COLLECTION COSTS: 
If you default, you agree to pay our collection costs, 
including  court  costs  and  reasonable  attorney’s 
fees. 

OTHERS USING YOUR ACCOUNT: 
You promise to pay for all transactions (including, 
for  example,  Purchases  and  Cash  Advances) 
made  by  anyone  you  authorize  to  use  your 
Account, whether or not you notify us that they will 
be  using  it.  If  someone  else  is  authorized  to  use 
your  Account  and  you  want  to  end  that  person’s 
privilege, you must notify us in writing and provide 
us a reasonable opportunity to act on such written 
notification. If he or she has a Card you must return 
that Card with your written notice.

YOUR  BILLING  RIGHTS:  Keep  this  Document 
for Future Use
This  notice  tells  you  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act.

What  To  Do  If  You  Find  A  Mistake  On  Your 
Statement
If  you  think  there  is  an  error  on  your  statement, 
write us at:
Customer Service 
P.O. Box 84032
Columbus, GA 31908-4032
In your letter, give us the following information:
• Account  information:  Your  name  and  account

number.

• Dollar  amount:  The  dollar  amount  of 

the

suspected error.

• Description  of  problem:  If  you  think  there  is  an
error  on  your  bill,  describe  what  you  believe  is
wrong and why you believe it is a mistake.

You must contact us:
• Within 60 days after the error appeared on your

statement.

• At  least  3  business  days  before  an  automated
payment  is  scheduled,  if  you  want  to  stop
payment on the amount you think is wrong.

You must notify us of any potential errors in writing. 
You may call us, but if you do we are not required 
to  investigate  any  potential  errors  and  you  may 
have to pay the amount in question.

What Will Happen After We Receive Your Letter
When  we  receive  your  letter,  we  must  do  two 
things:
1. Within 30 days of receiving your letter, we must
tell you that we received your letter. We will also
tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must
either correct the error or explain to you why we
believe the bill is correct.

While we investigate whether or not there has 
been an error:
• We cannot try to collect the amount in question,

or report you as delinquent on that amount.

• The  charge  in  question  may  remain  on  your
statement, and we may continue to charge you
interest on that amount.

• While  you  do  not  have  to  pay  the  amount  in
question, you are responsible for the remainder
of your balance.

• We  can  apply  any  unpaid  amount  against  your

credit limit.

After  we  finish  our  investigation,  one  of  two 
things will happen:
• If we made the mistake: You will not have to pay
the  amount  in  question  or  any  interest  or  other
fees related to that amount.

• If we do not believe there was a mistake: You will
have to pay the amount in question, along with
the  applicable  interest  and  fees.  We  will  send
you a statement of the amount you owe and the
date payment is due. We may then report you as
delinquent if you do not pay the amount we think
you owe.

If you receive our explanation but still believe your 
bill is wrong, you must write to us within 10 days 
telling us that you still refuse to pay. If you do so, 
we  cannot  report  you  as  delinquent  without  also 
reporting  that  you  are  questioning  your  bill.  We 
must  tell  you  the  name  of  anyone  to  whom  we 
reported you as delinquent, and we must let those 
organizations  know  when  the  matter  has  been 
settled  between  us.  If  we  do  not  follow  all  of  the 
rules above, you do not have to pay the first $50 of 
the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your 
Credit Card Purchases
If  you  are  dissatisfied  with  the  goods  or  services 
that you have purchased with your credit card, and 
you have tried in good faith to correct the problem 
with the merchant, you may have the right not to 
pay  the  remaining  amount  due  on  the  purchase. 
To use this right, all of the following must be true:
1. The  purchase  must  have  been  made  in  your
home  state  or  within  100  miles  of  your  current
mailing  address,  and  the  purchase  price  must
have  been  more  than  $50.  (Note:  Neither  of
these are necessary if your purchase was based
on an advertisement we mailed to you, or if we
own  the  company  that  sold  you  the  goods  or
services.)

2. You  must  have  used  your  credit  card  for  the
purchase. Purchases made with cash advances
from an ATM or with a check that accesses your
credit card account do not qualify.

3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still 
dissatisfied with the purchase, contact us in writing 
at:
IBERIABANK 
P.O. Box 84032
Columbus, GA 31908-4032.
While we investigate, the same rules apply to the 
disputed  amount  as  discussed  above.  After  we 
finish our investigation, we will tell you our decision. 
At that point, if we think you owe an amount and 
you do not pay, we may report you as delinquent. 
REWARDS PROGRAMS: 
Your card may be associated with a bonus points 
or  similar  rewards  program.  Your  participation  in 
such a rewards program is subject to the particular 
rewards  program’s  terms  and  conditions  (the 
“Program Rules”). Your use of the card associated 
with  the  rewards  program  is  your  consent  to  be 
bound by the Program Rules. The Program Rules 
may, from time to time, be modified or amended, 
including but not limited to discontinuing particular 
rewards or discontinuing the rewards program itself. 
The  latest  edition  of  Program  Rules  will  typically 
be provided with the associated card or otherwise 
made  available  to  you,  for  example,  by  visiting  a 
particular Internet address. We will provide a copy 

of such Program Rules upon request. WE MAKE 
NO  WARRANTIES,  EXPRESS  OR  IMPLIED, 
REGARDING  THE  CONDITION,  QUALITY, 
MERCHANTABILITY  OR  FITNESS  FOR  A 
PARTICULAR  PURPOSE  OF  ANY  GOODS  OR 
SERVICES PURCHASED WITH BONUS POINTS, 
AND  WE  WILL  HAVE  NO  LIABILITY  FOR  ANY 
DEFECTS IN SUCH GOODS OR SERVICES OR 
FOR ANY DAMAGES RESULTING FROM THEIR 
USE. 

ARBITRATION: 
THIS  ARBITRATION  PROVISION  LIMITS  OUR 
RIGHT  TO  LITIGATE  CLAIMS  IN  COURT  AND 
YOUR RIGHT TO A JURY TRIAL. YOU SHOULD 
READ THIS PROVISION CAREFULLY. Any claim, 
dispute,  or  controversy  (a  “Dispute”)  between 
you  and  us  including  without  limitation  those 
related  to  this  Agreement,  your  Account,  goods 
or  services  purchased  in  whole  or  part  by  use 
of  your  Account  or  those  relating  to  the  validity, 
enforceability or scope of this arbitration provision 
shall be resolved, upon the election of you or us, 
by  binding  arbitration  pursuant  to  this  arbitration 
provision  and  the  Commercial  Arbitration  Rules 
and  Procedures  of 
the  American  Arbitration 
Association  (AAA).  This  arbitration  provision  also 
applies  to  any  Dispute  between  you  and  any  of 
our  employees,  our  affiliate  companies  and  any 
of  their  employees.  This  arbitration  provision  is 
made pursuant to a transaction involving interstate 
commerce  and  shall  be  governed  by  the  Federal 
Arbitration Act, 9 U.S.C. S1-16. The arbitrator shall 
apply  applicable  substantive  law  consistent  with 
the Federal Arbitration Act and applicable statutes 
of limitations and shall honor all claims of privilege 
recognized by law. This arbitration provision is fully 
binding in the event a class action is filed in which 
you  would  be  a  class  representative  or  member. 
You and we agree that arbitrations pursuant to this 
arbitration provision which involve you and us and/
or us and any other person cannot be consolidated. 
You  and  we  further  agree  that  there  shall  be  no 
class action arbitration pursuant to this arbitration 
provision.  This  arbitration  provision  shall  survive 
the  inactivation  or  termination  of  the  Agreement 
or  your  Account.  If  any  portion  of  this  arbitration 
provision  is  deemed  invalid  or  unenforceable, 

the  remaining  provisions  are  severable  and 
enforceable to the fullest extent permitted by law. 
This  arbitration  provision  supersedes  any  prior 
arbitration  provision  that  there  may  be  between 
you and us.
To  Start  Arbitration:  Either  you  or  we  can  start 
arbitration any time a Dispute arises between you 
and us. To start arbitration, you or we must contact 
the AAA at:
American Arbitration Association
1101 Laurel Oak Road, Suite 100
Voorhees, NJ 08043-4301
For more information about the arbitration process 
or to obtain a copy of the Commercial Arbitration 
Rules and Procedures, contact the AAA at 1-800-
778-7879  or  log  onto  their  website  at  http://www.
adr.org. 
No  Waiver:  You  and  we  agree  that  bringing  a 
lawsuit, counterclaim, or other action in court shall 
not  be  deemed  a  waiver  of  the  right  to  demand 
arbitration  of  any  Dispute  brought  by  the  other 
party. As an example, and not by way of limitation, 
if we file a lawsuit against you in court to collect a 
debt and you file a counterclaim against us in that 
lawsuit, we have the right to demand that the entire 
Dispute, including our original lawsuit against you 
and your counterclaim against us, be arbitrated in 
accordance with this arbitration provision. You and 
we agree that bringing the lawsuit shall not operate 
as a waiver of our right to demand arbitration.
Cost  of  Arbitration:  If  you  start  arbitration,  you 
agree  to  pay  the  initial  filing  fee  and  deposit 
required by the AAA. If we start arbitration we will 
pay the filing fee and deposit. If you believe you are 
financially  unable  to  pay  such  fees  you  may  ask 
the AAA to defer or reduce such fees, pursuant of 
the Commercial Arbitration Rules and Procedures. 
If  the  AAA  does  not  defer  or  reduce  such  fees 
so that you are able to afford them we will, upon 
your written request, pay the fees, subject to any 
later allocation of the fees and expenses between 
you and us by the arbitrator. There may be other 
costs  during  the  arbitration,  such  as  attorney’s 
fees,  expenses  of  travel  to  arbitration,  and  the 
costs of the arbitration hearings. The Commercial 
Arbitration  Rules  and  Procedures  determine  who 
will pay those fees. 

Location of Arbitration: Any arbitration hearing will 
take place in the state in which you live unless you 
and we both agree to another location.
Enforcement of Arbitration: After the arbitrator has 
made  a  decision,  either  you  or  we  may  take  any 
legal  action,  including  filing  a  lawsuit,  to  enforce 
the  arbitrator’s  decision  in  any  federal  or  state 
court that has jurisdiction. 

CHANGE OF ADDRESS: 
If  you  move,  you  must  notify  us  of  your  new 
address  as  well  as  your  new  phone  numbers  in 
writing.  Please  write  the  updated  information  on 
the payment stub of your Monthly Statement so we 
can change our records. 

INFORMATION ABOUT YOU AND YOUR 
CREDIT: 
You  promise  that  the  information  you  gave  us  to 
open your Account is true. You also promise to tell 
us right away and to stop using the Account if (1) 
you plan to file for bankruptcy or (2) are otherwise 
unable  to  pay  your  debts.  We  may  look  again  at 
your financial condition and credit standing at any 
time for any reason. You agree to let us do this and 
help  with  any  investigation  of  your  credit  record. 
A  negative  credit  report  reflecting  on  your  credit 
record may be submitted to one or more reporting 
agencies if you fail to fulfill your obligations under 
this Agreement. 

TELEPHONE MONITORING; CONSENT TO 
COMMUNICATION: 
To  ensure  our  employees  give  accurate  and 
courteous  customer  service,  sometimes  your  call 
may  be  monitored  by  a  second  employee  and/
or  recorded.  You  agree  to  this  monitoring  and 
recording.  We  may  contact  you  using  (1)  any 
information or phone numbers (including cell phone 
numbers) you provide to us on your Application or 
otherwise and (2) an automated telephone dialing 
system  and/or  artificial  or  prerecorded  voice 
message,  even  if  you  are  charged  for  the  call 
under your phone plan. 

NO WAIVER OF OUR RIGHTS: 
Sometimes we may decide not to exercise a right 
we have under this Agreement, like charging you a 
fee, or we may decide to do something less than 
we  are  authorized  to  do  under  this  Agreement, 

like  charging  a  lesser  fee  than  we  are  entitled  to 
charge.  If  we  do  not  exercise,  or  fully  exercise 
a  right  of  ours  under  this  Agreement,  we  do  not 
waive the right to exercise or fully exercise the right 
in the future. We can do all things permitted under 
this Agreement even if we did something differently 
one or more times in the past on a similar event or 
occurrence. 

AMENDMENT: 
We can amend this Agreement from time to time 
upon  forty-five  (45)  days  advance  notice  to  you. 
The new terms, including any increase or decrease 
in  the  fees,  charges  or  periodic  rate,  shall  apply 
both to New Purchases and to New Cash Advances 
made on and after the effective date. In case of any 
change in the periodic rate or certain fees, the new 
fees, periodic rate and APR will not be more than 
the maximum rate permitted by applicable law. 

ASSIGNMENT: 
We  can  assign  this  Agreement  to  others  upon 
proper  notification  to  you.  You  may  not  assign 
this  agreement  to  others  without  our  permission. 
IBERIABANK has in the past sold and assigned all 
or part of its credit card portfolio to one, or more, 
financial  institutions  located  in  states  other  than 
Louisiana.  At  its  sole  discretion,  IBERIABANK 
reserves  the  right  to  do  so  again,  and  any  such 
sale  may  include  your  Account.  IBERIABANK 
has  also  denied  credit  solely  on  the  basis  that 
the  applicant  previously  had  an  Account  with 
IBERIABANK  that  was  sold  and  assigned  to 
another  institution.  In  the  event  your  Account  is 
sold to another institution, IBERIABANK reserves 
the right to deny your application for another credit 
card on this basis. In the event your Account is sold 
to  another  institution,  the  purchaser  may  elect  to 
offer you Account terms and conditions which differ 
from those set forth in this Agreement and which 
may include an Annual Percentage Rate which is 
substantially  higher  than  the  Annual  Percentage 
Rate offered by IBERIABANK. The purchaser may 
also offer you the option of rejecting the new terms 
and  conditions,  but  it  is  highly  probable  that  your 
rejection  of  new  terms  and  conditions  offered  by 
a  purchaser  would  result  in  cancellation  of  your 
right to make purchases or obtain cash advances 
with your Card. In the event your Card is canceled 

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IMPORTANT INFORMATION TO 

READ AND SAVE

under these circumstances, and your account was 
assessed  an  annual  fee,  IBERIABANK  will  refund 
a  portion  of  your  annual  fee.  The  amount  of  the 
refund will be determined by multiplying the annual 
fee  most  recently  charged  to  your  Account  by  a 
fraction,  the  numerator  of  which  is  the  number  of 
days remaining in the one year period covered by 
the fee and the denominator of which is 365. It may 
be necessary for you to provide IBERIABANK with 
a written request for the refund since IBERIABANK 
may  not  have  access  to  records  indicating  who 
would be entitled to a refund. In the event your Card 
is  canceled,  you  will  still  be  obligated  to  pay  the 
existing balance of your Account in accordance with 
the terms of this Agreement. 

APPLICABLE LAW: 
We  are  a  bank  (IBERIABANK)  whose  home  state 
is  Louisiana.  Your  Account  and  each  advance  of 
principal thereunder will be a loan made in Louisiana. 
Questions arising in connection with this Agreement 
or your Account will be decided by, as applicable, (i) 
Louisiana law, (ii) any laws of other states which are 
made applicable by laws of the State of Louisiana, 
including Title 6 of the Louisiana Revised Statutes, 
and (iii) the laws of the United States of America.
For 
specific 
about 
enhancements,  you  may  view  full  disclosures  at 
http://creditcards.iberiabank.com or call 1-800-765-
0853. 

information 

product 

CARDHOLDER CREDIT CARD 
AGREEMENT AND  
ADDITIONAL DISCLOSURES 
(MEMBERSHIP RULES)

F03-S620-5 (12/13)

17

CARDHOLDER CREDIT CARD AGREEMENT 
AND ADDITIONAL DISCLOSURES 

This agreement (“Agreement”) sets forth the terms 
of  your  credit  card  account  with  IBERIABANK. 
Please read this Agreement carefully and keep it for 
your records. 

MEANING OF WORDS: 
In this agreement the words “you”, “your”, “yours”, 
and “Borrower” mean anyone who signs the Credit 
Card  Application  or  otherwise  agrees  in  writing 
to  be  obligated  under  this  Agreement.  The  words 
“we”,  “us”,  and  “our”  mean  IBERIABANK,  a  state-
chartered bank organized under the laws of the State 
of Louisiana headquartered at 200 West Congress 
Street, Lafayette, Louisiana, and the creditor under 
this  Agreement.  The  word  “Account”  means  your 
Credit  Card  Account  with  us.  The  word  “Card(s)” 
means  any  Visa  Credit  Card(s)  that  IBERIABANK 
issues  on  your  Account.  The  word  “Purchases” 
means  amounts  charged  to  your  Account  when 
you use your Card(s) or give your Account number 
to  buy  or  lease  goods  or  services.  “Purchases” 
also  means  the  fees  and  charges  which,  when 
charged to your Account, are treated as purchases 
and  are  subject  to  an  INTEREST  CHARGE.  The 
phrase  “Cash  Advances”  means  loans  charged  to 
your  Account  obtained  by  use  of  your  Card,  your 
Account  number  or  your  Convenience  Checks. 
The  phrase  “Convenience  Checks”  means  checks 
charged to your Account used by you to purchase or 
lease goods or services or obtain cash. The phrase 
“Balance Transfer Checks” means checks charged 
to your Account used by you to pay credit or charge 
accounts at another financial institution or merchant. 

YOUR RESPONSIBILITY: 
This  Agreement  applies  to  any  Card(s)  we  have 
issued to you. You will be obligated and bound by 
this Agreement the moment you use your Card(s), 
whether for a Purchase, Balance Transfer or Cash 
Advance.  You  also  agree  to  any  amendments  we 
may  make  to  this  Agreement  from  time  to  time  by 
making  a  Purchase,  Balance  Transfer  or  Cash 
Advance  after  the  date  of  any  such  amendment. 
If  you  applied  for  a  joint  account,  each  of  you  will 
be  bound  to  this  Agreement  and  obligated  to  pay 
all  amounts  owing  on  the  Account.  Upon  request 
we  may  issue  additional  Cards  to  person(s)  you 
1

authorize to use the Account. Anyone you authorize 
to  use  the  Account  is  also  subject  to  the  terms  of 
this  Agreement,  however  you  remain  responsible 
for  paying  all  charges  such  authorized  person(s) 
make with the Card(s). 

PROMISE TO PAY: 
When you use your Account or permit anyone else 
to  use  it  for  a  Purchase  or  Cash  Advance,  you 
promise to pay us in accordance with the terms of 
this  Agreement,  the  total  amount  of  all  Purchases 
and Cash Advances. You also promise to pay any 
INTEREST CHARGE owing under this Agreement 
as  explained  below.  IBERIABANK  does  not  waive 
its  rights  to  collect  the  full  amount  due  if  you  pay 
late  or  your  pay  part  of  the  bill,  even  if  you  write 
the  words  “Paid  in  Full”  (or  similar  words)  on  any 
correspondence to us. 

CREDIT LIMIT: 
Your  Account  will  have  a  credit  limit  that  we  set. 
We  may  change  the  limit  at  any  time  and  for  any 
reason  and,  if  we  do,  we  will  notify  you  promptly 
thereafter. You agree that the outstanding balance 
of your Account (including INTEREST CHARGES) 
will never exceed this amount, but that if we allow it 
to, which we may, at our sole discretion, you agree 
to promptly pay us the excess when asked. You can 
apply for a higher credit limit at any time if you wish, 
which will be reviewed according to our then-current 
underwriting standards, practices and procedures. 

ANNUAL MEMBERSHIP FEE: 
There is no Annual Membership Fee. 

PURCHASES: 
Subject  to  available  credit,  you  may  use  your 
Card(s) to charge purchases of goods and services 
wherever  the  Card(s)  is/are  accepted.  Except  as 
provided  in  the  accompanying  notice  about  your 
rights  to  dispute  any  billing  errors,  we  will  not  be 
responsible to you for any claims about the quality 
of  goods  or  services  purchased  with  our  Card(s). 
We also are not and will not be responsible for any 
damage or injury caused by goods or services that 
you purchase with your Card(s). 

CASH ADVANCES: 
Subject  to  available  credit,  you  may  use  your 
Card(s)  to  obtain  Cash  Advances  (borrow  money) 
at any participating bank by presenting your Card(s) 

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and  completing  a  Cash  Advance  Slip.  You  may 
also  use  your  Card(s)  to  obtain  Cash  Advances 
from any Automated Teller Machines (ATMs) that 
accept  the  Card(s).  Cash  Advances  and  ATM 
Withdrawals will be limited to 50% of your available 
credit line. You agree to pay us a Cash Advance 
Fee of five percent (5%) of the transaction amount 
for all such transactions, subject to a minimum fee 
of $5 and a maximum fee of $100 per transaction. 
The  Cash  Advance  Fee  will  apply  to  all  Cash 
Advances, excluding balance transfers. 
CONVENIENCE CHECKS: 
We  may  issue  Convenience  Checks  on  your 
Account and you may use them as regular checks; 
however, you cannot use a Convenience Check to 
pay any amount owing on your Credit Card Account 
under  this  Agreement.  Convenience  Checks  will 
be treated as Purchases on your Account. We may 
not pay any Convenience Check if, by paying the 
check,  your  unpaid  balance  would  exceed  your 
credit  limit,  you  are  attempting  to  pay  another 
account  you  may  have  with  IBERIABANK,  if  you 
are  in  default,  or  if  we  have  canceled  your  credit 
availability.  If  we  decline  to  pay  a  Convenience 
Check for any of the above reasons, we will charge 
you a fee of $35.00. 
BALANCE TRANSFERS: 
We may permit you to transfer a balance from your 
credit card account(s) at other financial institutions 
or merchants; however, we will not pay a Balance 
Transfer Check if by paying the check your unpaid 
balance would exceed your credit limit, if the Check 
was  written  for  a  purpose  other  than  transferring 
the  balance  of  another  credit  account  to  your 
Account with us, if you are in default, or if we have 
canceled  your  credit  availability.  If  we  decline 
to  pay  a  Balance  Transfer  Check  for  any  of  the 
above reasons, we will charge you a fee of $35.00. 
Balance Transfers will be treated as Purchases. 
You  agree  to  pay  us  a  Balance  Transfer  Fee  of 
two percent (2%) of the transaction amount for all 
Balance Transfers accepted. There is no minimum 
or  maximum  fee  applicable  to  such  transactions. 
The fee will apply to all Balance Transfers. 
MONTHLY STATEMENT: 
At the end of every monthly billing period, we will 
send  you  a  billing  statement  advising  you  of  the 
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status of your Account, if there is a balance on it, 
or  if  we  have  imposed  an  INTEREST  CHARGE. 
This  billing  statement  will  include  such  items  as 
the  advances  we  made  for  you,  the  INTEREST 
CHARGE  imposed,  the  payments  we  received, 
the total amount you owe us (the “New Balance”), 
the  minimum  payment  you  must  make  to  us  and 
when that payment is due. The payment due date 
is  twenty-five  (25)  days  from  the  closing  date  for 
billing. As explained below, late payment can result 
in a Late Fee. 

MINIMUM PAYMENT: 
You can pay off all your purchases and advances 
in  full  each  month,  or  you  can  pay  in  monthly 
installments.  If  you  decide  to  pay  in  installments, 
then  you  must  pay  us,  each  billing  cycle,  a 
minimum payment of at least equal to $15 or 2% 
of your outstanding balance, whichever is greater. 
The minimum payment is rounded up to the next 
whole dollar and also includes the greater of any 
past  due  amounts  or  amounts  that  exceed  your 
credit limit. Account balances less than $15 will be 
due in full. 

LATE FEES: 
If we do not receive at least the minimum monthly 
payment,  on  or  before  the  Payment  Due  Date 
shown  on  your  monthly  statement,  you  may  be 
charged  a  late  fee  based  on  the  balance  of  your 
Account for each such late payment up to $35. Late 
Fees will be identified on your monthly statement 
and treated as purchases due currently. 

DOCUMENT RETRIEVAL AND OTHER FEES: 
A  fee  of  $5.00  will  apply  per  page  for  requested 
statement  copies.  If  you  make  a  payment  by 
phone  by  calling  one  of  our  customer  service 
representatives you will be assessed a fee of $7.00 
per  payment  made.  If  you  request  a  copy  of  any 
Sales Slip or Cash Advance Slip, we will charge you 
$13.00 for each copy provided. However, there will 
be no charge to you for copies provided in response 
to a billing error and we determine the error was our 
fault. We may charge a fee of $35.00 for any check 
returned to us, for any reason, as nonpayable. We 
may charge a fee of $5.00 each time we provide 
you with an additional or replacement Card at your 
request. We may charge you a fee of $10.00 each 
time  we  stop  payment  of  a  Convenience  Check 
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or a Balance Transfer Check at your request. We 
may  charge  you  a  fee  of  $10.00  each  time  we 
change  the  monthly  Payment  Due  Date  for  your 
Account at your request. We may charge you a fee 
of $15.00 if we delete a Cardholder or an additional 
authorized Signer at your request. You are entitled 
to have a total of two Cardholders and additional 
authorized Signers on your Account at no charge. 
We may charge you a fee of $15.00 for adding any 
additional Cardholders or authorized Signers. We 
may  charge  you  a  fee  of  $5.00  for  sending  you 
a  replacement  Personal  Identification  Number 
(“PIN”) mailer or changing the PIN assigned to you. 
APPLICATION OF PAYMENTS: 
In accordance with applicable law, we will choose 
the  order  in  which  any  Minimum  Payment  will  be 
applied  to  your  indebtedness  to  us  at  the  time 
the  payment  is  made.  Any  payment  you  make 
in  excess  of  any  required  Minimum  Payment 
will  be  applied  first  to  balances  with  the  highest 
ANNUAL PERCENTAGE RATE and then to each 
successive  balance  bearing  the  next  highest 
ANNUAL  PERCENTAGE  RATE.  Payments  in 
excess  of  the  required  Minimum  Payment  will 
not  affect  your  obligation  to  make  future  required 
Minimum  Payments,  calculated  in  accordance 
with  this  Agreement,  while  any  balances  are 
outstanding.  We  will  allow  time  for  checks  and 
automatic  payments  to  be  honored  by  your  bank 
before making adjustments to your available credit 
for  future  Purchases,  Cash  Advances  or  Balance 
Transfers.  Payments  received  after  5:00  p.m. 
which are mailed to the address on your monthly 
statement  will  be  posted  the  following  business 
day.  From  time  to  time,  we  may  let  you  skip  or 
reduce  one  or  more  monthly  payments  during  a 
year and/or we may temporarily reduce or eliminate 
certain  INTEREST  CHARGES  on  all  or  a  portion 
of  your  Credit  Card  account  balance  or  offer  you 
other  special  terms.  If  we  do,  we  will  advise  you 
of the scope and duration of the applicable skip or 
promotional feature. When the skip or promotional 
feature ends, your regular rates and all the terms of 
the Agreement will resume. 
INTEREST CHARGE: 
Each billing cycle, we will charge interest to you on 
the “Average Daily Balance” (as discussed below) 
for each type of transaction on your Account. By type 
5

of transaction, we mean Purchases (including those 
made  by  Convenience  Checks),  Cash  Advances, 
Balance  Transfers,  and  any  transactions  subject 
to special offers, etc. To calculate the INTEREST 
CHARGE  owed  on  your  Account  for  each  billing 
cycle, we first determine the Average Daily Balance 
for each type of transaction during the billing cycle. 
Next,  we  apply  the  applicable  interest  rate  (i.e., 
the  “Monthly  Periodic  Rate”  as  discussed  below) 
to  the  Average  Daily  Balance.  Then,  we  multiply 
the resulting amount by the number of days in the 
billing cycle. After calculating the amount of interest 
owed for each type of transaction during the billing 
cycle  (i.e.,  Purchases,  Cash  Advances,  Balance 
Transfers),  we  add  together  these  amounts  to 
determine the total INTEREST CHARGE owed on 
your Account for the billing cycle. 
For  example, 
INTEREST  CHARGE  on 
Purchases  for  a  billing  cycle  is  computed  by 
applying the “Monthly Periodic Rate” to the Average 
Daily Balance. To get the “Monthly Periodic Rate” 
applicable  to  the  current  billing  cycle,  the  Annual 
Percentage Rate (APR) in effect is divided by 12. 
The “Average Daily Balance” of Credit Purchases 
is  determined  by  dividing  the  sum  of  the  daily 
balances of Purchases (including new Purchases) 
during  the  billing  cycle  by  the  number  of  days  in 
the cycle. 

the 

AVOIDING INTEREST CHARGES ON 
PURCHASES: 
Your payment due date is at least 25 days after the 
close of each billing cycle. We will not charge you 
interest  on  Purchases  if  you  pay  the  entire  New 
Balance by the payment due date each billing cycle. 
Except as described in the preceding sentence, if 
you do not pay your entire balance by the payment 
due  date,  we  will  start  charging  interest  on  each 
new Purchase on the later of (1) the date you make 
the Purchase, or (2) the first day of the billing cycle 
in which we add the Purchase to your Account. 
If  your  are  charged  interest  on  Purchases,  the 
minimum INTEREST CHARGE for any billing cycle 
is $0.50. 

WHEN INTEREST CHARGES START ON CASH 
ADVANCES: 
You  cannot  avoid  INTEREST  CHARGES  on 
Cash  Advances.  INTEREST  CHARGES  on  Cash 

6

Advances  begin  on  the  date  of  the  advance  and 
continue until your Cash Advance Balance is paid 
in full. The Average Balance of Cash Advances is 
the sum of the unpaid balances of Cash Advances 
of each day of the current billing cycle divided by 
the number of days in the current billing cycle. 
The minimum INTEREST CHARGE is $0.50. 
ANNUAL PERCENTAGE RATE: 
The  ANNUAL  PERCENTAGE  RATES  (APRs) 
applicable to your Account may vary or increase. 
The  APRs  will  be  determined  monthly  by  adding 
a  Spread  to  an  Index.  The  Index  for  each  billing 
cycle  is  the  U.S.  “Prime  Rate”  published  in  the 
Money  Rates  table  of  The  Wall  Street  Journal 
during the calendar month immediately preceding 
the calendar month in which the billing cycle ends. 
In  each  case,  the  spreads  applicable  to  your 
Account will be based on our assessment of your 
creditworthiness  at  the  time  of  your  application. 
Please  see  attached  letter  and  Account  Opening 
Disclosure  for  specific  information  that  relates  to 
the current value of the index and your applicable 
spread. 
CREDIT BALANCE: 
If  your  total  New  Balance  is  a  credit  balance,  we 
will refund the amount of the credit to you promptly, 
if you request us to in writing, or as required by law. 
FOREIGN TRANSACTIONS: 
If  you  make  any  purchase  in  foreign  currencies, 
Visa  U.S.A.  will  convert  the  foreign  currencies 
into  U.S.  Dollars  using  their  applicable  currency 
conversion  procedures.  Currently,  the  conversion 
procedures  utilize  a  rate  selected  from  a  range 
of  rates  available  in  wholesale  currency  markets 
for  the  applicable  central  processing  date,  which 
rate  may  vary  from  the  rate  they  receive,  or  the 
the 
for 
government  mandated  rate 
applicable  central  processing  date, 
in  each 
instance, plus or minus any adjustment determined 
by  us.  You  agree  to  pay  us  the  sum  in  U.S. 
Dollars as converted by Visa U.S.A. The currency 
conversion rate used on the conversion date may 
differ from the rate in effect on the date you used 
your  card.  Transactions  with  a  foreign  merchant 
may  or  may  not  involve  a  currency  conversion. 
You  agree  to  pay  us  a  foreign  transaction  fee  of 
two percent (2%) of the transaction amount for all 
7

in  effect 

transactions where the merchant country is not the 
United  States,  regardless  of  whether  a  currency 
conversion occurs. 
ILLEGAL TRANSACTIONS: 
You  may  not  use  your  Account  for  any  illegal 
transaction,  whether  where  you  live  or  where  the 
transaction takes place. You also agree not to use 
your  Account  for  any  Internet  or  online  gambling 
transaction  even  if  it  is  legal.  We  may  refuse  to 
authorize  any  illegal,  internet  or  online  gambling 
transaction. If we do authorize the transaction, you 
agree  to  pay  us  for  it  unless  applicable  law  says 
you may not. 
SECURITY INTEREST: 
Collateral securing other loans with us, other than 
a  dwelling  used  as  your  principal  residence,  may 
also secure this Account. 

LOST CARDS: 
Though you may not be liable for the unauthorized 
use  of  your  Card(s),  you  will  immediately  notify 
us of the loss, theft, or possible unauthorized use 
as soon as it is known to you in order to limit any 
potential loss. You will telephone us at 1-800-765-
0853 to report any such occurrence. 

LIABILITY FOR UNAUTHORIZED USE: 
If you notice the loss or theft or your Credit Card 
or  a  possible  unauthorized  use  of  your  Account, 
you should write to us immediately at: Customer 
Service, P.O. Box 84032, Columbus, GA 31908-
4032,  or  call  us  at  1-800-765-0853.  You  will  not 
be  liable  for  any  unauthorized  use  that  occurs 
after you notify us. You may, however, be liable for 
unauthorized use that occurs before your notice to 
us. In any case, your liability will not exceed $50. 
CANCELLATION OF CREDIT AVAILABILITY 
AND CREATION OF NEW ACCOUNTS: 
We  can  cancel  your  Account  any  time  and  will 
notify  you  of  such  by  phone  or  by  writing  you  at 
the address shown for you on our Account records. 
You  can  cancel  your  Account  by  writing  to  us. 
Of  course,  if  your  Account  is  canceled,  you  are 
required  to  pay  everything  you  owe  us,  including 
any amounts that have not been billed to you yet. 
You are also required to return all Card(s) we have 
given  you.  In  the  event  we  cancel  your  Account, 

8

we may offer to enter into a new contract with you 
establishing a new Account to replace the one we 
canceled. One method we may use to offer you a 
new contract is to include a notice in your monthly 
billing statement (i) advising you of the cancellation 
of your existing Account, (ii) offering to enter into a 
new contract with you establishing a new Account 
which you can access with your existing Card, (iii) 
setting forth the terms of the new contract (which 
may include terms incorporated by reference from 
this or any other agreement we have previously had 
with you) and (iv) advising you that your use of the 
Card to purchase goods or services or obtain cash 
after  you  have  received  the  notice  will  constitute 
your agreement to the terms of the new contract. 
You  and  we  now  agree  that  our  sending  such  a 
notice  to  you,  coupled  with  your  subsequent  use 
of your Card in the manner set forth in the notice, 
will be one means by which we can form a valid, 
enforceable contract with one another on the terms 
set forth in the notice. 
DEFAULT: 
If you are in default, we may require you to pay the 
entire unpaid balance of your Account at once. We 
may  also  cancel  your  right  to  charge  amounts  to 
the Account. If we ask, you agree to promptly cut in 
half and return to us all Credit Card(s) and also any 
other Credit Access Devices we may have issued 
for  your  Account.  You  will  be  in  default  if  you  do 
not  make  a  payment  on  time  on  this  Account  or 
any  other  loan  from  us,  if  you  go  over  the  credit 
limit on the Account or if you break any promises 
under this or any other agreement with us. You will 
also be in default if you die, become bankrupt, give 
us false information to get the Account or anything 
happens that leads us to believe in good faith that 
you will not pay us what you owe us or keep your 
promises  to  us.  You  will  also  be  in  default  if  the 
usual business of any persons or organization that 
must  pay  on  this  Account  is  suspended,  stopped 
or  someone  tries  by  legal  process  to  reorganize, 
liquidate  or  dissolve  the  business.  Copies  of 
documents  like  Monthly  Statements,  Sales  Slips, 
Cash  Advance  forms  and  Loan  Checks  will  be 
competent evidence before a court to establish the 
amount you owe to us. We will have no obligation 
to produce the originals. 

F03-S620-5 (12/13)

9

Pricing Addendum 

Interest Rates and Interest Charges 

Annual Percentage 
Rate  (APR) for 
Purchases 

9.25%, 12.25% or 15.25% based on your creditworthiness. This rate
will vary with the market based on the Prime Rate. 

APR for Balance Transfers  1.99% introductory APR for six billing periods from the date the balance transfer check is 

posted to your account.*  After that, your APR will be the same as your assigned purchase 
rate. This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

14.75%, 18.25% or 21.25% based on your creditworthiness.  This APR will vary with the 
market based on the Prime Rate. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you interest on purchases if you pay your entire balance by the due date each month. We 
will begin charging interest on cash advances on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $0.50. 

Fees 

• Annual Fee:

• Additional Card Fee:

None 
$5 per occurrence 

Transaction Fees 

• Balance Transfer:

2% of the transfer amount 

• Cash Advance:

Either $5 or 5% of the amount of each cash advance, whichever is 
greater (Maximum fee: $100) 

• Foreign Transaction:

2% of the transaction amount for all transactions where the merchant country is not 
the United States, regardless of whether a currency conversion occurs. 

Penalty Fees 

• Late Payment:

• Returned Payment:

Up to $35 
Up to $35 

*Introductory APR offer for Balance Transfer
Introductory Balance Transfer request must be made within three (3) months of 
account open dates to take advantage of this promotional offer. Balance Transfers requested after this time will have an APR equal to 
your assigned purchase rate (excluding any introductory APR). 

Rates applicable to this account are as follows: 

Purchases – 9.25%, 12.25% or 15.25% based on creditworthiness which is a Variable Purchase Rate of Prime of Prime plus 6.00%, 9.00% 
or 12.00% having a Monthly Periodic Rate of 0.77%, 1.02% or 1.27%. 

Cash Advances and Convenience Checks – An Annual Percentage Rate of 14.75%, 18.25% or 21.25% based on creditworthiness, which is 
a Variable Cash Advance Rate of Prime plus 11.50%, 15.00% or 18.00% have a Monthly Periodic Rate of 1.23%, 1.52% or 1.77%. 

Balance Transfers – An annual Percentage Rate of 1.99%, having a Monthly Periodic Rate of 0.17%, for the first twelve (12) billing cycles 
from the date the check is posted to the account. Introductory Balance Transfer request must be made within three (3) months of 
account open date to take advantage of this promotional offer. Balance Transfers requested after this time will have an APR equal to 
your assigned purchase rate (excluding any introductory APR). 

 
 
 
 
 
 
 
The Variable Purchase Rate will apply to any Balance Transfer Checks that are posted during a non promotional period. 

Index – As of January 1, 2014 the U.S. Prime Rate is 3.25% 

The ANNUAL PERCENTAGE RATES (APRs) applicable to this account may vary or increase monthly. The APRs will be determined 
monthly by adding a Spread to an Index. The Index for each billing cycle is the highest U.S. “Prime Rate” published in the Money Rates 
Table of the Wall Street Journal during the calendar month immediately preceding the calendar month in which the billing cycle ends. 
In each case, the spreads applicable to your Account will be based on our assessment of your creditworthiness at the time of your 
application. 

To calculate your balance we use a method called “average daily balance (including new purchase).” We figure the interest charge on 
your account by applying the periodic rate to the “average daily balance” of your account. To get the “average daily balance” we take 
the beginning balance of your account each day, add nay new [purchases/advances/fees], and subtract [any unpaid interest or other 
finance charges and] any payments or credits. This gives us the daily balance. Then, we add up all the daily balances of the billing 
cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.”