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|ACCOUNT APPLICATION DISCLOSURE|
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||0.00% or 7.50% introductory APR for one year from the account open rate. This rate will be based on your creditworthiness. After that, your APR will be 7.50%, 9.50% or 11.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.|
|APR for Balance Transfers|
1.99% or 7.50%
Introductory APR for twelve billing periods from the date of the balance transfer check. 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.*
|APR for Cash Advances|
12.75%, 14.75% or 16.75% based on your creditworthiness.
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 and balance transfers on the transaction date.|
|Minimum Interest Charge||If you are charged interest, the charge will be no less than $0.50.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/|
|Additional Card Fee||$5 per occurrence|
|Balance Transfer||3% of the transfer amount|
|Cash Advance||Either $5 or 5% of the amount of each transfer, whichever is greater (maximum fee: $100)|
|Foreign Transaction||3% of each transaction in U.S. dollars.|
|Late Payment||Up to $35|
|Return Payment||Up to $35|
*Introductory APR Offer for Balance Transfers: Introductory Balance Transfer checks must be used within three (3) months of account open date to take advantage of this promotional offer.
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Your account has a variable rate based on the Prime Rate. Your APR may increase based on the U.S. Prime Rate. 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 immediately preceding the calendar month in which the billing cycle ends. The Prime Rate in effect as of August 1, 2012 is 3.25%. A change in Prime Rate may increase your interest charges and the scheduled minimum monthly payment amount.
IBERIABANK MAY 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 LAW.
P.O. BOX 7500
LITTLE ROCK, AR 72217-7500
In this Agreement the word "Issuer" means IBERIABANK.
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 IBERIABANK. No person or organization is authorized to reproduce, distribute, or solicit applications on behalf of IBERIABANK.
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.
You understand that the Customer Agreement contains an Arbitration Provision that may limit your legal rights, including your right to go to court, to a 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.
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 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.
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 on your Account will be decided by, as applicable (i) Louisiana law, (ii) any state which are made applicable by laws of other states which are made applicable by laws of the State of Louisiana Revised Status laws of the United States of America.
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, IBERIABANK reserves the right to do so again, and any such sale may include any account IBERIABANK establishes for Applicant. 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 an account is sold to another institution, the purchaser may elect to offer account terms and conditions which differ from those offered by IBERIABANK 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 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, IBERIABANK 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.
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