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 con-
ditions 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 Ac-
count. You can use your Account to purchase goods, services, parts and re-
pairs 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 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 Agree-
ment 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 gov-
erned by Fla. Stat. § 655.954 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	first	year.	Up	to	$75	after	that.	Residents	
of states where the law prohibits or limits Annual 
Fees will be charged in accordance with their state 
law. Please see below.

Up to $10 or 5% of the amount of each cash ad-
vance, whichever is greater. 
This fee will not be charged in those states where it 
is prohibited.  In those states where permissible, this 
fee will be charged in accordance with your state’s 
law. Please see the paragraph below regarding your 
state’s applicable provisions.

Up to $10.  Residents of states where the law 
prohibits or limits Telephone Payment Fees will be 
charged in accordance with their state law. Please 
see below.

Up to the greater of $50 or 5% of the late payment. 

Up to $40. 

ACCOUNT MAINTE-
NANCE FEE

ANNUAL FEE

CASH ADVANCE 
FEE

TELEPHONE 
PAYMENT FEE

PENALTY FEES:
Late Payment

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 apply-
ing 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: This fee will not be charged to Accounts in the 
following states: AL, CA, CO, IL, KY, LA, MD, MN, MO, MT, NJ, NM, NV, NY, 
OH,	PA,	TX,	WA	and	WV.		After	the	first	6	billing	cycles,	a	monthly	Account	
Maintenance Fee of $7 may be charged on your Account in AZ, DE, IA, ID, IN, 
KY, ME, MI, MS, NE, NH, ND, OR, SD, UT, WI and WY, and $5 in OK and VA. 
Your monthly Account Maintenance Fee in TN will be $2.50 if your credit limit 
is more than $1,250. In FL, GA, NC, and SC your Account Maintenance Fee 
will be $5 and will be charged if your Annual Percentage Rate is not higher 
than 15%. If you are charged an Account Maintenance Fee, you will receive a 
credit against it of the lesser of $5 ($3 in FL, GA, NC, SC, OK and VA) or the 
amount  of  the  Account  Maintenance  Fee  applicable  to  your  Account  in  any 
month in which a preauthorized ISPC AutoPay payment is made. If you  are 
charged an Account Maintenance Fee, you will receive a credit against your 
Account Maintenance Fee of the lesser of $2 or the amount of your Account 
Maintenance  Fee  in  any  month  in  which  you  choose  to  receive  your  billing 
statement online at www.theispc.com rather than your billing statements being 
mailed to you.

ANNUAL FEES:	After	the	first	12	billing	cycles	of	your	Account,	we	may	charge	
you an Annual Fee of $25 on your Account.  No annual fees will be charged to 
residents of AR, CA, IA, KY, LA, MI, MN, MT, ME, NJ, NM, OK, OR, SC, TN, 
WV, and WY.  In OH, NV, and IL your Annual Fee will be $20. In NC your Annu-
al Fee will be $24. In TX your annual fee will be $75 if your credit limit exceeds 
$5000, otherwise $50. In FL, VA, and GA you will be charged an Annual Fee 
of $25 if your Annual Percentage Rate is not higher than 15%. In MO and PA, 
your Annual Fee will be $50. If your Account is not in default at any time during 
the 12 billing cycles prior to the billing cycle in which the Annual Fee is charged 
to your Account, you will receive a credit for the amount of your Annual Fee. 

LATE CHARGES: If we do not receive a payment from you in at least the amount 
of your minimum payment due by the Payment Due Date shown on your billing 
statement, we may charge you a Late Payment Fee according to the amounts 
shown below. Grace periods vary by state and your applicable grace period, 
if any, will also show on your billing statement. Late Payment Fees will not be 
charged until the expiration of your applicable grace period. No Late Payment 
Fees	will	be	charged	prior	to	the	first	day	of	the	month	following	your	Payment	
Due Date.

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 un-
paid, subject to applicable law, you will pay a Returned Payment Fee of:

RETURN TO ISPC

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NV 

MS, VA 

MD 

RETURNED PAYMENT FEES BY STATE

$10 or the amount of charges imposed on us.

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.

$15

$15 for payment made with a check that is dishonored

on the second presentment.

ACCEPTING PAYMENT: We can accept late or partial payments, as well as pay-
ments marked “paid in full” or with other restrictive endorsements, without los-
ing any of our rights under this Agreement.

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 indi-
cates serious charge-offs or delinquencies on your accounts with other cred-
itors, and (4) the transaction will not result in your credit limit being exceeded.

CREDIT LIMIT: Your Account credit limit will be shown on every billing statement.  
We may increase your credit limit at our sole discretion or decrease it at any 
time, without prior notice to you if you do any of the following: default on your 
Account,	join	a	credit	counseling	service,	file	for	bankruptcy	or	your	home	is	
being foreclosed upon, tell us that you intend to not make your payments, re-
quest 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 informa-
tion about your Account. 

PAYMENT: You must pay at least the total minimum payment due on your ac-
count by 5:00 p.m. (Eastern Time) on the due date of each billing cycle. Pay-
ments 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 Auto-
Pay. There is no charge for using ISPC AutoPay. You can sign up for ISPC Au-
toPay 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 go-
ing 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	ap-
plying 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 bal-
ances 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 main-
tenance 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 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	

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 pur-
chases 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 man-
ner in certain situations, such as when your Account has a special promotion.

CHANGE IN TERMS:  We may change the terms of this Agreement from time to 
time in the future as permitted by applicable law. We may add terms, remove 
terms, or change existing terms, including the annual percentage rate. We will 
give you notice of any changed terms as required by applicable law.

SECURITY INTEREST:  YOU GRANT US A PURCHASE MONEY SECURITY IN-
TEREST IN ALL GOODS PURCHASED THROUGH YOUR ACCOUNT, AND 
ITS PROCEEDS, INCLUDING INSURANCE PROCEEDS (THE “COLLATER-
AL”). OUR SECURITY INTEREST IN THE COLLATERAL CONTINUES UN-
TIL  THE  GOODS  ARE  PAID  FOR  AND  THE  ACCOUNT  IS  CLOSED.  YOU 
AUTHORIZE US TO FILE OR RECORD (AND TO SIGN FOR YOU IF NEC-
ESSARY)  ANY  FINANCING  STATEMENTS  OR  OTHER  DOCUMENTS  WE 
DEEM NECESSARY TO PERFECT AND PROTECT OUR SECURITY INTER-
EST 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 EX-
TENDS 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 ob-
ligations 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 bal-
ance, 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 ad-
dress, 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  tele-
phone 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	tele-
phone 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 per-
mitted 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 con-
tact 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 

RETURN TO ISPC

© ISPC 2.20  
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Application for your Account will apply to this Account Agreement, even if you 
move to another state in the future. However, the law of the state in which any 
Collateral is located will apply to our rights in that Collateral, including recovery 
of that Collateral.

ENTIRE AGREEMENT: This Agreement supersedes any and all other prior under-
standings 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 unenforce-
able, 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 AC-
TION, PROCEEDING, CAUSE OF ACTION OR COUNTERCLAIM ARISING 
OUT OF OR RELATING TO THIS AGREEMENT, INCLUDING ANY EXHIB-
ITS, 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 OTHER-
WISE, 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 EQUI-
TABLE 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 TRI-
AL, AND THE RIGHT TO INITIATE OR PARTICIPATE IN A CLASS ACTION 
OR SIMILAR COLLECTIVE OR CONSOLIDATED PROCEEDINGS.  IN AR-
BITRATION, 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 LIM-
ITED 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 Agree-
ment”), 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 jurisdic-
tion  for  amounts  not  exceeding  $15,000.  Also  excluded  from  arbitration  are 
lawful self-help remedies we may exercise, such as repossession of collateral, 
as well as garnishment and/or replevin. You may assert any valid defenses to 
any Excluded Claims, but any claim or counterclaim, cross-claim, third-party 
claim, or other claim you may have for damages or equitable relief exceeding 
$15,000 must be arbitrated. Any exercise of self-help or judicial remedies de-
scribed in this section shall not be deemed a waiver of our right to arbitrate.

INITIATING ARBITRATION:	In	order	to	start	arbitration,	either	party	must	first	noti-
fy	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 Ju-
dicial 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	arbitra-
tion 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 consolidat-
ed 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 ar-
bitrator, you and we agree that the selection will be made by the arbitration or-
ganization 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 ap-
propriate.	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 rea-
sonably 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 ju-
risdiction, 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 attor-
ney’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 Ac-
count Agreement (Code REG). Purchases subject to SUNWISE special pro-
motion 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 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.

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 

RETURN TO ISPC

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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 busi-
ness days before the automatic payment is scheduled to occur.

Your Rights and Our Responsibilities After We Receive Your Written No-
tice

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	mis-
take,	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 de-
linquent. 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  pur-
chased with a credit card, and you have tried in good faith to correct the prob-
lem 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

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  dis-
cussed	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.

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, con-
tact  ISPC  at  1-800-345-4772  ext.  1800  or  at  www.theispc.com.  The  lender 
is	licensed	and	examined	under	Texas	law	by	the	Office	of	Consumer	Credit	
Commissioner (OCCC), a state agency. If a complaint or question cannot be 
resolved	by	contacting	the	lender,	consumers	can	contact	the	OCCC	to	file	a	
complaint or ask a general credit-related question. OCCC address: 2601 N. 
Lamar  Blvd.,  Austin,  Texas  78705.  Phone:  (800)  538-1579.  Fax:  (512)  936-
7610.  Website:  www.occc.texas.gov.  E-mail:  consumer.complaints@occc.
texas.gov.

MILITARY LENDING ACT: Federal law provides important protections to members 
of the Armed Forces and their dependents relating to extensions of consum-
er 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 an-
cillary 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 call-
ing 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 tele-
phone 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.

RETURN TO ISPC

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