court  to  collect  a  debt  and  you  file  a  counter-
claim  against  us  in  that  lawsuit,  we  have  the 
right to demand that the entire Dispute, including 
our original lawsuit against you and your coun-
terclaim 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, pursu-
ant  to  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 the 
arbitration, and the costs of the arbitration hear-
ing.  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 them on the payment stub 
of  your  Monthly  Statement  so  we  can  change 
our records.
AMENDMENT:
We  can  amend  this  agreement  from  time  to 
time,  upon  forty  five  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  permis-
sion.  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  discre-
tion,  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 prob-
able that your rejection of new terms and condi-
tions  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 under these circum-
stances  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 there under will be a loan 
made in Louisiana. Questions arising in connec-
tion with this Agreement or your Account will be 
decided by, as applicable, (i) Louisiana law, (ii) 
any laws of other states which are made appli-
cable by laws of the State of Louisiana, includ-
ing  Title  6  of  the  Louisiana  Revised  Statutes, 
and  (iii)  the  laws  of  the  United  States  of 
America.

information  about  product 

For 
specific 
enhancements, you may view full disclosures at 
email: 
http://creditcards.iberiabank.com, 
creditcard.servicing@iberiabank.com  or  call 
(800) 563-8891.

IMPORTANT INFORMATION TO
READ AND SAVE

CARDHOLDER CREDIT CARD
AGREEMENT AND
ADDITIONAL DISCLOSURES
(MEMBERSHIP RULES)

IBR0111VGO

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CARDHOLDER DISCLOSURE
AND CREDIT CARD AGREEMENT
This  agreement  explains  the  terms  of  your 
credit card account with IBERIABANK, we are 
a  federally-chartered  savings  bank  with  our 
headquarters located in Louisiana. Please read 
it 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”  and  “Us”  mean 
IBERIABANK,  200  West  Congress  Street, 
Lafayette,  Louisiana,  the  Creditor  under  this 
agreement.  The  word  “Account”  means  your 
Credit  Card    Account.  The  word  “Card(s)” 
means any Visa Credit Card(s) which IBERIA-
BANK issues on your Account. The word “Pur-
chases”  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 which you obtain by use of your Card, 
your  Account  number  or  your  Convenience 
Checks.  The  phrase  “Convenience  Checks” 
means checks charged to your Account which 
you use to buy or lease goods or services or 
obtain  cash.  The  phrase  “Balance  Transfer 
Checks”  means  checks  charged  to  your 
Account which you use to pay credit or charge 
accounts  at  another  financial  institution  or 
department  store.  Balance  Transfers  will  be 
treated as purchases.
YOUR RESPONSIBILITY:
This agreement applies to any Card(s) we have 
issued  to  you.  You  will  be  obligated  by  this 
Agreement as soon as you use your Card(s) 
for  a  Purchase,  Balance  Transfers  or  Cash 
Advance. If you applied for a joint account, each 
of you will be obligated to pay all amounts owing 
on your account. Upon request we may issue 
additional Cards to person(s) you authorize to 
use the Account. You are responsible for paying 
all charges they make with their Card(s). You 
agree to the terms of this Agreement, as it may 
be amended from time to time, when you obtain 
credit or authorize others to obtain credit under 
this Agreement. Anyone you authorize to use 
the Account is also subject to the terms of this 
Agreement.
PROMISE TO PAY:
When you use your account or permit anyone

else to use it for a Purchase, Balance Transfer 
or  Cash  Advance,  you  promise  to  pay  us  in 
accordance with the terms of this Agreement, 
the  total  amount  of  all  Purchases,  Balance 
Transfer and Cash Advances. You also promise 
to pay any INTEREST CHARGE owing under 
this agreement as explained below. The Bank 
does  not  waive  its  rights  to  collect  the  full 
amount due if you pay late or you pay part of 
the  bill,  even  if  you  write  the  words  "Paid  In 
Full" (or similar words) on any correspondence 
to the Bank.
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, 
you agree to pay us the excess when we ask 
you to. You can apply for a higher credit limit 
at any time if you wish.
ANNUAL MEMBERSHIP FEE:
There is no Annual Membership Fee.
PURCHASES:
You may use your Card(s) to charge purchases 
of  goods  and  services  wherever  the  Card(s) 
is/are honored by signing a Sales Slip. Except 
as provided in the accompanying notice about 
your rights to dispute any billing errors, we will 
not  be  responsible  to  you  for  any  claim  you 
may have about the quality of goods or services 
purchased with your 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:
You  can  use  your  Card(s)  to  obtain  a  Cash 
Advance (borrow money) at any participating 
bank by presenting your Card(s) and complet-
ing  a  Cash  Advance  Slip.  You  can  also  use 
your Card(s) to obtain a Cash Advance from 
an  Automated  Teller  Machine  (ATM)  that 
accepts the Card(s). Cash Advances and ATM 
Withdrawals will be limited to 50% of your credit 
line  available.  You  agree  to  pay  the  Bank  a 
Cash Advance Fee of five percent (5%) of the 
transaction amount for all transactions. There 
is a minimum fee of $5 per transaction and a 
maximum fee of $100 per transaction. The fee 
will  apply  to  all  cash  advances,  excluding 
balance transfers. 
CONVENIENCE CHECKS:
We may issue Convenience Checks on your

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 follow-
ing 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 or electronically at:
IBERIABANK 
PO Box 31535, Tampa. FL 33631-3535
creditcard.servicing@iberiabank.com
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.
ARBITRATION:
THIS ARBITRATION PROVISION LIMITS OUR 
RIGHT TO LITIGATE CLAIMS IN COURT AND 
YOUR  RIGHT  TO  A  JURY  TRIAL.  YOU 
SHOULD  READ  THIS  PROVISION  CARE-
FULLY.  Any  claim,  dispute,  or  controversy  (a 
"Dispute")  between  you  and  us 
including 
without  limitation  those  related  to  this  Card-
holder  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 provi-
sion 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 Ameri-
can Arbitration Association (AAA). This arbitra-
tion  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 at 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 pursu-
ant to this arbitration provision. This arbitration  
provision shall survive the inactivation or termi-
nation  of  this  Cardholder  Agreement  or  your 
account  if  any  portion  of  this  arbitration  provi-
sion  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
13455 Noel Road
Two Galleria Tower
Dallas, TX 75240-6636 
For  more  information  about  the  arbitration 
process, or to obtain a copy of the Commercial 
Arbitration  Rules  and  Procedures,  contact  the 
AAA  at  1-800-426-8792,  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 

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in default if you die or become bankrupt, or give 
us  false  information  to  get  this Account,  or  if 
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 or stopped or someone 
tries by legal process to reorganize, liquidate, 
or  dissolves  this  business.  Copies  of  docu-
ments  like  Monthly  Statements,  Sales  Slips, 
Cash Advance forms, and Loan Checks will be 
competent evidence before a court to establish 
the  amount  you  owe  us.  We  will  have  no 
obligation to produce the originals.
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  Purchases  and 
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 privileges, you must let us 
know  in  writing.  If  he  or  she  has  a  Card,  you 
must return that Card with your written notice.
YOUR  BILLING  RIGHTS:  Keep  this  Docu-
ment 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 31535, Tampa, FL 33631-3535
You may also contact us on the Web via e-mail:
creditcard.servicing@iberiabank.com.
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 and  
  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 or electronically via e-mail. You may call 
us, but if you do we are not required to investi-
gate 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 ques- 
tion, 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 ques- 
tion, 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 

Account  and  you  may  use  them  as  regular 
checks:  however,  you  cannot  use  a  Conve-
nience 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  have  with  IBERIABANK,  or  if  you  are  in 
default, or if we have canceled your credit avail-
ability.  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  department  stores;  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 the Bank a Balance Transfer 
Fee  of  two  percent  (2%)  of  the  transaction 
amount  for  all  Balance  Transfers  accepted. 
There is not a minimum or maximum fee appli-
cable to the 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 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 
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 
monthly  installments,  then  you  must  pay  us,

INTEREST  CHARGES 

imposed, 

each  billing  cycle,  a  minimum  payment  of  at 
least equal to 2% of your outstanding balance 
or  1%  of  your  outstanding  balance  plus  all 
assessed fees and interest charges, whichever 
is greater, plus any amount which is past due or 
which exceeds your credit limit.
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.  Anyone  who  makes  a 
payment  by  phone  by  calling  one  of  our 
customer  service 
representatives  will  be 
assessed a fee of $7.00 per payment made. If 
you  ask  for  a  copy  of  any  Sales  Slip  or  Cash 
Advance  Slip,  we  will  charge  you  $13.00  for 
each  copy  we  provide.  However,  there  will  be 
no  charge  to  you  if  we  provide  the  copy  in 
response to a billing error and our investigation 
shows  that  you  are  correct.  We  may  charge  a 
fee of $35.00 for any check returned to us, for 
any reason, as non payable. We may charge a 
fee of $5.00 each time we provide you with an 
additional  replacement  card  at  your  request. 
We may charge you a fee of $10.00 each time 
we stop payment of a Convenience Check 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 Cardhold-
ers  and  additional  authorized  Signers  on  your 
Account at no charge. We may charge you a fee 
of $15.00  for adding any additional Cardhold-
ers or authorized Signers. We may charge you 
a  fee  of  $5.00  for  sending  you  a  replacement 
Personal Identification Number mailer or chang-
ing the one randomly assigned by the computer.

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.

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Any  payment  you  make  in  excess  of  any 
requirement Minimum Payment will be applied 
first to the balances with the highest ANNUAL 
PERCENTAGE RATE and then to each succes-
sive 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 Mini-
mum 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 the funds will be available for future 
purchases, cash advances or balance transfers. 
Payments  received  after  5:00  PM  which  are 
mailed to the address on your monthly state-
ment 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 promotion feature ends, your regular 
rates and all the terms of the Agreement will 
resume.  We  may  allow  time  for  checks  and 
automatic  payments  to  be  honored  by  your 
bank before the funds will be available for future 
purchases, cash advances, balance transfers 
or convenience checks.
INTEREST CHARGE:
An  INTEREST  CHARGE  will  be  imposed  on 
Credit Purchases only if you elect not to pay 
the entire New Balance shown on your monthly 
statement for the previous billing cycle within 
25 days from the closing date of that statement.  
If you elect not to pay the entire New Balance 
within  that  25-day  period,  an  INTEREST 
CHARGE will be imposed on the unpaid aver-
age daily balance of the Credit Purchases com-
prising  such  New  Balance.  The  INTEREST 
CHARGE  will  be  imposed  on  such  Credit 
Purchases from the closing date of the state-
ment.
The  INTEREST  CHARGE  will  continue  to 
accrue until the closing date of the billing cycle 
preceding  the  date  on  which  the  entire  New 
Balance  is  paid  in  full  or  until  the  date  of 
payment if more than 25 days from that closing 
date.  The  INTEREST  CHARGE  on  Credit 
purchases  for  a  billing  cycle  is  computed  by 
applying  the  "Monthly  Periodic  Rate"  to  the 
Average  Daily  Balance  of  Credit  Purchases, 
which is determined by dividing the sum of the 

daily balances during the billing cycle by the 
number of days in the cycle. To get the "Monthly 
Periodic Rate" applicable to the current billing 
cycle,  the  Annual  Percentage  Rate  (APR)  in 
effect is divided by 12. If you elect not to pay
the  entire  New  Balance  within  the  25-day 
period, each daily balance of Credit Purchases 
is  determined  by  adding  to  the  outstanding 
unpaid balance of the Credit Purchases at the 
begining  of  the  billing  cycle  any  new  Credit 
Purchases  made  on  your  Account,  and 
subtracting payments as received and credits 
as posted to your Account, but excluding any 
unpaid INTEREST CHARGES. If you pay your 
balance in full each month, but pay less than 
the  full  balance  in  any  given  month,  we  will 
credit  any  payment  made  within  the  25-day 
period on the first day of the billing cycle. 
You  cannot  avoid  INTEREST  CHARGES  on 
Cash  Advances.  INTEREST  CHARGES  on 
Cash  Advances  begin  on  the  date  of  the 
advance and continue until your Cash Advance 
Balance is paid in full.
The Average Daily Balance of Cash Advances 
is  the  sum  of  the  unpaid  balance  of  Cash 
Advances  on  each  day  of  the  current  billing 
cycle  divided  by  the  number  of  days  in  the 
current billing cycle. Such unpaid balances on 
Purchases and Cash Advances are subject to 
INTEREST CHARGES computed by applying 
a Monthly Periodic Rate as explained above.
The minimum INTEREST CHARGE is $.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 imme-
diately 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. Credit balances of less than 
$1.00 will not be refunded unless requested by

cardholder  prior  to  the  balance  being  on  the 
account for less than 90 days.
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 conver-
sion 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 government mandated rate in 
effect for the applicable central processing date, 
in each instance, plus or minus any adjustment 
determined by the Bank. You agree to pay the 
Bank 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 the Bank a foreign transaction fee 
of two percent (2%) of the transaction amount 
for all transactions where the merchant country 
is not the United States, regardless of whether 
a currency conversion occurs.
ILLEGAL TRANSACTIONS:
You may not use your Credit Card for any illegal 
transaction. 
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 unauthor-
ized use of your Card(s), you will immediately 
notify us of the loss, theft, or possible unauthor-
ized 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 occur-
rence.

LIABILITY FOR UNAUTHORIZED USE:
If you notice the loss or theft of your credit card 
or a possible unauthorized use of your card, you 
should  write  to  use  immediately  at:  Customer 
Service , P.O. Box 31535, Tampa, FL 33631-
3535,  or  call  us  at  1-800-765-0853.  You  may 
also  contact  us  on 
the  Web  via  e-mail: 
creditcard.servicing@iberiabank.com.  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 liabil-

ity will not exceed $50 [unless this account is 
for  business  use  and  10  or  more  cards  are 
issued  to  employees  of  your  company  in 
which  case  there  will  be  no  limit  on  your 
liability for unauthorized use]. You may have 
no liability if certain conditions are met in accor-
dance  with  the  Visa  ©  Zero  Liability  program 
(contact us for more details).
CANCELLATION OF CREDIT AVAILABILITY 
AND CREATION OF NEW ACCOUNTS:
We can cancel your Account any time, 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,  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 state-
ment  (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  credit  card  in 
the manner set forth in the notice will be one 
means by which we can form a valid, enforce-
able  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 this 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, or if you go over the credit limit on 
this  account,  or  if  you  break  any  promises 
under any agreement with us. You will also be

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