Client Welcome Guide. Important Information About Your Florida Gulf Bank Accounts Becoming IBERIABANK Accounts

Transcription

1 Client Welcome Guide Important Information About Your Florida Gulf Bank Accounts Becoming IBERIABANK Accounts

2 About Us 125 Years of Excellence and Counting In March 2012, IBERIABANK proudly celebrated 125 years in business. A lot has changed since 1887, but our commitment to taking care of our clients has remained the same. Founded in New Iberia, Louisiana, IBERIABANK is now the largest Louisiana-based financial holding company. Our Company operates over 270 offices in 12 states, including 178 bank branches in the Southeastern United States, and is traded on the NASDAQ Stock Exchange under the symbol IBKC. With $11.8 billion in assets*, we are committed to solid financial performance, providing extraordinary client service and offering a wealth of products, services and convenient locations. Independent agencies, including Bauer Financial and Forbes have consistently ranked our Company as a top performing financial institution. Our relationship-based approach to banking focuses on making decisions locally, close to our clients and community. We entered the Southwest Florida market in 2009 and are projected to be the 6th largest bank based on deposit market share in Lee and Collier counties (based on most recent FDIC data available). Our associates and management are dedicated to enriching this community through volunteerism and by building strong community partnership. We are very excited about our growth in Southwest Florida and are very pleased to welcome Florida Gulf Bank clients and associates to the IBERIABANK family. In the following pages of this Client Welcome Guide, you will find pertinent information about your accounts, our service offerings and locations. We encourage you to review this booklet thoroughly. If you have any questions, please do not hesitate to contact your Relationship Banker or a Customer Service Representative at (800) We truly value your business and look forward to serving you. *As of March 31, 2012 Our Mission Statement l l l l l Provide exceptional value-based client service Great place to work Growth that is consistent with high performance Shareholder focused Strong sense of community

3 is becoming Welcome to IBERIABANK The Power of Personal Service is now even better! In March, we proudly announced a definitive agreement to merge with IBERIABANK pending shareholder approval. Our teams have been working very closely over the past few months to ensure a smooth transition for you, our valued client. Over the weekend of August 17, 2012, we will officially convert to IBERIABANK s systems and change the name on all our signage. Although our logo will be different, I want to assure you that our commitment to delivering unparalleled client service and our dedication to serving our local community will remain unchanged. I will continue to oversee the Lee County market for IBERIABANK as Executive Vice President and Market President. Our team of professional bankers will serve your needs now and into the future with improved technology, expanded product offerings and deeper resources. Another benefit to this union is our expanded network of branches and ATMs. We re adding two locations in Fort Myers including branches in Colonial Crossings on Colonial Boulevard and Daniels Parkway at Plantation Road, as well as a location in Southwest Cape Coral. If you happen to travel around Southwest Florida, you will also enjoy our seven branches in Collier County as well as offices in the Sarasota/Bradenton area, the Keys and Southeast Florida. As a client of IBERIABANK, you will continue to experience the Power of Personal Service. Backed by 125 years of solid financial performance, IBERIABANK s relationship-based approach to banking focuses on making decisions locally, close to our clients. Our experienced banking professionals look forward to introducing you to the many advantages of IBERIABANK. Sincerely, Table of Contents Introduction and Contact Information 2 FDIC Deposit Insurance Information 3 Information About: General Information 4 ATM and Debit Cards 6 Telephone Banking 8 Online Banking and Mobile/Text Banking 9 Bank Statements 10 e-statements 11 Personal Checking, Savings and Money Market Accounts 12 Business Checking, Savings and Money Market Accounts 15 Certificates of Deposit and Individual Retirement Accounts 22 Additional Important Information 23 Loan Account Information 24 Comprehensive Services 25 Florida Locations Guide 26 Our Franchise Map 28 William Bill P. Valenti

4 Introduction and Contact Information Important Information Concerning Your Account(s): As a former Florida Gulf Bank client, you are automatically a client of IBERIABANK. We are committed to ensuring a smooth transition. On August 20, 2012, your account information will be transferred to the IBERIABANK operating system. While you may experience some changes to your account(s), you should not experience a disruption in service. We have enclosed detailed information about these changes. Contact Us If you would like additional information or personal assistance, please visit your nearest branch, contact a Customer Service Representative at (800) or us at customerservice@iberiabank.com. Call (800) Monday through Friday 8am-8pm ET and Saturday 10am-2pm ET Visit your nearest branch 2 IBERIABANK IBERIABANK Mortgage IBERIA Capital Partners Lenders Title United Title of Louisiana, Inc. Credit Cards creditcards.iberiabank.com

5 FDIC Deposit Insurance Information Important Information Regarding FDIC Deposit Insurance Coverage Limits If you are a client of both IBERIABANK and Florida Gulf Bank, and your total deposits exceed the FDIC insurance coverage limit of $250,000 per depositor, please read the important information below. Deposits from Florida Gulf Bank are separately insured from deposits at IBERIABANK for six months after the anticipated merger date (pending shareholder approval), or January 31, This grace period will give you the opportunity to restructure your accounts, if necessary. Certificates of Deposits ( CDs ) from Florida Gulf Bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period. All funds in a noninterest-bearing transaction account are insured in full by the FDIC from December 31, 2010 through December 31, This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC s general deposit insurance rules. For more information on FDIC Insurance coverage, please visit 3

6 General Information Can I access IBERIABANK ATMs? Yes. You can visit any IBERIABANK ATM today with no ATM transaction fees. Can I bank at other IBERIABANK locations? Beginning August 20, 2012, you may conduct your banking transactions at any IBERIABANK branch location. Please refer to the locations guide on page 26 for more details. Can I continue to use my Florida Gulf Bank checks and deposit tickets? Yes. You may continue to use your current Florida Gulf Bank checks and deposit tickets. When reordering checks, you will receive new IBERIABANK checks and deposit slips with the IBERIABANK name and routing number. Can I continue to use my Florida Gulf Bank ATM or debit card? Yes. You may continue to use your Florida Gulf Bank ATM or debit card until you receive your new IBERIABANK ATM or debit card. Will my deposit account numbers change? No. Your deposit account number will remain the same and will appear on your IBERIABANK statements as well as other account documents you receive from us after August 20, 2012 unless you are notified by mail. 4

7 General Information Important dates to remember: August 17, 2012: You will receive your final Florida Gulf Bank bank account statement(s). August 20, 2012: New Online Banking and Bill Pay Service will begin. August 20, 2012: New 24-Hour Telephone Banking Service will be accessible. August 22, 2012: New IBERIABANK ATM or Visa debit cards will be mailed. December 3, 2012: Florida Gulf Bank MasterCard debit cards will no longer be valid. 5

8 ATM and Debit Cards Automated Teller Machine (ATM) and Debit Card Information You may continue to use your Florida Gulf Bank ATM or MasterCard debit card until you receive your new IBERIABANK ATM or Visa debit card at the end of August. Upon receipt, please activate and begin using your new card immediately. There are no ATM transaction fees for withdrawals at any IBERIABANK ATM. However, when making an ATM withdrawal or transfer at a non-iberiabank ATM, there will be a service fee of $2.00 plus a potential surcharge levied by the ATM owner. Please see the enclosed Client Agreements and Disclosures booklet for additional details on fees. For a complete listing of IBERIABANK branches and ATMs in Southwest Florida, refer to the locations guide on page 26. For your convenience, IBERIABANK offers complimentary ATM withdrawals at all Publix Super Market ATMs. You will soon enjoy some additional ATM and debit card enhancements, which include the ability to deposit checks directly into any IBERIABANK ATM without using a deposit slip or envelope. Our ATMs create a digital impression of your checks, provide a summary of the checks deposited, and print check images on your deposit receipt. 6

9 ATM and Debit Cards Debit Card Rewards Program You may also enroll your debit card in our UChoose Rewards program. Rewards points are earned every time you use your enrolled IBERIABANK Visa debit card (excluding ATM transactions). As you accumulate reward points, you can choose from a wide array of products, travel experiences and activities, event tickets, merchant gift cards and much more! Watch for more information coming soon. 7

10 Telephone Banking Telephone Banking Service To begin using the new IBERIABANK Telephone Banking Service on or after Monday, August 20, 2012, follow these simple steps: 1) Dial (800) ) Select the first menu option (Account Information) to register each of your accounts. 3) Enter your account number found on any of your account statements or printed on your checks. 4) Enter the last four (4) digits of the Social Security Number of the primary account holder. 5) Establish a new Personal Identification Number (PIN), which will be used for future inquiries. 8

11 Online Banking, Bill Pay and Mobile/Text Banking Online Banking and Bill Pay We will be converting Online Banking and Bill Pay services at the close of business Friday, August 17, Account access through the IBERIABANK Online Banking and Bill Pay services will be fully available beginning Monday, August 20, We encourage you to print or download your Florida Gulf Bank Online Banking transaction history, check images, and bill pay payee information, so you can easily verify this information on or after August 20, In the coming weeks, you will receive detailed Online Banking and Bill Pay information by mail for accessing your account(s). In the meantime, you can also visit for more information about your new Online Banking and Bill Pay service. Mobile/Text Banking We invite you to take advantage of the IBERIABANK free Mobile and Text Banking beginning August 20, Access account information, pay bills, transfer funds and even find ATMs and branch locations easily from your mobile phone. If you don t have internet access on your mobile phone, you can use our Text Banking service. Please check with your mobile service provider as they may charge for connectivity or usage rates. Visit for additional information. 9

12 Bank Statements Bank Statement Information You will receive an interim deposit account statement reflecting account activity from your last statement through August 17, Thereafter, you will receive your personal or business checking or money market statement approximately the same time as you receive your current statement. Savings statements, you will begin receiving quarterly. If electronic activity occurs during the month on your savings account, then you will receive a monthly statement. Check and Deposit Slip Images Check and deposit slip images may be viewed through our Online Banking service after August 20, Images returned on deposit statements will reflect 12 images to a page. Personal Accounts: Check images are returned on all personal checking accounts. Business Accounts: Check images and deposit slip images are returned on all business accounts. 10

13 e-statements goodbye paper, hello green... e-statements Go Green and enroll in the IBERIABANK e-statement service. Replace your traditional paper statement with e-statements. You ll save time, reduce clutter and protect the environment. Beginning August 20, 2012, you ll be able to enroll in e-statements through our Online Banking at 11

14 Personal Checking, Savings and Money Market Accounts On August 20, 2012, your personal accounts will be converted to IBERIABANK. We carefully evaluated and compared products to ensure that your new IBERIABANK accounts are best suited for your needs. The following pages of this Client Welcome Guide provide a brief summary of the features and benefits of your new accounts and information on new services such as Relationship Banking, Health Savings Account and Holiday Savings. For additional information about balance requirements, interest and fees, please refer to the Rate and Fee Schedule located in the Client Agreements and Disclosures booklet enclosed with this mailing. If you have questions or need more information on a service better suited for your financial situation, please visit one of our branches or call (800) Personal Checking Account If your Florida Gulf Bank account is: Coastal Checking Pinnacle Checking Gulfview Checking Your IBERIABANK account will become: Freedom Checking Freedom Checking Balance Checking Please see pages 18 and 19 for a personal checking account comparison chart. 12

15 Personal Checking Accounts Freedom Checking: Enjoy the freedom that comes with free Online Banking with Bill Pay, Mobile Banking, and e-statements, plus a variety of easy ways to avoid a monthly service charge. Balance Checking: Make the most of your banking relationship by leveraging all your IBERIABANK personal deposit account balances to avoid a monthly service charge. Relationship Banking: Get rewarded for your relationship! Earn interest on your Relationship Banking account, plus qualify for bonus interest up to 0.20% on all your interest-bearing personal checking, money market and savings accounts. Priority Checking: Benefit from the added complimentary services available with this account! It s a total relationship that recognizes all your personal deposit accounts with us. Classic Checking: Tailored to our clients age 50 and over, this relationship account includes a low minimum monthly balance combined with additional service offerings. 13

16 Personal Savings and Money Market Accounts Personal Money Market and Savings Account If your Florida Gulf Bank account is: Seabreeze Savings Dolphin Savings Bayside Money Market Your IBERIABANK account will become: Statement Savings Statement Savings Select Money Market Account Please see page 21 for a savings and money market account comparison chart. Statement Savings: Save the simple and easy way! Statement Savings is a great starter account that earns interest on your entire balance. Holiday Savings: Save for holiday expenses while earning interest with this easy, hassle-free account. Health Savings Account: Manage healthcare expenses while taking advantage of a lower premium health insurance plan. Set aside funds on a pre-tax or tax-deductible basis to pay for routine healthcare costs including office visits, prescription drugs and other medical expenses. This account is only available for individuals covered by a high deductible health plan. 14 Select Money Market Account: Grow and maximize your savings objectives with an IBERIABANK money market. This account offers a convenient and effective way to manage your money to meet your financial goals.

17 Business Checking, Savings and Money Market Accounts On August 20, 2012, your business accounts will be converted to IBERIABANK. We recognize the importance of having the right account for your business. We carefully selected business accounts with the features and functionality that best matched your current account. The following pages of this Client Welcome Guide provide a brief overview of our business account offerings. For additional information about balance requirements, interest and fees, please refer to the Rate and Fee Schedule located in the Client Agreements and Disclosures booklet enclosed with this mailing. If you have questions or need more information on a service better suited for your financial situation, please visit one of our branches or call (800) Business Checking Account If your Florida Gulf Bank account is: Small Business Checking Premier Business Checking Business NOW Small Business Checking Plus Non-Profit Checking Attorney Escrow Qualified Public Deposit Account (QPD DDA) IOLTA (Interest on Lawyers Trust Account) Your IBERIABANK account will become: Free Business Checking Free Business Checking Free Business Checking Business Interest Checking Business Interest Checking Business Interest Checking Business Interest Checking Public Fund IOTA (Interest on Trust Accounts) Please see page 20 for a business checking account comparison chart. 15

18 Business Checking Accounts Free Business Checking: A flexible, functional checking account designed to meet your unique small business needs. Free Business Checking is just that, free, with no minimum balance and no monthly service charge. Plus, 500 transaction items are included at no charge every statement cycle. As an added perk, small business owners are also eligible to have the monthly service charges waived for two free personal checking accounts. Business Interest Checking: Small business owners know every last dollar counts. Business Interest Checking offers competitive interest rates on your balances. Choice Business Checking: Give your business the tools it needs to grow. Choice Business Checking comes complete with high-end features, on a small business budget. Upgrade to remote deposit capture or merchant processing services and increase efficiencies for your company. Choice Checking allows you to capitalize on every opportunity and select services that best fit your needs. Advanced Business Checking: Advanced Business Checking is ideal for businesses with large transaction volumes. This account cuts down transaction costs by offering a flat per item fee and an earnings credit that may reduce monthly service charges. IOTA (Interest On Trust Accounts): The interest earned on the IOTA (also known as IOLTA) is used to fund legal aid, legal education for the public and other activities that improve the quality of justice. 16 Other Business Accounts: If your business account information is not listed, please contact your Relationship Banker for information on your business deposit account(s).

19 Business Savings and Money Market Accounts Business Savings and Money Market Account If your Florida Gulf Bank account is: Business Savings Commercial Money Market Your IBERIABANK account will become: Statement Savings Business Select Money Market Account Please see page 21 for a savings and money market account comparison chart. Statement Savings Business: Simplify your finances and get back to running your business with the simplicity of our Statement Savings Business account. Select Money Market Account: Build your company s bottom line with this interest-bearing money market account. Maintain a level of liquidity with convenient access to your funds at any IBERIABANK branch. Health Savings Account: Give your employees a place to save for future medical expenses, tax-free. The funds in a Health Savings Account are owned entirely by the individual. This account offers employees a more efficient way to cover healthcare costs with no administrative burden for your business. 17

20 Personal Checking Account Information Freedom Checking A convenient checking account for banking made simple Balance Checking Balance Checking utilizes relationship balances and offers convenient services Classic Checking A banking relationship for clients age 50 and over Minimum deposit to open account $50 Maintain a monthly minimum balance of $500 or more; Combined monthly direct deposits of $500 or more; You are a student; Or, you are a small business owner and have an IBERIABANK small business checking account $100 $100 Easy ways to waive the monthly service charge Maintain a monthly minimum balance of $800 or more; Or, maintain combined balances of $2,500 in any personal: Checking or money market account Savings account Certificate of Deposit or Individual Retirement Account Or, you are a small business owner and have an IBERIABANK small business checking account Maintain a monthly minimum balance of $100 or more; Or, maintain combined balances of $5,000 in any personal: Checking or money market account Savings account Certificate of Deposit or Individual Retirement Account Or, you are a small business owner and have an IBERIABANK small business checking account Monthly service charge Check writing Earns interest Minimum balance to earn interest Bounce Protection limit Visa debit card $8 Unlimited No N/A $200 No annual fee Online Banking and Online Bill Pay View check and deposit images Set alerts Mobile Banking and Text Banking Receive e-statements Enroll in e-documents Charge depends on check style $8 Unlimited Yes $1,500 $300 No annual fee Online Banking and Online Bill Pay View check and deposit images Set alerts Mobile Banking and Text Banking Receive e-statements Enroll in e-documents Charge depends on check style Check account balances and transactions through our Telephone Banking service $8 Unlimited Yes $1,500 $500 No annual fee Online Banking and Online Bill Pay View check and deposit images Set alerts Mobile Banking and Text Banking Receive e-statements Enroll in e-documents No charge (shipping & handling fees apply) Complimentary services Standard bank checks Additional features Check account balances and transactions through our Telephone Banking service One Safe Deposit Box 10% discount IBERIABANK foreign ATM usage fee is waived Receive up to two foreign ATM surcharge credits when you use a non-iberiabank ATM or its non-affiliated network Check account balances and transactions through our Telephone Banking service 18 Disclosure: On personal checking accounts, the term month refers to your account s statement cycle. For account details and any restrictions that may apply to an account, please refer to the Client Agreement and Disclosures booklet, and the Rate and Fee Schedule, located in the back cover insert. Selected services are not available in all states or locations.

21 Personal Checking Account Information Minimum deposit to open account Easy ways to waive the monthly service charge Relationship Banking Bundle selected personal deposit accounts and earn bonus interest on qualified relationships $100 Maintain a monthly minimum balance of $25,000 or more; Or, maintain a combined average collected balance of $25,000 in any personal: Checking or money market account Savings account Certificate of Deposit or Individual Retirement Account Or a personal loan with an outstanding principal balance of $50,000 or more Or, you are a small business owner and have an IBERIABANK small business checking account Priority Checking An account that recognizes your personal deposit accounts with us $100 Maintain a monthly minimum balance of $1,500 or more; Or, maintain combined balances of $15,000 in any personal: Checking or money market account Savings account Certificate of Deposit or Individual Retirement Account Or, you are a small business owner and have an IBERIABANK small business checking account Monthly service charge Check writing Earns interest Minimum balance to earn interest Bounce Protection limit Visa debit card Complimentary services Standard bank checks Additional features $20 Unlimited Yes / Earn Bonus Interest on qualified deposit relationships $1,500 $500 No annual fee Online Banking and Online Bill Pay View check and deposit images Set alerts Mobile Banking and Text Banking Receive e-statements Enroll in e-documents No charge (shipping & handling fees apply) Safe Deposit Box 30% discount Annual fee waived for personal overdraft protection line of credit Rate increase at time of negotiation on CDs according to Relationship bonus interest tier; at client s request No fee Official Checks (limit 5 per month) IBERIABANK foreign ATM usage fee is waived Receive up to two foreign ATM surcharge credits when you use a non-iberiabank ATM or its non-affiliated network Check account balances and transactions through our Telephone Banking service $15 Unlimited Yes $1,500 $500 No annual fee Online Banking and Online Bill Pay View check and deposit images Set alerts Mobile Banking and Text Banking Receive e-statements Enroll in e-documents No charge (shipping & handling fees apply) One Safe Deposit Box 30% discount Annual fee waived for personal overdraft protection line of credit No fee for Official Checks (limit 5 per month) IBERIABANK foreign ATM usage fee is waived Receive up to two foreign ATM surcharge credits when you use a non- IBERIABANK ATM or its non-affiliated network Check account balances and transactions through our Telephone Banking service Disclosure: On personal checking accounts, the term month refers to your account s statement cycle. For account details and any restrictions that may apply to an account, please refer to the Client Agreement and Disclosures booklet, and the Rate and Fee Schedule, located in the back cover insert. Selected services are not available in all states or locations. 19

22 Business Checking Account Information Free Business Checking Ideal for small business owners with limited transaction volume Choice Business Checking Perfect for growing businesses that want Remote Deposit Capture or Merchant Processing Advanced Business Checking Great for businesses with large transaction volume Business Interest Checking Clients seeking competitive interest rates paid on their balance Minimum deposit to open account $100 $100 $100 $100 Monthly charge No monthly service or reduced service charge if None No monthly service charge $25 Maintain a $25,000 minimum daily balance OR Maintain $50,000 combined minimum balances with IBERIABANK $12 Earnings Credit Rate may offset monthly service charge $10 Maintain a $10,000 daily minimum blance Items allowed Additional per item fee Currency deposited allowed 500 No fee $10,000 per statement cycle 500 $.50 per item $10,000 per statement cycle $.17 per item N/A $10,000 per statement cycle 300 $.50 per item $10,000 per statement cycle Additional currency deposited fee N/A $1.75 per additional $1,000 $1.00 per additional $1,000 $1.75 per additional $1,000 Earnings credit N/A N/A Yes N/A Earns interest N/A N/A N/A Yes Complimentary services Two personal checking accounts with service charges waived for small business owner Visa debit card with reward points and no annual fee Online Banking and Bill Pay Mobile Banking and Text Banking e-statements and e-notices Two personal checking accounts with service charges waived for small business owner Visa debit card with reward points and no annual fee Online Banking and Bill Pay Mobile Banking and Text Banking e-statements and e-notices Two personal checking accounts with service charges waived for small business owner Visa debit card with reward points and no annual fee Online Banking and Bill Pay Mobile Banking and Text Banking e-statements and e-notices Two personal checking accounts with service charges waived for small business owner Visa debit card with reward points and no annual fee Online Banking and Bill Pay Mobile Banking and Text Banking e-statements and e-notices Disclosure: On business checking accounts, the term month refers to your account s statement cycle. For account details and any restrictions that may apply to an account, please refer to the Client Agreement and Disclosures booklet, and the Rate and Fee Schedule, located in the back cover insert. Selected services are not available in all states or locations. 20

23 Personal and Business Savings and Money Market Account Information Statement Savings Holiday Savings Health Savings Account Select Money Market A traditional savings account; the simplest way to save An easy hassle-free way to save for holiday expenses A tax advantage account to offset healthcare expenses Exceptional savings and convenient check writing capabilities Minimum deposit to open account $50 $10 $50 $2,500 Balance to avoid service charge Monthly service charge Withdrawals permitted Deposit limits $200 $3 Four withdrawals permitted per month at no charge; $3.00 each thereafter Unlimited N/A None None Unlimited Auto draft from your IBERIABANK checking account is required $1,000 $2.50 Limited by the IRS to qualified medical purchases Deposits are limited by the IRS and Health Savings Account rules $2,500 $15 Unlimited withdrawals if made through ATM, in-person, by mail or messenger Personal Accounts: Unlimited Business Accounts: Up to 30 deposited items permitted per month; $0.10 each thereafter Minimum balance to earn interest $0.01 $0.01 $0.01 $2,500 Available to Individuals & Businesses Individuals Individuals Individuals & Businesses Additional banking options No monthly service charge for minors under 18 years of age Accumulated funds plus interest earned are automatically deposited to your IBERIABANK deposit account at the end of October For more detailed information on a H.S.A., please check with a tax advisor Telephone Banking available at no charge Disclosure: For account details and any restrictions that may apply to an account, please refer to the Client Agreement and Disclosures booklet, and the Rate and Fee Schedule, located in the back cover insert. Selected services are not available in all states or locations. 21

24 Certificates of Deposit and Individual Retirement Accounts On August 20, 2012, your Certificates of Deposit and Individual Retirement Accounts will become IBERIABANK accounts. The interest rate and Annual Percentage Yield (APY) on your fixed rate Certificate of Deposit (CD) or Individual Retirement Account (IRA) will remain the same when converted to an IBERIABANK account. Renewal notices will be mailed 21 days prior to maturity and will automatically renew unless you contact us. IRA statements are mailed annually. CD statements are not available; however, CD information can be included in a combined statement with a checking, savings or money market account upon request. At CD or IRA maturity, your account will renew with the same term; however, the interest rate may change. The grace period for a renewable CD or IRA is ten (10) days. Additional deposits to a fixed rate CD or IRA are only permitted during the 10 day grace period. Early withdrawal penalties, if applicable to your CD or IRA, will change at renewal. 22

25 Additional Important Information Automatic Drafts and Direct Deposits IBERIABANK will continue to accept your direct deposits, automatic drafts, and other preauthorized deposits and withdrawals. No action is necessary on your part. Bounce Protection Overdraft Privilege on Your Account Bounce Protection is an overdraft privilege service automatically provided to eligible checking account holders. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we may pay the overdraft at our discretion. We can cover your overdrafts in two different ways: 1) Bounce Protection Overdraft Privilege (standard overdraft practices), or 2) Overdraft protection plans, such as a link to a savings account or personal line of credit. Bounce Protection is a discretionary service whereby IBERIABANK reserves the right to pay or not to pay overdrafts (Overdraft Paid or Return Item Fee is $35 per item per presentment). Information on What You Need to Know About Overdrafts and Overdraft Fees, Electronic Fund Transfers and details on Bounce Protection limits for qualified checking accounts with questions and answers are displayed in the Client Agreements and Disclosures booklet (back cover insert). Your overdraft privilege (Bounce Protection ) limit amount will be automatically assigned to your account. Safe Deposit Boxes No changes will be made to your Safe Deposit Box unless you have been previously notified by Florida Gulf Bank. 23

26 Other Loan Account Important Information Information Loan Account Information Consumer Lines of Credit: Due to regulatory requirements, changes in the timing of your first statement at IBERIABANK may reflect a lower payment for the first month because the first billing period may be less than 30 days. General Loan Information: Your loan account number and payment date will remain the same. You may continue to make payments in-person at the branch or by mail using the following new mailing address: IBERIABANK P.O. Box New Iberia, LA You may also enroll in automatic loan payments whereby your IBERIABANK checking account can be debited on a routine basis for your loan payments. If interested, please contact your Relationship Banker or Customer Service at (800) We also offer a variety of loan options including auto loans, home equity lines of credit, home equity loans and home improvement loans. Visit your nearest branch location to learn which options may be best for you. 24

27 Comprehensive Services As you can see, IBERIABANK offers a comprehensive line of services to meet your financial needs. Checking Savings Money Markets Certificates of Deposit Individual Retirement Accounts Personal Loans Mortgage Loans Private Banking Business Banking Commercial Banking Treasury Management Services Wealth Management Services ATM and Debit Cards (Business & Personal) Credit Cards Online Banking and Bill Pay Mobile and Text Banking 24-Hour Telephone Banking Service 25

28 Florida Locations Guide * Indicates Florida Gulf Bank branch locations 26 Boca Raton 1180 North Federal Highway (561) Boynton Beach 1101 North Congress Avenue (561) Bradenton 5310 East SR 64 (941) Manatee West Avenue (941) st Avenue West (941) th Street West (941) Cape Coral 1715 Cape Coral Parkway West (239) Del Prado Boulevard South* (239) Heydon Lane* (239) Delray Beach 900 Southeast 6th Avenue (561) Estero Via Villagio* (239) Fort Myers 4670 Summerlin Road (239) Orion Drive (239) College Pointe Court* (239) First Street* (239) Winkler Road* (239) Daniels Parkway* (239) Dani Drive* (239) Fort Lauderdale 1201 South Andrews Avenue (954) Islamorada Overseas Highway (305) Jacksonville Old Saint Augustine Road (904) Atlantic Boulevard (904) Jacksonville Beach 3288 South Third Street (904) Jupiter 1315 West Indiantown Road (561) Key West 1000 Kennedy Drive (305) Duval Street (305) Marathon Overseas Highway (305) Overseas Highway (305)

29 Florida Locations Guide Marco Island 605 Bald Eagle Drive (239) Naples 3838 Tamiami Trail North (239) Pine Ridge Road (239) th Street South (239) Immokalee Road (239) Airport Road North (239) Goodlette Road North (239) Palm Springs 2764 South Congress Avenue (561) Royal Palm Beach 119 South State Road Seven (561) Parrish US 301 North #104 (941) Pompano 990 North Federal Highway (954) Sarasota 2815 University Parkway (941) Main Street (941) South Tamiami Trail (941) th Street (941) South Tuttle Avenue (941) Gulf Gate Drive (941) Venice 1617 US 41 By-Pass (941) West Palm Beach 605 North Olive Avenue (561) Wilton Manors 2465 Wilton Drive (954) For a list of all other IBERIABANK locations, visit us at or scan the QR code above. Use our branch and ATM locator to search for a location near you. 27

30 28 Our Franchise As of June 31, 2012

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