b'IMPORTANT INFORMATION TO\nREAD AND SAVE\n\nCARDHOLDER CREDIT CARD\nAGREEMENT AND\nADDITIONAL DISCLOSURES\n(MEMBERSHIP RULES)\nCERTIFICATE OF DEPOSIT OR SAVINGS ACCOUNT SECURED\n\nCARDHOLDER CREDIT CARD AGREEMENT AND ADDITIONAL DISCLOSURES\nThis Cardholder Credit Card Agreement and Additional Disclosures (\xe2\x80\x9cAgreement\xe2\x80\x9d) sets forth the terms of\nyour credit card account with IBERIABANK, a division of First Horizon Bank. Please read this Agreement\ncarefully and keep it for your records.\nMEANING OF WORDS:\nIn this agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, \xe2\x80\x9cyours\xe2\x80\x9d, and \xe2\x80\x9cBorrower\xe2\x80\x9d mean anyone who signs the Credit\nCard Application or otherwise agrees in writing to be obligated under this Agreement. The words \xe2\x80\x9cwe\xe2\x80\x9d,\n\xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cour\xe2\x80\x9d mean IBERIABANK, a division of First Horizon Bank, a state-chartered bank organized\nunder the laws of the State of Tennessee headquartered at 165 Madison Avenue, Memphis, Tennessee\n38103, and the creditor under this Agreement. The word \xe2\x80\x9cAccount\xe2\x80\x9d means your Credit Card Account with\nus. The word \xe2\x80\x9cCard(s)\xe2\x80\x9d means any Visa Credit Card(s) that we issue on your Account. The word\n\xe2\x80\x9cPurchases\xe2\x80\x9d means amounts charged to your Account when you use your Card(s) or give your Account\nnumber to buy or lease goods or services. \xe2\x80\x9cPurchases\xe2\x80\x9d also means the fees and charges which, when\ncharged to your Account, are treated as purchases and are subject to an INTEREST CHARGE. The\nphrase \xe2\x80\x9cCash Advances\xe2\x80\x9d means loans charged to your Account obtained by use of your Card, your\nAccount number or your Convenience Checks. The phrase \xe2\x80\x9cConvenience Checks\xe2\x80\x9d means checks\ncharged to your Account which are used to purchase or lease goods or services or obtain cash. The\nphrase \xe2\x80\x9cBalance Transfer Checks\xe2\x80\x9d means checks charged to your Account which are used to pay credit\nor charge accounts at another financial institution or merchant.\nYOUR RESPONSIBILITY:\nThis Agreement applies to any Card(s) we have issued to you. You will be obligated and bound by this\nAgreement the moment you use your Card(s), whether for a Purchase, Balance Transfer or Cash\nAdvance. You also agree to any amendments we may make to this Agreement from time to time by\nmaking a Purchase, Balance Transfer or Cash Advance after the date of any such amendment. If you\napplied for a joint account, each of you will be bound to this Agreement and obligated to pay all amounts\nowing on the Account. Upon request we may issue additional Cards to person(s) you authorize to use the\nAccount. Anyone you authorize to use the Account is also subject to the terms of this Agreement;\nhowever you remain responsible for paying all charges such authorized person(s) make with the Card(s).\nPROMISE TO PAY:\nWhen you use your Account or permit anyone else to use it for a Purchase or Cash Advance, you\npromise to pay us in accordance with the terms of this Agreement, the total amount of all Purchases and\nCash Advances. You also promise to pay any INTEREST CHARGE owing under this Agreement as\nexplained below. We do not waive our rights to collect the full amount due if you pay late or you pay part\nof the bill, even if you write the words \xe2\x80\x9cPaid in Full\xe2\x80\x9d (or similar words) on any correspondence to us.\n\nIBERIABANK, a division of First Horiz on Bank\n\n1\n\n(v. 5/1/2020)\n\n\x0cSECURED CARD ACCOUNT:\nYour Account and obligations to the Issuer thereunder are required to be cash secured at all times by the\npledge of a first-priority security interest in either a certificate of deposit or other savings or deposit\nAccount held with the Issuer and in amounts satisfactory to the Issuer (\xe2\x80\x9cCollateral\xe2\x80\x9d). The Collateral will be\nsubject to the terms of a separate Security Agreement entered into with the Issuer which will provide the\nIssuer with certain rights in the Collateral should there be a default under the Account, including but not\nlimited to a payment default under the Account. The Collateral will be required for the life of the Account,\nand while the Account remains open, no withdrawal or debit transactions by or through the certificate of\ndeposit or other savings or deposit account serving as Collateral will be permitted. If at any time during\nthe life of the Account you fail to satisfy the Collateral requirement, your Account will be closed. Upon\nthe closure or cancellation of your Account, the Collateral will not be released until all obligations to Issuer\nthereunder have been paid in full. The Issuer may delay a release of the Collateral after the Account is\ncancelled or closed for a reasonable period of time to ensure the satisfaction of all obligations under the\nAccount.\nCREDIT LIMIT:\nYour Account will have a credit limit that we set, which may be based in whole or in part on the amount of\nCollateral securing the Account. We may change the limit at any time and for any reason and, if we do,\nwe will notify you promptly thereafter. You agree that the outstanding balance of your Account (including\nINTEREST CHARGES) will never exceed the credit limit amount, but that if we allow it to, which we may,\nat our sole discretion, you agree to promptly pay us the excess when asked. You can apply for a higher\ncredit limit at any time if you wish, which will be reviewed according to our then-current underwriting\nstandards, practices and procedures.\nANNUAL MEMBERSHIP FEE:\nYou agree to pay a non-refundable Annual Membership Fee of $25 for your Visa Classic Secured\nAccount. This fee will be charged to your Account as a purchase due currently on your first monthly\nstatement and annually thereafter. This fee will continue to be charged until your Account is paid in full,\nwith no further credit available. Payment of the Annual Membership Fee does not assure that the terms\nand conditions of your Account will remain unchanged throughout the annual period covered by the Fee.\nIBERIABANK may amend this Agreement or cancel your Account at any time in the manner provided in\nthis Agreement. In the event IBERIABANK cancels your Account without cause, IBERIABANK will refund\nto you a pro rata portion of your Annual Membership Fee based on the time remaining in the annual\nperiod covered by the Fee. However, a cancellation of your Account shall not be considered to have been\nwithout cause if IBERIABANK offers to establish a new Account to replace the canceled Account.\nPURCHASES:\nSubject to available credit, you may use your Card(s) to charge purchases of goods and services\nwherever the Card(s) is/are accepted. Except as provided in the accompanying notice about your rights to\ndispute any billing errors, we will not be responsible to you for any claims about the quality of goods or\nservices purchased with the Card(s). We also are not and will not be responsible for any damage or injury\ncaused by goods or services that you purchase with your Card(s).\nCASH ADVANCES:\nSubject to available credit, you may use your Card(s) to obtain Cash Advances (borrow money) at any\nparticipating bank by presenting your Card(s) and completing a Cash Advance Slip. You may also use\nyour Card(s) to obtain Cash Advances from any Automated Teller Machines (ATMs) that accept the\nCard(s). Cash Advances and ATM Withdrawals will be limited to 50% of your available credit line. You\nagree to pay us a Cash Advance Fee of five percent (5%) of the transaction amount for all such\ntransactions, subject to a minimum fee of $5 and a maximum fee of $100 per transaction. The Cash\nAdvance Fee will apply to all Cash Advances, excluding balance transfers.\nCONVENIENCE CHECKS:\nWe may issue Convenience Checks on your Account and you may use them as regular checks; however,\nyou cannot use a Convenience Check to pay any amount owing on your Credit Card Account under this\nAgreement. Convenience Checks will be treated as Purchases on your Account. We may not pay any\nIBERIABANK, a division of First Horiz on Bank\n\n2\n\n(v. 5/1/2020)\n\n\x0cConvenience Check if, by paying the check, your unpaid balance would exceed your credit limit, you are\nattempting to pay another account you may have with us, if you are in default, or if we have canceled your\ncredit availability. If we decline to pay a Convenience Check for any of the above reasons, we may\ncharge you a fee of up to $37.00.\nBALANCE TRANSFERS:\nWe may permit you to transfer a balance from your credit card account(s) at other financial institutions\nor merchants; however, we will not pay a Balance Transfer Check if by paying the check your unpaid\nbalance would exceed your credit limit, if the Check was written for a purpose other than transferring the\nbalance of another credit account to your Account with us, if you are in default, or if we have canceled\nyour credit availability. If we decline to pay a Balance Transfer Check for any of the above reasons, we\nwill charge you a fee of up to $37.00. Balance Transfers will be treated as Purchases.\nYou agree to pay us a Balance Transfer Fee of two percent (2%) of the transaction amount for all\nBalance Transfers accepted. There is no minimum or maximum fee applicable to such transactions. The\nfee will apply to all Balance Transfers.\nMONTHLY STATEMENT:\nAt the end of every monthly billing period, we will send you a billing statement advising you of the status\nof your Account, if there is a balance on it, or if we have imposed an INTEREST CHARGE. This billing\nstatement will include such items as the advances we made for you, the INTEREST CHARGE imposed,\nthe payments we received, the total amount you owe us (the \xe2\x80\x9cNew Balance\xe2\x80\x9d), the minimum payment you\nmust make to us and when that payment is due. The payment due date is twenty-five (25) days from the\nclosing date for billing. As explained below, late payment can result in a Late Fee.\nMINIMUM PAYMENT:\nYou can pay off all your purchases and advances in full each month, or you can pay in monthly\ninstallments. If you decide to pay in installments, your minimum payment due at the end of each\nbilling period will depend on the APRs that apply to your Account, as shown in your monthly\nstatement (Purchase APR, Balance Transfer APR and Cash Advances APR).\nIf all APRs are 23.49% or lower at the end of any billing period, then you must pay us, each\nbilling cycle, a minimum payment of at least $15 or 2% of your outstanding balance, whichever is\ngreater. The minimum payment is rounded up to the next whole dollar and also includes the\ngreater of any past due amounts or amounts that exceed your credit limit. Account balances less\nthan $15 will be due in full.\nIf any APR is Over 23.49% at the end of any billing period, then you must pay us, each billing\ncycle, a minimum payment of at least $25 or 3% of your outstanding balance, whichever is\ngreater. The minimum payment is rounded up to the next whole dollar and also includes the\ngreater of any past due amounts or amounts that exceed your credit limit. Account balances less\nthan $25 will be due in full.\nLATE FEES:\nIf we do not receive at least the minimum monthly payment, on or before the Payment Due Date shown\non your monthly statement, you may be charged a late fee based on the balance of your Account for each\nsuch late payment up to $37. Late Fees will be identified on your monthly statement and treated as\npurchases due currently.\nDOCUMENT RETRIEVAL AND OTHER FEES:\nA fee of $5.00 will apply per page for requested statement copies. If you make a payment by phone by\ncalling one of our customer service representatives you will be assessed a fee of $7.00 per payment\nmade. If you request a copy of any Sales Slip or Cash Advance Slip, we will charge you $13.00 for each\ncopy provided. However, there will be no charge to you for copies provided in response to a billing error\ninquiry and we determine the error was our fault. We may charge a fee of up to $37.00 for any check\nreturned to us, for any reason, as nonpayable. We may charge a fee of $5.00 each time we provide you\nIBERIABANK, a division of First Horiz on Bank\n\n3\n\n(v. 5/1/2020)\n\n\x0cwith an additional or replacement Card at your request. We may charge you a fee of $10.00 each time we\nstop payment of a Convenience Check or a Balance Transfer Check at your request. We may charge you\na fee of $10.00 each time we change the monthly Payment Due Date for your Account at your request.\nWe may charge you a fee of $15.00 if we delete a Cardholder or an additional authorized Signer at your\nrequest. You are entitled to have a total of two Cardholders and additional authorized Signers on your\nAccount at no charge. We may charge you a fee of $15.00 for adding any additional Cardholders or\nauthorized Signers. We may charge you a fee of $5.00 for sending you a replacement Personal\nIdentification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) mailer or changing the PIN assigned to you.\nAPPLICATION OF PAYMENTS:\nIn accordance with applicable law, we will choose the order in which any Minimum Payment will be\napplied to your indebtedness to us at the time the payment is made. Any payment you make in excess of\nany required Minimum Payment will be applied first to balances with the highest ANNUAL PERCENTAGE\nRATE and then to each successive balance bearing the next highest ANNUAL PERCENTAGE RATE.\nPayments in excess of the required Minimum Payment will not affect your obligation to make future\nrequired Minimum Payments, calculated in accordance with this Agreement, while any balances are\noutstanding. We will allow time for checks and automatic payments to be honored by your bank before\nmaking adjustments to your available credit for future Purchases, Cash Advances or Balance Transfers.\nPayments received after 5:00 p.m. which are mailed to the address on your monthly statement will be\nposted the following business day. From time to time, we may let you skip or reduce one or more monthly\npayments during a year (note, interest will continue to accrue on your Average Daily Balance (as\ndiscussed below) regardless of any skip or reduced payment feature) and/or we may temporarily reduce\nor eliminate certain INTEREST CHARGES on all or a portion of your Credit Card account balance or offer\nyou other special terms. If we do, we will advise you of the scope and duration of the applicable skip or\npromotional feature. All terms and conditions of the agreement unaffected by the skip or promotional\nfeature will continue to apply for the duration of the skip or promotional feature, and when the skip or\npromotional feature ends, all affected terms or conditions of the Agreement will resume.\nINTEREST CHARGE:\nEach billing cycle, we will charge interest to you on the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d (as discussed below) for\neach type of transaction on your Account. By type of transaction, we mean Purchases (including those\nmade by Convenience Checks), Cash Advances, Balance Transfers, and any transactions subject to\nspecial offers, etc. To calculate the INTEREST CHARGE owed on your Account for each billing cycle, we\nfirst determine the Average Daily Balance for each type of transaction during the billing cycle. Next, we\napply the applicable interest rate (i.e., the \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d as discussed below) to the Average\nDaily Balance. Then, we multiply the resulting amount by the number of days in the billing cycle. After\ncalculating the amount of interest owed for each type of transaction during the billing cycle (i.e.,\nPurchases, Cash Advances, Balance Transfers), we add together these amounts to determine the total\nINTEREST CHARGE owed on your Account for the billing cycle.\nFor example, the INTEREST CHARGE on Purchases for a billing cycle is computed by applying the\n\xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d to the Average Daily Balance. To get the \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d applicable to\nthe current billing cycle, the Annual Percentage Rate (APR) in effect is divided by 12. The \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d of Credit Purchases is determined by dividing the sum of the daily balances of Purchases\n(including new Purchases) during the billing cycle by the number of days in the cycle.\nAVOIDING INTEREST CHARGES ON PURCHASES:\nYour payment due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on Purchases if you pay the entire New Balance by the payment due date each billing cycle.\nExcept as described in the preceding sentence, if you do not pay your entire balance by the payment\ndue date, we will start charging interest on each new Purchase on the later of (1) the date you make the\nPurchase, or (2) the first day of the billing cycle in which we add the Purchase to your Account.\nIf you are charged interest on Purchases, the minimum INTEREST CHARGE for any billing cycle is\n$0.50.\n\nIBERIABANK, a division of First Horiz on Bank\n\n4\n\n(v. 5/1/2020)\n\n\x0cWHEN INTEREST CHARGES START ON CASH ADVANCES:\nYou cannot avoid INTEREST CHARGES on Cash Advances. INTEREST CHARGES on Cash Advances\nbegin on the date of the advance and continue until your Cash Advance Balance is paid in full. The\nAverage Balance of Cash Advances is the sum of the unpaid balances of Cash Advances of each day of\nthe current billing cycle divided by the number of days in the current billing cycle.\nThe minimum INTEREST CHARGE is $0.50.\nANNUAL PERCENTAGE RATE: The ANNUAL PERCENTAGE RATES (APRs) applicable to your\nAccount may vary or increase. The APRs will be determined monthly by adding a Spread to an Index.\nThe Index for each billing cycle is the U.S. \xe2\x80\x9cPrime Rate\xe2\x80\x9d published in the Money Rates table of The Wall\nStreet Journal during the calendar month immediately preceding the calendar month in which the billing\ncycle ends. In each case, the spreads applicable to your Account will be based on our assessment of\nyour creditworthiness at the time of your application. Please see cardmailer for specific information that\nrelates to the current value of the index and your applicable spread.\nCREDIT BALANCE:\nIf your total New Balance is a credit balance, we will refund the amount of the credit to you promptly, if\nyou request us to in writing, or as required by law.\nFOREIGN TRANSACTIONS:\nIf you make any purchase in foreign currencies, Visa U.S.A. will convert the foreign currencies into U.S.\nDollars using their applicable currency conversion procedures. Currently, the conversion procedures\nutilize a rate selected from a range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate they receive, or the government mandated\nrate in effect for the applicable central processing date, in each instance, plus or minus any adjustment\ndetermined by us. You agree to pay us the sum in U.S. Dollars as converted by Visa U.S.A. The currency\nconversion rate used on the conversion date may differ from the rate in effect on the date you used your\nCard. Transactions with a foreign merchant may or may not involve a currency conversion. You agree to\npay us a foreign transaction fee of two percent (2%) of the transaction amount for all transactions where\nthe merchant country is not the United States, regardless of whether a currency conversion occurs.\nILLEGAL TRANSACTIONS:\nYou may not use your Account for any illegal transaction, whether where you live or where the transaction\ntakes place. You also agree not to use your Account for any Internet or online gambling transaction even\nif it is legal. We may refuse to authorize any illegal, internet or online gambling transaction. If we do\nauthorize the transaction, you agree to pay us for it unless such payment is prohibited by applicable law.\nSECURITY INTEREST:\nYour Account and obligations to the Issuer thereunder are required to be cash secured at all times by the\npledge of a first-priority security interest in either a certificate of deposit or savings or other deposit\naccount held with the Issuer. Collateral securing other loans with us, other than a dwelling used as your\nprincipal residence, may also secure this Account. Additionally, as set forth in the applicable Security\nAgreement governing Issuer\xe2\x80\x99s security interest in the Collateral, the Collateral securing this Account may\nalso secure other loans with us.\nLOST CARDS AND LIABILITY FOR UNAUTHORIZED USE:\nIf you notice the loss or theft of your Credit Card or a possible unauthorized use of your Account, you\nshould write to us immediately at: Customer Service, P.O. Box 84032, Columbus, GA 31908-4032, or\ncall us at 1-800-765-0853. You will not be liable for any unauthorized use that occurs after you notify us.\nYou may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your\nliability will not exceed $50.\nCANCELLATION OF CREDIT AVAILABILITY AND CREATION OF NEW ACCOUNTS:\nWe can cancel your Account any time and will notify you of such by phone or by writing you at the\naddress shown for you on our Account records. You can cancel your Account by writing to us. Of course,\nIBERIABANK, a division of First Horiz on Bank\n\n5\n\n(v. 5/1/2020)\n\n\x0cif your Account is canceled, you are required to pay everything you owe us, including any amounts that\nhave not been billed to you yet. In furtherance of the foregoing, you agree that our option we may satisfy\nany obligations owed on the Account by exercising our rights in the Collateral, regardless of an event of\ndefault, and regardless of whether you or we initiated the cancellation or closing of the Account. You are\nalso required to return all Card(s) we have given you. In the event we cancel your Account, we may offer\nto enter into a new contract with you establishing a new Account to replace the one we canceled. One\nmethod we may use to offer you a new contract is to include a notice in your monthly billing statement (i)\nadvising you of the cancellation of your existing Account, (ii) offering to enter into a new contract with you\nestablishing a new Account which you can access with your existing Card, (iii) setting forth the terms of\nthe new contract (which may include terms incorporated by reference from this or any other agreement\nwe have previously had with you) and (iv) advising you that your use of the Card to purchase goods or\nservices or obtain cash after you have received the notice will constitute your agreement to the terms of\nthe new contract. You and we now agree that our sending such a notice to you, coupled with your\nsubsequent use of your Card in the manner set forth in the notice, will be one means by which we can\nform a valid, enforceable contract with one another on the terms set forth in the notice.\nDEFAULT:\nIf you are in default, we may require you to pay the entire unpaid balance of your Account at once and/or\nwe may satisfy any obligations owed on the Account by exercising our rights in the Collateral. We may\nalso cancel your right to charge amounts to the Account. If we ask, you agree to promptly cut in half and\nreturn to us all Credit Card(s) and also any other Credit Access Devices we may have issued for your\nAccount. You will be in default if you do not make a payment on time on this Account or any other loan\nfrom us, if you go over the credit limit on the Account or if you break any promises under this or any other\nagreement with us. You will also be in default if you die, become bankrupt, give us false information to get\nthe Account or anything happens that leads us to believe in good faith that you will not pay us what you\nowe us or keep your promises to us. You will also be in default if the usual business of any persons or\norganization that must pay on this Account is suspended, stopped or someone tries by legal process to\nreorganize, liquidate or dissolve the business. Copies of documents like Monthly Statements, Sales Slips,\nCash Advance forms and Loan Checks will be competent evidence before a court to establish the amount\nyou owe to us. We will have no obligation to produce the originals.\nCOLLECTION COSTS:\nIf you default, you agree to pay our collection costs, including court costs and reasonable attorney\xe2\x80\x99s fees.\nOTHERS USING YOUR ACCOUNT:\nYou promise to pay for all transactions (including, for example, Purchases and Cash Advances) made by\nanyone you authorize to use your Account, whether or not you notify us that they will be using it. If\nsomeone else is authorized to use your Account and you want to end that person\xe2\x80\x99s privilege, you must\nnotify us in writing and provide us a reasonable opportunity to act on such written notification. If he or she\nhas a Card you must return that Card with your written notice.\nARBITRATION:\nAs of October 3, 2017, this section, Arbitration, does not apply if, on the date you enter into this\nAgreement or on the date we seek to invoke our arbitration provision, you are covered by the\nfederal Military Lending Act as an active duty member of the Armed Forces, on active Guard or\nReserve duty, or a dependent of such a member.\nTHIS ARBITRATION PROVISION LIMITS YOUR AND OUR RIGHT TO LITIGATE CLAIMS IN COURT\nAND YOUR RIGHT TO A JURY TRIAL. YOU SHOULD READ THIS PROVISION CAREFULLY. Any\nclaim, dispute, or controversy (a \xe2\x80\x9cDispute\xe2\x80\x9d) between you and us including without limitation those related\nto this Agreement, your Account, goods or services purchased in whole or part by use of your Account or\nthose relating to the validity, enforceability or scope of this arbitration provision shall be resolved, upon\nthe election of you or us, by binding arbitration pursuant to this arbitration provision and the Commercial\nArbitration Rules and Procedures of the American Arbitration Association (AAA). This arbitration provision\nalso applies to any Dispute between you and any of our employees, our affiliate companies and any of\nIBERIABANK, a division of First Horiz on Bank\n\n6\n\n(v. 5/1/2020)\n\n\x0ctheir employees. This arbitration provision is made pursuant to a transaction involving interstate\ncommerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. S1-16. The arbitrator shall\napply applicable substantive law consistent with the Federal Arbitration Act and applicable statutes of\nlimitations and shall honor all claims of privilege recognized by law. This arbitration provision is fully\nbinding in the event a class action is filed in which you would be a class representative or member. You\nand we agree that arbitrations pursuant to this arbitration provision which involve you and us and/or us\nand any other person cannot be consolidated. You and we further agree that there shall be no class\naction arbitration pursuant to this arbitration provision. This arbitration provision shall survive the\ninactivation or termination of the agreement or your Account. If any portion of this arbitration provision is\ndeemed invalid or unenforceable, the remaining provisions are severable and enforceable to the fullest\nextent permitted by law. This arbitration provision supersedes any prior arbitration provision that there\nmay be between you and us related to the Account.\nTo Start Arbitration: Either you or we can start arbitration any time a Dispute arises between you and us.\nTo start arbitration, you or we must contact the AAA at:\nAmerican Arbitration Association\n1101 Laurel Oak Road, Suite 100\nVoorhees, NJ 08043-4301\nFor more information about the arbitration process or to obtain a copy of the Commercial Arbitration\nRules and Procedures, contact the AAA at 1-800-778-7879 or log onto their website at\nhttp://www.adr.org.\nNo Waiver: You and we agree that bringing a lawsuit, counterclaim, or other action in court shall not be\ndeemed a waiver of the right to demand arbitration of any Dispute brought by the other party. As an\nexample, and not by way of limitation, if we file a lawsuit against you in court to collect a debt and you file\na counterclaim against us in that lawsuit, we have the right to demand that the entire Dispute, including\nour original lawsuit against you and your counterclaim against us, be arbitrated in accordance with this\narbitration provision. You and we agree that bringing the lawsuit shall not operate as a waiver of our right\nto demand arbitration.\nCost of Arbitration: If you start arbitration, you agree to pay the initial filing fee and deposit required by the\nAAA. If we start arbitration we will pay the filing fee and deposit. If you believe you are financially unable\nto pay such fees you may ask the AAA to defer or reduce such fees, pursuant of the Commercial\nArbitration Rules and Procedures. If the AAA does not defer or reduce such fees so that you are able to\nafford them we will, upon your written request, pay the fees, subject to any later allocation of the fees and\nexpenses between you and us by the arbitrator. There may be other costs during the arbitration, such as\nattorney\xe2\x80\x99s fees, expenses of travel to arbitration, and the costs of the arbitration hearings. The\nCommercial Arbitration Rules and Procedures determine who will pay those fees.\nLocation of Arbitration: Any arbitration hearing will take place in the state in which you live unless you and\nwe both agree to another location.\nEnforcement of Arbitration: After the arbitrator has made a decision, either you or we may take any legal\naction, including filing a lawsuit, to enforce the arbitrator\xe2\x80\x99s decision in any federal or state court that has\njurisdiction.\nCHANGE OF ADDRESS:\nIf you move, you must notify us of your new address as well as your new phone numbers in writing.\nPlease write the updated information on the payment stub of your Monthly Statement so we can change\nour records.\nINFORMATION ABOUT YOU AND YOUR CREDIT:\nYou promise that the information you gave us to open your Account is true. You also promise to tell us\nright away and to stop using the Account if (1) you plan to file for bankruptcy or (2) are otherwise unable\nIBERIABANK, a division of First Horiz on Bank\n\n7\n\n(v. 5/1/2020)\n\n\x0cto pay your debts. We may look again at your financial condition and credit standing at any time for any\nreason. You agree to let us do this and help with any investigation of your credit record. A negative credit\nreport reflecting on your credit record may be submitted to one or more reporting agencies if you fail to\nfulfill your obligations under this Agreement.\nTELEPHONE MONITORING; CONSENT TO COMMUNICATION:\nTo ensure our employees give accurate and courteous customer service, sometimes your call may be\nmonitored by a second employee and/or recorded. You agree to this monitoring and recording. We may\ncontact you using (1) any information or phone numbers (including cell phone numbers) you provide to us\non your Application or otherwise and (2) an automated telephone dialing system and/or artificial or\nprerecorded voice message, even if you are charged for the call under your phone plan.\nNO WAIVER OF OUR RIGHTS:\nSometimes we may decide not to exercise a right we have under this Agreement, like charging you a\nfee, or we may decide to do something less than we are authorized to do under this Agreement, like\ncharging a lesser fee than we are entitled to charge. If we do not exercise, or fully exercise a right of ours\nunder this Agreement, we do not waive the right to exercise or fully exercise the right in the future. We\ncan do all things permitted under this Agreement even if we did something differently one or more times\nin the past on a similar event or occurrence.\nAMENDMENT:\nWe can amend this Agreement from time to time upon forty-five (45) days advance notice to you. The\nnew terms, including any increase or decrease in the fees, charges or periodic rate, shall apply both to\nNew Purchases and to New Cash Advances made on and after the effective date. In case of any change\nin the periodic rate or certain fees, the new fees, periodic rate and APR will not be more than the\nmaximum rate permitted by applicable law.\nASSIGNMENT:\nWe can assign this Agreement to others upon proper notification to you. You may not assign this\nagreement to others without our permission. We have in the past sold and assigned all or part of its credit\ncard portfolio to one, or more, financial institutions. At our sole discretion, we reserve the right to do so\nagain, and any such sale may include your Account. We have also denied credit solely on the basis that\nthe applicant previously had an Account with us that was sold and assigned to another institution. In the\nevent your Account is sold to another institution, we reserve the right to deny your application for another\ncredit card on this basis. In the event your Account is sold to another institution, the purchaser may elect\nto offer you Account terms and conditions which differ from those set forth in this Agreement and which\nmay include an Annual Percentage Rate which is substantially higher than the Annual Percentage Rate\noffered by us. The purchaser may also offer you the option of rejecting the new terms and conditions, but\nit is highly probable that your rejection of new terms and conditions offered by a purchaser would result in\ncancellation of your right to make purchases or obtain cash advances with your Card. In the event your\ncard is canceled under these circumstances, and your account was assessed an annual fee, we will\nrefund a portion of your annual fee. The amount of the refund will be determined by multiplying the annual\nfee most recently charged to your Account by a fraction, the numerator of which is the number of days\nremaining in the one year period covered by the fee and the denominator of which is 365. It may be\nnecessary for you to provide us with a written request for the refund since we may not have access to\nrecords indicating who would be entitled to a refund. In the event your Card is canceled, you will still be\nobligated to pay the existing balance of your Account in accordance with the terms of this Agreement.\nAPPLICABLE LAW:\nThis Agreement is governed by applicable federal law and by Tennessee law, without regard to its\nconflicts of law provisions.\nNOTICE FOR ACTIVE DUTY MILITARY MEMBERS AND THEIR DEPENDENTS:\nThrough the Military Lending Act, effective October 3, 2017, federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed\nIBERIABANK, a division of First Horiz on Bank\n\n8\n\n(v. 5/1/2020)\n\n\x0can annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nPlease call 1-800-667-6035 (toll-free) to receive oral disclosures about the Military Lending Act and your\nrelated credit card payment obligations.\n\nYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write us at:\nCustomer Service\nP.O. Box 84032\nColumbus, GA 31908-4032\nIn your letter, provide the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also\ntell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nIBERIABANK, a division of First Horiz on Bank\n\n9\n\n(v. 5/1/2020)\n\n\x0cAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made the mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with\nthe applicable interest and fees. We will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between us. If\nwe do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these\nare necessary if your purchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your Card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nIBERIABANK\nP.O. Box 84032\nColumbus, GA 31908-4032.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\nIBERIABANK, a division of First Horiz on Bank\n\n10\n\n(v. 5/1/2020)\n\n\x0cCREDIT CARD PRICING INFORMATION ADDENDUM\n\nVisa Secure Classic Interest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n17.99%.\nThis rate will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n17.99% This APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n23.99%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will\nbegin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFees\n\xe2\x80\xa2 Annual Fee:\n\n$25\n\n\xe2\x80\xa2 Additional Card Fee:\n\n$5 per occurrence\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\n2% of the amount of each transfer\n\n\xe2\x80\xa2 Cash Advance:\n\nEither $5 or 5% of the amount of each cash advance,\nwhichever is greater (Maximum fee: $100)\n\n\xe2\x80\xa2 Foreign Transaction:\n\n2% of the transaction amount for all transactions where the merchant is not in the\nUnited States, regardless of whether a currency conversion occurs.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\nUp to $37\n\n\xe2\x80\xa2 Returned Payment:\n\nUp to $37\n\nRates applicable to this account are as follows:\nPurchases \xe2\x80\x93 17.99%. This APR will vary with the market based on the Prime Rate.\nCash Advances and Convenience Checks \xe2\x80\x93 An Annual Percentage Rate of 23.99%.\nBalance Transfers \xe2\x80\x9317.99%. This APR will vary with the market based on the Prime Rate.\nIndex \xe2\x80\x93 As of March 16, 2020 the U.S. Prime Rate is 3.25%\n\nIBERIABANK, a division of First Horiz on Bank\n\n11\n\n(v. 5/1/2020)\n\n\x0cThe ANNUAL PERCENTAGE RATES (APRs) applicable to this account may vary or increase monthly. The APRs will be determined\nmonthly by adding a Spread to an Index. The Index for each billing cycle is the highest U.S. \xe2\x80\x9cPrime Rate\xe2\x80\x9d published in the Money\nRates Table of the Wall Street Journal during the calendar month immediately preceding the calendar month in which the billing\ncycle ends. In each case, the spreads applicable to your Account will be based on our assessment of your creditworthiness at the time\nof your application.\nHow We Will Calculate Your Balance:\nTo calculate your balance we use a method called \xe2\x80\x9caverage daily balance (including new purchase).\xe2\x80\x9d We figure the interest charge on\nyour account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take\nthe beginning balance of your account each day, add any new [purchases/advances/fees], and subtract [any unpaid interest or other\nfinance charges and] any payments or credits. This gives us the daily balance. Then, we add up all the daily balances of the billing\ncycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n\nIBERIABANK, a division of First Horiz on Bank\n\n12\n\n(v. 5/1/2020)\n\n\x0cIBERIABANK, a division of First Horiz on Bank\n\n13\n\n(v. 5/1/2020)\n\n\x0c'


b'IMPORTANT INFORMATION TO\nREAD AND SAVE\n\nCARDHOLDER CREDIT CARD\nAGREEMENT AND\nADDITIONAL DISCLOSURES\n(MEMBERSHIP RULES)\n\nCARDHOLDER CREDIT CARD AGREEMENT AND ADDITIONAL DISCLOSURES\nThis Cardholder Credit Card Agreement and Additional Disclosures (\xe2\x80\x9cAgreement\xe2\x80\x9d) sets forth the terms of\nyour credit card account with IBERIABANK, a division of First Horizon Bank. Please read this Agreement\ncarefully and keep it for your records.\nMEANING OF WORDS:\nIn this agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, \xe2\x80\x9cyours\xe2\x80\x9d, and \xe2\x80\x9cBorrower\xe2\x80\x9d mean anyone who signs the Credit\nCard Application or otherwise agrees in writing to be obligated under this Agreement. The words \xe2\x80\x9cwe\xe2\x80\x9d,\n\xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cour\xe2\x80\x9d mean IBERIABANK, a division of First Horizon Bank, a state-chartered bank organized\nunder the laws of the State of Tennessee headquartered at 165 Madison Avenue, Memphis, Tennessee\n38103, and the creditor under this Agreement. The word \xe2\x80\x9cAccount\xe2\x80\x9d means your Credit Card Account with\nus. The word \xe2\x80\x9cCard(s)\xe2\x80\x9d means any Visa Credit Card(s) that we issue on your Account. The word\n\xe2\x80\x9cPurchases\xe2\x80\x9d means amounts charged to your Account when you use your Card(s) or give your Account\nnumber to buy or lease goods or services. \xe2\x80\x9cPurchases\xe2\x80\x9d also means the fees and charges which, when\ncharged to your Account, are treated as purchases and are subject to an INTEREST CHARGE. The\nphrase \xe2\x80\x9cCash Advances\xe2\x80\x9d means loans charged to your Account obtained by use of your Card, your\nAccount number or your Convenience Checks. The phrase \xe2\x80\x9cConvenience Checks\xe2\x80\x9d means checks\ncharged to your Account which are used to purchase or lease goods or services or obtain cash. The\nphrase \xe2\x80\x9cBalance Transfer Checks\xe2\x80\x9d means checks charged to your Account which are used to pay credit\nor charge accounts at another financial institution or merchant.\nYOUR RESPONSIBILITY:\nThis Agreement applies to any Card(s) we have issued to you. You will be obligated and bound by this\nAgreement the moment you use your Card(s), whether for a Purchase, Balance Transfer or Cash\nAdvance. You also agree to any amendments we may make to this Agreement from time to time by\nmaking a Purchase, Balance Transfer or Cash Advance after the date of any such amendment. If you\napplied for a joint account, each of you will be bound to this Agreement and obligated to pay all amounts\nowing on the Account. Upon request we may issue additional Cards to person(s) you authorize to use the\nAccount. Anyone you authorize to use the Account is also subject to the terms of this Agreement;\nhowever you remain responsible for paying all charges such authorized person(s) make with the Card(s).\nPROMISE TO PAY:\nWhen you use your Account or permit anyone else to use it for a Purchase or Cash Advance, you\npromise to pay us in accordance with the terms of this Agreement, the total amount of all Purchases and\nCash Advances. You also promise to pay any INTEREST CHARGE owing under this Agreement as\nexplained below. We do not waive our rights to collect the full amount due if you pay late or you pay part\nof the bill, even if you write the words \xe2\x80\x9cPaid in Full\xe2\x80\x9d (or similar words) on any correspondence to us.\n\n1\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0cCREDIT LIMIT:\nYour Account will have a credit limit that we set. We may change the limit at any time and for any reason\nand, if we do, we will notify you promptly thereafter. You agree that the outstanding balance of your\nAccount (including INTEREST CHARGES) will never exceed the credit limit amount, but that if we allow it\nto, which we may, at our sole discretion, you agree to promptly pay us the excess when asked. You can\napply for a higher credit limit at any time if you wish, which will be reviewed according to our then-current\nunderwriting standards, practices and procedures.\nANNUAL MEMBERSHIP FEE:\nThere is no Annual Membership Fee.\nPURCHASES:\nSubject to available credit, you may use your Card(s) to charge purchases of goods and services\nwherever the Card(s) is/are accepted. Except as provided in the accompanying notice about your rights to\ndispute any billing errors, we will not be responsible to you for any claims about the quality of goods or\nservices purchased with our Card(s). We also are not and will not be responsible for any damage or injury\ncaused by goods or services that you purchase with your Card(s).\nCASH ADVANCES:\nSubject to available credit, you may use your Card(s) to obtain Cash Advances (borrow money) at any\nparticipating bank by presenting your Card(s) and completing a Cash Advance Slip. You may also use\nyour Card(s) to obtain Cash Advances from any Automated Teller Machines (ATMs) that accept the\nCard(s). Cash Advances and ATM Withdrawals will be limited to 50% of your available credit line. You\nagree to pay us a Cash Advance Fee of five percent (5%) of the transaction amount for all such\ntransactions, subject to a minimum fee of $5 and a maximum fee of $100 per transaction. The Cash\nAdvance Fee will apply to all Cash Advances, excluding balance transfers.\nCONVENIENCE CHECKS:\nWe may issue Convenience Checks on your Account and you may use them as regular checks; however,\nyou cannot use a Convenience Check to pay any amount owing on your Credit Card Account under this\nAgreement. Convenience Checks will be treated as Purchases on your Account. We may not pay any\nConvenience Check if, by paying the check, your unpaid balance would exceed your credit limit, you are\nattempting to pay another account you may have with us, if you are in default, or if we have canceled your\ncredit availability. If we decline to pay a Convenience Check for any of the above reasons, we may\ncharge you a fee of up to $37.00.\nBALANCE TRANSFERS:\nWe may permit you to transfer a balance from your credit card account(s) at other financial institutions\nor merchants; however, we will not pay a Balance Transfer Check if by paying the check your unpaid\nbalance would exceed your credit limit, if the Check was written for a purpose other than transferring the\nbalance of another credit account to your Account with us, if you are in default, or if we have canceled\nyour credit availability. If we decline to pay a Balance Transfer Check for any of the above reasons, we\nmay charge you a fee of up to $37.00. Balance Transfers will be treated as Purchases.\nYou agree to pay us a Balance Transfer Fee of two percent (2%) of the transaction amount for all\nBalance Transfers accepted. There is no minimum or maximum fee applicable to such transactions. The\nfee will apply to all Balance Transfers.\nMONTHLY STATEMENT:\nAt the end of every monthly billing period, we will send you a billing statement advising you of the status\nof your Account, if there is a balance on it, or if we have imposed an INTEREST CHARGE. This billing\nstatement will include such items as the advances we made for you, the INTEREST CHARGE imposed,\nthe payments we received, the total amount you owe us (the \xe2\x80\x9cNew Balance\xe2\x80\x9d), the minimum payment you\nmust make to us and when that payment is due. The payment due date is twenty-five (25) days from the\nclosing date for billing. As explained below, late payment can result in a Late Fee.\n2\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0cMINIMUM PAYMENT:\nYou can pay off all your purchases and advances in full each month, or you can pay in monthly\ninstallments. If you decide to pay in installments, your minimum payment due at the end of each\nbilling period will depend on the APRs that apply to your Account, as shown in your monthly\nstatement (Purchase APR, Balance Transfer APR and Cash Advances APR).\nIf all APRs are 23.49% or lower at the end of any billing period, then you must pay us, each\nbilling cycle, a minimum payment of at least $15 or 2% of your outstanding balance, whichever is\ngreater. The minimum payment is rounded up to the next whole dollar and also includes the\ngreater of any past due amounts or amounts that exceed your credit limit. Account balances less\nthan $15 will be due in full.\nIf any APR is Over 23.49% at the end of any billing period, then you must pay us, each billing\ncycle, a minimum payment of at least $25 or 3% of your outstanding balance, whichever is\ngreater. The minimum payment is rounded up to the next whole dollar and also includes the\ngreater of any past due amounts or amounts that exceed your credit limit. Account balances less\nthan $25 will be due in full.\nLATE FEES:\nIf we do not receive at least the minimum monthly payment, on or before the Payment Due Date shown\non your monthly statement, you may be charged a late fee based on the balance of your Account for each\nsuch late payment up to $37. Late Fees will be identified on your monthly statement and treated as\npurchases due currently.\nDOCUMENT RETRIEVAL AND OTHER FEES:\nA fee of $5.00 will apply per page for requested statement copies. If you make a payment by phone by\ncalling one of our customer service representatives you will be assessed a fee of $7.00 per payment\nmade. If you request a copy of any Sales Slip or Cash Advance Slip, we will charge you $13.00 for each\ncopy provided. However, there will be no charge to you for copies provided in response to a billing error\ninquiry and we determine the error was our fault. We may charge a fee of up to $37.00 for any check\nreturned to us, for any reason, as nonpayable. We may charge a fee of $5.00 each time we provide you\nwith an additional or replacement Card at your request. We may charge you a fee of $10.00 each time we\nstop payment of a Convenience Check or a Balance Transfer Check at your request. We may charge you\na fee of $10.00 each time we change the monthly Payment Due Date for your Account at your request.\nWe may charge you a fee of $15.00 if we delete a Cardholder or an additional authorized Signer at your\nrequest. You are entitled to have a total of two Cardholders and additional authorized Signers on your\nAccount at no charge. We may charge you a fee of $15.00 for adding any additional Cardholders or\nauthorized Signers. We may charge you a fee of $5.00 for sending you a replacement Personal\nIdentification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) mailer or changing the PIN assigned to you.\nAPPLICATION OF PAYMENTS:\nIn accordance with applicable law, we will choose the order in which any Minimum Payment will be\napplied to your indebtedness to us at the time the payment is made. Any payment you make in excess of\nany required Minimum Payment will be applied first to balances with the highest ANNUAL PERCENTAGE\nRATE and then to each successive balance bearing the next highest ANNUAL PERCENTAGE RATE.\nPayments in excess of the required Minimum Payment will not affect your obligation to make future\nrequired Minimum Payments, calculated in accordance with this Agreement, while any balances are\noutstanding. We will allow time for checks and automatic payments to be honored by your bank before\nmaking adjustments to your available credit for future Purchases, Cash Advances or Balance Transfers.\nPayments received after 5:00 p.m. which are mailed to the address on your monthly statement will be\nposted the following business day. From time to time, we may let you skip or reduce one or more monthly\npayments during a year (note, interest will continue to accrue on your Average Daily Balance (as\ndiscussed below) regardless of any skip or reduced payment feature) and/or we may temporarily reduce\nor eliminate certain INTEREST CHARGES on all or a portion of your Credit Card account balance or offer\nyou other special terms. If we do, we will advise you of the scope and duration of the applicable skip or\npromotional feature. All terms and conditions of the agreement unaffected by the skip or promotional\n3\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0cfeature will continue to apply for the duration of the skip or promotion feature, and when the skip or\npromotional feature ends all affected terms or conditions of the Agreement will resume.\nINTEREST CHARGE:\nEach billing cycle, we will charge interest to you on the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d (as discussed below) for\neach type of transaction on your Account. By type of transaction, we mean Purchases (including those\nmade by Convenience Checks), Cash Advances, Balance Transfers, and any transactions subject to\nspecial offers, etc. To calculate the INTEREST CHARGE owed on your Account for each billing cycle, we\nfirst determine the Average Daily Balance for each type of transaction during the billing cycle. Next, we\napply the applicable interest rate (i.e., the \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d as discussed below) to the Average\nDaily Balance. Then, we multiply the resulting amount by the number of days in the billing cycle. After\ncalculating the amount of interest owed for each type of transaction during the billing cycle (i.e.,\nPurchases, Cash Advances, Balance Transfers), we add together these amounts to determine the total\nINTEREST CHARGE owed on your Account for the billing cycle.\nFor example, the INTEREST CHARGE on Purchases for a billing cycle is computed by applying the\n\xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d to the Average Daily Balance. To get the \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d applicable to\nthe current billing cycle, the Annual Percentage Rate (APR) in effect is divided by 12. The \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d of Credit Purchases is determined by dividing the sum of the daily balances of Purchases\n(including new Purchases) during the billing cycle by the number of days in the cycle.\nAVOIDING INTEREST CHARGES ON PURCHASES:\nYour payment due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on Purchases if you pay the entire New Balance by the payment due date each billing cycle.\nExcept as described in the preceding sentence, if you do not pay your entire balance by the payment due\ndate, we will start charging interest on each new Purchase on the later of (1) the date you make the\nPurchase, or (2) the first day of the billing cycle in which we add the Purchase to your Account.\nIf you are charged interest on Purchases, the minimum INTEREST CHARGE for any billing cycle is\n$0.50.\nWHEN INTEREST CHARGES START ON CASH ADVANCES:\nYou cannot avoid INTEREST CHARGES on Cash Advances. INTEREST CHARGES on Cash Advances\nbegin on the date of the advance and continue until your Cash Advance Balance is paid in full. The\nAverage Balance of Cash Advances is the sum of the unpaid balances of Cash Advances of each day of\nthe current billing cycle divided by the number of days in the current billing cycle.\nThe minimum INTEREST CHARGE is $0.50.\nINTRODUCTORY ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES:\nFor the first twelve (12) months following the account opening date, the ANNUAL PERCENTAGE RATE\n(APR) for purchases will be equal to ZERO (0.00%). This introductory ANNUAL PERCENTAGE RATE\n(APR) applies only to purchases made during the first twelve billing cycles following account opening and\nafter the introductory twelve-month period will revert back to the ANNUAL PERCNETAGE RATE (APR)\nfor purchases shown on the cardmailer Account Opening Disclosure.\nANNUAL PERCENTAGE RATE:\nThe ANNUAL PERCENTAGE RATES (APRs) applicable to your Account may vary or increase. The\nAPRs will be determined monthly by adding a Spread to an Index. The Index for each billing cycle is the\nU.S. \xe2\x80\x9cPrime Rate\xe2\x80\x9d published in the Money Rates table of The Wall Street Journal during the calendar\nmonth immediately preceding the calendar month in which the billing cycle ends. In each case, the\nspreads applicable to your Account will be based on our assessment of your creditworthiness at the time\nof your application. Please see cardmailer for specific information that relates to the current value of the\nindex and your applicable spread.\n\n4\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0cCREDIT BALANCE:\nIf your total New Balance is a credit balance, we will refund the amount of the credit to you promptly, if\nyou request us to in writing, or as required by law.\nFOREIGN TRANSACTIONS:\nIf you make any purchase in foreign currencies, Visa U.S.A. will convert the foreign currencies into U.S.\nDollars using their applicable currency conversion procedures. Currently, the conversion procedures\nutilize a rate selected from a range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate they receive, or the government mandated\nrate in effect for the applicable central processing date, in each instance, plus or minus any adjustment\ndetermined by us. You agree to pay us the sum in U.S. Dollars as converted by Visa U.S.A. The currency\nconversion rate used on the conversion date may differ from the rate in effect on the date you used your\nCard. Transactions with a foreign merchant may or may not involve a currency conversion. You agree to\npay us a foreign transaction fee of two percent (2%) of the transaction amount for all transactions where\nthe merchant country is not the United States, regardless of whether a currency conversion occurs.\nILLEGAL TRANSACTIONS:\nYou may not use your Account for any illegal transaction, whether where you live or where the transaction\ntakes place. You also agree not to use your Account for any Internet or online gambling transaction even\nif it is legal. We may refuse to authorize any illegal, internet or online gambling transaction. If we do\nauthorize the transaction, you agree to pay us for it unless such payment is prohibited by applicable law.\nLOST CARDS AND LIABILITY FOR UNAUTHORIZED USE:\nIf you notice the loss or theft of your Credit Card or a possible unauthorized use of your Account, you\nshould write to us immediately at: Customer Service, P.O. Box 84032, Columbus, GA 31908-4032, or\ncall us at 1-800-765-0853. You will not be liable for any unauthorized use that occurs after you notify us.\nYou may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your\nliability will not exceed $50.\nCANCELLATION OF CREDIT AVAILABILITY AND CREATION OF NEW ACCOUNTS:\nWe can cancel your Account any time and will notify you of such by phone or by writing you at the\naddress shown for you on our Account records. You can cancel your Account by writing to us. Of course,\nif your Account is canceled, you are required to pay everything you owe us, including any amounts that\nhave not been billed to you yet. You are also required to return all Card(s) we have given you. In the\nevent we cancel your Account, we may offer to enter into a new contract with you establishing a new\nAccount to replace the one we canceled. One method we may use to offer you a new contract is to\ninclude a notice in your monthly billing statement (i) advising you of the cancellation of your existing\nAccount, (ii) offering to enter into a new contract with you establishing a new Account which you can\naccess with your existing Card, (iii) setting forth the terms of the new contract (which may include terms\nincorporated by reference from this or any other agreement we have previously had with you) and (iv)\nadvising you that your use of the Card to purchase goods or services or obtain cash after you have\nreceived the notice will constitute your agreement to the terms of the new contract. You and we now\nagree that our sending such a notice to you, coupled with your subsequent use of your Card in the\nmanner set forth in the notice, will be one means by which we can form a valid, enforceable contract with\none another on the terms set forth in the notice.\nDEFAULT:\nIf you are in default, we may require you to pay the entire unpaid balance of your Account at once. We\nmay also cancel your right to charge amounts to the Account. If we ask, you agree to promptly cut in half\nand return to us all Credit Card(s) and also any other Credit Access Devices we may have issued for your\nAccount. You will be in default if you do not make a payment on time on this Account or any other loan\nfrom us, if you go over the credit limit on the Account or if you break any promises under this or any other\nagreement with us. You will also be in default if you die, become bankrupt, give us false information to get\nthe Account or anything happens that leads us to believe in good faith that you will not pay us what you\nowe us or keep your promises to us. You will also be in default if the usual business of any persons or\n5\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0corganization that must pay on this Account is suspended, stopped or someone tries by legal process to\nreorganize, liquidate or dissolve the business. Copies of documents like Monthly Statements, Sales Slips,\nCash Advance forms and Loan Checks will be competent evidence before a court to establish the amount\nyou owe to us. We will have no obligation to produce the originals.\nCOLLECTION COSTS:\nIf you default, you agree to pay our collection costs, including court costs and reasonable attorney\xe2\x80\x99s fees.\nOTHERS USING YOUR ACCOUNT:\nYou promise to pay for all transactions (including, for example, Purchases and Cash Advances) made by\nanyone you authorize to use your Account, whether or not you notify us that they will be using it. If\nsomeone else is authorized to use your Account and you want to end that person\xe2\x80\x99s privilege, you must\nnotify us in writing and provide us a reasonable opportunity to act on such written notification. If he or she\nhas a Card you must return that Card with your written notice.\nREWARDS PROGRAMS:\nYour card may be associated with a bonus points or similar rewards program. Your participation in such a\nrewards program is subject to the particular rewards program\xe2\x80\x99s terms and conditions (the \xe2\x80\x9cProgram\nRules\xe2\x80\x9d). Your use of the card associated with the rewards program is your consent to be bound by the\nProgram Rules. The Program Rules may, from time to time, be modified or amended, including but not\nlimited to discontinuing particular rewards or discontinuing the rewards program itself.\nThe latest edition of Program Rules will typically be provided with the associated Card or otherwise made\navailable to you, for example, by visiting a particular internet address. We will provide a copy of such\nProgram Rules upon request. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING\nTHE CONDITION, QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF\nANY GOODS OR SERVICES PURCHASED WITH BONUS POINTS, AND WE WILL HAVE NO\nLIABILITY FOR ANY DEFECTS IN SUCH GOODS OR SERVICES OR FOR ANY DAMAGES\nRESULTING FROM THEIR USE.\nARBITRATION:\nAs of October 3, 2017, this section, Arbitration, does not apply if, on the date you enter into this\nAgreement or on the date we seek to invoke our arbitration provision, you are covered by the\nfederal Military Lending Act as an active duty member of the Armed Forces, on active Guard or\nReserve duty, or a dependent of such a member.\nTHIS ARBITRATION PROVISION LIMITS YOUR AND OUR RIGHT TO LITIGATE CLAIMS IN COURT\nAND YOUR RIGHT TO A JURY TRIAL. YOU SHOULD READ THIS PROVISION CAREFULLY. Any\nclaim, dispute, or controversy (a \xe2\x80\x9cDispute\xe2\x80\x9d) between you and us including without limitation those related\nto this Agreement, your Account, goods or services purchased in whole or part by use of your Account or\nthose relating to the validity, enforceability or scope of this arbitration provision shall be resolved, upon\nthe election of you or us, by binding arbitration pursuant to this arbitration provision and the Commercial\nArbitration Rules and Procedures of the American Arbitration Association (AAA). This arbitration provision\nalso applies to any Dispute between you and any of our employees, our affiliate companies and any of\ntheir employees. This arbitration provision is made pursuant to a transaction involving interstate\ncommerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. S1-16. The arbitrator shall\napply applicable substantive law consistent with the Federal Arbitration Act and applicable statutes of\nlimitations and shall honor all claims of privilege recognized by law. This arbitration provision is fully\nbinding in the event a class action is filed in which you would be a class representative or member. You\nand we agree that arbitrations pursuant to this arbitration provision which involve you and us and/or us\nand any other person cannot be consolidated. You and we further agree that there shall be no class\naction arbitration pursuant to this arbitration provision. This arbitration provision shall survive the\ninactivation or termination of the Agreement or your Account. If any portion of this arbitration provision is\ndeemed invalid or unenforceable, the remaining provisions are severable and enforceable to the fullest\nextent permitted by law. This arbitration provision supersedes any prior arbitration provision that there\nmay be between you and us related to the Account.\n6\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0cTo Start Arbitration: Either you or we can start arbitration any time a Dispute arises between you and us.\nTo start arbitration, you or we must contact the AAA at:\nAmerican Arbitration Association\n1101 Laurel Oak Road, Suite 100\nVoorhees, NJ 08043-4301\nFor more information about the arbitration process or to obtain a copy of the Commercial Arbitration\nRules and Procedures, contact the AAA at 1-800-778-7879 or log onto their website at\nhttp://www.adr.org.\nNo Waiver: You and we agree that bringing a lawsuit, counterclaim, or other action in court shall not be\ndeemed a waiver of the right to demand arbitration of any Dispute brought by the other party. As an\nexample, and not by way of limitation, if we file a lawsuit against you in court to collect a debt and you file\na counterclaim against us in that lawsuit, we have the right to demand that the entire Dispute, including\nour original lawsuit against you and your counterclaim against us, be arbitrated in accordance with this\narbitration provision. You and we agree that bringing the lawsuit shall not operate as a waiver of our right\nto demand arbitration.\nCost of Arbitration: If you start arbitration, you agree to pay the initial filing fee and deposit required by the\nAAA. If we start arbitration we will pay the filing fee and deposit. If you believe you are financially unable\nto pay such fees you may ask the AAA to defer or reduce such fees, pursuant of the Commercial\nArbitration Rules and Procedures. If the AAA does not defer or reduce such fees so that you are able to\nafford them we will, upon your written request, pay the fees, subject to any later allocation of the fees and\nexpenses between you and us by the arbitrator. There may be other costs during the arbitration, such as\nattorney\xe2\x80\x99s fees, expenses of travel to arbitration, and the costs of the arbitration hearings. The\nCommercial Arbitration Rules and Procedures determine who will pay those fees.\nLocation of Arbitration: Any arbitration hearing will take place in the state in which you live unless you and\nwe both agree to another location.\nEnforcement of Arbitration: After the arbitrator has made a decision, either you or we may take any legal\naction, including filing a lawsuit, to enforce the arbitrator\xe2\x80\x99s decision in any federal or state court that has\njurisdiction.\nCHANGE OF ADDRESS:\nIf you move, you must notify us of your new address as well as your new phone numbers in writing.\nPlease write the updated information on the payment stub of your Monthly Statement so we can change\nour records.\nINFORMATION ABOUT YOU AND YOUR CREDIT:\nYou promise that the information you gave us to open your Account is true. You also promise to tell us\nright away and to stop using the Account if (1) you plan to file for bankruptcy or (2) are otherwise unable\nto pay your debts. We may look again at your financial condition and credit standing at any time for any\nreason. You agree to let us do this and help with any investigation of your credit record. A negative credit\nreport reflecting on your credit record may be submitted to one or more reporting agencies if you fail to\nfulfill your obligations under this Agreement.\nTELEPHONE MONITORING; CONSENT TO COMMUNICATION:\nTo ensure our employees give accurate and courteous customer service, sometimes your call may be\nmonitored by a second employee and/or recorded. You agree to this monitoring and recording. We may\ncontact you using (1) any information or phone numbers (including cell phone numbers) you provide to us\non your Application or otherwise and (2) an automated telephone dialing system and/or artificial or\nprerecorded voice message, even if you are charged for the call under your phone plan.\nNO WAIVER OF OUR RIGHTS:\nSometimes we may decide not to exercise a right we have under this Agreement, like charging you a fee,\nor we may decide to do something less than we are authorized to do under this Agreement, like charging\n7\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0ca lesser fee than we are entitled to charge. If we do not exercise, or fully exercise a right of ours under\nthis Agreement, we do not waive the right to exercise or fully exercise the right in the future. We can do all\nthings permitted under this Agreement even if we did something differently one or more times in the past\non a similar event or occurrence.\nAMENDMENT:\nWe can amend this Agreement from time to time upon forty-five (45) days advance notice to you. The\nnew terms, including any increase or decrease in the fees, charges or periodic rate, shall apply both to\nNew Purchases and to New Cash Advances made on and after the effective date. In case of any change\nin the periodic rate or certain fees, the new fees, periodic rate and APR will not be more than the\nmaximum rate permitted by applicable law.\nASSIGNMENT:\nWe can assign this Agreement to others upon proper notification to you. You may not assign this\nagreement to others without our permission. We have in the past sold and assigned all or part of its credit\ncard portfolio to one, or more, financial institutions. At our sole discretion, we reserve the right to do so\nagain, and any such sale may include your Account. We have also denied credit solely on the basis that\nthe applicant previously had an Account with us that was sold and assigned to another institution. In the\nevent your Account is sold to another institution, we reserve the right to deny your application for another\ncredit card on this basis. In the event your Account is sold to another institution, the purchaser may elect\nto offer you Account terms and conditions which differ from those set forth in this Agreement and which\nmay include an Annual Percentage Rate which is substantially higher than the Annual Percentage Rate\noffered by us. The purchaser may also offer you the option of rejecting the new terms and conditions, but\nit is highly probable that your rejection of new terms and conditions offered by a purchaser would result in\ncancellation of your right to make purchases or obtain cash advances with your Card. In the event your\ncard is canceled under these circumstances, and your account was assessed an annual fee, we will\nrefund a portion of your annual fee. The amount of the refund will be determined by multiplying the annual\nfee most recently charged to your Account by a fraction, the numerator of which is the number of days\nremaining in the one year period covered by the fee and the denominator of which is 365. It may be\nnecessary for you to provide us with a written request for the refund since we may not have access to\nrecords indicating who would be entitled to a refund. In the event your Card is canceled, you will still be\nobligated to pay the existing balance of your Account in accordance with the terms of this Agreement.\nAPPLICABLE LAW:\nThis Agreement is governed by applicable federal law and by Tennessee law, without regard to its\nconflicts of law provisions.\nNOTICE FOR ACTIVE DUTY MILITARY MEMBERS AND THEIR DEPENDENTS:\nThrough the Military Lending Act, effective October 3, 2017, federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed\nan annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nPlease call 1-800-667-6035 (toll-free) to receive oral disclosures about the Military Lending Act and your\nrelated credit card payment obligations.\n\n8\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0cYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write us at:\nCustomer Service\nP.O. Box 84032\nColumbus, GA 31908-4032\nIn your letter, provide the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also\ntell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made the mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with\nthe applicable interest and fees. We will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between us. If\n9\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0cwe do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these\nare necessary if your purchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your Card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nIBERIABANK\nP.O. Box 84032\nColumbus, GA 31908-4032.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\n10\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0cCREDIT CARD PRICING INFORMATION ADDENDUM\n\nVisa Platinum Interest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n0.00% Fixed introductory APR for twelve billing periods from your account open date.\nAfter that, 13.99%, 18.99% or 22.99% based on your creditworthiness.\nThis rate will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers 1.99% introductory APR for six billing periods from the date the balance transfer posts.*\nAfter that, your APR will be the same as your assigned purchase rate. This APR will vary\nwith the market based on the Prime Rate.\nAPR for Cash Advances\n\n23.99%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFees\n\xe2\x80\xa2 Annual Fee:\n\nNone\n\n\xe2\x80\xa2 Additional Card Fee:\n\n$5 per occurrence\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\n2% of the transfer amount\n\n\xe2\x80\xa2 Cash Advance:\n\nEither $5 or 5% of the amount of each cash advance, whichever is\ngreater (Maximum fee: $100)\n\n\xe2\x80\xa2 Foreign Transaction:\n\n2% of the transaction amount for all transactions where the merchant country is not the\nUnited States, regardless of whether a currency conversion occurs.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\nUp to $37\n\n\xe2\x80\xa2 Returned Payment:\n\nUp to $37\n\n*Introductory APR offer for Balance Transfer - Introductory Balance Transfer request must be made within three (3) months of\naccount open date to take advantage of this promotional offer. Balance Transfers requested after this time will have an APR equal to\nyour assigned purchase rate (excluding any introductory APR). This Rate will not change during the introductory period. After that,\nyour APR will be the same as your assigned purchase rate, based on your credit worthiness; this APR will vary based on the Prime Rate.\nRates applicable to this account are as follows:\nPurchases \xe2\x80\x93 13.99%, 18.99% or 22.99% based on creditworthiness. This APR will vary with the market based on the Prime\nRate.\n11\nIBERIABANK,\na division\nFirst Horiz on Bank\nCash\nAdvances\nandof\nConvenience\nChecks \xe2\x80\x93 An Annual Percentage Rate of 23.99%.\n\n(v. 5/1/2020)\n\n\x0cBalance Transfers \xe2\x80\x93 An APR of 1.99%, having a Monthly Periodic Rate of 0.17%, for the first six (6) billing cycles from the date\nthe check is posted to the account. Introductory Balance Transfer request must be made within three (3) months of account\nopen date to take advantage of this promotional offer. Balance Transfers requested after this time will have an APR equal to\nyour assigned purchase rate (excluding any introductory APR), variable rate based on your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\nThe Variable Purchase Rate will apply to any Balance Transfer Checks that are posted during a non promotional period.\nIndex \xe2\x80\x93 As of March 16, 2020 the U.S. Prime Rate is 3.25%\nThe ANNUAL PERCENTAGE RATES (APRs) applicable to this account may vary or increase monthly. The APRs will be determined\nmonthly by adding a Spread to an Index. The Index for each billing cycle is the highest U.S. \xe2\x80\x9cPrime Rate\xe2\x80\x9d published in the Money Rates\nTable of the Wall Street Journal during the calendar month immediately preceding the calendar month in which the billing cycle ends.\nIn each case, the spreads applicable to your Account will be based on our assessment of your creditworthiness at the time of your\napplication.\nHow We Will Calculate Your Balance:\nTo calculate your balance we use a method called \xe2\x80\x9caverage daily balance (including new purchase).\xe2\x80\x9d We figure the interest charge on\nyour account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take\nthe beginning balance of your account each day, add nay new [purchases/advances/fees], and subtract [any unpaid interest or other\nfinance charges and] any payments or credits. This gives us the daily balance. Then, we add up all the daily balances of the billing cycle\nand divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n\n12\nIBERIABANK, a division of First Horiz on Bank\n\n(v. 5/1/2020)\n\n\x0c'