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** VIP Easy Returns - If you use your HSN Card for a qualifying VIP Easy Returns purchase and decide to return that product under HSN's return policy, (using the easy return label provided with your packing slip), an amount equal to the Easy Return charge you paid will be credited to your account as Spendable Ka$h that you can use on your next purchase at HSN. HSN Spendable KA$H is only valid for purchases from HSN, is not redeemable for cash, and may not be used to purchase gift cards or wine/alcohol, or to pay for charitable contributions. This Spendable Ka$h will be loaded into your HSN account within 1 day after your return is processed and will be available for you to use at HSN for 90 days after that time. Spendable Ka$h under this offer will expire if not used by or before the end of those 90 days. Not eligible if shipped to the 4 non-continental locations, (VI, PR, GU, and TT). HSN MasterCard purchases do not qualify for VIP Easy Returns. Subject to credit approval.

‡ VIP Financing available with HSN Credit Card Accounts offered by Comenity Capital Bank who determines qualifications for credit and promotion ability. $399 minimum purchase and minimum monthly payments are required on VIP Financing Offers.