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  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-
ings.  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 permit-
ted by applicable law.
ASSIGNMENT:
We  can  assign  the  Agreement  to  others  upon 
proper  notification  to  you.  You  may  not  assign 

institution, 

to  another 

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,  IBERIA-
BANK reserves the right to do so again, and any 
such  sale  may  include  your  Account.  IBERIA-
BANK 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 
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 
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 there under will be a loan 
in 
made 
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.

in  Louisiana.  Questions  arising 

information  about  product 

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

IMPORTANT INFORMATION TO
READ AND SAVE

CARDHOLDER CREDIT CARD
AGREEMENT AND
ADDITIONAL DISCLOSURES
(MEMBERSHIP RULES)

IBR0111VPL

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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 head-
quarters  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 
to  your 
Checks”  means  checks  charged 
Account which you use to pay credit or charge 
accounts  at  another  financial  institution  or 
department store.
YOUR RESPONSIBILITY:
This agreement applies to any Card(s) we have 
issued you. You will be obligated by this Agree-
ment  as  soon  as  you  use  your  Card(s)  for  a 
Purchase, Balance Transfer 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

that 

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 prom-
ise  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 
the 
thereafter.  You  agree 
outstanding balance of you 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 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  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:
You  can  use  your  Card(s)  to  obtain  a  Cash 
Advance  (borrow  money)  at  any  participating 
bank  by  presenting  your  Card(s)  and 
completing 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  $5.00  per  transaction  and  a  maximum 
fee  of  $100.00  per  transaction.  The  fee  will 
apply to all Cash Advances, excluding balance 
transfers.

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 
purchases.  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 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 
Y O U R   R I G H T   T O   A   J U R Y   T R I A L .   Y O U  

SHOULD  READ  THIS  PROVISION  CARE-
FULLY.  Any  claim,  dispute,  or  controversy  (a 
“Dispute”) between you and us including without 
limitation  those  related  to  this  Cardmember 
Agreement,  your  Account,  goods  or  services 
purchased  in  whole  or  part  by  use  of  your 
Account, or those relating to the validity, enforce-
ability 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 inter-
state  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 provi-
sion 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 this Cardmem-
ber 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
13455 Noel Road, Two Galleria Tower,
Suite 1750, 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  web 
site 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 

1

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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 
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 some-
one  tries  by  legal  process  to  reorganize, 
liquidate,  or  dissolve  this  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.
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  privilege,  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 an auto- 
        mated 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 remain- 
der 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 delin- 
quent if you do not pay the amount we  
think you owe.

CONVENIENCE CHECKS:
We  may  issue  Convenience  Checks  on  your 
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  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 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 
applicable to 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 
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 

for  you, 

the 

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 
2%  of  the  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  provided  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 or 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 Cardholders 
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  com-
puter.
APPLICATION OF PAYMENTS:
In  Accordance  with  applicable  law,  we  will 
the  order  in  which  any  Minimum 
choose 

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future 

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 PERCENT-
AGE  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 
required 
to  make 
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 the funds will be available for future 
purchases,  cash  advances  or  balance  trans-
fers.  Payments  received  after  5:00  pm  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 elimi-
nate 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 regu-
lar 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 
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  statement.  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 

that  25-day  period,  an 

any 

unpaid 

excluding 

for  a  billing  cycle  is  computed  by  applying  the  
“Monthly  Periodic  Rate”  to  the  Average  Daily 
Balance  of  Credit  Purchases,  which  is  deter-
mined 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  beginning  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 
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  balances  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 
the 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 conver-
sion  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 statement (i) advising you of the 
cancellation of your existing Account, (ii) offer-
ing to enter into a new contract with you estab-
lishing  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,  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 this Account. If we ask, you agree to 
promptly  cut  in  half  and  return  to  us  all  Credit

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