Freedom Checking A Guide to Freedom Checking Fees

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1 Monthly Service Fee Monthly Service Fee: Easy Ways to Avoid the Monthly Service Charge: $8 for accounts with e-statements $10 for accounts with paper statements Maintain a monthly minimum balance of $1,000 or more Or, combined monthly direct deposits of $500 or more Or, you are a student* Or, you are a small business owner and have an IBERIABANK small business checking account* Interest Bearing No ATM Fees IBERIABANK ATMs: Non-IBERIABANK ATM Usage in the U.S.: Non-IBERIABANK ATM Usage outside the U.S.: Overdraft Services and Fees Overdraft (Paid) Item Fee and Return Item Fee $0 for using an IBERIABANK ATM to complete a transaction $2 per transaction Additional fees from the ATM owner still apply. 1% of the transaction Additional fees from the ATM owner still apply. $35 per item per presentment (maximum of 6 per day) Overdraft (Paid) Item Fee applies to overdrafts created by checks, in person withdrawals, ATM withdrawals or other electronic means. This fee will be assessed for ATM and normal, everyday debit card transaction only if you opt-in for this service. See the section below called ATM and Normal, Everyday Debit Card Transaction Coverage for more information. Return Item Fee applies when checks are returned unpaid No Overdraft Paid Item Fee will be assessed if at the end of the business day, your account is overdrawn by $5 or less after all transactions have posted.

2 Overdraft Protection: Deposit to Deposit Transfer Overdraft Protection: Line of Credit Transfer $10 daily transfer fee If you are enrolled, when required, a transfer will take place from your linked account. A fee will be assessed if your linked account has enough funds to cover at least one overdraft item. The fee for Overdraft Protection Deposit to Deposit Transfer service is waived for certain checking accounts. $25 annual fee for the Line of Credit If you are enrolled, when required, a transfer will take place from your linked Line of Credit. Interest and fees may apply for transfers from your IBERIABANK Line of Credit. ATM and Normal, Everyday Debit Card Transaction Coverage Option 1: You Opt In You Opt In for coverage of ATM and normal, everyday debit card transaction coverage. This coverage is separate for recurring debits such as automated bill payments or automated transfers. You will be subject to a $35 per item fee if IBERIABANK pays your ATM and normal, everyday debit card transactions, at our discretion, when you don t have enough money available in your account. Option 2: You do NOT Opt In You do NOT Opt In for coverage of ATM and normal, everyday debit card transaction coverage. If you do not Opt In, IBERIABANK will decline these transactions. No overdraft fee will be charged for these declined transactions.

3 Additional Information About IBERIABANK s Overdraft Coverage Fees may be imposed for any debit transaction that causes your account to be overdrawn, including by check, in-person withdrawal, or withdrawal/transfer by any other manual or electronic means. Unless you Opt In, we will generally not authorize and pay ATM withdrawals and normal, everyday debit card transactions that overdraw your account. We may continue to authorize, at our discretion, checks, other payments using your checking account number, and debit card transactions that are set up to bill automatically even if you do not opt in. If we elect to pay an overdraft item, you must deposit additional funds into your account promptly in an amount sufficient to cover the overdraft and any related fees. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. How Deposits and Withdrawals Work The Order in Which On each bank processing day: Withdrawals and Deposits Are Deposit and credit items post before debit items. Processed Debit items post upon receipt in the following order: Wire transfers, ATM and debit card transactions in authorization time and date order. Paper checks in check number order, if available. Checks without a check number post in low to high dollar amount order. All other debit items in low to high dollar amount order. Other debit items include but are not limited to Automated Clearing House (ACH) items, checks converted to ACH by merchants or vendors, telephone and online banking one-time or recurring transfers, pre-authorized debits and account withdrawals. At times, certain debit items may not post in the above order

4 The Order in Which Withdrawals and Deposits Are Processed due to missing or erroneous data or circumstances beyond our control. When Funds Will Be Available The business day we receive your deposit: Funds from electronic direct deposits are available. The first business day after the day we receive your deposit: Funds from your cash and check deposits are available. The second business day after the day we receive your deposit: Depending on the type of check you deposit, funds may not be available until the second business day after the day we receive your deposit. If a longer hold is necessary, the first $200 of your deposit with be available on the same business day that you make your deposit. Longer delays may apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of days. We will notify you if we delay your ability to withdraw funds and we will tell you when the funds will be available. Generally, funds will be available no later than the seventh business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. The cutoff for a business day may vary by branch locations. Please check your local branch for exact times. For complete information on Funds Availability, please refer to our Funds Availability Policy.

5 Other Fees That May Apply ATM/Debit Card Replacement $5 card Check Printing Varies based on items ordered and/or account type. Collection Items $7.50 domestic <$100 $15 domestic >$100 $35 international e-statements $0 Official Checks $8 each Research (one hour minimum) $25 hour Return Item Fee $35 per item per presentment Statement Copy $10 each Stop Payment Fee $35 each Wire Transfers $12.50 incoming $20 outgoing $50 foreign *To qualify as a student, proof of current student status must be presented at the time an account is opened. Student must be less than 25 years old and student status will be automatically adjusted to nonstudent status up on the accountholder s 25th birth date or five years from the account open date, whichever comes first. Small Business owners with an open status IBERIABANK business type checking account, qualify for two personal checking accounts with no monthly service charge. The Small Business owner must be primary on the personal account. This document is for marketing and reference purposes only and does not serve as official account disclosures or account agreements.

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