ISPC REVOLVING CREDIT ACCOUNT DISCLOSURES
THIS IS YOUR AGREEMENT. PLEASE READ IT AND KEEP IT FOR YOUR RECORDS. 

This ISPC Revolving Credit Account 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 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.

INTEREST RATES AND INTEREST CHARGES

ANNUAL PERCENTAGE RATE 
(APR)
FOR PURCHASES AND CASH 
ADVANCES

7% to 18%. APR varies by state. See INTEREST 
CHARGE RATES paragraph below for more 
information.

PENALTY INTEREST

NONE

PAYING INTEREST

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 CHARGE NONE

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.

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 Florida, Georgia, North Carolina, South Carolina, 
Oklahoma, and Virginia) 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-
kansas, California, Iowa, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, 
New Jersey, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, West Virginia, 
and Wyoming.  In Ohio, Nevada, and Illinois your Annual Fee will be $20. In North Car-
olina your Annual Fee will be $24. In Texas your annual fee will be $75 if your credit limit 
exceeds $5000, otherwise $50. In Florida, Virginia, and Georgia you will be charged an 
Annual Fee of $25 if your Annual Percentage Rate is not higher than 15%. In Missouri and 
Pennsylvania, 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 state-
ment. 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.

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 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. § 655.954 and the parity provisions in Fla. 
Stat. § 687.12.

ACCOUNT MAINTENANCE 
FEE

ANNUAL FEE

CASH ADVANCE FEE

TELEPHONE PAYMENT FEE

PENALTY FEES:
Late Payment

Returned Payment

FEES

$0 for initial 12 months. $0 up to $7 per month ($84 
annually) each year after that. Residents of states where 
the law prohibits or limits Account Maintenance Fees will 
be charged in accordance with their state law. Please 
see below. 

$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. Residents of states where the law 
prohibits or limits Cash Advance Fees will be charged in 
accordance with their state law. Please see below.
Up to $10.  Residents of states where the law prohibits or 
limits Telephone Payment Fees will be charged in accor-
dance with their state law. Please see below.
Up to the greater of $50 or 5% of the late payment. 

Up to $40. 

Residents 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.

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau

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/learnmore

ACCOUNT MAINTENANCE FEES:  After  the  first  6  billing  cycles,  a  monthly  Account  Mainte-
nance  Fee  of  $7  may  be  charged  on  your  Account  in  Arizona,  Delaware,  Iowa,  Idaho, 
Indiana, Kansas, Maine, Michigan, Mississippi, Nebraska, New Hampshire, North Dakota, 
Oregon, South Dakota, Utah, Wisconsin and Wyoming, and $5 in Oklahoma and Virginia. 
Your monthly Account Maintenance Fee in Tennessee will be $2.50 if your credit limit is 
more than $1,250. In Florida, Georgia, North Carolina, and South Carolina your Account 
Maintenance  Fee  will  be  $5  and  will  be  charged  if  your  Annual  Percentage  Rate  is  not 

LATE CHARGES BY STATE

5 Day Grace Period

TN  

IA 

Greater of 5% of the unpaid amount of the installment or $15

$15

NE, NH, OR, SD, WI  $20

ND 

VA 

MT 

$5

5% of the amount of the installment payment

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 

MD 

Greater of $30 or 5% of the delinquent unpaid amount of the 

installment.

Greater of $5 per month or 10% per month of payment amount 

past due.

7 Day Grace Period

AZ 

5% of monthly payment due

10 Day Grace Period

IN 

FL, NJ  

CO, LA 

GA 

NY, IL 

WV 

SC 

WA 

MN 

OK 

OH 

WY 

TX 

KS 

$5

$10

$15

$25

5% of the monthly payment past due

5% of the monthly payment past due not to exceed $15

5% of the monthly payment past due not to exceed $17.50

10% of the monthly payment past due

Greater of 5% of the amount of the monthly payment or $7.80.

Greater of 5% of the payment amount due or $24

Greater of 5% of the payment amount due or $5

Greater of 5% of the unpaid amount of the installment or $10

Lesser of $15 or 5% of the monthly payment.

Lesser of 5% of the payment due or $25

15 Day Grace Period

ME 

PA 

MS 

MO 

$10

Greater of $10 or 10% of each payment past due

Greater of 4% of the amount of the delinquency or $5

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 more

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RETURNED PAYMENT FEES: If any check or electronic payment is returned unpaid, subject 
to applicable law, you will pay a Returned Payment Fee of:

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.” 

NV 

MS, VA 

MD 

RETURNED PAYMENT FEES BY STATE

$10 or the amount of charges imposed on us.

$15

$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 

SD 

FL 

LA 

KY 

GA 

$35

$40

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.

Greater of $25 or 5% of the amount of the instrument.

Greater of $25 or the amount passed on from other 

financial institutions.

Greater of $30 or 5% of the amount of the instrument.

NM, PA 

We preserve our civil remedies under state law.

USE OF ACCOUNT: You can use your Account to pay for your purchase of goods and ser-
vices 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 no-
tice 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 maxi-
mum amount and frequency, and additional fees if applicable in your state. 

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  Ac-
count. 

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. 

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 Auto-
Pay 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 ap-
plicable 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 pro-
motions. 

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. 

Minimum Payment. Your minimum payment will be equal to the sum of: 
1.  The greater of: (a) $35, (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 $35 
or less; PLUS

2.  Any Account Maintenance Fee; PLUS
3.  Any amount past due. 

Your minimum payment may be calculated differently to the extent a portion of your bal-
ance 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 relat-
ing 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,  IN-
CLUDING  INSURANCE  PROCEEDS  (THE  “COLLATERAL”).  OUR  SECURITY  INTER-
EST 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 COM-
MERCIAL 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 IN-
TEREST 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 COLLAT-
ERAL.

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 insolvent; (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  to  future  pur-
chases 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 Com-
mercial 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 rea-
sonable 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 Ac-
count 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 

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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 answer-
ing 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.

ERRORS  IN  CREDIT  REPORTING  INFORMATION:  We  may  report  information  about  your  Ac-
count 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 High-
way, 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: The law of the state in which you reside that is listed on your Application 
for your Account will apply to this Account Agreement, even if you move to another state in 
the future. However, the law of the state in which any Collateral is located will apply to our 
rights in that Collateral, including recovery of that Collateral.

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, prom-
ises, 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 preju-
diced 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  UNCONDITIONALLY 
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 AGREE-
MENT,  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 DIS-
PUTE, EXCEPT FOR DISPUTES INVOLVING DAMAGES OR EQUITABLE CLAIMS IN 
COURTS OF LIMITED JURISDICTION FOR AMOUNTS NOT EXCEEDING $15,000 OR 
EXCLUDED  CLAIMS  (defined  below),  MUST  BE  RESOLVED  BY  BINDING  ARBITRA-
TION.  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.  IN ARBI-
TRATION, 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,  or  enforcement  of  this 
Agreement to Arbitrate (the “Arbitration Agreement”), shall be resolved through mandato-
ry, binding arbitration.  

EXCLUDED  CLAIMS:  Despite  this  Arbitration  Agreement,  either  party  retains  the  right  to 
seek relief for damages or equitable relief in a court of limited jurisdiction for amounts not 
exceeding $15,000. Also excluded from arbitration are lawful self-help remedies we may 
exercise, such as repossession of collateral, as well as garnishment and/or replevin. You 
may  assert  any  valid  defenses  to  any  Excluded  Claims,  but  any  claim  or  counterclaim, 

cross-claim, third-party claim, or other claim you may have for damages or equitable relief 
exceeding $15,000 must be arbitrated. Any exercise of self-help or judicial remedies de-
scribed in this section shall not be deemed a waiver of our right to arbitrate.
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 Judicial Arbitration and Mediation Services, 
Inc.  (JAMS)  (www.jamsadr.com),  or  the  American  Arbitration  Association  (AAA)  (www.
adr.org), at the option of the party first electing arbitration.  Claims also may be referred to 
another arbitration organization if you and we agree in writing, if either JAMS or AAA de-
cline to process the arbitration proceeding, or in any other event to an arbitrator appointed 
pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (FAA). 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  any  claims  or  matters  within  the  scope  of  this  Agreement  or  this 
Arbitration Agreement to be arbitrated or litigated on a class-wide, consolidated, or col-
lective basis, which prohibition and waiver extends to any actions brought for damages 
or equitable claims in a court of limited jurisdiction for amounts not exceeding $15,000. 
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 rules then in effect 
at AAA or JAMS, or the other selected organization’s rules in effect when the claim is filed, 
except where those rules conflict with this Agreement.   

Both you and we agree to the use of a single arbitrator, preferably through mutual agree-
ment. 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 ev-
idence 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.

For any arbitration hearing requested, it will be held at a location that is reasonably con-
venient  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, AND COSTS:  Subject  to  applicable  law,  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  shall  be  entitled  to  recover  reasonable  attorney’s  fees,  with 
the arbitrator making the determination as to which party prevailed and what amount of 
attorney’s fees is reasonable.

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.

FLORIDA  ACTIONS  AND  ARBITRATIONS:  Attorney’s  Fees.  For  any  Excluded  Claims  or  for 
any arbitration commenced within the state of Florida, venue shall be proper only in Hills-
borough or Pasco Counties. The prevailing party in any such action or abitration shall be 
entitled to have their reasonable attorney’s fees and costs paid by the other party.

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 mer-
chants. 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..

to  13.99% 

13.99%  APR/REDUCED  MINIMUM  PAYMENT:  The  APR  on  your  purchase 
is 
reduced 
is 
the  minimum  payment 
reduced  to  1.5%  of  the  highest  balance  on  your  Account  since  it  was  last 
the  Account  Agreement 
zero.  All  other 
apply. (Code 1399)

terms  and  conditions 

(.0383%  daily 

rate)  and 

regular 

in 

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%  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)

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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 
is  being 
fund  your  purchase. 
this  deferment  period.  Thereafter,  your  purchase  will  be 
charged  during 
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:  

the  date  we 

Interest 

  REG, 1399, 991, 8912.

NO  PAYMENTS  FOR  6  MONTHS:  No  payments  will  be  due  on  your  purchase 
is  being 
until  6  months  after 
fund  your  purchase. 
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:  

the  date  we 

Interest 

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.

  REG, 1399, 991, 8912.

In your letter, give us the following information:

INTEREST/PAYMENTS  FOR  180  DAYS:  No 

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.

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 
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.

it  was 

  minimum  payment 

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 
the  highest  balance  on  your 
to  8.34%  of 
Account  since  it  was  last  zero.  All  other  regular  terms  and  conditions  in  the 
(Code 
Account  Agreement 
0834)

the  APR  after  12  months)  apply. 

increased 

(including 

is 

required  until  after 

INTEREST:  Payments 

SUNWISE  (430)  DELAYED  PAYMENTS  AND  ACCRUED 
toward 
your  purchase  shall  not  be 
the  Expiration  Date  of 
the  delayed  payment  period.  The  Expiration  Date  shall  be  April  30th  of 
that  your  purchase 
the  calendar  year 
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)

the  calendar  year 

immediately  after 

SUNWISE  (365)  DELAYED  PAYMENTS  AND  ACCRUED 
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)

INTEREST:  Payments 

• 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. How-
ever, 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.

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)

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.

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. 1816 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 ap-
plicable 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

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

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.

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