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

15% to 18%. APR varies by state. 
See below disclosure for APR applicable 
to your Account.

APR FOR CASH 
ADVANCES

15% to 18%. APR varies by state. 
See below disclosure for APR applicable 
to your Account.

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.

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.

ACCOUNT 
MAINTENANCE FEE

ANNUAL FEE

CASH ADVANCE FEE

TELEPHONE
PAYMENT FEE

PENALTY FEES:
Late Payment

FEES

$0 for initial 12 months. $0 up to $7 
per month ($84 annually) each year 
after that. Account Maintenance Fees 
vary by state. See below disclosures for Account 
Maintenance Fee applicable to your Account.

$0 for first year. Up to $25 after that. 
Annual Fees vary by state. See below 
disclosures for Annual Fee applicable to your Account.

Up to either $10 or 5% of the amount 
of each cash advance, whichever is 
greater. Cash advance fees may vary 
by state. See below disclosures for cash advance 
fees applicable to your Account.

Up to $10 

Up to greater of 5% of payment or $50. 
Late charges vary by state. See below 
disclosures for late charge applicable to your Account.

Returned Payment

Up to $40. Returned Payment charges 
vary by state. See below disclosures for returned 
payment charge applicable to your Account.

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 Consumer 
Financial Protection Bureau at http://
www.consumerfinance.gov/learnmore

ANNUAL PERCENTAGE RATES:
18% for all states except 17% in Arkansas, 16% in Nebraska and 15% in North 
Carolina.

ACCOUNT MAINTENANCE FEES:
After  the  first  12  billing  cycles  of  your  Account,  a  monthly  Account 

Maintenance  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.  Your  monthly  Account  Maintenance  Fee  in 
Tennessee  will  be  $2.50  if  your  credit  limit  is  more  than  $1,250.  If 
we  can  charge  you  an  Account  Maintenance  Fee,  you  will  receive  a 
credit against it of the lesser of $5 or the amount of Account Maintenance Fee 
applicable  to  your  Account  in  any  month  in  which  a  preauthorized 
ISPC  AutoPay  payment  is  made.  If  we  can  charge  you  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, except in Arkansas, California, Florida, 
Georgia, Kentucky, Louisiana, Minnesota, Missouri, Montana, New Jersey, New 
Mexico,  Nevada,  New  York,  Tennessee,  Texas  and  Virginia.  In  Ohio  and 
Illinois your Annual Fee will be $20. In North Carolina your Annual Fee will be 
$24. However, 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.

UT 

Greater of $30 or 5% of unpaid minimum payment 

DE, GA, NE, OR, SD, WI   $25

KS 

OK 

SC 

WV 

TX 

Lesser of $25 or 5% of the unpaid minimum payment 

Greater $24 or 5% of the unpaid minimum payment 

Lesser of $17.50 or 5% of the unpaid min. payment

Lesser of $15 or 5% of the unpaid minimum payment 

Lesser of $30 or 5% of the unpaid minimum payment 

CO, IA, LA 

$15

ID, KY, MI, MO, TN 

Greater of $15 or 5% of unpaid minimum payment

MT 

WY 

Greater of $15 or 5% of the unpaid minimum 
payment (but not to exceed $50)

Greater of $10 or 5% of the unpaid min. payment

FL, ME, NJ 

$10

MN 

IN 

OH 

MS 

NC 

Greater of $7.80 or 5% of the unpaid min. payment

$5 

Greater of $5 or 5% of unpaid minimum payment 

Greater of $5 or 4% of the unpaid minimum payment 

$10 (if outstanding balance $100 or more)

WA, CA 

10% of unpaid minimum payment

AZ, IL, NY, VA 

5% of unpaid minimum payment

AR, NV, NM 

No fee

RETURNED PAYMENT FEES: If any check or electronic payment is returned 
unpaid, you will pay a Returned Payment Fee of:

SD, WA  

OR 

AR, FL, GA, KS, MN, MT, SC, TN, WY  

$40

$35

$30

AZ, CO, DE, IL, IN, KY, LA, ME, MI, MO, NE, NC, OK, WV, WI, CA 

$25

ID, IA, NJ, NY, OH, UT  

MS, TX, VA  

NV 

NM  

$20

$15

$10

No Fee

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: We will tell you the amount of your credit limit. We may increase 
or  decrease  your  Account  credit  limit  at  any  time,  at  our  sole  discretion, 
without prior notice to you. Your current credit limit will be shown on your billing 
statement.

CASH  ADVANCES:  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 

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automated  clearing  house  transfer  (ACH)  or  sending  you  a  check.  Cash 
advances  are  subject  to  limitations  on  maximum  amount  and  frequency. 

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. 

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.

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  in-
terest  charges.  If  your  payment  due  date  falls  on  a  date  that  we  do  not  re-
ceive  or  accept  payments  by  mail  (including  weekends  and  holidays),  then 
we will not treat the payment received the next business day as late. All pay-
ments  must  be  drawn  on  U.S.  dollars  on  deposit  in  the  United  States.  Pay-
ments 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  AutoPay 
Authorization at any time. If you use ISPC AutoPay, your Account Maintenance 
Fee may be reduced as explained above. 

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% (except: Arkansas 
APR of 17% and daily periodic rate of .0465%; Nebraska APR of 16% and daily 
periodic rate of .0438%; and North Carolina APR of 15% and daily periodic rate 
of .0411%) The regular 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.

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) $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 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.

INCLUDING 

ITS  PROCEEDS, 

SECURITY  INTEREST:    YOU  GRANT  US  A  PURCHASE  MONEY  SECURITY 
INTEREST  IN  ALL  GOODS  PURCHASED  THROUGH  YOUR  ACCOUNT, 
AND 
INSURANCE  PROCEEDS  (THE 
“COLLATERAL”).  OUR  SECURITY  INTEREST  IN  THE  COLLATERAL 
CONTINUES  UNTIL  THE  GOODS  ARE  PAID  FOR.  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 COL-
LATERAL.  THIS MEANS THAT OUR SECURITY INTEREST IN THE COLLATERAL IS NOT, 
AND WILL NOT BE, A SECURITY INTEREST OR LIEN UPON YOUR DWELLING, WHERE 

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  purchases  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: By providing us with a telephone number 
at the time you apply or any time after that, you authorize us to contact you 
regarding  your  Account  at  that  number  or  any  other  telephone  number 
associated with you. We can use any means of communication to contact you 
such as (but not limited to) calls placed to your cell, mobile or other telephone 
phone  number  associated  with  you  or  your  account,  using  an  automated 
dialing  service,  pre-recorded  messages  or  text  messages.  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.  

ERRORS 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:  The  law  of  the  state  you  reside  in  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 is the entire Agreement between you and us and no 
oral changes can be made.

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:  We  can  delay  enforcing  our  rights  under  this 
Agreement without losing them.

WAIVER: We may give up some of our rights under this Agreement. If we give 
up any of our rights in one situation, we do not give up the same right in another 
situation.

ARBITRATION
PLEASE  READ  THESE  PROVISIONS  CAREFULLY.  THEY  PROVIDE 
THAT  ANY  DISPUTE,  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 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.    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,  or  enforcement  of  this  Agreement  to  Arbitrate  (the  “Arbitration 
Agreement”), shall be resolved through mandatory, 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 described in this section shall not be deemed a waiver of our right 
to arbitrate.

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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 decline 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 collective 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 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, except that 
the arbitrator will have no authority to award punitive, consequential, or any 
other damages beyond actual damages, except any minimum amounts as 
may be required by statute.  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 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, AND COSTS: 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 Hillsborough or Pasco Counties.  The prevailing 
party in any such action or arbitration 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 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.

NO INTEREST IF PAID IN 180 DAYS:  If your purchase is paid within 180 days 
after the date we fund your purchase, any interest charged to that purchase 
will be credited to your account. All other terms and conditions (including 
minimum payments) in the Account Agreement apply. (Code SAC6)

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. (Code 6NN)

NO  INTEREST/PAYMENTS  FOR  A  YEAR:  No  interest  will  be  charged  and  no 
payments will be due on your purchase until one year after the date we fund 
your purchase. Thereafter, your purchase will be subject to the regular terms 
and conditions in the Account Agreement. (Code 12NN)

9.9% APR: The APR on your purchase is reduced to 9.9% (.0271% daily rate).  

All other regular terms and conditions (including minimum payments) in the 
Account Agreement apply. (Code 992)

5.9% APR: The APR on your purchase is reduced to 5.9% (.0162% daily rate).  
All other regular terms and conditions (including minimum payments) in the 
Account Agreement remain the same. (Code 592)

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)

9.9%  APR/REDUCED  MINIMUM  PAYMENT  FOR  2  YEARS:  The  APR  on  your 
purchase is reduced to 9.9% (.0271% daily rate) and for 24 months after the 
date we fund your purchase 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 9912)

0% APR AND REDUCED MINIMUM PAYMENT FOR 2 YEARS: For 24 months after  
the date we fund your purchase the APR on your purchase is reduced to 
0% (.000% 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 regular terms and conditions in the Account 
Agreement. (Code 0REG)

0%APR/REDUCED  MINIMUM  PAYMENT  FOR  2  YEARS,  THEN  9.9%  APR:  For  24 
months after the date we fund your purchase the APR on your purchase is 
reduced to 0% (.000% daily rate) and the minimum payment is reduced to 
1% of the highest balance on your Account since it was last zero.  Thereafter, 
the APR increases to 9.9% (0.271% daily rate) and all other regular terms 
and conditions in the Account Agreement apply. (Code 0992)

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 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 430)

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:  This  contract  is  subject  in  whole  or  in  part  to 
Texas  law  which  is  enforced  by  the  Consumer  Credit  Commissioner,  2601 
North Lamar Boulevard, Austin, TX 787054207. Phone (512) 479-1285 or (800) 
538-1579. Contact the Commissioner relative to any inquiries or complaints.

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, write to us 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

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.

You must contact us:

• Within 60 days after the error appeared on your statement.

• At least 3 business days before an automated payment is scheduled, if 
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing [or electronically]. You may 
call us, but if you do we are not required to investigate any potential errors and 
you may have to pay the amount in question.

CUSTOMER COPY

© ISPC 07.16
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What Will Happen After We Receive Your Letter

been settled between us.

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we 
received your letter. We will also tell you if we have already corrected the 
error.

2. Within 90 days of receiving your letter, we must either correct the error 
or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent 
on that amount.

• The charge in question may remain on your statement, and we may 
continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible 
for the remainder of your balance. 
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or 
any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in 
question, along with applicable interest and fees. 

We will send you a statement of the amount you owe and the date payment is 
due. We may then report you as delinquent if you do not pay the amount we 
think you owe.

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must 
write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning 
your bill. We must tell you the name of anyone to whom we reported you as 
delinquent,  and  we  must  let  those  organizations  know  when  the  matter  has 

If we do not follow all of the rules above, you do not have to pay the first $50 of 
the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with 
your 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 purchase.

To use this right, all of the following must be true:

   1. The purchase must have been made in your home state or within 100 
miles of your current mailing address, and the purchase price must 
have been more than $50. (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.)

   2. You must have used your credit card for the purchase. Purchases made 
with cash advances from an ATM or with a check that accesses your 
credit card account do not qualify.

   3. You must not yet have fully paid for the purchase.

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.

1115 Gunn Highway, Suite 100
Odessa, FL  33556
www.theispc.com

© ISPC 07.16
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