ACCOUNT MAINTENANCE FEES:  This fee will not be charged to Accounts in the 
following states: AL, CA, CO, IL, KY, LA, MD, MN, MO, MT, NJ, NM, NV, NY, 
OH,	PA,	TX,	WA	and	WV.	After	the	first	6	billing	cycles,	a	monthly	Account	
Maintenance Fee of $7 may be charged on your Account in AZ, DE, IA, ID, IN, 
KY, ME, MI, MS, NE, NH, ND, OR, SD, UT, WI and WY, and $5 in OK and VA. 
Your monthly Account Maintenance Fee in TN will be $2.50 if your credit limit 
is more than $1,250. In FL, GA, NC, and SC your Account Maintenance Fee 
will be $5 and will be charged if your Annual Percentage Rate is not higher 
than 15%. If you are charged an Account Maintenance Fee, you will receive a 
credit against it of the lesser of $5 ($3 in FL, GA, NC, SC, OK and VA) or the 
amount of the Account Maintenance Fee applicable to your Account in any 
month in which a preauthorized ISPC AutoPay payment is made. If you are 
charged an Account Maintenance Fee, you will receive a credit against your 
Account Maintenance Fee of the lesser of $2 or the amount of your Account 
Maintenance Fee in any month in which you choose to receive your billing 
statement online at www.theispc.com rather than your billing statements being 
mailed to you.
ANNUAL FEES: 	After	the	first	12	billing	cycles	of	your	Account,	we	may	charge	
you an Annual Fee of $25 on your Account. No annual fees will be charged 
to residents of AR, CA, IA, KY, LA, MI, MN, MT, ME, NJ, NM, OK, OR, SC, 
TN, WV, and WY.  In OH, NV, and IL your Annual Fee will be $20. In NC your  
Annual Fee will be $24. In TX your annual fee will be $75 if your credit limit 
exceeds $5000, otherwise $50. In FL, VA, and GA you will be charged an  
Annual Fee of $25 if your Annual Percentage Rate is not higher than 15%. In 
MO and PA, your Annual Fee will be $50. If your Account is not in default at any 
time during the 12 billing cycles prior to the billing cycle in which the Annual 
Fee is charged to your Account, you will receive a credit for the amount of your 
Annual Fee. 
 
LATE CHARGES:  If we do not receive a payment from you in at least the amount 
of your minimum payment due by the Payment Due Date shown on your billing 
statement, we may charge you a Late Payment Fee according to the amounts 
shown below. Grace periods vary by state and your applicable grace period, 
if any, will also show on your billing statement. Late Payment Fees will not be 
charged until the expiration of your applicable grace period. No Late Payment 
Fees	will	be	charged	prior	to	the	first	day	of	the	month	following	your	Payment	
Due Date.
RETURNED PAYMENT FEES:  If any check or electronic payment is returned  
unpaid, subject to applicable law, you will pay a Returned Payment Fee of:ISPC REVOLVING CREDIT ACCOUNT DISCLOSURES
(Florida Law Applies )
THIS IS YOUR AGREEMENT. PLEASE READ IT AND KEEP IT FOR YOUR RECORDS. 
This ISPC Revolving Credit Account Agreement (the �Credit Account  
Agreement� or the �Agreement�) contains the terms and conditions of your 
ISPC Revolving Credit Account (called your �Account� in this Agreement). As 
used in this Agreement, the words �you� and �your� mean each person who  
applied for the Account and �we�, �us� and �our� mean The Independent Savings  
Plan Company doing business as ISPC. This Agreement will be binding on 
both you and us if we approve your Application for an Account. You can use 
your Account to purchase goods, services, parts and repairs from participating 
ISPC	retailers	and	directly	from	ISPC,	if	and	when	offered,	as	well	as	cash	  
advances up to the full amount of your credit limit. If more than one person 
signed the Application for your Account, each of you is responsible individually 
and together for all obligations and amounts due under this Agreement.
HOW WE WILL CALCULATE YOUR BALANCE:  We use a method called �average  
daily balance (including new transactions).� See below in this Account  
Agreement for more details.
BILLING RIGHTS:  Information on your rights to dispute transactions and how to 
exercise those rights is provided below in this Account Agreement.
YOU PROMISE TO PAY:  You will owe us all amounts charged on the Account plus 
interest charges and the other charges as provided for in this Agreement. You 
promise to pay us for all amounts owed to us under this Agreement.
INTEREST CHARGE RATES:  Interest is payable on your Account at the standard 
APR of 18%, which is equal to a daily periodic rate of .0493%  with the following 
exceptions: Arkansas APR of 17% and daily periodic rate of .0465% ; Nebraska 
and New York APR of 16% and daily periodic rate of .0438% ; New Mexico and 
North Carolina APR of 15% and daily periodic rate of .0411% ; North Dakota 
APR of 7% and daily periodic rate of . 0192% ; and Georgia APR of 17.5%  and 
a daily periodic rate of .0479% . The standard APR and daily periodic rate on 
your Account is the same for purchases and cash advances, although it may 
be	different	for	purchases	subject	to	special	promotions.
In no event shall the amount of interest due or payable under this Agreement 
exceed the maximum rate of interest allowed by applicable law, as amended 
from time to time, and in the event any such payment includes any excess 
interest, then such excess sum shall be credited as a payment of principal 
in reduction of the balance due under your Account. Florida accounts are  
governed by Fla. Stat. Chapter 520 and the parity provisions in Fla. Stat. 
�687.12.INTEREST RATES AND INTEREST CHARGES
ANNUAL PERCENTAGE 
RATE (APR)
FOR PURCHASES AND 
CASH ADVANCES7% to 18%. APR varies by state. See INTER -
EST CHARGE RATES paragraph below for 
more information.
PENALTY INTEREST
PAYING INTERESTNONE
There is no grace period before we charge 
interest, except if required by applicable state 
law. We will begin charging interest on your 
purchases and cash advances starting on the 
date we fund your transaction. 
MINIMUM INTEREST 
CHARGENONE
5 Day Grace Period
TN  Greater of 5% of the unpaid amount of the installment or $15
IA $15
NE, NH, OR, SD, WI $20
ND $5
VA 5% of the amount of the installment payment
MT Greater of $15 or 5% of the amount past due, not to exceed $50.
ID, KY, MI Greater of $15 or 5% of the monthly payment due.
UT Greater of $30 or 5% of the delinquent unpaid amount of the  
 installment.
MD Greater of $5 per month or 10% per month of payment amount 
 past due.
7 Day Grace Perio d
AZ 5% of monthly payment due
10 Day Grace Period
IN $18.50
FL, NJ, DE, NY $10
CO, LA $15
GA $25
IL 5% of the monthly payment past due
WV 5% of the monthly payment past due not to exceed $15
SC 5% of the monthly payment past due not to exceed $17.50
WA 10% of the monthly payment past due
MN Greater of 5% of the amount of the monthly payment or $7.80.
OK Greater of 5% of the payment amount due or $24
OH Greater of 5% of the payment amount due or $5
WY Greater of 5% of the unpaid amount of the installment or $10
TX Lesser of $15 or 5% of the monthly payment.
KS Lesser of 5% of the payment due or $25
15 Day Grace Period
ME $10
PA Greater of $10 or 10% of each payment past due
MS Greater of 4% of the amount of the delinquency or $5
MO Greater of 5% of each installment or minimum payment due or 
 $15, not to exceed $50
30 Day Grace Period
NC $5 on accounts having an outstanding balance of less than $100
 and $10 on accounts having an outstanding balance of $100 or moreLATE CHARGES BY STATE
ACCOUNT  
MAINTENANCE FEE
ANNUAL FEE
CASH ADVANCE 
FEE
TELEPHONE 
PAYMENT FEE
PENALTY FEES:
Late Payment
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau$0 for initial 6 months. $0 up to $7 per month ($84 
annually) each year after that. This fee will not be 
charged in those states where it is prohibited.  In 
those states where permissible, this fee will be 
charged in accordance with your state�s law. Please 
see the paragraph below regarding your state�s 
applicable provisions.
$0	for	the	first	year.	Up	to	$75	after	that.	Residents	
of states where the law prohibits or limits Annual 
Fees will be charged in accordance with their state 
law. Please see below.
Up to $10 or 5% of the amount of each cash  
advance, whichever is greater. 
This fee will not be charged in those states where it 
is prohibited.  In those states where permissible, this 
fee will be charged in accordance with your state�s 
law. Please see the paragraph below regarding your 
state�s applicable provisions.
Up to $10.  Residents of states where the law 
prohibits or limits Telephone Payment Fees will be 
charged in accordance with their state law. Please 
see below.
Up to the greater of $50 or 5% of the late payment. 
Up to $40. 
To learn more about factors to consider when  
applying for or using a credit card, visit the website 
of the Bureau of Consumer Financial Protection at 
http://www.consumerfinance.gov/learnmoreFEES
Returned PaymentResidents of states where the law prohibits or 
limits Late Fees and Returned payment fees will be 
charged in accordance with their state law. Please 
see below.
� ISPC 01.22  
U22.1 CUSTOMER COPY � ISPC 01.22  
U22.1Your	minimum	payment	may	be	calculated	differently	to	the	extent	a	portion	of	
your balance is subject to a special promotion.
SPECIAL PROMOTIONS: 	From	time	to	time	special	financing	terms	for	purchases	
may be available, such as extended interest-free periods and incentive interest 
rates.	This	may	be	limited	to	purchases	of	specific	goods	from	a	participating	
merchant. Special promotions that may currently be available are explained 
below.	Any	specific	special	promotion	relating	to	a	purchase	will	be	reflected	
on your charge slip.
ACCEPTING PAYMENT:  We can accept late or partial payments, as well as  
payments marked �paid in full� or with other restrictive endorsements, without 
losing any of our rights under this Agreement.
CANCELLATION:  You may close your Account to future purchases at any time 
by notifying us in writing. We may close or suspend your Account to future  
purchases at any time without prior notice. Regardless of the expiration, 
closing or suspension of your Account, you remain responsible for paying  
the amount you owe us according to the terms of this Agreement.
PAYMENT ALLOCATION: 	We	will	apply	your	payments	first	to	interest	charges,	
then to any other fees with the remainder of your payment being applied to the 
unpaid balance of your Account. Any payment on the unpaid balance of your 
Account will be applied to higher APR balances before lower APR balances.  
Applicable	law	may	require	or	permit	us	to	apply	payments	in	a	different	  
manner in certain situations, such as when your Account has a special  
promotion.
CHANGE IN TERMS:   We may change the terms of this Agreement from time to 
time in the future as permitted by applicable law. We may add terms, remove 
terms, or change existing terms, including the annual percentage rate. We will 
give you notice of any changed terms as required by applicable law.
SECURITY INTEREST:   YOU GRANT US A PURCHASE MONEY SECURITY 
INTEREST IN ALL GOODS PURCHASED THROUGH YOUR ACCOUNT, 
AND ITS PROCEEDS, INCLUDING INSURANCE PROCEEDS (THE  
�COLLATERAL�). OUR SECURITY INTEREST IN THE COLLATERAL 
CONTINUES UNTIL THE GOODS ARE PAID FOR AND THE ACCOUNT 
IS CLOSED. YOU AUTHORIZE US TO FILE OR RECORD (AND TO SIGN 
FOR YOU IF NECESSARY) ANY FINANCING STATEMENTS OR OTHER 
DOCUMENTS WE DEEM NECESSARY TO PERFECT AND PROTECT OUR 
SECURITY INTEREST IN THE COLLATERAL, INCLUDING A FIXTURE  
FILING UNDER THE UNIFORM COMMERCIAL CODE. TO THE EXTENT 
THE COLLATERAL IS OR IN THE FUTURE MAY BE DEEMED TO BE A FIXTURE, OUR  
SECURITY INTEREST ONLY EXTENDS TO THE COLLATERAL. THIS MEANS THAT 
OUR SECURITY INTEREST IN THE COLLATERAL IS NOT, AND WILL NOT BE, A  
SECURITY INTEREST OR LIEN UPON YOUR DWELLING, WHERE THE COLLATERAL IS 
LOCATED. YOU AGREE THAT YOU WILL NOT REMOVE OR RELOCATE THE  
COLLATERAL WITHOUT OUR PRIOR WRITTEN APPROVAL. YOU WILL 
BE RESPONSIBLE FOR ANY LOSS OR DAMAGE TO THE COLLATERAL 
OR YOUR DWELLING, WHERE THE COLLATERAL IS LOCATED, AS A  
RESULT OF YOUR REMOVAL OR RELOCATION OF THE COLLATERAL.
NOTICE OF YOUR CHANGES:  You agree to give us prompt notice of any change 
in your name, mailing address or telephone number or place of employment. 
Until we receive notice of your new address, we may continue to send billing 
statements and other notices to the address you gave us on the Application 
for this Account. 
DEFAULT : You agree that you will be in default if: (a) you fail to pay the minimum 
payment by the payment due date; (b) you fail to perform any of your other  
obligations provided in this Agreement; (c) you become bankrupt or insol -
vent; (d) you die or are declared incompetent; or (e) you provided us false or  
misleading information relating to your credit application or Account.
REMEDIES:  You agree that upon your default, we may close your Account and 
demand immediate payment of your entire Account balance, after giving you 
any notice and opportunity to cure the default required by applicable law. 
In addition, you agree that we shall have all the rights of a secured creditor  
under the Uniform Commercial Code and other applicable law with respect to 
your Collateral. You agree to pay any expenses incurred in connection with 
the enforcement of our remedies upon default, including, without limitation, 
(a) repossession, repair and collection costs, and (b) our reasonable attorney 
fees, arbitration and court costs, and related fees to the extent permitted by 
applicable law.
ELECTRONIC DISCLOSURE:  You agree that any notices and disclosures related 
to your Account can be delivered to you in printed form or by electronic means 
if you provided an electronic mail address to us when you applied for your 
Account or at a later date. Until we receive notice of a new electronic mail  
address, we may continue to send such notices and disclosures to the  
electronic mail address you most recently provided to us.
YOUR TELEPHONE NUMBER; E-MAIL:  You expressly consent to be contacted  
by	us,	our	agents,	representatives,	affiliates,	or	anyone	calling	on	our	  
behalf for any and all purposes arising out of or relating to your Account, at any  
telephone number, physical or electronic address you provide, or numbers 
we can reasonably associate with your account (through skip trace, caller 
ID capture, or other means). All signatories to this Agreement agree we may  
contact them in any way, including SMS messages (text messages), calls  
using	prerecorded	messages	or	artificial	voice,	and	calls	and	messages	  
delivered using auto telephone dialing system or an automatic texting system.  
Automated messages may be played when the telephone is answered, whether  
by you or someone else. In the event that an agent or representative calls, he 
or she may also leave a message on your answering machine, voice mail, or 
send one via text. 
You certify, warrant, and represent that the telephone numbers provided to 
us are your numbers and not someone else�s. You represent that you are  
permitted to receive calls at each of the telephone numbers have provided 
to us. You agree to notify us whenever you stop using a particular telephone 
number. Standard text messaging and/or calling charges may apply. We may 
also contact you by email using the email address that you provide to us. The 
Parties agree that this is a bargained-for exchange and, subject to applicable  
law, this consent may not be revoked without written agreement of both  
parties.
  USE OF ACCOUNT:  You can use your Account to pay for your purchase of goods 
and services as well as cash advances on your Account as long as (1) you 
are	not	in	default,	(2)	your	financial	condition	has	not	materially	or	adversely	  
changed, (3) we have not been provided information by third parties that  
indicates	serious	charge-offs	or	delinquencies	on	your	accounts	with	other	  
creditors, and (4) the transaction will not result in your credit limit being  
exceeded.
CREDIT LIMIT:  Your Account credit limit will be shown on every billing statement.  
We may increase your credit limit at our sole discretion or decrease it at any 
time, without prior notice to you if you do any of the following: default on your 
Account,	join	a	credit	counseling	service,	file	for	bankruptcy	or	your	home	
is being foreclosed upon, tell us that you intend to not make your payments,  
request to modify our terms, place our security interest in question or your 
credit score is reduced.
CASH ADVANCES:  If cash advances are available in your state, you may request 
a cash advance by either going to our secure website at www.theISPC.com 
or calling us at 1-800-345-4772. Requested cash advances will be funded 
by our either electronically depositing the cash advance into your designated 
bank account by an automated clearing house transfer (ACH) or sending you 
a check. Cash advances are subject to limitations on maximum amount and 
frequency, and additional fees as follows:  In TX, fees will be $2 or 2% of the 
cash advance, whichever is greater.  In all other states, where allowed by state 
law, fees will be $10 or 5% of the cash advance, whichever is greater.  
BILLING STATEMENT:  We will send you a billing statement each month that 
there is activity on your Account. Your billing statement will show pertinent  
information about your Account. 
PAYMENT:  You must pay at least the total minimum payment due on your  
account by 5:00 p.m. (Eastern Time) on the due date of each billing cycle. 
Payments received after 5:00 p.m. (Eastern Time) will be credited as of the 
next day. You may at any time pay your entire unpaid balance or pay more 
than the minimum payment due on your Account. This will reduce your interest 
charges. If your payment due date falls on a date that we do not receive or 
accept payments by mail (including weekends and holidays), then we will not 
treat the payment received the next business day as late. All payments must 
be drawn on U.S. dollars on deposit in the United States. Payments must be 
sent to us at the address designated on your billing statement. 
PLACE OF PAYMENT:  You agree to send payments to us in Florida at our  
address at 17633 Gunn Hwy, PMB 122, Odessa, Florida 33556-1912. Please 
also see the below provision that Florida law governs this Agreement and all  
transactions arising out of or relating to this Agreement, and that the location 
for the resolution of any disputes shall be in Florida.
ISPC AUTOPAY:  You can choose to make your payments by using ISPC  
AutoPay. There is no charge for using ISPC AutoPay. You can sign up for ISPC 
AutoPay now by completing the attached ISPC AutoPay Authorization. You 
can	also	sign	up	for	ISPC	AutoPay	at	any	time	that	your	Account	is	in	effect	by	
going to ISPC�s website at www.theISPC.com or by contacting ISPC Customer  
Service at 1-800-345-4772. You can cancel your ISPC AutoPay Authorization 
at any time. If you use ISPC AutoPay, your Account Maintenance Fee may be 
reduced as explained above. 
 
INTEREST CHARGE CALCULATION: 	We	figure	the	amount	of	your	interest	by	  
applying the applicable daily periodic rate to the average daily balance of 
your account. We then multiply the result by the number of days in the billing  
cycle. A separate daily balance is calculated for purchases, cash advances and  
balances	subject	to	different	APRs	and	special	promotions.	
To get the �average daily balance�, we take the beginning balance of your 
account each day in the billing cycle, add any new purchases, cash advances  
and other debits (other than late fees, returned payment fees, monthly  
maintenance fees, annual fees and other fees) and subtract payments or  
credits. This gives us the daily balance. Purchases and cash advances are 
added to the daily balance as of the date we fund the transaction. Then, 
we add up the daily balances for the billing cycle and divide the total by the  
number of days in the billing cycle. This gives us the �average daily balance.� 
Minimum Payment. Your minimum payment will be equal to the sum of: 
1.  The greater of: (a) $15, (b) 2% of the highest balance on your Account 
since it was last zero, or (c) your entire New Balance shown on your billing 
statement, if it is $15 or less; PLUS
2.  Any Account Maintenance Fee; PLUS
3.  Any amount past due. 
CUSTOMER COPYNV $10 or the amount of charges imposed on us.
MS, VA $15
MD $15 for payment made with a check that is dishonored
 on the second presentment.
IA, ID, NJ, NY, OH, UT $20
CO, IL, IN, MI, MO, 
NC, NH, OK, WV $25
AZ, DE, ME, NE, WA, WI,  
AR, KS, MN, SC, TN, TX, WY $30
ND, OR $35
SD $40
FL Bank fees actually incurred plus a service charge of $25 
 if the face value does not exceed $50; $30 if the face value 
 exceeds $50 but does not exceed $300; $40 if the face 
 value exceeds $300; or 5% of the face value of the payment 
 instrument, whichever is greater.
LA Greater of $25 or 5% of the amount of the instrument.
KY Greater of $25 or the amount passed on from other 
	financial	institutions.
GA Greater of $30 or 5% of the amount of the instrument.
NM, PA We preserve our civil remedies under state law.RETURNED PAYMENT FEES BY STATE � ISPC 01.22  
U22.1ERRORS IN CREDIT REPORTING INFORMATION:  We may report information about 
your Account to credit reporting agencies. If you believe we have reported 
inaccurate information about you to a credit reporting agency, please contact 
us by mail at ISPC, 1115 Gunn Highway, Suite 100, Odessa, FL 33556 or by 
fax at 813-403-5050 and identify the inaccurate information and tell us why 
you believe it is incorrect.
GOVERNING LAW AND PERSONAL JURISDICTION � FLORIDA:  You agree that 
this Account Agreement and all transactions arising out of or related to this  
Agreement, including the resolution of any and all disputes under the  
Agreement, are governed by Florida law, without regard to any choice of law 
principles. You further agree that Florida�s courts have personal jurisdiction  
over you for any claims arising out of or related to this Account Agreement, 
unless subject to binding arbitration, as described below, or unless we  
pursue our rights in any Collateral, in which event the law of the state where the  
Collateral	is	located	will	govern	your	and	our	rights.	You	hereby	specifically	
consent to appear in the courts of the state of Florida, and agree that this 
Agreement, as well as any other contacts you have had with the state of  
Florida,	are	sufficient	notice	that	you	reasonably	anticipate	that	Florida	will	
be the proper forum for the resolution of any disputes under the Account  
Agreement.
RESTRICTIONS ON VENUE, JURISDICTION AND APPLICABLE LAW:  In the event this 
Agreement�s provisions on choice of law, jurisdiction, and/or venue are incon -
sistent	with	your	state�s	requirements,	then	your	state�s	provisions	in	effect	
at the time you signed the Agreement or at the time of enforcement of the 
Agreement will control.
ENTIRE AGREEMENT:  This Agreement supersedes any and all other prior  
understandings and agreements, either oral or in writing, between the parties  
with respect to the account. Each party to this Agreement acknowledges  
that no representations, inducements, promises, or agreements, orally or  
otherwise, have been made by any party or by anyone acting on behalf of any 
party, which are not embodied in this Agreement and that any agreement, 
statement or promise that is not contained in this Agreement shall not be valid 
or	binding	or	of	any	force	or	effect.	This	Agreement	may	not	be	modified	orally.
ENFORCEABILITY:  If any part of this Agreement is found to be void or  
unenforceable, all other parts of this Agreement will still apply.
DELAY IN ENFORCEMENT IS NOT WAIVER:  Our rights under this Agreement will 
not be prejudiced by any delay in exercising them or by any other act done or 
omitted by us which but for this clause might have been deemed a waiver of 
such rights nor will any exercise of any such right preclude any further exercise 
of such right or any other right.
WAIVER OF JURY TRIAL:  EACH PARTY IRREVOCABLY AND UNCONDITION -
ALLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE 
LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL  
ACTION, PROCEEDING, CAUSE OF ACTION OR COUNTERCLAIM  
ARISING OUT OF OR RELATING TO THIS AGREEMENT, INCLUDING 
ANY EXHIBITS, SCHEDULES, AND APPENDICES ATTACHED TO THIS 
AGREEMENT, OR THE TRANSACTIONS CONTEMPLATED HEREBY.  
EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT (A) NO  
REPRESENTATIVE OF THE OTHER PARTY HAS REPRESENTED,  
EXPRESSLY OR OTHERWISE, THAT THE OTHER PARTY WOULD NOT 
SEEK TO ENFORCE THE FOREGOING WAIVER IN THE EVENT OF A 
LEGAL ACTION, (B) IT HAS CONSIDERED THE IMPLICATIONS OF THIS 
WAIVER, (C) IT MAKES THIS WAIVER KNOWINGLY AND VOLUNTARILY,  
AND (D) IT HAS DECIDED TO ENTER INTO THIS AGREEMENT IN  
CONSIDERATION OF, AMONG OTHER THINGS, THE MUTUAL WAIVERS 
AND CERTIFICATIONS IN THIS SECTION.
ARBITRATION
IF YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING 
ACT, THE FOLLOWING ARBITRATION AGREEMENT DOES NOT APPLY 
TO YOU. 
PLEASE READ THESE PROVISIONS CAREFULLY. THEY PROVIDE THAT 
ANY DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT  
MUST BE RESOLVED BY BINDING ARBITRATION. ARBITRATION  
REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A 
JURY TRIAL, AND THE RIGHT TO INITIATE OR PARTICIPATE IN A CLASS 
ACTION OR SIMILAR COLLECTIVE OR CONSOLIDATED PROCEEDINGS,  
WHICH YOU HEREBY WAIVE. IN ARBITRATION, A DISPUTE IS  
RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY, AND 
THE ARBITRATOR�S DECISION IS FINAL AND BINDING. ARBITRATION  
PROCEEDINGS ARE SIMPLER AND MORE LIMITED THAN COURT  
PROCEEDINGS.
AGREEMENT TO ARBITRATE:  Any disputes, claims, or controversies arising out 
of or in any way related to this Agreement or the breach thereof, including any 
disputes, claims, or controversies related to the applicability, interpretation,  
validity, arbitrability, or enforcement of this Agreement to Arbitrate (the  
�Arbitration Agreement�), shall be resolved through mandatory, binding  
arbitration.  
EXCLUDED CLAIMS:  Despite this Arbitration Agreement, any lawful self-help 
remedies we may exercise, such as repossession of collateral, as well as  
garnishment and/or replevin and/or other post-judgment collection and  
enforcement	efforts	are	excluded	from	this	Arbitration	Agreement.	Additionally,  
the AAA Consumer Arbitration Rules (Rule R-9) provide that if the claim is 
within the jurisdiction of a small claims court, either party may choose to take 
the claim to that court instead of arbitration.
INITIATING ARBITRATION: 	In	order	to	start	arbitration,	either	party	must	first	  
notify	the	other	in	writing	that	it	wishes	to	arbitrate	a	dispute.	This	notification	
must	briefly	explain	the	dispute,	specify	the	amount	of	money	involved,	and	
state what relief is being sought (the �Claim�). The Claim will then be referred 
to the American Arbitration Association (AAA) (www.adr.org), at the option 
of	the	party	first	electing	arbitration.	The	provisions	of	the	Federal	Arbitration	
Act, 9 U.S.C. �� 1-16 (FAA) govern. You and we agree that the FAA applies 
to this Arbitration Agreement and shall be interpreted in the broadest way the 
law will allow.PROHIBITION AND WAIVER OF CLASS ACTIONS AND CONSOLIDATED ACTIONS:  
There shall be no right or ability for you to pursue any claims or matters within 
the scope of or arising out of this Agreement or this Arbitration Agreement 
as a class action or on a class-wide, consolidated, or collective basis, which  
prohibition and waiver extends to any actions brought for damages or equitable 
relief. Additionally, the claims of more than one person may not be arbitrated or 
litigated jointly or consolidated with any other individual�s claims.  
ARBITRATION PROCEDURES:  This Arbitration Agreement is governed by the 
FAA. The Claim will be resolved pursuant to this Arbitration Agreement and 
the	Consumer	Rules	then	in	effect	of	the	AAA,	except	where	those	rules	  
conflict	with	this	Agreement.		
 
Both you and we agree to the use of a single arbitrator, preferably through 
mutual agreement. If agreement cannot be reached on the selection of an  
arbitrator, you and we agree that the selection will be made by the arbitration  
organization being utilized. The arbitrator will apply the substantive law,  
statutes of limitation, and privileges deemed applicable to the dispute. The 
arbitrator will not apply any federal or state rules of civil procedure or evidence  
in matters relating to evidence or discovery. Except as described in the  
Prohibition and Waiver of Class Actions and Consolidated Actions, the  
arbitrator may award any relief otherwise available in court. The arbitration will 
be	confidential,	but	you	may	notify	any	governmental	authority	of	your	claim,	
if	you	deem	that	appropriate.	The	arbitrator�s	award	will	be	final	and	binding,	
except for any right of appeal provided under the FAA. Judgment on the award 
rendered by the arbitrator may be entered in any court having jurisdiction  
within the state of Florida.
 
For any arbitration hearing requested, it will be held at a location that is  
reasonably convenient to you and us, with due consideration of the parties� 
ability to travel and other pertinent circumstances. If you and we cannot agree 
on a location, the determination shall be made by the arbitration organization 
or arbitrator selected to resolve the dispute. 
 
ARBITRATION FEES, ATTORNEY�S FEES, COSTS, AND VENUE:  Subject to applicable  
law and the governing provisions of the AAA�s Consumer Rules, you will be  
responsible	for	paying	your	share	of	any	arbitration	fees	(including	filing,	  
administrative, hearing or other fees), but only up to the amount of the  
filing	fees	you	would	have	incurred	if	you	had	brought	a	claim	in	court.	We	will	
be responsible for any additional arbitration fees. The prevailing party in any 
arbitration shall be entitled to recover reasonable costs and attorney�s fees, 
with the arbitrator making the determination as to which party prevailed and 
what amount of attorney�s fees is reasonable. The prevailing party in any small 
claims litigation permitted under the AAA Consumer Rules shall be entitled to 
recover reasonable costs and attorney�s fees. Venue in any such small claims 
litigation permitted under the AAA Consumer Arbitration Rules shall be in  
Hillsborough County, Florida.
 
SEVERABILITY:  This Arbitration Agreement will survive the termination of this 
Agreement. If any part or parts of this Arbitration Agreement are found to 
be invalid or unenforceable by a decision of a court or tribunal of competent  
jurisdiction,	then	such	part	or	parts	shall	be	of	no	force	and	effect	and	shall	be	
severed, but the remainder of this Arbitration Agreement shall continue in full 
force	and	effect.
 
SPECIAL PROMOTION PLANS:  Special promotion plans that currently may be 
available for purchases are listed below. However, limitations apply. These 
special promotion plans may not be available from time to time or may not 
be	offered	for	purchases	from	all	merchants.	Other	special	promotion	plans	
may be available from time to time. If an Account that includes one or more 
purchases subject to a special promotion plan becomes 60 days or more 
past due, then all special promotions shall terminate and the entire unpaid  
balance of the Account will be subject to the regular terms and conditions in 
this Account Agreement (Code REG). Purchases subject to SUNWISE special  
promotion plans may be divided into more than one balance and may be treated  
similarly as more than one purchase. Not all promotions are available in every 
state.
 13.99% APR/REDUCED MINIMUM PAYMENT:  The APR on your purchase is 
 reduced to 13.99% (.0383% daily rate) and the minimum payment is 
 reduced to 1.5% of the highest balance on your Account since it was last 
 zero. All other regular terms and conditions in the Account Agreement 
 apply. (Code 1399)
 9.9% APR/REDUCED MINIMUM PAYMENT:  The APR on your purchase is 
 reduced to 9.9% (.0271% daily rate) and the minimum payment is reduced 
 to 1.2% of the highest balance on your Account since it was last zero. All 
 other regular terms and conditions in the Account Agreement apply. (Code 
 9912)
 9.9% APR/LOWEST MINIMUM PAYMENT:  The APR on your purchase is 
 reduced to 9.9% (.0271% daily rate) and the minimum payment is reduced 
 to 1% of the highest balance on your Account since it was last zero. All 
 other regular terms and conditions in the Account Agreement apply. (Code 
 991)
 8.9% APR/REDUCED MINIMUM PAYMENT:  The APR on your purchase is reduced 
 to 8.9% (.0244% daily rate) and the minimum payment is reduced to 1.25% 
 of the highest balance on your Account since it was last zero.  All other 
 regular terms and conditions in the Account Agreement apply. (Code 8912)
 NO PAYMENTS FOR 3 MONTHS:  No payments will be due on your purchase 
 until 3 months after the date we fund your purchase. Interest is being 
 charged during this deferment period. Thereafter, your purchase will be 
 subject to the regular terms and conditions in the Account Agreement. This 
 plan may be added to the following other plans by adding �-3� to the Code:  
 REG, 1399, 991, 8912.
 NO PAYMENTS FOR 6 MONTHS:  No payments will be due on your purchase 
 until 6 months after the date we fund your purchase. Interest is being 
 charged during this deferment period. Thereafter, your purchase will be 
 subject to the regular terms and conditions in the Account Agreement. This 
 plan may be added to the following other plans by adding �-6� to the Code:  
 REG, 1399, 991, 8912.
 NO INTEREST/PAYMENTS FOR 180 DAYS:  No interest will be charged and no 
 payments will be due on your purchase until 180 days after the date we 
 fund your purchase. Thereafter, your purchase will be subject to the regular 
 terms and conditions in the Account Agreement. This plan may be added to 
 the following other plans by adding �-6NN� to the end of the Code:  REG, 
 1399, 991, 8912.
CUSTOMER COPY � ISPC 01.22  
U22.1CUSTOMER COPY 6.9% APR/REDUCED MINIMUM PAYMENT:  For 12 months after the date we fund 
 your purchase the APR on your purchase is reduced to 6.9% (.0189% daily 
 rate) and the minimum payment is reduced to 1% of the highest balance on 
 your Account since it was last zero. Thereafter, your purchase will be 
 subject to the 1399 promotional plan terms and conditions in the Account 
 Agreement. The code for this combined plan is 1399-691.
 0% APR FOR 1 YEAR:  The APR on your purchase is reduced to 0% (.000% 
 daily rate) for 12 months after the date we fund your purchase and the 
 minimum payment is increased to 8.34% of the highest balance on your 
 Account since it was last zero. All other regular terms and conditions in the 
 Account Agreement (including the APR after 12 months) apply. (Code 
 0834)
 0% APR FOR 3 YEARS:  The APR on your purchase is reduced to 0% (.000% 
 daily rate) for 36 months after the date we fund your purchase and the 
 minimum payment is increased to 2.78% of the highest balance on your 
 Account since it was last zero. All other regular terms and conditions in the 
 Account Agreement (including the APR after 36 months) apply. (Code 
 0278)
 SUNWISE (430) DELAYED PAYMENTS AND ACCRUED INTEREST:  Payments toward 
 your purchase shall not be required until after the Expiration Date of 
 the delayed payment period. The Expiration Date shall be April 30th of 
 the calendar year immediately after the calendar year that your purchase 
 is installed. Interest shall accrue from the beginning of the delayed payment 
 period and shall be applied to your Account after the Expiration Date. If 
 your purchase is paid before or by the Expiration Date, no accrued interest 
 shall be added to your balance. (Code 430SW)
 SUNWISE (365) DELAYED PAYMENTS AND ACCRUED INTEREST:  Payments toward 
 your purchase shall not be required until after the Expiration Date of the 
 delayed payment period. The Expiration Date shall be 12 months after 
 the date we fund your purchase. Interest shall accrue from the beginning 
 of the delayed payment period and shall be applied to your Account after 
 the Expiration Date. If your purchase is paid before or by the Expiration 
 Date, no accrued interest shall be added to your balance. (Code 365SW)
 
 SUNWISE 8.8% APR/REDUCED MINIMUM PAYMENT:  The APR on your purchase 
 is reduced to 8.8% (0.0241 daily rate) and the minimum payment is reduced 
 to 0.8% of the highest balance on your Account since it was last zero. All 
 other regular terms and conditions in the Account Agreement apply. (Code 
 88SW)
NOTICE TO SOUTH DAKOTA RESIDENTS:  Any improprieties in making this 
loan or loan practices may be referred to the South Dakota Division 
of Banking, South Dakota Department of Labor and Regulation, 1601 
N. Harrison Avenue, Suite 1, Pierre, SD 57501, Phone: 605.773.3421
NOTICE TO TEXAS RESIDENTS:  For questions or complaints about this loan,  
contact ISPC at 1-800-345-4772 ext. 1800 or at www.theispc.com. The lender 
is	licensed	and	examined	under	Texas	law	by	the	Office	of	Consumer	Credit	
Commissioner (OCCC), a state agency. If a complaint or question cannot be 
resolved	by	contacting	the	lender,	consumers	can	contact	the	OCCC	to	file	a	
complaint or ask a general credit-related question. OCCC address: 2601 N. 
Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-
7610. Website: www.occc.texas.gov. E-mail: consumer.complaints@occc.
texas.gov.
MILITARY LENDING ACT:  Federal law provides important protections to members 
of the Armed Forces and their dependents relating to extensions of consumer  
credit. In general, the cost of consumer credit to a member of the Armed Forces  
and his or her dependent may not exceed an annual percentage rate of 36  
percent. This rate must include, as applicable to the credit transaction or  
account: the costs associated with credit insurance premiums; fees for ancillary  
products sold in connection with the credit transaction; any application fee 
charged and any participation fee charged (other than certain participation 
fees for a credit card account). You may also obtain an oral disclosure by  
calling 1-800-345-4772 ext. 1816.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 Find A Mistake On Your Statement
If you think there is an error on your statement or if you need more information 
about a transaction on your bill, write to us as soon as possible (We must hear 
from you no later than 60 days	after	we	sent	you	the	first	bill	on	which	the	error	
occurred) at:
ISPC
Attention: Customer Service Department
1115 Gunn Highway, Suite 100
Odessa, FL 33556
You may also contact us on the Web: www.theISPC.com
You may telephone us but doing so will not preserve your rights.
In your letter, give us the following information:
� ACCOUNT INFORMATION:  Your name and 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.
If you have authorized us to pay your credit card bill automatically from your 
savings or checking account, you can stop the payment on any amount you 
think is wrong. To stop the payment your letter must reach us three  
business days before the automatic payment is scheduled to occur.
Your Rights and Our Responsibilities After We Receive Your Written  
Notice
We must acknowledge your letter within 30 days, unless we have corrected 
the error by then. Within 90 days, we must either correct the error or explain 
why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, 
or report you as delinquent. We can continue to bill you for the amount you 
question,	including	finance	charges,	and	we	can	apply	any	unpaid	amount	
against your credit limit. You do not have to pay any questioned amount while 
we are investigating, but you are still obligated to pay the parts of your bill that 
are not in question.
If	we	find	that	we	made	a	mistake	on	your	bill,	you	will	not	have	to	pay	any	  
finance	charges	related	to	any	questioned	amount.	If	we	didn�t	make	a	mistake,	  
you	may	have	to	pay	finance	charges,	and	you	will	have	to	make	up	any	
missed payments on the questioned amount. In either case, we will send you a  
statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as  
delinquent. However, if our explanation does not satisfy you and you write to 
us within ten days telling us that you still refuse to pay, we must tell anyone we 
report you to that you have a question about your bill. And, we must tell you the 
name of anyone we reported you to. We must tell anyone we report you to that 
the	matter	has	been	settled	between	us	when	it	finally	is.
If	we	don�t	follow	these	rules,	we	can�t	collect	the	first	$50	of	the	questioned	
amount, even if your bill was correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you have a problem with the quality of property or services that you  
purchased with a credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining 
amount due on the property or services.
There are two limitations on this right:
 a) You must have made the purchase in your home state or, if not within 
  your home state within 100 miles of your current mailing address; 
  and
 b) The purchase price must have been more than $50.
These limitations do not apply if we own or operate the merchant, or if we 
mailed you the advertisement for the property or services. If all of the criteria 
above	are	met	and	you	are	still	dissatisfied	with	the	purchase,	contact	us	in	
writing or electronically at:
ISPC
Attention: Customer Service Department
1115 Gunn Highway, Suite 100
Odessa, FL 33556 
contactus@theISPC.com