send us.a check a5 a payment you authorize us to use
`Information from your check to makea one-time electronicfund transfer fromyour deposit account,
`or to process the paymentas a check transaction, Whea we use information from your check to
`meke an electronic fund transfer, furds may be withdrawn frem your deposit account as soon as
`the same day we receive payment, and you will not recelve your check back from your fnandal
`institution, Hf your check & retumed to us due to non-suffident funds we may also re-deposit it
`threugh a one-time electronic fund transfer. You may also make a payment al anytime on your
`Fingerhut Advantage Account at fingerhat.com/MyAccount er via an autonated phone payment
`at 1-800-208-2500, Onina and autemated phone payments will be posted as of the same day #!
`made before 11:00 pm Central Time. H your statement shows a credit balance, you may request
`a refund of the credit by contacting Fingerhut Credit Services, al the address shown below. You
`May pay the entie balance on your account at anytime without inowrlig any additional charges
`for prepayment.
`PAYMENTS
`Make checks payable to Fingerhut end mail to:
`Fingerhut Credit Account Services, P.0. Box 70281, Philadelphia, PA 19176-0281
`Please writeyour FingerhutAdvantageAcceuntnumber on your check. Do notsend correspondence
`to this address. Mail your payment in the endosed envelope with the payment coupon at the
`bottom ofyour statement.
`WHATTO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR
`STATEMENT
`Sf you think there is an exrar on your Statement, erite us at
`Fingerhut Credit Account Services, P.0. Box 1250, Saint Cloud MA 56395-4250.
`(nyour letter, aive us thefollowing faforrsation:
`» Account Information: Your name and your 10-digit Fingerhut Customer Humber.
`« Dollar Amount: The daar amount of the suspected tor.
`» Bescription of Problem: It you think there is an error on your bil, describe what you believe is
`wrong end why you believe it is a mistake.
`You must contact us within 60 days afterthe error appeared on your statement. You must notify us
`of any potential errors in writing, You ray call us, but If you do we are not required te investigate
`any potential errors and you may have to pay the amount jn question,
`While we investigate whether or not there bas been an error, the icllowing gre tue!
`» We cannottry to collect the emount in question,or repdrt youas delinquent.
`+ The charge in question may remain on your statement, and we may continue to charge you
`interest on that amount, But, if we determine that we made 2 mistake, you wil not have to pay
`the amount in question or any interest or otver fees related to Ihat amount.
`» While you do not have to pay the amount in question, you are responsible for the remainderof
`yous batance,
`» We can apply any unpald amount against your credit limit.
`YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT
`PURCHASES
`Ifyou use your card to make a purchase and you are dissatisfied with the goodsor services that you
`receive, you may have the right not to pay the remaining amount due on the purchase.
`To use this right, afi of the following must be tue:
`1. The purchase must have been made in your home State er within 100 miles of your current
`mating address, and the purchase price must have been more than $50, (Note: Neither of these
`are necessary if your purchase was based on an ddverthement vie mailed to you, or ifwe own the
`company that sold youthe goods orserves.)
`
`2, You must have used your tard for the purchase.
`3. You must have not yetfully paid for the purchase.
`Jf ail of the criteria above are met and you are still dissatisfied with the purchase, contact us
`in welling at Fingerhut Credit Account Services, 0.0. Box 1250, Seint Cloud MN 56395-1250,
`While weinvestigate, the same rules apply to the disputed amountas discussed above, After
`ye (nish our investigation, we wil tel you our decision. At that point, if we think you owe an
`amount and you do notpay we May report you as delinquent,
`CREDIT BUREAU DISPUTES
`It you believe we inaccurately reported credit histery information aboutyay oryour Account tea
`credit reporting agency,write to us at: Credit Bureau Reporting Services, 6250 Ridgewood Road,
`Saint Goud MN 56303. Picase provide the Fingerhut Advantage Creda Account number along
`with a copy of your credit bureau report reflecting the information that you believe isinaccurate.
`HOW! WE CALCULATE INFEREST CHARGES
`To calculate the interest charge payable each month, we multiply the average daily bafance
`times the monthly periodic rate. Your monthly periodic rate may vary each billing cycle. The
`monthly nerlodic rate is determined by dividing the APR by 12, Your Account is subject to a
`Tinimum interest charge of $1.00.Average Daily Balance: We figure the interest charge on your
`Account by enplying the monthly periodic rate to the “average daily balance” of your Account
`Including currenttransactions, To get the“average daily balance” we take the beginning balance
`of your Account, each day, add any new putdhates, charges and other fees, and subtract any
`payments or cedits. This gives us the daily balance, Then, we addup all the daily balances for
`that biling cyde and dividethe total by the number of days in the billing cyda. This gives us
`the “average daily bafance™,
`Interest charges begin lo actrue on each purchase on the date of the purchase. However, if
`you pald the new balence on your previous Statement by the payment due date shown on
`the statement, then: {1} if you pay the neve balance on your cuent billing statement by the
`payment due date shown, we impase no interest charges on purchases during the current
`biting de, end (2) if you make 8 payment by the payment due date shown on your curent
`billing statementthat fs less than the new balance, we will cedit that payment as of tha first
`day in your cizrentbilling oycle.In addition,if your Statementreflected g new balance end you
`did net pay that new balance in full by the payment due date on that previous statement, then
`we wil not Impose interest charges on any purchases during the current hiiing cycle tf you
`pay the balance shown on your currentStatement by the payment due date reflected on that
`current statement,
`DEFERRAL PERIODS
`WebBank may offer Accounts promotional credit offers, including deferred payment offers.
`Special rules epply te promotional credit offers, which are desaibed at the time of the otfer.
`« The date, amount and description of each purchase are Mdentified on your periodic statement
`for the period when you make the purchase,
`+ Each periodic statement contains a summary of all active delered offers, including unpaid
`balances, any interest charges and the date on which the deferral perinds exnie,
`+ We figure interest charges each month by multiplying the average daily balance of each
`deferred balance by the monthly periodic rate.
`+ We do consider all deferred putchasesfor purposes of determining your available credit,
`NOTICE OF ASSIGNMENT:The right
`to recelve payment on your Fingerhut
`Advantage Credit Account has been assigned by WebBankto Fingerhut,
`QUESTIONS ABOUT YOUR STATEMENT
`E-mailus at castomersenice@tingeshutcom
`orcall 1-800-208-2500 (English) 1-800-556-3208 (En Esparich
`
`64729 G21
`eeee ey ey as ee eea ke ee ek ettlmh hae eea ee se sy sk tt kt mt et
`
`IMPORTANT! Has your address, phone number, or e-mail address changed? If so, pleasefill in
`any NEW information in the spaces below and we will update your account.
`
`iL
`
`Accomt [||TP ba
`|Phoneel TT LET CET
`
` [loLdLEEaLETTE
`
`
`Name
`
`Address
`
`City
`
`
`
` toitTi :
`
`
`
`E-Mail Address
`
`
`EE
`Please provide your e-mail address for business transactions.
`(We will not send promotional material without your permission.)
`C] Check here if you'dlike to receive e-mails about Fingerhut special deals and events.
`
`Consent for Use of Telephone Numbers: You authorize WebBank/Fingerhut, their affiliates, agents, and others calling at their request or on their behalfto
`contact you at any number(i) you have provided to us (i) from which you have called us, or (ii} which we obtain and believe we can reach you at, We may
`contact you In any way, suchascalling, 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 forit by your provider.
`
`

`

`
`
`
`
`x89.66 |
`
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`

`

`IMPORTANT NOTICE
`Your payment will be aedited to your account on the sameday we receive ft if the bottom partion
`of this staternentand your check are recelved by us on ansocessing day by 5.00 pm Easter Time
`in the endosed envelopeat our processing center, Payments received after 5:00 pm Easter Time
`will be credited on the next processing day. Please attaiy at least seven (7) days for postal delivery.
`Payments received at any other locatlon in another form or with other documents may not be
`credited the same day wereceive the payment. Our processing days are Honday through Sunday,
`exduding holidays for payments received by mail. Payments received on hofdays will be credited
`as of the previous processing day, ¥éhen you send us a checkas a payment,you authorizeus fo use
`Information from your check to makea one-time electronic fund transferfrom your depositaccount,
`or to process the payment as a check transaction, When we use fnfammation from your deck to
`make an electronic fund wensfer, funds may be withdrawn from your deposit account as soon 3s
`the same day we receive payment, and you wif not recelve your check back frome your finandal
`Institution. If your cieck i retumed ta us due ta non-suffident funds we may also re-deposit IL
`through 2 one-time electronic fund transfer, You may also make a payment at anytime on your
`Fingerhut Advantage Account at fingertttLcomy/MyAccountor via ah dutomated phone payment
`at 1-800-208-2500, Online and automated phone payments will be posted as of the same day ff
`made before 11:06 pm Central Time, If your statement shows a credit balante, you may request
`a refund of the cedit by contacting Fingerhut Credit Services, at the address shown below. You
`Maypay the entire balance on your accountat anytime without incuwting any additional charges
`for prepayment.
`PAYMENTS
`Make checks payable to Fingerhut and mailto:
`Fingertut Credit Account Services, P.O. Box 70281, Philadelphia, PA 19176-0281
`Please writeyour FingechutAdvantageAccount number on yourchedt. Do not send correspondence
`to this address. Mail your payment in the endosed envelope with the payment coupon at the
`bottem ofyour statement.
`WHATTO DO IF YOU THINKYOU FIND A MISTAKE ON YOUR
`STATEMENT
`Ifyou think these is 20 erroz on your statement, write us at:
`Fingerhut Credit Account Services, P.0, Box 1250, Saint Cloud MN 56395-1250.
`In your letter, give us the following information:
`» Account information: Your name and your 10-digit Fingerbut Customer Humber.
`« Dollar Amount: The dolar amount of the suspected error,
`« Detciption of Probfen: if you think there & an exar on your bill describe véhat you believe is
`wrong and why you bevieve it Is a mistake.
`You must contact us within60 days afterthe error appeared on your statement. You mustnotiy us
`of anypotential errors in writing. You maycall us, but if you da we ere not required to Investigate
`any potential errors zedyou may have to pay the amount in question.
`White we investigate whether or not there has beenan error, thefolowing are tue:
`» We cannottry to collect the amount In question, or renort you as delinquent.
`» The charge in question may remain oa your statement, and we may continue to charge you
`interest on that amount. But, ifwe determine that we madea mistake, you will nat have to pay
`the amount In question or any interest or other fees related to that mount,
`= While you do not have to pay the amount in question, you ate responsible for the remainder of
`your balance.
`« We can applyany unoald amount agelnst your credit Emit.
`YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT
`PURCHASES
`Ifyou use your card to make a purchase and you are dissatisfied withthe goods orservices that you
`receive, you may have the right not to pay the remaining amount due on the purchase,
`To use this right, al of the toflowing must be true:
`1. The purchase must have been made in your home State or vathin 100 miles of your current
`mafling address, and the purchaseprice must have been more than $50, (Note: Neither of these
`are necessary if your purchase was based on an advertbement we maiied to you, or if we own the
`Companythat sold yau the goods or servkes}
`
`2, You must bave used your card for the purchase.
`3. You musthave hot yet fully paid for the purchase.
`If all of the criteria shove are met and you are still dissatisfied with the purchase, contact us
`in Weiting at: Fingerhut CreditAccountServices,P.0, 80x1250, Saint Goud MN 56395-1250,
`While weInvestigate, the same rutes apply to the disputed emeunt as discussed above. Alter
`we finh ourinvestigation, ye will tell you our decision. At that point, if we think you owe an
`amount and you do not pay we may report you asdelinquent.
`CREDIT BUREAU DISPUTES
`it you believe we inaccurately reportedcredithistory infermationabout you o: your Account te a
`edit reporting agency,write to us.at: Credit Bureau Reporting Services, 6250 Ridgewood Road,
`Saint Goud MN 56303, Please provide the Fingerhut Advantage Credit Account number along
`‘with a copy of your credit bureau report reflectingthe Informationthatyeu believe is inaccurate.
`HOW WE CALCULATE INTEREST CHARGES
`To caltulate the Interest charge payable each month, we multiply the average daily balance
`times the monthly periodic rate. Your monthly periodic rate may vary each billing cycle, The
`monthly periodic rate is determined by dividing the APR by 12. Your AccountIs subject toa
`minimum interest chatge of$1.00. Average Daily Balance: We figure the interest charge on your
`Account by applying the monthly periodic rate to the “average daily batance* of your Account,
`Incuding current transactions. To get the “average daily balance” wetake (hebeginning balance
`of your Account, each day, add any new purchases, chames and other fees, and subtract eny
`payments of Credits. This gives us the daily balance. Then, we add up all the daily balances for
`that billig cde and divide the tora! by the numberof days in the biling cyde. This gives us
`the “average daily balance”,
`interest charges beghi to actrue on ead purchase on the date of the purchase. However, if
`yeu 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 currentbilling statement by the
`payment due date shown, we Impose no interest changes on purchases during the quent
`biting evde, and (2) if you make a paymentby the payment due date shown on your curent
`biling statement that is less than the new balance, we will credit that payment as of the first
`day i your curreatbilling oyda. in addition, if your Statentent reflected a new balance and you
`did not pay that newbalance in full by the payment due date on that previous statement, then
`we will not imoose interest charges on any purchases during the current billing cyte 1 you
`pay the balance showa on your current Statement by the payment due date reflected on that
`nrtent statement,
`DEFERRAL PERIODS
`WebBank may offer Accounts promotional credit offers, including deferred payment offers.
`Special rufas apply to promotional credit offers, which are desaibed at thetime of the offer.
`« The date, amount and description of each purchase are identified on your periodic statement
`for the peried wher you meke the purchase.
`» Each periodic statement contains a summary of all active deferred offers, including unpaid
`balances, any interest charges and the date on wich the deferral periods expize,
`« We figure Interest charges each month by mutiplying the average daily balance ofeach
`deferred bafance by the monthly periodic rate.
`«= We do consider all deferted purchases for purposes of determining your available credit.
`NOTICE OF ASSIGNMENT:The fight
`to recelve payment on your Fingerhut
`Advantage Credit Account has been assigned byWebSankto Fingerhut.
`QUESTIONS ABOUT YOUR STATEMENT
`E-mailus at castomersenice@lingerhutcom
`of call 1-800-208-2560 (Enalish) 1-800-556-3208 (En Espanol)
`
`$4729 6721
`aameeakklll ele leg hg ml ee il oa eae a ald ikki mh meme
`
`IMPORTANT!Has your address, phone number, or e-mail address changed? If so, pleasefill in
`any NEW information in the spaces below and wewill update your account.
`
`CLEPETTTTTTTT prone [TT|LTT} LEE
`Account
`i
`i
`t
`it
`i
`
`i
`
`:
`
`Name
`
`Address
`
`City
`
`
`
`
`
`
`
`
`[E-Mail Address
`Please provide your e-mail address for business transactions,
`(We will not send promotional material without your permission}
`[7] Check hereif you'd like to receive e-mails about Fingerhut spécial deals and events.
`
`Consentfor Use of Telephone Numbers: You authorize WebBank/Fingerhut, thelr affiliates, agents, and others calling at their request or on their behalf to
`contact you at any number(i) you have provided to us(i) 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 cr 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.
`
`

`

`advantage
`CreditAccount
`
`
`|
`
`cs
`
`213.98
`0.00
`0.00
`22.28
`786.22
`2,600
`1,813
`11/17/21
`31
`0.00
`46.99
`
`Payments & Credits
`Purchases & Debits
`Fees Charged
`Interest Charged
`NewBalance
`Credit Limit
`Available Credit
`Statement Closing Date
`Days in Cycle
`Past Due Amount
`Minimum Payment Due
`
`:
`Payment Information
`786.22
`New Balance
`46.99
`Minimum Payment Due
`12/06/21
`Mail Payment By
`12/13/21
`Payment Due Date
`Late Payment Warning: If we do not receive your minimum
`payment by the Payment Due Datelisted above, you may have to
`pay a late fee of up to $40.00.
`Minimum Payment Warning: If you make only the minimum
`paymenteach period, you will pay more in interest andit will take
`
`you longer to pay off your balance. For example:
`
`~
`Tf you make no additional.
`
`| Interest Charge Calculation
`charges using:this card and:
`|shownon this statementin
`estimated total. of:
`:
`_. Bach month you pay:.*, ~
`Our
`
`
`
`Type of Balance Subject—InterestAnnual Percentage Only theminimum
`
`
`
`D
`
`IfyouwoUld ie information about Gedcounseling serdces cal -U85-364-0208,
`Balance
`Rate (APR)
`to Interest Rate
`Charge
`To avotd additfonal interest charges, nay the New Balance by the Payment Due Date.
`Non Deferred 29.99%
`891.64
`22.28
`(v) APRwill vary with the market, based on the Prime Rate.
`
`Transactions
`
`Fees
`
`Transaction ID
`
`Date
`10/31/21
`La/11/21
`
`TOTALFEES FOR THIS PERIOD
`
`
`
`
`
`mecSiaEAARNRERUNENMRAARARRARRRAURRRRRNRUSOREERLERELRyseReareinatbrRentYenlnenemaTnilWHYminaevihenmntennethernS:wattpamTARRAYsmearvesitanentenneenrtyassy,_ FINGERHUT
`
`
`
`Interest Charged
`
`14/17/21
`INTEREST CHARGE
`TOTAL INTEREST THIS PERIOD
`
`
`TOTAL FEESYTD 2021
`
`: TOTALINTEREST YTD 2021
`
`Description
`PAYMENT- THANK YOU
`PAYMENT- THANK YOU
`
`Amount
`-106.98
`-107.00
`
`0.00
`
`22.28
`22.28
`
`29.00
`111.94
`
`NOTICE: See Reverse Side for Important Information
`Inquiries Regarding Your Fingerhut AdvantageCredit Account issued by WebBank, Member FDIC: 1-800-208-2500
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`Account Number
`XXXK-KXXKK-KXXX-1763
`Customer Number
`3891233858
`
`38912338538
`JUDI A JUUL
`34 STATE ROUTE 37
`NEW FAIRFIELD CT 06812-5003
`
`Make Yourcheck payable toFingertiuitand mailto:,
`
`PO BOX 70281
`PHILADELPHIA,PA 19176-0281
`
`

`

`IMPORTANT NOTICE
`Your paymentwill be credited to your accounton the same day we receve it if the bottom portion
`ofthis statementand your check are recelved by us on a processing day by 5:00 pm Easter Time
`in the endosed envelope at our processing center. Payments received after 5:00 pm Eastern Time
`will be creditedon the next processing day. Please alow atleast seven (7) days for postal delivery.
`Payments received at any other focation in another form or with other documents may mot be
`credited the same day we receive the payment Gur processing days are Monday through Sunday,
`exduding holidays for payreents recelved by mail Payments received on holidays will be credited
`ag of the previous processing day. When you sendus a check as a paymnent, you authorize us touse
`Information from your check lo mekea one-time electronic fund transfer from your deposit account,
`or to process the payment as a check ansaction, When we use Information from your check to
`make an efectroni¢ fund tensfer, funds may be withdrawn from your deposit account 2$ soon as
`the same day we rerelve payment, and you will not recelye your check back from yourfinancial
`Institution. If your check & retumed to us due to non-Suifident funds we may also r-deposit it
`through a cne-time electronic fund transfer, You may also make a payment at anytime on your
`Fingerhut Advantage Account at fingerhut.com/MyAccount er via an automated phone payment
`at 1-800-208-2500, Onfine and automated phone payments will be posted as of the same day If
`made before 11:00 pm Central Time, If your statement shows a credit balance, you may request
`2 refund of the cedit by contacting Fingerhut Credit Services, at the address shown befew. You
`May pay the entire balance on your account at anytime without incuting any additional charges
`for prepayment.
`PAYMENTS
`Make checks payable to Fingeshut and mail to:
`Fingertrut Credit Account Senvices, P.0. Sox 70281, Philadelphia, PA 19176-028)
`Please write your FingethutAdvantageAccountnumber onyourcheck. Donot send correspondence
`to this address. Mad your payment in tha endosed envelope with the payment ceupon at the
`bottom of yourstatement,
`WHATTO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR
`STATEMENT
`Ifyou think thereis 21 error on yourstatement, write us at:
`Fingerhut Credit Account Services, P.0, Box 1250, Saint Cloud MN 56395-1250.
`In your letter. give us the following information:
`» Account Information: Your name and your 10-digit Fingerhut Customer Humber.
`+ Dollar Amount: The dolar amount of the suspected error,
`« Description of Probtem: it you think there i an esrer on your bill, descrbe yhat you believe is
`wrong and why you betieve it fs a mistake,
`You must contact us within 60 days afterthe errorappeared on your statement. Youmust notify us
`of any potential errors in eiting. You maycall us, but Hf you da we ate not required to investigate
`any potentiat errors and you may have to pay the amount In question.
`Whit weinvestigate whether or not there has been an error, the following are true:
`» We cannat 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. But, if we determing thatwe made a mistake, you will not have to pay
`the amount in question or any interest or other fees related to that amount,
`» While you do not have to pay th amount in question, you are responsible for the remainderof
`your balance.
`+ We can applyany unpald amount against your credit Emit.
`YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT
`PURCHASES
`Ifyouuse your card to make 3 purchaseand you are dissatisfied withthe goods or services that you
`recelve, you may have the rightnot to pay the remaining amount dueon the purchase.
`To use this right, alf of the following must be true:
`1. The purchase must fave been made in your home Stale or within 100 sniles of your curent
`mating address, and the purchase price must have been more than $50, Qiote; Neither of these
`are necessary If your purchase was based on an adverthement we mailed to you,or if we own the
`company that sold you the goods orservices.)
`
`2, You must have used your tard for the purchase,
`3. You must have not yetfully paid for the purchase,
`IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us
`in Waiting at: Fingerhut Credit AccountServices, P.0. Box 1250, Saint Goud MN 56395-1250,
`While we investigate, the seme rules apply to the disputed amount as discussed above. After
`we finish our investigation, we wid Lell you our decision. At that point, if we think you owe an
`amount and you do not pay we may report you as delinquent
`CREDIT BUREAU DISPUTES
`Mt you believe weinaccuretely reported credit history information about you oryour Account toa
`credit reporting agency, write to usat: Credit Bureau Reporting Services, 6250 Ridgewood Road,
`Saint Cloud MN 56303.Please provide the Fingerhut Advantage Credit Account number along
`with a copy ofyour creda bureau report reflecting the informationthat you believe is inaccurate,
`HOW WE CALCULATE INTEREST CHARGES
`To calculate the interest charge payable each month, we multiply the average daily balance
`tines the monthly pertodic rate. Your monthly perledic rate may vary each biling cycle, The
`monthly periodic rate is determined by dividing the APR by 12, Your Account fs subject toa
`minimum interest charge of$1.00. Average Dally Balance: We figure the interest charge on your
`Account by applying the menthly periodic rate to the “average daily balance” of your Account,
`including current Uansactions. To get the “average daily balance” we take thebeginning balance
`af your Accourt, each day, add any new purchases, chames and other fees, end subtract eny
`payments of Gedits, This gives us the daily balance. Then, we add up all the daily balances for
`that bing qyde and divide the total by the number of days In the biting ode. This gives us
`the “average daily balance”.
`(nterest charees 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 shawn on
`thestatement, then: {1} if you pay the new balance on your current billing statementby the
`Dayment due date shown, we impose no Interest charges on purchases during the current
`biting ode, and (2) if you make 2 payment by the payment due date shown on your curent
`billing statement that is less than the nev balance, we will credit that payment as of the fist
`day th your current billing cycle. In addition, if your Statementreflected a new balance and you
`did nat pay that new balance in full by the paymentdyedate on that previous statement, then
`we will nat impose interest charges on any purchases diging the current bifing qyete # you
`pay the balance shown on your current Statement by the payment due date reflected on that
`current statement.
`DEFERRAL PERIODS
`WebBank may offer Accounts promotional credit offers, including deferred paymentoffers.
`Special rules apply to promotional credit offers, which are desatibedtat the time of the offer,
`» The date, amount and description of eada purchase are Identified on your perlodic statement
`for the period when you makethe purchase.
`« Fach periodic statersent contalns a summary of all active deferred offers, including unpaid
`balances, any Interest charges and the date on evhich the deferral perinds exnize.
`» We figure intetest charges each month by multiplying the average dally balance of each
`deferred balance by the monthly periodic rate.
`= We do consider all deferred purchases for purposes of determining your available credit,
`NOTICE OF ASSIGNMENT:The right to receive payment on your Fingerhut
`Advantage Credit Account has been assigned by WebBank to Fingerhut.
`QUESTIONS ABOUT YOUR STATEMENT
`E-maifus alcstomerservice@tingerhulcom
`er call 1-800-208-2500 (English) 1-800-556-3208 (En Espafiol)
`
`64129 6/21
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`IMPORTANT!Has your address, phone number, or e-mail address changed? If so, pleasefill in
`any NEW information in the spaces betow and wewill update your account.
`
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