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 
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.

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

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 
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, includ-
ing our original lawsuit against you and your 
counterclaim against us, be arbitrated in accor-
dance with this arbitration provision. You and 
we  agree  that  bringing  the  lawsuit  shall  not 
operate  as  a  waiver  of  our  right  to  demand 
arbitration.
Cost of Arbitration: If you start arbitration, you 
agree  to  pay  the  initial  filing  fee  and  deposit 
required by the AAA. If we start arbitration we 
will pay the filing fee and deposit. If you believe 
you are financially unable to pay such fees you 
may ask the AAA to defer or reduce such fees, 
pursuant 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 
hearings.  The  Commercial  Arbitration  Rules 
and Procedures determine who will pay those 
fees.
Location  of  Arbitration:  Any  arbitration  hearing 
will  take  place  in  the  state  in  which  you  live 
unless  you  and  we  both  agree  to  another 
location.
Enforcement of Arbitration: After the arbitrator 
has made a decision, either you or we may take 
any  legal  action,  including  filing  a  lawsuit,  to 
enforce the arbitrator's decision in any federal 
or state court that has jurisdiction.  
CHANGE OF ADDRESS:
If  you  move,  you  must  notify  us  of  your  new 
address as well as your new phone numbers in 
writing. Please write 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 IBERIA-
BANK  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

13

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15

IMPORTANT INFORMATION TO
READ AND SAVE

CARDHOLDER CREDIT CARD
AGREEMENT AND
ADDITIONAL DISCLOSURES
(MEMBERSHIP RULES)

IBR0111VCL

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 
to  your 
Advances”  means 
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.

loans  charged 

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  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 
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 
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  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 Auto-
mated  Teller  Machine  (ATM)  that  accepts  the 
Card(s). Cash Advances and ATM Withdrawals 
will  be  limited  to  50%  of  your  credit  line  avail-
able.
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 

  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. 

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 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.

to 

those  relating 

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  Cardmember 
Agreement,  your  Account,  goods  or  services 
purchased  in  whole  or  part  by  use  of  your 
Account  or 
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 pursuant to this arbitra-
tion  provision.  This  arbitration  provision  shall 
survive  the  inactivation  or  termination  of  this 
Cardmember Agreement or your account. If any 
portion  of  this  arbitration  provision  is  deemed 
invalid  or  unenforceable,  the  remaining  provi-
sions  are  severable  and  enforceable  to  the 
fullest  extent  permitted  by  law.  This  arbitration 
provision supersedes any prior arbitration provi-
sion 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

1

2

11

12

 
 
 
 
 
 
 
 
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,  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,  become  bankrupt,  give  us 
false information to get this Account or anything 
happens  that  leads  us  to  believe  in  good  faith 
that you will not pay us what you owe us or keep 
your promises to us. You will also be in default if 
the usual business of any persons or organiza-
tion that must pay on this Account is suspended, 
stopped  or  someone  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  autho-
rized 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 Document 
for Future Use
This  notice  tells  you  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your 
Statement
If you think there is an error on your statement, 
write to 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
  question, or report you as delinquent on

that amount.

•  The  charge  in  question  may  remain  on
  your statement and we may continue to
  charge you interest on that amount.
•  While  you  do  not  have  to  pay  the 
  amount in question, you are responsible  

for the remainder of your balance.

•  We  can  apply  any  unpaid  amount 
  against your credit limit.

After we finish our investigation, one of two 
things will happen:

•  If we made 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 ques- 
tion,  along  with  the  applicable  interest 

  $100  per  transaction.  The  fee  will  apply  to  all 
Cash Advances, excluding balance transfers.
CONVENIENCE CHECKS:
We  may  issue  Convenience  Checks  on  your 
Account  and  you  may  use  them  as  regular 
checks;  however,  you  cannot  use  a  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 may 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  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.

INTEREST  CHARGE 

imposed, 

MINIMUM PAYMENT:
You  can  pay  off  all  your  purchases  and 
advances in full each month, or you can pay in 
monthly  installments.  If  you  decide  to  pay  in 
installments, then you must pay us, each billing 
cycle, a minimum payment at of at least 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 
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 computer.

9

10

3

4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
future 

the  order 

APPLICATION OF PAYMENTS:
In  accordance  with  applicable  law,  we  will 
in  which  any  Minimum 
choose 
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 
required 
to  make 
your  obligation 
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 transfers. 
Payments  received  after  5:00  p.m.  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 promo-
tional 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 
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 
comprising 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. 

that  25-day  period,  an 

for 

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  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 
Credit Purchases at the beginning of the billing 
cycle any new Credit Purchases made on your 
Account  and  subtracting  any  payments  as 
received and credits as posted to your Account, 
but excluding any unpaid INTEREST CHARGE. 
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 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 conversion rate used 
on the conversion date may differ from the rate 
in effect on the date you used your card. Trans-
actions 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 
transaction  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 us 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 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

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