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 the chart 
below.

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 
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 MAINTE-
NANCE FEE

ANNUAL FEE

CASH ADVANCE FEE

TELEPHONE PAYMENT 
FEE

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. Resi-
dents 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 accordance with their state 
law. Please see below.

PENALTY FEES:
Late Payment

Up to the greater of $50 or 5% of the late 
payment. 

Returned Payment

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

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.

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 
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, 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 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  Arkansas,  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  Carolina  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 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.

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  

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

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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© ISPC 1.19 
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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 

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  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: 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 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 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. 

ISPC AUTOPAY: You can choose to make your payments by using ISPC AutoPay. 
There is no charge for using ISPC AutoPay. You can sign up for ISPC AutoPay 
now  by  completing  the  attached  ISPC  AutoPay  Authorization.  You  can  also 
sign up for ISPC AutoPay at any time that your Account is in effect by going  
to  ISPC’s  website  at  www.theISPC.com  or  by  contacting  ISPC  Customer  
Service at 1-800-345-4772. You can cancel your ISPC AutoPay Authorization 
at any time. If you use ISPC AutoPay, your Account Maintenance Fee may be 
reduced as explained above. 

INTEREST  CHARGE  CALCULATION:  We  figure  the  amount  of  your  interest  by  
applying  the  applicable  daily  periodic  rate  to  the  average  daily  balance  of 
your account. We then multiply the result by the number of days in the billing  
cycle. A separate daily balance is calculated for purchases, cash advances and  
balances subject to different APRs and special promotions. 

To  get  the  “average  daily  balance”,  we  take  the  beginning  balance  of  your 
account each day in the billing cycle, add any new purchases, cash advances and 
other debits (other than late fees, returned payment fees, monthly maintenance  
fees, annual fees and other fees) and subtract payments or credits.  This gives 
us  the  daily  balance.  Purchases  and  cash  advances  are  added  to  the  daily 
balance  as  of  the  date  we  fund  the  transaction.  Then,  we  add  up  the  daily 
balances for the billing cycle and divide the total by the number of days in the 
billing cycle. This gives us the “average daily balance.” 

Minimum Payment. Your minimum payment will be equal to the sum of: 
1.  The greater of: (a) $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  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 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:  You  expressly  consent  to  be  contacted 
by us, our agents, representatives, affiliates, or anyone calling on our behalf  
for  any  and  all  purposes  arising  out  of  or  relating  to  your  Account,  at  any  
elephone  number,  physical  or  electronic  address  you  provide,  or  numbers 
we can reasonably associate with your account (through skip trace, caller ID  
capture  or  other  means).  All  signatories  to  this  Agreement  agree  we  may  
contact  them  in  any  way,  including  SMS  messages  (text  messages),  calls  
using  prerecorded  messages  or  artificial  voice,  and  calls  and  messages  
delivered using auto telephone dialing system or an automatic texting system.  
Automated messages may be played when the telephone is answered, whether 
by you or someone else.  In the event that an agent or representative calls, he 
or she may also leave a message on your answering machine, voice mail, or 
send one via text. 

You  certify,  warrant,  and  represent  that  the  telephone  numbers  provided  to 
us  are  your  numbers  and  not  someone  else’s.  You  represent  that  you  are  
permitted  to  receive  calls  at  each  of  the  telephone  numbers  have  provided 
to us.  You agree to notify us whenever you stop using a particular telephone 
number. Standard text messaging and/or calling charges may apply. We may 
also contact you by email using the email address that you provide to us. The 
Parties agree that this is a bargained-for exchange and, subject to applicable 
law,  this  consent  may  not  be  revoked  without  written  agreement  of  both  
parties.

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 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.

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ENTIRE  AGREEMENT:  This  Agreement  supersedes  any  and  all  other  prior  
understandings and agreements, either oral or in writing, between the parties 
with respect to the account. Each party to this Agreement acknowledges that no 
representations, inducements, promises, or agreements, orally or otherwise, 
have been made by any party or by anyone acting on behalf of any party, which 
are  not  embodied  in  this  Agreement  and  that  any  agreement,  statement  or 
promise that is not contained in this Agreement shall not be valid or binding or 
of any force or effect. This Agreement may not be modified orally.

ENFORCEABILITY:  If  any  part  of  this  Agreement  is  found  to  be  void  or  
unenforceable, all other parts of this Agreement will still apply.

DELAY IN ENFORCEMENT IS NOT WAIVER: Our rights under this Agreement will 
not be prejudiced by any delay in exercising them or by any other act done or 
omitted by us which but for this clause might have been deemed a waiver of 
such rights nor will any exercise of any such right preclude any further exercise 
of such right or any other right..

WAIVER OF JURY TRIAL: EACH PARTY IRREVOCABLY AND UNCONDITION-
ALLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE 
LAW,  ANY  RIGHT  IT  MAY  HAVE  TO  A  TRIAL  BY  JURY  IN  ANY  LEGAL  
ACTION,  PROCEEDING,  CAUSE  OF  ACTION  OR  COUNTERCLAIM  
ARISING  OUT  OF  OR  RELATING  TO  THIS  AGREEMENT,  INCLUDING 
ANY  EXHIBITS,  SCHEDULES,  AND  APPENDICES  ATTACHED  TO  THIS 
AGREEMENT,  OR  THE  TRANSACTIONS  CONTEMPLATED  HEREBY. 
EACH  PARTY  CERTIFIES  AND  ACKNOWLEDGES  THAT 
(A)  NO  
REPRESENTATIVE  OF  THE  OTHER  PARTY  HAS  REPRESENTED,  
EXPRESSLY  OR  OTHERWISE,  THAT  THE  OTHER  PARTY  WOULD  NOT 
SEEK  TO  ENFORCE  THE  FOREGOING  WAIVER  IN  THE  EVENT  OF  A 
LEGAL ACTION, (B) IT HAS CONSIDERED THE IMPLICATIONS OF THIS 
WAIVER, (C) IT MAKES THIS WAIVER KNOWINGLY AND VOLUNTARILY, 
AND  (D)  IT  HAS  DECIDED  TO  ENTER  INTO  THIS  AGREEMENT  IN  
CONSIDERATION OF, AMONG OTHER THINGS, THE MUTUAL WAIVERS 
AND CERTIFICATIONS IN THIS SECTION.

ARBITRATION

IF YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING 
ACT,  THE  FOLLOWING  ARBITRATION  AGREEMENT  DOES  NOT  APPLY 
TO YOU. 

PLEASE READ THESE PROVISIONS CAREFULLY. THEY PROVIDE THAT 
ANY  DISPUTE,  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.

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. 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:  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  Hillsborough  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 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%  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  90  DAYS:  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  180  DAYS:  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.

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)

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 

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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.

  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. 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  applicable  to  the  credit  transaction  or 
account: the costs associated with credit insurance premiums; fees for ancillary 
products  sold  in  connection  with  the  credit  transaction;  any  application  fee 
charged  and  any  participation  fee  charged  (other  than  certain  participation 
fees  for  a  credit  card  account).  You  may  also  obtain  an  oral  disclosure  by 
calling 1-800-345-4772 ext. 1816.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair 
Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement or if you need more information 
about a transaction on your bill, write to us as soon as possible (We must hear 
from you no later than 60 days after we sent you the first bill on which the error 
occurred) at:

ISPC
Attention: Customer Service Department
1115 Gunn Highway, Suite 100
Odessa, FL 33556
You  may  also  contact  us  on  the  Web:  www.theISPC.com  You  may 
telephone us but doing so will not preserve your rights.

In your letter, give us the following information:

• ACCOUNT INFORMATION: Your name and account number.

• DOLLAR AMOUNT: The dollar amount of the suspected error.

• DESCRIPTION OF PROBLEM: If you think there is an error on your bill, describe 
what you believe is wrong and why you believe it is a mistake.

If you have authorized us to pay your credit card bill automatically from your 
savings or checking account, you can stop the payment on any amount you 
think  is  wrong.  To  stop  the  payment  your  letter  must  reach  us  three 
business days before the automatic payment is scheduled to occur.

Your  Rights  and  Our  Responsibilities  After  We  Receive  Your  Written 
Notice

We must acknowledge your letter within 30 days, unless we have corrected 
the error by then. Within 90 days, we must either correct the error or explain 
why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, 
or report you as delinquent. We can continue to bill you for the amount you 
question,  including  finance  charges,  and  we  can  apply  any  unpaid  amount 
against your credit limit. You do not have to pay any questioned amount while 
we are investigating, but you are still obligated to pay the parts of your bill that 
are not in question.

If  we  find  that  we  made  a  mistake  on  your  bill,  you  will  not  have  to  pay  any 
finance  charges  related  to  any  questioned  amount.  If  we  didn’t  make  a 
mistake, you may have to pay finance charges, and you will have to make up 
any missed payments on the questioned amount. In either case, we will send 
you a statement of the amount you owe and the date that it is due.

If  you  fail  to  pay  the  amount  that  we  think  you  owe,  we  may  report  you  as 
delinquent. However, if our explanation does not satisfy you and you write to 
us within ten days telling us that you still refuse to pay, we must tell anyone we 
report you to that you have a question about your bill. And, we must tell you the 
name of anyone we reported you to. We must tell anyone we report you to that 
the matter has been settled between us when it finally is.

If we don’t follow these rules, we can’t collect the first $50 of the questioned 
amount, even if your bill was correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  have  a  problem  with  the  quality  of  property  or  services  that  you 
 purchased with a credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining 
amount due on the property or services.

There are two limitations on this right:

a) 

You must have made the purchase in your home state or, if not within 
your  home  state  within  100  miles  of  your  current  mailing  address; 
and

b) 

The purchase price must have been more than $50.

These  limitations  do  not  apply  if  we  own  or  operate  the  merchant,  or  if  we 
mailed you the advertisement for the property or services. If all of the criteria 
above are met and you are still dissatisfied with the purchase, contact us in 
writing or electronically at:

ISPC
Attention: Customer Service Department
1115 Gunn Highway, Suite 100
Odessa, FL 33556 

contactus@theISPC.com

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