4/19/2016

Cardholder Agreement

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Investar Bank Cardholder Agreement ‐ Effective: March 1, 2015

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General Terms: This Cardholder Agreement applies to your VISA® credit card account with Investar Bank, Baton Rouge, LA
(the “Account”). “We,” “us” and “our” mean Investar Bank and its representatives, successors and assigns. “You” and “your”
mean  each  person  (as  an  individual)  and  all  persons  (as  a  group)  applying  and  responsible  for  paying  the  Account  and  on
whose behalf we issue credit cards for Account access (each, a “Card”). An “Authorized User” is a person you authorize or
allow  to  use  a  Card  or  the  Account,  but  who  did  not  apply  for  the  Account.  Your  “Agreement”  with  us  includes  and
incorporates  your  Account  application;  this  Cardholder  Agreement;  other  disclosures  we  provide  with  the  Cardholder
Agreement  (“Account  Opening  Disclosure”),  with  the  Card  (“Card  Carrier  Disclosure”),  or  on  a  periodic  Account  billing
statement  (a  “Statement”);  and  any  future  changes  we  make  to  any  of  these  as  permitted  or  required  by  law.  Other
capitalized terms in this Cardholder Agreement are generally defined with their first use. When the Cardholder Agreement
says we “may” take an action, this means we are authorized to take that action in our sole discretion, subject only to any
limitations or requirements established by law. Your Agreement with us becomes effective the first time any of you or any
Authorized User signs, activates or uses a Card or otherwise uses the Account in any way. Read the Agreement carefully and
keep it with your Account records. This Agreement is governed by federal law and, to the extent not preempted by federal
law, by Louisiana law, including but not limited to La. Rev. Stat. Ann. §6:548.

Your Promises To Us: You promise to do everything the Agreement requires of you, so long as your Account has an unpaid
balance, remains open to future transactions, or both. If there is more than one of you, you agree your obligations to us are
on a “joint and several” and a “solidary” basis. Each of you and all of you promise, individually and together, to pay us all
amounts due on your Account, now and in the future. This promise applies any time the Account or a Card is used by any of
you or by any Authorized User, including when used for mail, telephone or Internet transactions. The amounts you must pay
include  amounts  due  for  all  Account  transactions  in  each  balance  category,  plus  all  Interest  Charges,  Fees,  and  other  costs
and expenses required by the Agreement. “Interest Charges” are the charges we add to your Account based on the periodic
interest  rates  we  apply  to  your  Account  balances.  “Fees”  are  other  charges  and  fees  we  add  to  your  Account  that  are  not
based on a periodic interest rate.

Balance Categories. A “Purchase” means the property, rights, goods and services you purchase or otherwise obtain directly
from a merchant or others by using the Account or a Card. A “Balance Transfer” means any balance we allow you to transfer
to  the  Account  from  an  account  owed  to  another  creditor,  after  you  use  any  written,  electronic  or  telephonic  device  or
method  we  approve  for  this  purpose.  We  treat  Balance  Transfers  made  with  your  Account  as  a  type  of  Purchase.  The  term
“Purchase,”  when  used  in  this  Cardholder  Agreement,  will  include  both  Purchases  and  Balance  Transfers,  unless  we  state
otherwise. A “Cash Advance” means a loan you obtain from us using a Card, convenience checks, or other devices or methods
we  approve  for  Account  access,  including  transactions  made  through  a  teller  or  Automated  Teller  Machine  (ATM).  A  “Cash
Advance”  includes  use  of  a  Card  or  the  Account  to  obtain  an  item  we  consider  a  cash  equivalent,  such  as  wire  transfers,
travelers’ checks, money orders, foreign currency, or stored value load. A “Promotional Offer” means the transactions added
to  your  Account  with  unique  pricing,  grace  periods  or  other  promotional  terms  we  may  disclose  from  time  to  time.  If  you
accept any Promotional Offer, the previously disclosed terms in the Agreement still apply, except as modified by the express
terms  of  the  Promotional  Offer.  We  reserve  the  right  to  decide  whether  any  Account  transaction  is  a  Purchase,  Balance
Transfer, Cash Advance or Promotional Offer, and our decision will be final.

Authorized Users: You must make sure each Authorized User uses the Account and a Card in a manner that complies with the
Agreement. You agree that we are authorized to discuss the Account with an Authorized User. An Authorized User who uses
your  Account  is  not  liable  to  us  for  obligations  incurred  by  you  or  by  other  Authorized  Users,  but  we  may  require  an
Authorized User to pay his or her own Account charges if you do not.

Use of the Account and Card: You and any Authorized User may use the Account and a Card for Purchases, Cash Advances,
Balance  Transfers  and  Promotional  Offers,  as  permitted  by  the  Agreement  and  applicable  law.  The  Cards  must  be  signed
immediately after you receive them. Notify us at once if any Card, convenience check or other Account access device is lost or
stolen or you suspect they are being used without your permission. All Cards are our property and you must return or destroy
any or all of them if we ask. You must take reasonable steps to prevent the unauthorized use of the Account and Cards. If you
allow someone else to use your Card, you are responsible for their Account transactions and related Interest Charges and Fees
until you notify us of your decision to cancel his or her right to use a Card or the Account. You must contact us if you want to
cancel your Account or any Card or Cards. We may suspend or close the Account or reject specific Account transactions at any
time,  for  any  reason,  and  without  advance  notice  to  you,  unless  otherwise  required  by  law.  From  time  to  time,  Account
services may be unavailable for reasons beyond our control, such as system failures, fires, floods, natural disasters and other
unpredictable events. If this happens, we will not be responsible or liable to you or any Authorized User. You must not use the
Account or Card for any purpose prohibited by law or this Agreement. You agree not to use or allow use of the Account or any
Card  for  gambling  purposes,  whether  online  or  otherwise.  If  you  or  an  Authorized  User  use  the  Account  or  a  Card  for  any
purpose  prohibited  by  law  or  this  Agreement,  you  must  still  pay  us  for  these  Account  transactions  and  all  related  Interest
Charges and Fees.

Credit Limit: We will disclose your Account credit limits at Account opening and in your Statements. We may assign different
credit limits to the balance categories of your Account (for example, by assigning a Cash Advance limit that is lower than the
limit for Purchases or the overall Account credit limit). We may increase, decrease, or restrict the credit limit that applies to
any balance category or to the Account itself at any time and for any reason, subject only to any notices required by law. This
will not affect your duty to pay us. You must keep track of your Account balances and available credit and you must not allow
your Account to exceed any assigned credit limit. We may honor transactions above your credit limits, but, if we do, this will
not increase your assigned credit limits and you must immediately pay us the full amount due for these overlimit transactions.

https://www.investarbank.com/Personal/CreditCards/CardholderAgreement.aspx

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Statements; Minimum Payments: The last day of the billing period shown on a Statement is the “Statement Closing Date.”
The “Payment Due Date” shown on each Statement is the date your Account payment is due (a date at least 25 days after the
previous Statement Closing Date). The “New Balance” is the full unpaid balance of your Account as of a Statement Closing
Date, including the billed and unpaid amounts due for all of your Account transactions plus Interest Charges and Fees. As of
each  Statement  Closing  Date,  we  will  determine  the  Total  Minimum  Payment  due  for  your  Account  and  disclose  it  on  the
Statement for that billing period. You must pay each month’s Total Minimum Payment by the Payment Due Date shown on the
Statement  for  that  billing  period.  The  Total  Minimum  Payment  will  include  all  past  due  and  overlimit  amounts  for  your
Account, plus the greater of: (A) $50.00 or any lesser amount that would pay the New Balance in full; or (B) 3.0% of the New
Balance, rounded up to the nearest dollar. You may pay more than the Total Minimum Payment or pay the total New Balance
at any time, without penalty. You must pay at least the Total Minimum Payment due after each billing period, regardless of
the amount of the payment made after the previous billing period. We choose which balances to pay with the Total Minimum
Payment. We apply payments above the Total Minimum Payment to balances with the highest Annual Percentage Rates first,
unless otherwise required by law.

Making Payments; Disputed Payments: Your payments to us must be made in U.S. dollars from a U.S. deposit account and
must otherwise be acceptable to us. We may charge you any additional costs we incur to convert payments not made in U.S.
dollars  or  from  a  U.S.  deposit  account.  Do  not  mail  cash  payments  to  us  and  do  not  make  Account  payments  with  funds
borrowed from your Account or your other credit accounts with us. You agree to follow the payment requirements we disclose
on Statements from time to time. We may accept late payments, partial payments, or any payments marked as “payment in
full” or in settlement of a dispute without losing any of our rights under this Agreement. Your communications to us about
a  disputed  debt,  including  those  made  on  or  with  a  payment,  must  be  sent  to  us  at  the  following  address:  Investar
Bank, Attn: CCS Chargeback/Dispute Dept. TA‐24, P.O. Box 30495, Tampa, FL 33630‐3495.

Grace  Period:  We  will  not  charge  you  Interest  Charges  on  Purchases  (including  Balance  Transfers)  if  you  pay  your  New
Balance in full by the Payment Due Date after each billing period. This is called a grace period. There is no grace period for
Cash Advances. You pay Interest Charges on Cash Advances from the date of the Cash Advance or the first day of the billing
period it is posted to your Account, whichever is later, until we are paid in full for all outstanding Cash Advances.

Calculation of Periodic Rates: Your Account Opening Disclosure states each Annual Percentage Rate (“APR”) that applies to
your balances when we open your Account and identifies which APRs may vary with each billing period. The Monthly Periodic
Rate  we  apply  in  each  billing  period  is  1/12th  of  the  corresponding  APR,  rounded  to  the  nearest  ten  thousandth  of  a
percentage point. The Card Carrier Disclosure states each APR and corresponding Monthly Periodic Rate that applies when we
open your Account, along with other information about how we calculate variable rates. The Prime Rate we use to determine
the variable APRs for each billing period is the U.S. Prime Rate published in The Wall Street Journal on the first day of the
prior  month  (or,  if  the  first  day  is  not  a  business  day,  on  the  preceding  business  day).  Your  APR  may  change  each  billing
period  based  on  published  changes  in  the  Prime  Rate.  Your  Total  Minimum  Payment  and  the  number  of  required  Account
payments may increase if the APR increases. If The Wall Street Journal no longer publishes a prime rate, we will use a similar
published rate that we choose.

How We Calculate the Balance Subject to Interest Charges: We use a method called “Average Daily Balance (including new
transactions).” With this method, we calculate the Interest Charges for each Account balance (for example, Purchases, Cash
Advances)  by  multiplying  the  Monthly  Periodic  Rate  for  that  balance  by  the  “average  daily  balance”  of  that  balance.  That
gives us the total Interest Charges for that balance for that billing period. We calculate the “average daily balance” for each
type  of  Account  balance.  We  do  this  by  starting  with  the  beginning  amount  of  that  balance  for  each  day.  We  add  any  new
charges for that day, excluding any unpaid Interest Charges and Fees, and subtract any payments or credits. This gives us the
“daily balance” for each type of Account balance. We calculate the “average daily balance” for each balance by adding all
the daily balances for each day in the billing period and then dividing by the total number of days in the billing period.

Fees: We may charge and you must pay the following Fees to the extent allowed by law:

1. CASH ADVANCE TRANSACTION FEE: We will charge a $5.00 Cash Advance Fee (a Finance Charge) to your Account for each
Cash Advance.

2.  ANNUAL  FEE:  Your  Account  Opening  Disclosure  states  whether  an  Annual  Fee  applies  to  your  Account.  If  an  Annual  Fee
applies, we will charge it to your Account on or near each anniversary of your Account opening date, beginning with the first
anniversary of your Account opening.

3. RETURNED PAYMENT FEE: If a check or other Account payment is returned to us unpaid, we will charge a $15.00 Returned
Payment Fee to your Account as allowed by law.

4. LATE PAYMENT FEE: If we do not receive at least your Total Minimum Payment within five (5) days after its Payment Due
Date, we will charge a $15.00 Late Payment Fee to your Account as allowed by law.

5.  FOREIGN  TRANSACTION  FEE:  A  “Foreign  Transaction”  is  a  Cash  Advance  or  Purchase  made  in  a  country  other  than  the
United  States.  If  a  Foreign  Transaction  is  converted  into  U.S.  dollars  from  a  foreign  currency,  the  exchange  rate  used  is
either:  (a)  a  rate  selected  by  Visa  from  the  range  of  rates  available  in  the  wholesale  currency  markets  for  the  applicable
central processing date (a rate that may vary from the one that Visa itself receives), plus or minus any adjustment we may
determine;  or  (b)  the  government‐mandated  rate  in  effect  for  the  applicable  central  processing  date,  plus  or  minus  any
adjustment we may determine. The conversion may occur after the date of the Foreign Transaction and the conversion rate
may  differ  from  the  rate  of  exchange  in  effect  at  the  time  of  the  Foreign  Transaction.  You  agree  to  pay  the  converted
amount to us in U.S. dollars. If a currency conversion occurs for a Foreign Transaction, you must pay a Foreign Transaction
Fee equal to 1% of the U.S. dollar amount of the Foreign Transaction charged to your Account. If the Foreign Transaction was
transacted  in  U.S.  dollars,  you  must  pay  a  Foreign  Transaction  Fee  equal  to  0.8%  of  the  U.S.  dollar  amount  of  the  Foreign
Transaction charged to your Account.

6.  RESEARCH  FEE:  You  must  pay  $3.00  for  each  copy  of  a  sales  slip  and  $4.00  for  each  duplicate  copy  of  a  Statement  you
request, unless prohibited by applicable law. We will not impose these fees if you have notified us in writing of a potential
billing error and you request these items in connection with the billing error.

Default: Subject to any limitations of applicable law, we may declare your Account to be in default at any time if: (i) you fail
to  pay  us  an  Account  payment  when  it  is  due;  (ii)  borrow  more  than  permitted  by  your  Account  credit  limits;  (iii)  any
statement you made to us in connection with the Account application was materially false or misleading; or (iv) you breach

https://www.investarbank.com/Personal/CreditCards/CardholderAgreement.aspx

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Cardholder Agreement

any  other  promise  or  duty  you  owe  under  this  Agreement.  Following  an  event  of  default,  we  may  require  that  you
immediately pay us the entire amount due for your Account and/or suspend or cancel your Account privileges, after we give
any  notice  and  wait  any  time  period  that  may  be  required  by  applicable  law.  After  an  event  of  default  and  subject  to  any
limitations  of  applicable  law,  you  agree  to  pay  all  of  the  reasonable  costs  we  incur  in  collecting  your  Account  balance,
including reasonable attorney’s fees in an amount not to exceed twenty‐five percent (25%) of the unpaid debt after default,
regardless of whether we file suit against you.

Suspension, Cancellation, Revocation: We may suspend or cancel Account privileges and the right for you or any Authorized
User  to  use  a  Card  at  any  time,  for  any  reason,  and  without  giving  you  advance  notice,  subject  only  to  any  notices  or
limitations expressly required by law. You agree that any such action on our part will not cancel or affect your duty to pay
everything you owe in connection with your Account as required by the Agreement. If we revoke a Card, you must return it to
us at our request. You may not use a Card after it has expired or been revoked. You must surrender an expired or revoked
Card if a merchant or financial institution asks you to do so. If you ask us to cancel your Account, but you or an Authorized
User  continues  to  use  the  Account  after  the  date  of  cancellation,  we  will  consider  such  use  as  your  request  to  have  the
Account reinstated. We may then reinstate your Account and bill you accordingly.

Waiver; Severability: If we do not exercise any of our rights under this Agreement or we waive a right on any one occasion,
you  agree  this  does  not  mean  we  are  waiving  our  rights  on  any  other  occasion.  If  any  of  this  Agreement  conflicts  with
applicable  law,  you  and  we  agree  that  the  law  will  control  and  this  Agreement  will  be  considered  changed  to  the  extent
needed  to  comply  with  law.  If  any  part  of  this  Agreement  is  determined  by  a  court  of  valid  jurisdiction  to  be  invalid,  the
remainder of this Agreement will remain in effect.

Change of Billing Address – Notices: You must notify us immediately of any change in your billing address. Any notice given
by  us  will  be  given  to  you  when  it  is  deposited  in  the  United  States  Mail,  postage  prepaid,  addressed  to  you  at  the  latest
billing address shown on our records.

Consent for Communications: By providing at any time the number of your land line, cell phone or other wireless device and
your email address, you expressly consent and agree that we and any of our affiliates, agents, service providers or assignees
may  call  you,  using  an  automatic  telephone  dialing  system  or  otherwise;  may  leave  you  a  voice,  prerecorded,  or  artificial
voice  message;  and  may  send  you  a  text,  e‐mail  or  other  electronic  message  for  any  purpose  related  to  the  servicing  or
collection of any Account, Card or loan you may receive from us or for other informational purposes related to your Account
(each  a  “Communication”).  You  agree  that  we  and  any  of  our  affiliates,  agents,  service  providers  or  assignees  may  call  or
text you at any telephone number associated with your accounts that you provide to us now or in the future, including cellular
telephone numbers, and that we may send an e‐mail to any email address associated with your accounts that you provide to
us now or in the future. To cancel your consent for use of automatic telephone dialing systems and prerecorded or artificial
voice messages, please write to us at Investar Bank, 10500 Coursey Blvd., 3rd Floor Loan Operations, Baton Rouge, LA 70816.
You also agree that we and any of our affiliates, agents, service providers or assignees may include your personal information
in a Communication. We will not charge you for a Communication, but your service provider may. You agree that we and our
agents  and  service  providers  may  monitor  and  record  telephone  calls  about  your  Account  to  assure  service  quality  and  for
other  legitimate  business  reasons.  In  addition,  you  understand  and  agree  we  and  any  of  our  affiliates,  agents,  service
providers or assignees may always communicate with you in any manner permissible by law that does not require your prior
consent.

Transfer and Assignment; Change of Rates, Fees, and Terms: You may not transfer your Account or any of your rights and
duties under this Agreement. Any such transfer will be void. We may transfer your Account and any of our rights and duties
under this Agreement at any time. We may also change the rates, fees, and terms of your Account and this Agreement at any
time, after we give you any notice and wait any time period that may be required by law. We will, if required by law or at
our discretion, allow you to reject certain changes and close your Account to future transactions. If this happens, you must
still pay all of the Interest Charges, Fees and the unpaid Account balances as required by this Agreement.

To  Cardholders  in  the  United  States.  Your  Billing  Rights  –  Keep  This  Notice  for  Future  Use.  This  notice  contains
important information 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  to  us  at:  Investar  Bank,  Attn:
Chargeback/Dispute Dept. TA‐24, P.O. Box 30495, Tampa, FL 33630‐3495. 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 automatic 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.

https://www.investarbank.com/Personal/CreditCards/CardholderAgreement.aspx

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• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• If we made a 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 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 ten (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 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 made to you, or if we own the company that sold you the goods or services.)

2. You must have used you 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: Investar Bank, Attn: Chargeback/Dispute Dept. TA‐24, P.O. Box 30495, Tampa, FL 33630‐
3495 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 do not pay, we may report you as delinquent.

Helpful Links

Calculators

Disclaimers

https://www.investarbank.com/Personal/CreditCards/CardholderAgreement.aspx

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