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	 o昀昀ered,	 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 INTER-
EST 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.

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	di昀昀erent	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.

FEES

$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	昀椀rst	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.

ACCOUNT  
MAINTENANCE FEE

ANNUAL FEE

CASH ADVANCE 
FEE

TELEPHONE 
PAYMENT FEE

PENALTY FEES:

Up to the greater of $50 or 5% of the late payment. 

Late Payment

Up to $40. 

Returned Payment

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.consumer昀椀nance.gov/learnmore

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	昀椀rst	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	昀椀rst	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	昀椀rst	day	of	the	month	following	your	Payment	
Due Date.

5 Day Grace Period

LATE CHARGES BY STATE

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, DE, NY 

CO, LA 

GA 

IL 

WV 

SC 

WA 

MN 

OK 

OH 

WY 

TX 

KS 

$18.50

$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

RETURNED  PAYMENT  FEES:  If  any  check  or  electronic  payment  is  returned  
unpaid, subject to applicable law, you will pay a Returned Payment Fee of:

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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 

昀椀nancial	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  services  as  well  as  cash  advances  on  your  Account  as  long  as  (1)  you 
are	not	in	default,	(2)	your	昀椀nancial	condition	has	not	materially	or	adversely	 
changed,  (3)  we  have  not  been  provided  information  by  third  parties  that  
indicates	 serious	 charge-o昀昀s	 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,	 昀椀le	 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	e昀昀ect	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	 昀椀gure	 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	di昀昀erent	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. 

Your	minimum	payment	may	be	calculated	di昀昀erently	to	the	extent	a	portion	of	
your balance is subject to a special promotion.

SPECIAL PROMOTIONS:	From	time	to	time	special	昀椀nancing	terms	for	purchases	
may be available, such as extended interest-free periods and incentive interest 
rates.	This	may	be	limited	to	purchases	of	speci昀椀c	goods	from	a	participating	
merchant.  Special  promotions  that  may  currently  be  available  are  explained 
below.	Any	speci昀椀c	special	promotion	relating	to	a	purchase	will	be	re昀氀ected	
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	昀椀rst	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	 di昀昀erent	 
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  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,	 a昀케liates,	 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	 arti昀椀cial	 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.

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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  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	 speci昀椀cally	
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	 su昀케cient	 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	 e昀昀ect	
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	e昀昀ect.	This	Agreement	may	not	be	modi昀椀ed	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. 
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.

IN  ARBITRATION,  A  DISPUTE 

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	e昀昀orts	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	 昀椀rst	 
notify	the	other	in	writing	that	it	wishes	to	arbitrate	a	dispute.	This	noti昀椀cation	
must	brie昀氀y	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	昀椀rst	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	 e昀昀ect	 of	 the	 AAA,	 except	 where	 those	 rules	 
con昀氀ict	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	con昀椀dential,	but	you	may	notify	any	governmental	authority	of	your	claim,	
if	you	deem	that	appropriate.	The	arbitrator’s	award	will	be	昀椀nal	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	 昀椀ling,	 
administrative,  hearing  or  other  fees),  but  only  up  to  the  amount  of  the  
昀椀ling	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	e昀昀ect	and	shall	be	
severed, but the remainder of this Arbitration Agreement shall continue in full 
force	and	e昀昀ect.

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	 o昀昀ered	 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.

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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	O昀케ce	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	昀椀le	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	昀椀rst	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	 昀椀nance	 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	 昀椀nd	 that	 we	 made	 a	 mistake	 on	 your	 bill,	 you	 will	 not	 have	 to	 pay	 any	 
昀椀nance	charges	related	to	any	questioned	amount.	If	we	didn’t	make	a	mistake,	 
you	 may	 have	 to	 pay	 昀椀nance	 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	昀椀nally	is.

If	we	don’t	follow	these	rules,	we	can’t	collect	the	昀椀rst	$50	of	the	questioned	
amount, even if your bill was correct.

Your Rights If You Are Dissatis昀椀ed 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	dissatis昀椀ed	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

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