IBERIABANK VISA SELECT

TRUTH-IN-LENDING DISCLOSURES
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases.	7.50% introductory APR for one year from the account open date. After that, your APR will be 7.50%. This APR will vary with the market based on the Prime Rate.
APR for Balance Tranfers	7.50% introductory APR 12 billing cycles from the posting date of the balance transfer check, if posted within 3 months of the account opening date. After that, your APR will be 7.50%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	12.75% This APR will vary with the market based on the Prime Rate.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard/
Fees
Set-up and Maintenance Fees	NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Annual Fee: $45 Additional Card Fee: $5 per occurrence
Transaction Fees	Balance Transfer: None Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $100) Foreign Transaction: 2% of the transaction amount for all transactions where the merchant country is not the United States, regardless of whether a currency conversion occurs.
Penalty Fees	Late Payment $15 if balance is less than $100 $29 if balance is $100 to $1,000 $35 if balance is more than $1,000 Returned Payment: $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

 

THE ABOVE DISCOSURES ARE ACCURATE AT THE DATE OF PRINTING (11/2009). IBERIABANKfsb HAS POWER TO CHANGE THE ANNUAL PERCENTAGE RATE UPON 45 DAYS WRITTEN NOTICE TO THE CARDHOLDER. THE ANNUAL PERCENTAGE RATE WILL NEVER BE MORE THAN THE MAXIMUM RATE PERMITTED BY APPLICABLE LAW. BECAUSE RATE AND TERMS ARE SUBJECT TO CHANGE, YOU MAY CONTACT US FOR CURRENT INFORMATION BY WRITING TO:

               IBERIABANKfsb

               P.O. BOX 7500

               LITTLE ROCK, AR 72217-7500

In this Agreement the word “Issuer” means IBERIABANK fsb.

Establishment of a credit line will be at the discretion of the Issuer, based on the information furnished on your application and supporting documents. This application is the property of IBERIABANKfsb. No person or organization is authorized to reproduce, distribute, or solicit applications on behalf of IBERIABANKfsb.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT:
To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person (including business entities) who opens an account.

What this means for you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We will let you know if additional information is required.

ARBITRATION:
I understand that the Customer Agreement contains an Arbitration Provision that may limit my legal rights, including my right to go to court, to have a jury trial, and to participate in class actions.

STATE LAW DISCLOSURES:

Married Wisconsin Residents:

No agreement, individual statement, or court order, applying to marital property will adversely affect the creditor’s interest unless the creditor, prior to the time credit is extended, is furnished with a copy of the agreement, statement, or order, or has actual knowledge to the adverse provision when the obligation to the creditor has occurred.

New York and Vermont Residents:
Issuer may obtain at any time your credit reports for any legitimate purpose associated with the account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Banking Department (1-800-518-8866) for a comparative list of credit card rates, fees, and grace periods.

California Residents:
Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. Regardless of your marital status, you may apply for credit in your name alone. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Ohio Residents:
Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Appplicable Law:
We are a federally-chartered savings bank with our headquarters located in Arkansas. We will review and analyze your Credit Card Application in Arkansas. If we accept your application, we will do so in Arkansas. Payments on your account will be made to us in Arkansas. Consequently, your Account and each use of your account for Purchase, Cash Advance or Balance Transfer Check is a loan made in Arkansas; and our agreement with you will be governed by applicable Arkansas and federal law, including the federal law under 12 USC § 1831u(f), as if may be amended, and any laws of other States which are made applicable by said Section 1831u(f).

IBERIABANKfsb 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 Arkansas. At its sole discretion, IBERIABANKfsb reserves the right to do so again, and any such sale may include any account IBERIABANKfsb establishes for Applicant. IBERIABANKfsb has also denied credit solely on the basis that the applicant previously had an account with IBERIABANKfsb that was sold and assigned to another institution. In the event your account is sold to another institution, IBERIABANKfsb reserves the right to deny your application for another credit card on this basis. In the event an account is sold to another institution, the purchaser may elect to offer account terms and conditions which differ from those offered by IBERIABANKfsb and which may include an Annual Percentage Rate which is substantially higher than the Annual Percentage Rate offered by IBERIABANKfsb. The purchaser may also offer account holders the option of rejecting the new terms and conditions, but it is highly probable that rejection of new terms and conditions offered by a purchaser would result in cancellation of the account holder's right to make purchases or obtain cash advances. In the event of such cancellation, IBERIABANKfsb or the purchaser will, upon request, refund a pro rata portion of the account holder's Annual Membership Fee. Payment of the Annual Membership Fee does not assure that the terms and conditions of an account will remain unchanged or that the account will continue throughout the annual period covered by the Fee.

For Privacy Information, please visit our website at http://creditcards.iberiabank.com.