IMPORTANT INFORMATION REGARDING
IBERIABANK CREDIT CARD APPLICATIONS
(Applies to Visa Select, Visa Classic, Visa Gold, and Visa Platinum Products)

Requirements include, but are not limited to:

• Minimum 6 months length of employment with current employer
• Please consider credit status when applying — Excellent Credit Required (As a minimum guideline, Excellent Credit may refer to a credit history free of derogatory information, including current or past delinquency, bankruptcy, and/or collections )
• Verification of information provided by applicant will be performed; additional documentation may be required. (Verifications apply to, but are not limited to, employment, identity, and information furnished by the credit reporting agencies)
• Proof of Income is required on both the applicant and co-applicant (if applicable) to complete an application - IBERIABANK will contact you to obtain this information.

VISA SELECT

• Introductory Fixed Rate on Purchases and Balance Transfers of 7.50% APR this rate will not increase for the first 12 billing cycles. Applies to balance transfers processed within three months of your account open date. Three months after the account open date all Balance Transfers will process at the Purchase Rate of 7.50%. This APR will vary with the market based on Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
  
• Low Ongoing Variable Rate APR after introductory period of 7.50%. This APR will vary with the market based on the Prime Rate.
  
• No transaction fee for balance transfers
• Online access to credit card account information
  
  

VISA CLASSIC

• No annual membership fee
• Low, variable rate of 7.25%, 10.25%, or 13.25% as of 1/1/10 based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
• Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
• Online access to credit card account information
  
  

VISA GOLD

• Earn 1% in cash back credit on all qualifying purchases
• No limit on cash back; no expiration date on eligibility for accounts in good standing
• Travel accident coverage up to $500,000
• No annual membership fee
• Low, variable rate APR of 8.25%, 11.25%, 14.25% as of 1-1-10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
• Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
• Online access to credit card account information
  
  

VISA PLATINUM

• Earn 1 bonus point for every $1 in qualifying net retail purchases
• Turn your points into hotel, travel, gift or experience rewards
• Travel accident coverage up to $1,000,000
• No annual membership fee
• Low, variable rate APR of 8.25%, 11.25%, 14.25% as of 1-1-10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
• Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
• Online access to credit card account information