Client Information Guide. Important Information About Your Teche Federal Bank Accounts Converting to IBERIABANK

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1 Client Information Guide Important Information About Your Teche Federal Bank Accounts Converting to IBERIABANK

2 About Us Founded in 1887 and headquartered in Louisiana, IBERIABANK offers the strength, security and stability you deserve from a bank now and far into the future. In today s economic environment, it is increasingly important to partner with a financial institution that has a history of consistently strong financial performance; a dedication to providing extraordinary client service; and a wealth of products, services and convenient locations. Our approach to banking is relationship-driven and focuses on local decisions made by those who are closest to our clients and understand their financial services needs. As a client of IBERIABANK, you will discover that we are a bank committed to delivering a superior level of service at every point of contact. We are dedicated to truly understanding your financial needs and helping you meet your short-term and long-term goals. This commitment is reflected in our comprehensive financial product line, which includes Retail Banking, Business Banking, Commercial Banking, Private Banking, Mortgage, Treasury Management, Online Banking and Investment Services. IBERIABANK Corporation, the parent of IBERIABANK, is a financial holding company with 277 combined offices, including 182 bank branch offices and four loan production offices in Louisiana, Arkansas, Tennessee, Alabama, Texas and Florida; 22 title insurance offices in Arkansas and Louisiana; and mortgage representatives in 60 locations in 11 states. The Company also has eight locations in four states with representatives of IBERIA Wealth Advisors, IBERIA Financial Service representatives in four states and one office of IBERIA Capital Partners, LLC, in New Orleans. With $13.6 billion in assets as of March 31, 2014, IBERIABANK Corporation is the largest bank holding company headquartered in Louisiana, employing more than 2,600 experienced associates. IBERIABANK Mortgage, Lenders Title Company and IBERIA Capital Partners also are subsidiaries of IBERIABANK Corporation. The common stock of IBERIABANK Corporation is traded on the NASDAQ Stock Exchange under the symbol IBKC. Investor information, financial reports and press releases are available on our website at

3 is becoming IBERIABANK is devoted to providing exceptional customer service and a strong, deep line of deposit and loan products. Once you are a client, you will have access to additional services, new products, and more ATMs and banking locations. On June 27, 2014, the Teche Federal Bank computer system will be fully converted to the IBERIABANK operating system. We are committed to making this transition as seamless as possible, and you should experience virtually no interruption in service. This booklet includes changes to products and services related to your Teche accounts. Please review the information enclosed carefully. You also will find a list of our Louisiana branch locations, along with a map of our franchise. Please contact us if you have any questions. We also invite you to drop by any of our IBERIABANK branches or contact a Customer Service Representative at (800) We value your business and look forward to serving you. And don t forget Additional information is available at Table of Contents Contact Information 2 Introduction 3 General Information 4-5 Online Banking and Bill Pay 6 Mobile Services 7 Debit Cards 8 ATMs 9 Statements, Images, Direct Deposit and Safe Deposit Boxes 10 e-statements 11 Personal Checking Accounts Personal Savings Accounts Business Checking Accounts Business Savings Accounts Personal Checking Account Chart Business Checking Account Chart 22 Savings Account Chart 23 CDs and IRAs 24 Bounce Protection Overdraft Privilege 25 Investment Services 26 Loan Account Information 27 Comprehensive Services 28 Locations Guide/Franchise Map 29

4 Contact Us 2 IBERIABANK IBERIABANK Mortgage IBERIA Capital Partners Lenders Title United Title of Louisiana, Inc. Credit Cards creditcards.iberiabank.com If you have additional questions regarding information in this booklet, please contact a Customer Service Representative at (800) Monday through Friday from 7 a.m. to 7 p.m. CT and Saturday from 9 a.m. to 1 p.m. CT, or us at customerservice@iberiabank.com. 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 IBERIABANK offers a comprehensive line of services to meet your financial needs. Checking Savings Money Markets Certificates of Deposit Individual Retirement Accounts Personal Loans (Home Equity, Home Improvement, Auto and more) Mortgage Loans Private Banking Business Banking Commercial Banking Treasury Management Services Wealth Management Services IBERIA Financial Services ATMs Debit Cards (Business and Personal) Credit Cards Online Banking and Bill Pay Mobile and Text Banking 24-Hour Telephone Banking Service

5 Introduction Important Information Concerning Your Accounts As a former Teche Federal Bank client, your accounts will automatically be transferred to IBERIABANK when the computer and operational conversion takes place on June 27, No action is required on your part. While you may experience some changes to your accounts, you should not experience a disruption in service. We are committed to making the transition as seamless to you as possible. We have enclosed detailed information about these changes. If you need additional information or personal assistance, please contact a Customer Service Representative at (800) or visit your nearest branch. Important Information Regarding FDIC Deposit Insurance Coverage Limits If you are a client of both IBERIABANK and Teche Federal Bank and your total deposits exceed FDIC insurance limits, please read the important information below. Deposits from Teche Federal Bank are separately insured from deposits at IBERIABANK for six months after the anticipated merger date (pending shareholder approval), or November 30, This grace period will give you the opportunity to restructure your accounts if necessary. Certificates of deposit (CDs) from Teche Federal 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. For more information on FDIC insurance coverage, go to 3

6 General Information Can I access IBERIABANK s ATMs? Yes. You can use any IBERIABANK ATM today with no ATM transaction charges. Can I bank at other IBERIABANK locations? Beginning Monday, June 30, 2014, you can conduct your banking transactions at any IBERIABANK branch. Please refer to the locations guide on page 29 for more details. Can I continue to use my Teche Federal Bank checks and deposit tickets? Yes. You may continue to use your current Teche Federal Bank checks and deposit tickets. When you re-order, you will receive new IBERIABANK checks and deposit slips with the IBERIABANK name and routing number. Can I continue to use my Teche Federal Bank debit card? Yes. You can continue to use your Teche Federal Bank debit card until you are issued an IBERIABANK debit card. Will my deposit account number 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 June 30, 2014, unless you are notified by mail. 4

7 General Information Important dates to remember about this system conversion June 27, 2014 June 30, 2014 August 31, 2014 October 31, 2014 Your final Teche statement reflecting all activity, including interest, through June 27, 2014, will be printed, and you should expect to receive it by mail after June 30, New Online Banking and Bill Pay service will begin. 24-Hour Telephone Banking Service will become accessible. You should have received your new IBERIABANK Visa debit card. Teche Federal Bank Visa debit cards no longer will be valid. 5

8 Online Banking and Bill Pay Online Banking and Bill Pay Information We will convert Teche Federal Bank Online Banking and Bill Pay services at the close of business on Friday, June 27, Account access through IBERIABANK Online Banking and Bill Pay will be fully available beginning Monday, June 30, Teche Federal Bank clients will need to print or download their Teche Federal Bank Online Banking transaction histories, check images and bill payee information prior to close of business on June 27, You can then verify this information through IBERIABANK Online Banking beginning June 30, In the coming weeks, you will receive detailed Online Banking and Bill Pay information by mail for accessing your accounts. In the meantime, you can also visit Teche for more information about your new Online Banking and Bill Pay service. Beginning June 30, 2014, you can enroll in Online Banking and you ll Bank on go! FREE Mobile Banking* Access your account information, pay bills, deposit checks and transfer funds securely and conveniently with apps for iphone and Android devices. FREE Text Banking* Ideal for mobile phone users without Internet access. Quickly and easily receive up-to-date account information on your phone via text messages. 6 *Mobile Banking and Text Banking services require enrollment in IBERIABANK Online Banking. Mobile carrier text messaging and web access charges may apply.

9 Mobile Services get all these complimentary services and more... FREE Mobile Deposit Capture* Snap and deposit it s that easy with Mobile Deposit Capture. Deposit checks within moments from your smartphone using our Mobile Banking* App for iphone and Android. Save time by reducing the number of trips to the bank. It s secure, easy to use and convenient. And, it s free, which is good news for Teche Federal Bank clients. Snap and Deposit FREE Apple ipad App Download our new Apple ipad App to check personal account balances, view recent transactions, pay bills, transfer funds, find ATMs and branch locations, and much more. Plus...Free Direct Connect to Quicken or QuickBooks Manage your personal and business finances efficiently. Synchronize your account in Quicken (One Step Update) and QuickBooks rapidly and securely. Make the categorization and reconciliation of your account easy with complete transaction and balance information. Prevent the download of duplicate transactions with a special transaction-matching algorithm. *Mobile Deposit limitations: Clients enrolled in Online Banking for more than six months are limited to total deposits of $2,500 per day (up to 10 items) and $5,000 per month (up to 30 items). If enrolled less than six months, $1,000 per day (up to 10 items) and $3,000 per month (up to 20 items). 7

10 Debit Cards and Credit Cards Debit Card Information You can continue to use your Teche Federal Bank Visa debit card until you receive your new IBERIABANK Visa debit card, which you should expect between July 15, 2014 and August 20, Once you activate, your Teche Federal Bank debit card will be canceled automatically. On October 31, 2014, all Teche Federal Bank debit cards will no longer be valid. Please contact Customer Service at (800) if you do not receive your new IBERIABANK debit card by August 31, Credit Card Information You can continue to use your Teche Federal Bank credit card. You will be notified by mail in the coming weeks with more information regarding your Teche Federal Bank credit card. 8

11 ATMs Automated Teller Machine (ATM) As an IBERIABANK client, you will enjoy greater access to your account with our expanded ATM network. For a complete list of IBERIABANK branches and ATMs, refer to the locations guide on page 29. IBERIABANK is proud to be a member of the Presto! network that allows clients to use ATMs in Publix Supermarkets surcharge-free. For a complete list of surcharge-free ATMs, please visit our website at All IBERIABANK ATMs feature touch-screen technology that allows you to customize your preferences and deposit multiple checks instantly without deposit slips or envelopes. We make banking easy... so that you have mo re time for the things in life that matt er most. 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 plus a potential surcharge levied by the ATM owner. Please see the enclosed Client Agreements and Disclosures booklet for additional details on fees. 9

12 Statements, Images, Direct Deposit and Safe Deposit Boxes Bank Statement Information You will receive an interim deposit account statement reflecting account activity from your last statement through June 27, Thereafter, you will receive your IBERIABANK checking or money market statement at approximately the same time you previously received your Teche statement. Savings account statements will be delivered quarterly. If electronic activity on your savings account occurs during the month, then you will receive a monthly statement for that month. Check and Deposit Slip Images Check and deposit slip images may be viewed through Online Banking starting June 30, Images returned on deposit statements will reflect 12 images to a page. Personal Accounts: Check images are returned on all personal checking accounts except Work, which offers check images through Online Banking only. Business Accounts: Check images and deposit slip images are returned on business accounts. Automatic Drafts and Direct Deposits IBERIABANK will continue to accept your direct deposits, automatic drafts, and other pre-authorized deposits and withdrawals. No action on your part is necessary. Safe Deposit Boxes 10 As an IBERIABANK client, you will enjoy lower rental fees on safe deposit boxes. Teche safe deposit box holders will not be charged the monthly rental fee in July Instead, safe deposit boxes will change to convenient annual billing after June 27, 2014, with the new annual fee due in August 2014 and every August thereafter. You will receive a notice in July indicating the new rental amount and due date. Additionally, if you have set up auto debit for the safe deposit box fee, you will receive a 10% discount on that fee.

13 e-statements goodbye paper, hello green... e-statements Goodbye paper, hello green! Replace your traditional paper statements with our convenient and secure e-statements. e-statements and e-notices not only cut back on paper waste, but they also save you time and prevent storage hassles. Enroll in e-statements through Online Banking starting June 30,

14 Personal Checking Accounts On June 27, 2014, your personal accounts will be converted to IBERIABANK accounts. We carefully evaluated and compared products to the features and benefits that best matched your current accounts. The following pages of this Client Information Guide provide a brief summary of the features and benefits of your new accounts and information on our services. For additional information about balance requirements, interest and fees, 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) If your Teche Federal Bank account is Prime Checking Fifty Plus Checking Totally Free Checking Low Minimum Checking Unlimited Checking Economy Checking VIP Checking Teche Club Wall Street Checking Teche at Work Bank On Baton Rouge Employee Checking Your IBERIABANK account will be High Interest Checking Classic Checking Freedom Checking Freedom Checking Freedom Checking Freedom Checking Freedom Checking Balance Checking Balance Checking Work IBERIABANK On Checking Associate Checking 12 Please see pages 20 and 21 for a personal checking account comparison chart.

15 Personal Checking Accounts High Interest Checking: This premium checking account offers preferred rates when you maintain higher balances. Plus, it is loaded with extra features. Classic Checking: This banking relationship account is tailored to clients age 55 and better, and it uses balances in all personal deposit accounts to waive the monthly service charge. Freedom Checking: Enjoy the freedom that comes with free Online Banking and Bill Pay, Mobile Banking and e-statements, plus a variety of ways to easily avoid a monthly service charge. Balance Checking: Make the most of your banking relationship by leveraging all of your IBERIABANK personal deposit account balances to avoid a monthly service charge. Work: Receive special banking services simply because your employer banks with us, and take advantage of additional complimentary services available with this account. IBERIABANK On Checking: This checking account is designed for clients who need a second chance at establishing their banking relationships. The Bank On program is a nationwide effort designed to help non-banked and under-banked clients develop a relationship with a financial institution. 13

16 Personal Money Market and Savings Accounts On June 27, 2014, your personal accounts will be converted to IBERIABANK accounts. 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 Information Guide provide a summary of the features and benefits of your new accounts and information on our services. For additional information about balance requirements, interest and fees, 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) If your Teche Federal Bank account is Super Savings Personal Diamond Savings Personal Premiere Savings Personal Christmas Club IRA Statement Savings IRA Diamond Savings IRA Premiere Savings Select MMA Individual Your IBERIABANK account will be Statement Savings Statement Savings Statement Savings Holiday Savings IRA Savings IRA Savings IRA Savings Select Money Market Please see page 23 for a savings and money market account comparison chart. 14

17 Personal Savings and Money Market Accounts Statement Savings: A great starter account simple and easy that earns interest on your entire balance. Holiday Savings: An easy, hassle-free account that allows you to save for holiday expenses and earn interest at the same time. IRA Savings: An account that offers security for retirement with tax benefits, too. It helps you do more than just save for a rainy day. Select Money Market: A convenient and effective way to grow your money, manage it and maximize your savings so you can meet your financial goals. High Interest Money Market: An exceptional money market account available exclusively to High Interest Checking clients. Health Savings Account: Only for individuals with a high-deductible health plan. 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. 15

18 Business Checking Accounts On June 27, 2014, your Teche business accounts will be converted to IBERIABANK accounts. We recognize the importance of having the right account for your business, so we carefully select business accounts with the features and benefits that best matched your Teche Federal Bank accounts. The following pages of this Client Information Guide provide an overview of our business account offerings. For additional information about balance requirements, interest and fees, 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) If your Teche Federal Bank account is Total Free Business Business NOW Corporate Checking with Interest Wall Street Checking Non-profit/DBA Prime Checking Non-Personal Wall Street Public Funds Prime Checking Public Funds Commercial Analysis IOLTA (Interest on Lawyers Trust Account) Your IBERIABANK account will be Free Business Checking Free Business Checking Business Interest Checking Business Interest Checking Business Interest Checking Business Interest Checking Public Funds Business Interest Checking Public Funds Analysis Checking IOLTA (Interest on Lawyers Trust Account) Please see page 22 for a business checking account comparison chart. 16

19 Business Checking Accounts Free Business Checking: A flexible checking account designed to meet the unique needs of businesses with limited monthly transaction volume. Free Business Checking is just that free, with no minimum balance requirement or monthly service charge. Plus, 500 transaction items are included at no charge every statement cycle. Business Interest Checking Accounts: A popular account that offers competitive interest rates on your balances because small-business owners know that every dollar counts. Business Checking Plus: A flexible, functional checking account designed to meet the unique needs of small businesses, with no minimum balance requirement and no monthly service charge. Plus, 500 transaction items are included every statement cycle at no charge. With this account, additional transactions are allowed as needed. Choice Business Checking: High-end features for a small-business budget. Upgrade to remote deposit capture or merchant processing services and increase efficiencies for your company. Choice Business Checking allows you to capitalize on every opportunity and select services that best fit your needs. Advanced Business Checking: An account that cuts transaction costs by offering a flat per-item fee and an earnings credit that may reduce monthly service charges ideal for businesses with large transaction volumes. IOLTA (Interest on Lawyers Trust Account): A way to earn interest that can be used to fund legal aid, legal education for the public and other activities that improve the quality of justice. Other Business Accounts: If your business account information is not listed, please contact your helpful Relationship Banker for information. 17

20 Business Savings and Money Market Account On June 27, 2014, business accounts will be converted to IBERIABANK. We recognize the importance of having the right account for your business, so we carefully select business accounts with the features and benefits that best matched your current account. The following pages of this Client Information Guide provide an overview of our business account offerings. For additional information about balance requirements, interest and fees, 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) If your Teche Federal Bank account is Select MMA Non Personal Select MMA Public Funds Super Savings Non Personal Super Savings Public Funds Diamond Savings Non Personal Premiere Savings Non Personal Your IBERIABANK account will be Select Money Market Commercial Select Money Market Public Funds Statement Savings Business Statement Savings Business Statement Savings Business Statement Savings Business Please see page 23 for a savings and money market account comparison chart. 18

21 Business Savings and Money Market Accounts Select Money Market Accounts: An interest-bearing money market account that can help you build your company s bottom line. Maintain a level of liquidity with convenient access to your funds. Statement Savings Business: Simplicity that allows you to get back to running your business. Health Savings Account: A place for your employees to save for future medical expenses, tax-free. Account funds 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. If your business account information is not listed, please contact your Relationship Banker. 19

22 Personal Checking Account Information Minimum deposit to open account Easy ways to waive the monthly service charge Monthly service charge Check writing Earns interest Minimum balance to earn interest Visa debit card Check orders High Interest Checking Earn preferred interest rates and receive premier features in one great checking account $100 Maintain an average monthly checking balance of $5,000 or more Or, maintain a combined monthly average balance of $25,000 or more in your personal checking, savings or money market accounts Or, maintain a combined monthly average balance of $50,000 or more in all of your personal deposit or loan accounts Or, you are a small business owner and have an IBERIABANK business checking account $20 Unlimited Yes $5,000 No annual fee No charge for select check styles Classic Checking A banking relationship for clients 55 and over $100 Maintain a daily minimum monthly checking balance of $100 or more Or, maintain a combined monthly average balance of $5,000 or more in your personal checking, savings or money market accounts Or, you are a small business owner and have an IBERIABANK business checking account $8 Unlimited No N/A No annual fee Discount on select check styles Complimentary services Additional features 20 Official/Cashier Checks ~ limit 5 per statement cycle Stop Payments ~ limit 5 per statement cycle Online Banking and Bill Pay Bank to Bank Transfers Mobile and Text Banking Online check images alerts e-statements and e-notices Combined statements Telephone Banking Safe Deposit Box, no charge for the first year; 50% discount for each year thereafter with auto draft IBERIABANK foreign ATM usage fee is waived Receive up to $15 in foreign ATM surcharge credits per statement cycle when a non-iberiabank ATM is used Online Banking and Bill Pay Bank to Bank Transfers Mobile and Text Banking Online check images alerts e-statements and e-notices Combined statements Telephone Banking Safe Deposit Box, 10% discount with auto draft IBERIABANK foreign ATM usage fee is waived (up to two per statement cycle) Primary account holder age 55 or older 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.

23 Personal Checking Account Information Minimum deposit to open account Easy ways to waive the monthly service charge Freedom Checking Enjoy A convenient checking account with free online services and easy ways to waive the monthly service charge $50 Maintain a monthly minimum balance of $500 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 Balance Checking Make the most of your banking relationship by leveraging all of your IBERIABANK personal deposit account balances to avoid a monthly service charge $100 Maintain a daily minimum checking balance of $800 or more Or, maintain a collected monthly balance of $2,500 or more in your personal checking, savings, money market or CD accounts Monthly service charge Check writing Earns interest Minimum balance to earn interest Visa debit card Check orders Complimentary services $8 e-statements $10 paper statements Unlimited No N/A No annual fee Charge depends on check style Online Banking and Bill Pay Bank to Bank Transfers Mobile and Text Banking Online check images alerts e-statements and e-notices Combined statements Telephone Banking $8 Unlimited Yes $1,500 No annual fee Charge depends on check style Online Banking and Bill Pay Bank to Bank Transfers Mobile and Text Banking Online check images alerts e-statements and e-notices Combined statements Telephone Banking 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 Business Checking Account Information Minimum deposit to open account Free Business Checking Ideal for small business owners with limited transaction volume $100 Business Checking Plus Perfect for small businesses that occasionally exceed the Free Business Checking transaction volumes $100 Choice Business Checking Perfect for growing businesses that want Remote Deposit Capture for Merchant Processing $100 Advanced Business Checking Great for businesses with large transaction volumes $100 Business Interest Checking Clients seeking competitive interest rates paid on their balances $100 Monthly service charge None None $25 $12 $10 Easy ways to waive the monthly service charge Items allowed Additional per-item fee Currency deposited allowed No monthly service charge 500 No fee. However, accounts will be converted to Business Checking Plus if client exceeds 500 items over 2 statement cycles $10,000 per statement cycle. However, accounts will be converted to Business Checking Plus if client exceeds $10,000 deposited over 2 statement cycles No monthly service charge 500 $0.50 per item $10,000 per statement cycle Maintain a $25,000 minimum daily balance OR maintain a minimum of $50,000 combined balances with IBERIABANK 500 $0.50 per item $10,000 per statement cycle Earnings Credit Rate may offset monthly service charge $0.17 per item N/A $10,000 per statement cycle Maintain a $10,000 daily minimum balance 300 $0.50 per item $10,000 per statement cycle Additional currency deposited fee N/A $1.75 per additional $1,000 $1.75 per additional $1,000 $1.00 per additional $1,000 $1.75 per additional $1,000 Earnings credit N/A N/A N/A Yes N/A Earns interest N/A 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 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 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 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 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 no annual fee Online Banking and Bill Pay Mobile Banking and Text Banking e-statements and e-notices 22 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.

25 Personal and Business Savings and Money Market Account Information Minimum opening deposit Monthly service charge Easy ways to waive the monthly service charge Interest frequency High Interest Money Market Select Money Market Statement Savings Holiday Savings Health Savings Account An exceptional money market account available exclusively to High Interest Checking clients $100 $15 Maintain a daily minimum balance of $5,000 Paid monthly A money market account with easy access when you need it most $100 $15 Maintain a daily minimum balance of $2,500 Paid monthly A simple starter savings account $50 $3 Maintain a daily minimum balance of $200. Or, if account owner is a minor under the age 18, the monthly service charge is waived Paid monthly An easy, hassle-free way to save for holiday expenses while earning interest $10 No monthly service charge No minimum balance requirement Paid quarterly Set aside funds on a pre-tax or tax-deductible basis to pay for routine healthcare expenses $50 $2.50 Maintain a daily minimum balance of $1,000 Paid monthly Minimum balance to earn interest $0.01 $2,500 $0.01 $0.01 $0.01 Transaction limitations Deposit limitations Complimentary services Unlimited withdrawals if made through ATM, in person, by mail or by messenger Unlimited Online Banking Mobile and Text Banking e-statements and e-notices Telephone Banking Unlimited withdrawals if made through ATM, in person, by mail or by messenger Personal accounts: unlimited deposits Business accounts: up to 30 deposited items no charge; thereafter $0.10 each Online Banking Mobile and Text Banking e-statements and e-notices Telephone Banking Four withdrawals permitted per calendar month, $3 per additional withdrawal Unlimited Online Banking Mobile and Text Banking e-statements and e-notices Telephone Banking No withdrawals permitted Deposits are automatically transferred from your checking account $10 minimum deposit required Contribute on a weekly, biweekly or monthly deposit schedule Online Banking Telephone Banking Withdrawals are limited by the Internal Revenue Service (IRS) to qualified medical purchases Deposits are limited by the IRS and Health Savings Account rules Online Banking Mobile and Text Banking e-statements and e-notices Telephone Banking Additional information Must have High Interest Checking account Not available for business accounts Automatically transfer funds from your checking account to an IBERIABANK savings account and watch your money grow Must maintain an IBERIABANK checking account to be eligible Accumulated funds plus interest earned are automatically deposited to your IBERIABANK checking account at the end of October each year Debit card available with no annual fee Set-up fee applicable This account is available to individuals covered by a highdeductible health plan For more detailed information on an HSA, please check with a tax advisor 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. 23

26 Certificates of Deposit and Individual Retirement Accounts On June 27, 2014, your certificate of deposit (CD) and Individual Retirement Account (IRA) will become IBERIABANK accounts. The interest rate and annual percentage yield (APY) on fixed-rate CDs or IRAs will remain the same when converted to an IBERIABANK account. Renewal notices will be mailed 21 days prior to maturity; your account will automatically renew unless you contact us. IRA statements are mailed annually. While CD statements are not available, CD information can be included in a combined statement with a checking, savings or money market account upon request. At maturity, your CD or IRA will renew with the same terms, though the interest rate and early withdrawal penalty may change. The grace period for a renewable CD or IRA is 10 days. Additional deposits to a fixed-rate CD or IRA are permitted only during the 10-day grace period. Early withdrawal penalties, if applicable to your CD or IRA, will change at conversion for existing CDs and IRAs. 24 If your Teche Federal Your IBERIABANK CD Early Early Withdrawal Penalty was Withdrawal Penalty will be 90 days interest 90 days interest 180 days interest 180 days interest 365 days interest 365 days interest $ % of principal 90 days interest $25 + 1% of principal 1% of principal $25 + 2% of principal 2% of principal $25 + 3% of principal 2% of principal $25 + 4% of principal 2% of principal $25 + 5% of principal 2% of principal

27 Bounce Protection Overdraft Privilege* Overdraft Service and Fees Overdraft (Paid) Item Fee and Return Item Fee Overdraft Protection Deposit to Deposit Transfer Overdraft Protection: Line of Credit Transfe ATM and Normal, Everyday Debit Card Transaction Option 1 You Opt In Option 2: You do NOT Opt In Additional Information About IBERIABANK s Overdraft Coverage $35 per item per presentment (maximum of 6 per day) Note: 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. $10 daily transfer fee Note: 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 Note: 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. 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. Note: 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. You do NOT Opt In for coverage of ATM and normal, everyday debit card transaction coverage. Note: If you do not Opt In, IBERIABANK will decline these transactions. No overdraft fee will be charged for these declined transactions 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. 25

28 Investment Services Need help with the complexities of money management? Turn to IBERIA Financial Services, LLC and see this new service available to you. There are thousands of investment options offering different combinations of risk and return. That is why our IBERIA Financial Services Investment Representatives assess your individual situation and help you make informed decisions. We favor quality and have a conservative bias. Our Investment Representatives are located in IBERIABANK branches, providing convenience and access, too. For a confidential financial review, call , or ask a banking professional at your nearest IBERIABANK branch to arrange an appointment. Products offered by IBERIA Financial Services Mutual funds Annuities Stocks Bonds IRAs Equity-linked CDs For a variety of purposes Retirement planning Wealth management Insurance: life, disability and long-term care College savings Retirement plans for businesses Investment advisory 26 Please consult with your tax advisor. Income may be subject to the alternative minimum tax. Securities and advisory services are offered through Essex National Securities, LLC, member FINRA/SIPC, an independent broker/dealer and Registered Investment Advisor. Insurance products are offered through Essex National Insurance Agency, Inc.. Neither is affiliated with IBERIABANK. Investments are: Not guaranteed by IBERIABANK Not FDIC Insured Not a Bank Deposit Not Insured by Any Federal Government Agency May Lose Value Including Loss of Principal

29 Loan Account Information Consumer Lines of Credit: If you have a consumer line of credit, your monthly due date will become cycled and continue to be due on the same date each month or within several days of that date, depending on the cycle. You can still access your line of credit using your existing line of credit checks. Approximately two to three weeks after conversion, you will receive a complimentary supply of business-size checks for your line of credit. When you receive them, please destroy your existing supply of Teche Federal Bank-branded line of credit checks. 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 also may enroll in automatic loan payments and have your payments debited from your IBERIABANK checking account on a routine basis. If interested, please contact your Relationship Banker or call Customer Service at (800) For additional information about the variety of loan options that IBERIABANK offers such as auto loans, home equity lines of credit, home equity loans and home improvement loans visit your nearest branch. 27

30 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 (Home Equity, Home Improvement, Auto and more) Mortgage Loans Private Banking Business Banking Commercial Banking Treasury Management Services Wealth Management Services IBERIA Financial Services Merchant Services ATMs Debit Cards (Business and Personal) Credit Cards Online Banking and Bill Pay Mobile and Text Banking 24-Hour Telephone Banking Service 28

31 Louisiana Branch Locations Guide ** Denotes drive-thru only Acadiana Abbeville 2635 Veterans Memorial Drive (337) Broussard 1100 East Main Street (337) Carencro 805 Veterans Drive (337) Lafayette 4010 West Congress Street (337) West Congress Street (337) Heymann Boulevard (337) Johnston Street (337) West Pinhook Road (337) Settlers Trace Boulevard (337) New Iberia 1101 East Admiral Doyle Drive (337) North Lewis Street (337) Baton Rouge 3700 Essen Lane (225) Coursey Boulevard (225) Perkins Road (225) Highland Road (225) Crowley 576 North Parkerson Avenue (337) Jeanerette 1427 West Main Street (337) Kaplan 200 East Veterans Memorial Drive (337) Johnston Street (337) Johnston Street (337) Johnston Street (337) Moss Street (337) East Saint Peter Street (337) Rayne 1012 The Boulevard (337) Scott 200 Westgate Road (337) Perkins Road (225) Airline Highway (225) South Sherwood Forest Boulevard (225) Bayou Vista 1003 Southeast Boulevard (985)

32 Louisiana Branch Locations Guide ** Denotes drive-thru only 30 Breaux Bridge 1410 Rees Street (337) Denham Springs 822 South Range Avenue (225) Franklin 211 Willow Street (337) Main Street** (337) New Orleans Area Covington Highway 21 (985) Gretna 201 Huey P. Long Avenue (504) Harahan 5120 Citrus Boulevard (504) Harvey 1720 Manhattan Boulevard (504) Houma 912 Grand Calliou Road (985) Barrow Street (985) Kenner 285 West Esplanade Avenue (504) Veterans Memorial Boulevard (504) Mandeville 850 North Causeway Boulevard (985) LaSalle Street** (985) Marrero 1820 Barataria Boulevard (504) Metairie 3801 Veterans Memorial Boulevard (504) Metairie Road (504) Ridgelake Drive (504) A North Clearview Parkway (504) West Esplanade Avenue** (504) North Causeway Boulevard** (504) New Orleans 301 Chartres Street (504) South Carrollton Avenue (504) Saint Charles Avenue (504) Poydras Street, Suite 100 (504) Prytania Street (504) South Claiborne Avenue (504) South Carrollton, Unit K (504) River Ridge 9300 Jefferson Highway (504)

33 Louisiana Branch Locations Guide ** Denotes drive-thru only Slidell 2060 Gause Boulevard East (985) Northshore Boulevard, Suite A (985) Morgan City 1001 Seventh Street (985) Northeast Louisiana Bastrop 1927 East Madison Avenue (318) Monroe 4094 Highway 165 North (318) DeSiard Street (318) Oliver Road (318) Ruston 1327 North Trenton Street (318) North Vienna Street (318) West Monroe 5122 Cypress Street (318) McMillan Road (318) Opelousas 428 East Landry Street (337) Shreveport 320 Texas Street (318) Fern Loop (318) Southwest Louisiana DeQuincy 506 East 4th Street (337) Kinder 916 5th Avenue (337) Lake Charles 3001 Highway 14 (337) Nelson Road (337) West McNeese Street (337) Ryan Street (337) Sam Houston Jones Parkway (337) Gulf Highway (337) Oberlin 8838 Highway 165 (337) Sulphur 4494 Highway 27 South (337) Maplewood Drive** (337) Ruth Street (337) Vinton 1000 Center Street (337) Westlake 2215 Sampson Street (337) Thibodaux 921 Canal Boulevard (985)

34 Our Franchise Locations IBERIABANK Branches 182 IBERIABANK Mortgage Locations 60 Title Insurance Offices 22 IBERIA Wealth Advisors Locations 8 IBERIA Capital Partners Locations 1 IBERIABANK Loan Production Offices Total Offices 32

35 Ignore - only used for spread

36 TELEPHONE BANKING Get instant access to your accounts 24 hours a day. (800) Customer Service (800) Detach for future reference

37 TELEPHONE BANKING ACCOUNT INFORMATION MENU 1) Account information 2) Funds transfer 3) Check verification 4) Lost or stolen bank card 5) Internet banking assistance 6) Check re-order 8) Instructions on how to use the system 9) Menú español 0) Customer Service Representative

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