IBERIABANK CREDIT CARD CUSTOMERS NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

The following information applies to your IBERIABANK credit card account issued by Pulaski Bank, a wholly owned subsidiary of IBERIABANK Corporation.

You may have other privacy protections under state laws. To the extent state laws apply, we will comply with them with regard to our information practices.

For Nevada residents only, Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; e-mail: BCPINFO@ag.state.nv.us.

For Vermont and California residents only. Vermont and California law places additional limits on sharing information about Vermont and California residents so long as they remain residents of those states.

• Vermont : In accordance with Vermont law, Pulaski Bank will not share information we collect about Vermont residents with companies outside of Pulaski Bank except as permitted by law, such as with the consent of the customer, to service the customer's accounts or to other financial institutions with which we have joint marketing agreements. Pulaski Bank will not share Application Information, Consumer Report Information and Information from Outside Sources about Vermont residents among the Pulaski Bank companies except with the authorization or consent of the Vermont resident.

• California : In accordance with California law, Pulaski Bank will not share information we collect about California residents with companies outside of Pulaski Bank except as permitted by law, such as with the consent of the customer, to service the customer's accounts, or to fulfill on rewards or benefits. We will limit sharing among our companies to the extent required by applicable California law.

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options.

We first define some terms.

We, our, and us means Pulaski Bank.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

Nonaffiliated third party is a company that is not an affiliate of ours.

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT:

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

THE CONFIDENTIALLY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION:

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES:

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records, such as:

• Name
• Address
• Account balances
• Account activity
• Types of accounts
• Credit card usage
• Payment history
• Deposit history
• Parties to the transaction

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Other information not taken from transactions and experience:

• Nonpublic personal information we receive from you on an application or other forms, such as:
  • Social security number
  • Assets
  • Income
• Nonpublic personal information about your transactions with nonaffiliated third parties, such as:
  • Name
  • Address
  • Account balances
  • Account activity
  • Types of accounts
  • Credit card usage
  • Payment history
  • Deposit history
  • Parties to the transaction
• Nonpublic personal information we receive from a credit reporting agency, such as:
  • Creditworthiness
  • Credit history
• Nonpublic personal information we receive from other affiliates of ours, such as:
  • Credit history

You may opt out of the disclosure of the information listed above.

Types of Affiliates

We may disclose nonpublic personal information about you to our affiliates, including our banks, mortgage companies, insurance companies, and securities brokerages.:

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES:

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to nonaffiliated third parties.

Transaction and experience information from our account records, such as:

• Name
• Address
• Account balances
• Account activity
• Types of accounts
• Credit card usage
• Payment history
• Parties to the transaction

Other information not taken from transactions and experience:

Nonpublic personal information we receive from you on an application or other forms, such as:

• Social security number
• Assets
• Income

Nonpublic personal information about your transactions with nonaffiliated
third parties, such as:

• Name
• Address
• Account balances
• Account activity
• Types of accounts
• Credit card usage
• Payment history
• Deposit history
• Parties to the transaction
• Your shopping and buying preferences

Nonpublic personal information we receive from a credit reporting agency, such as:

• Creditworthiness
• Credit history

Nonpublic personal information we receive from other affiliates of ours, such as:

• Credit history

Types of Nonaffiliated Third Parties:

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

• Financial service providers, such as creditors with whom you have an existing relationship, other creditors, or insurance providers; and
• Nonfinancial companies, such as companies offering extended warranty coverage on your purchases, our merchandise vendors, or direct marketers

NONPUBLIC PERSONAL INFORMATION AND SERVICE PROVIDERS (OUTSIDE MARKETERS):

We may disclose all the nonpublic personal information we collect, as described in the above section “NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES,” to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

NONPUBLIC PERSONAL INFORMATION AND TRUST CUSTOMERS:

Notwithstanding anything to the contrary contained in this disclosure we do not disclose any information gathered by our trust department with anyone except as necessary to complete authorized transactions or as required by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS:

We do not disclose nonpublic personal information about former customers.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATIONS:

Affiliates. We are permitted to disclose nonpublic personal information about our transactions or experiences with you to our affiliates. We may also disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us to not disclose this other nonpublic personal information.

Nonaffiliated Third Parties. If you prefer that we not disclose nonpublic personal information about you to the nonaffiliated third parties described in the above section “NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES,” you may opt out of those disclosures.

Your decision to block the disclosure of your nonpublic personal information will apply to all consumer credit card products and services you receive from us.

If you have one or more joint accounts, an opt out instruction given by one participant of such an account will affect all of the accounts of the person who opts out and all information from those accounts about others who participate in those accounts.

Any previous opt out by you will now be applied to all information for which you can now opt out.

YOU HAVE THE RIGHT TO OPT-OUT NOTICE

In this Notice, we have explained our policy about the disclosure of certain information.

Affiliates. We have explained the kinds of nonpublic personal information we may disclose to our affiliates. We have also explained the types of affiliates with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to our affiliates, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law.)

Nonaffiliated Third Parties. We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties. We have also explained the types of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law.)

Your decision to block the disclosure of your nonpublic personal information will apply to all consumer credit card products and services you receive from us.

If you have one or more joint accounts, an opt out instruction given by one participant of such an account will affect all of the accounts of the person who opts out and all information from those accounts about others who participate in those accounts.

Any previous opt out by you will now be applied to all information for which you can now opt out. If you wish to opt out of disclosures, you may do so by using one of the following methods:

1. Complete our online form by checking the box(s) on the online Opt Out Notice, complete the required information on the form, and submit it electronically.
   GO TO ONLINE FORM

   OR

2. Print out the online Opt Out Notice, complete the required information, sign the form, and return it to us at this address:
   PRINT OPT OUT FORM

   Pulaski Bank
   Credit Card Department – Opt Out
   P.O. Box 7500
   Little Rock, Arkansas 72217-7500