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The Seen Credit Account is designed to help you establish or improve your credit profile with on-time payments and responsible account use.¹ There are no credit checks, no interest, and no hidden fees.²

Monthly payments as low as $5 are financed through a dedicated $1,500 line of credit to the Seen Store. The first payment is made after your account opening. You will make an initial purchase of a 12-month plan for $60 financed through your Seen Credit Account. Your plan purchase grants you access to the Seen Store where you can make additional purchases with your account. You are required to make monthly minimum payments of $5 or 2% of your outstanding balance, whichever is greater. If your balance is less than $5, you will be required to pay your entire balance for that month. Your first monthly minimum payment of $5 will be made at the time you open your account. You may repay your full outstanding balance at any time.

We report your payment history and account details to national credit bureaus. With responsible use and on-time payments, you can establish and grow credit.¹

Your account is reported to national credit bureaus as:

• Account Type: Charge Account
• Portfolio Type: Revolving
• Terms Frequency: Monthly

Each month you make your minimum payment on time, that positive payment activity is reported to national credit bureaus. Consistent, on-time minimum payments over time can help build or rebuild your credit profile.¹

The Seen Credit Account is currently only available to consumers in: Arizona, Arkansas, Connecticut, Hawaii, Illinois, Iowa, Massachusetts, Nebraska, New Jersey, Ohio, Oregon, Pennsylvania, Rhode Island, Washington, West Virginia, and Wisconsin. We will be expanding availability soon. Check back for updates.

Your plan purchase includes access to our digital bookstore where you can make additional purchases with your Seen Credit Account. With your first ebook purchase, you can return to get a second ebook free. The ebooks you purchase with your Seen Credit Account may be printed, downloaded, or accessed anytime in your digital library in the Seen Mobile App, even if you choose to close your Account.

Your initial plan purchase and all subsequent purchases through the Seen Store will be charged to your Seen Credit Account and reduce the amount of credit available. You can make the monthly minimum payments towards your outstanding balance or pay off your balance in full at any time. The payments on your Seen Credit Account will be reported to national credit bureaus. As you repay your purchases, your available credit will be refreshed permitting you to make additional purchases from the Seen Store.

The Seen Credit Account is a revolving line of credit similar to a credit card, but no physical or digital credit card is issued and it may not be used for general purposes, such as to purchase groceries, gas, or merchandise at brick-and-mortar or online retailers. It is a dedicated revolving line of credit which may only be used to purchase merchandise from the Seen Store.

As low as $5 per month. When you open a Seen Credit Account, an initial 12-month plan purchase of $60 is debited from your available credit limit. You will then make an initial monthly minimum payment of at least $5 after account opening and each month thereafter to repay that first $60 plan purchase over the next 12 months. Minimum monthly payments of $5 or 2% of your outstanding balance, whichever is greater, are required each month you carry a balance. Additional purchases may increase your required minimum monthly payment. You may cancel your account anytime or extend your account every 12 months with subsequent plan purchases of $60. There are:

• No annual fees
• No interest (0% APR)
• No late fees

You are required to make at least your minimum payment due each month if you have an outstanding balance, regardless of whether your account remains open or is closed.

Missed payments in any billing cycle where you carry an outstanding balance will be reported to the credit bureaus and may negatively impact your credit score. We report missed payments when they become 30 days or more past due.

If you miss a minimum payment:

• You may receive payment reminders
• Your next required minimum monthly payment may increase due to past-due amounts
• Your account may be reported as delinquent to the credit bureaus
• If your account reaches 60 days past due, your account will be closed

To avoid negative credit reporting, it's important to make at least your required minimum payment every month.