Client Information Guide. Important Information about Your New Traditions Bank Accounts Converting to IBERIABANK

Transcription

1 Client Information Guide Important Information about Your New Traditions Bank Accounts Converting to IBERIABANK

2 About Us Founded in Louisiana in 1887, IBERIABANK offers the strength, security and stability you deserve. We have a history of consistently strong financial performance and a reputation for providing extraordinary client service. Our relationship-based approach to banking focuses on making decisions locally, close to our clients. You ll soon discover that we are dedicated to understanding your financial needs and to helping you meet both your short-term and long-term goals. This commitment is reflected in our comprehensive line of services including Consumer Banking, Mortgages, Business Banking, Commercial Banking, Treasury Management, Private Banking, Investment Services and Wealth Management. IBERIABANK Corporation is a financial holding company with $15.8 billion in assets as of December 31, We employ nearly 3,000 experienced banking professionals and associates from over 300 offices. IBERIABANK operates more than 200 bank branch offices in Louisiana, Florida, Alabama, Tennessee, Texas and Arkansas. IBERIABANK Mortgage manages nearly 60 mortgage offices in 10 states. Our four title insurance companies operate nearly 25 offices in Arkansas and Louisiana. IBERIA Wealth Advisors has eight offices in five states, and IBERIA Capital Partners, L.L.C. has one office in New Orleans, Louisiana. IBERIABANK stock is traded on the NASDAQ Stock Exchange under the symbol IBKC. Investor information, financial reports and press releases are available on our website at 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 In October of 2014, Old Florida Bancshares, Inc., the parent company of New Traditions Bank, signed a definitive agreement to merge with IBERIABANK Corporation to take advantage of the many resources IBERIABANK has to offer including enhanced technologies, additional services and an expanded branch network. We are pleased that John O. Burden, Sr., will lead our Central Florida franchise as EVP, Market President to oversee this growing region. As a new client of IBERIABANK, you will benefit from the convenience of more branches throughout Florida and the Southeastern United States, as well as new services such as Mobile Deposit Capture and ATM Check Image Deposits. This Client Information Guide is designed to help answer any questions you may have and to provide important information about your accounts and services. We invite you to contact your local banker or call a Customer Service Representative at (800) if you have any questions. We truly appreciate your business and look forward to serving you. Additional information is available at Table of Contents Introduction & Contact Information 2 General Information 3 FDIC Coverage 5 Online Banking and Bill Pay 6 Mobile Banking Services 7 Debit and Credit Cards 8 ATMs 9 Statements, Images, Direct Deposit & Safe Deposit Boxes 10 e-statements and Telephone Banking 11 Personal Checking Accounts 12 Personal Money Market & Savings Accounts 14 Business Checking Accounts 16 Business Money Market Accounts 18 Personal Checking Account Chart 20 Business Checking Account Chart 22 Money Market & Savings Account Chart 23 CDs and IRAs 24 Overdraft Protection Information 25 Loan Account Information 26 Mortgage Services 27 Florida Branch Locations Guide 28 Investment Services 30 Wealth Management Services 31 Franchise Map 32

4 Introduction and Contact Information Important Information Concerning Your Account(s): Your New Traditions Bank account(s) will automatically be transferred to IBERIABANK over the weekend of May 15, While you may see some changes to your account(s), you should experience virtually no disruption in service. We are fully committed to making this transition as seamless 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) , visit your nearest branch or go online to Contact Us Our Customer Service Representatives are available Monday through Friday 8 AM to 8 PM ET and Saturday 10 AM to 2 PM ET by calling (800) You may reach us also by at [email protected]. We invite you to learn more about our family of service providers: IBERIABANK IBERIABANK Mortgage Credit Cards IBERIA Wealth Advisors IBERIA Capital Partners iberiabank.com iberiabankmortgage.com iberiabank.com/credit-cards-comparison-chart.html iberiawealth.com iberiacapitalpartners.com 2

5 IBERIABANK and our affiliate partners offer a comprehensive line of services to meet your financial needs. General Information 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 Merchant Services Investment Services Wealth Management Services ATMs Debit Cards Credit Cards Online Banking and Bill Pay Mobile and Text Banking 24-Hour Telephone Banking Can I bank at IBERIABANK locations? Beginning Monday, May 18, 2015, you can conduct your banking transactions at any IBERIABANK branch. Please refer to the Florida locations guide on pages for more details. Can I continue to use my New Traditions Bank checks and deposit slips? Yes. You may continue to use your current New Traditions Bank checks and deposit tickets. When you place a re-order, you will receive new IBERIABANK checks and deposit slips with the IBERIABANK name and routing number. Can I continue to use my New Traditions Bank ATM or debit card? Yes. You can continue to use your New Traditions Bank ATM or debit card through May 17. You will receive a new IBERIABANK ATM or debit card to begin using on Monday, May 18. Your New Traditions Bank ATM or debit card will no longer be valid as of May 18. 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 May 18 unless you are notified separately by mail. 3

6 General Information Important dates to know: Monday, May 4, 2015 Your new IBERIABANK ATM or Visa debit card will be mailed. Please contact Customer Service at (800) if you do not receive your new IBERIABANK ATM or debit card by May 12. Friday, May 15, 2015 Your final New Traditions Bank statement will be printed reflecting all activity through May 15. Interest will be calculated and paid through May 17. Monday, May 18, 2015 Your New Traditions Bank ATM or Mastercard debit card will no longer be valid. Please call (800) on or after May 18 to select your new PIN so that you may begin using your new card. Monday, May 18, 2015 New Online Banking and Bill Pay service will begin. 24-Hour Telephone Banking Service will become accessible. 4

7 FDIC Coverage Important Information Regarding FDIC Deposit Insurance Coverage Limits If you are a client of both IBERIABANK and New Traditions Bank, and your total deposits exceed FDIC insurance limits, please read the important information below. Deposits from New Traditions Bank are separately insured from deposits at IBERIABANK for six months after the legal merger date, or September 30, This grace period will give you the opportunity to restructure your accounts if necessary. Certificates of Deposit (CDs) from New Traditions 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 5

8 Online Banking and Bill Pay Online Banking and Bill Pay Information We will convert New Traditions Bank Online Banking and Bill Pay services at the close of business on Friday, May 15, Online account access will be disabled during this weekend. Account access through IBERIABANK Online Banking and Bill Pay will be fully available beginning Monday, May 18. New Traditions Bank clients may want to print or download their online banking transaction history and check images by 5 PM ET on May 15. As an added convenience, clients may access their New Traditions online banking history between May 18 and July 17, 2015 at 5 PM ET. Online Bill Pay payees and payments will be converted to the new system. We recommend that you print a copy of your payees prior to May 15 to verify payee and payment information beginning May 18. In the coming weeks, you will receive detailed information by mail regarding how to access your Online Banking and Bill Pay information with IBERIABANK. In the meantime, you can also visit for more information. If you are not currently using Online Banking and would like to take advantage of a variety of convenient services including Mobile Banking and Text Banking, you may enroll beginning May 18 at Free Direct Connect to Quicken or QuickBooks Manage your personal and business finances efficiently: Synchronize your account in Quicken (One Step Update) and QuickBooks quickly and securely. Complete transaction and balance information makes categorization and account reconciliation easy. A special transaction-matching algorithm prevents the download of duplicate transactions. 6 Treasury Management clients will be converted to a cash management system called TreasuryConnect. Separate information on this system will be mailed to businesses that perform cash management functions like wires and ACH.

9 Mobile Banking Services Bank on go! Beginning May 18, 2015, Online Banking users can begin to take advantage of these great mobile services. Before using Mobile Banking, users will need to first login to IBERIABANK s Online Banking system and establish a new password. Once completed, users can download our App and get started. * Snap and Deposit FREE Mobile Banking Access your account information, pay bills, deposit checks and transfer funds securely and conveniently with apps for iphone and Android devices, as well as tablets. 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. Apple Pay Coming Soon** Soon you will be able to use your IBERIABANK debit and credit cards with Apple Pay, an easy, secure and private way to pay. Use Apple Pay with iphone 6 to pay in stores without swiping your cards and within apps without entering payment and contact information. Just pay with a single touch of your finger using Touch ID. FREE Mobile Deposit Capture Snap and deposit it s that easy with Mobile Deposit Capture. Deposit checks within moments using our Mobile Banking* App for iphone, Android and tablets. It s secure, easy to use, convenient and free. * Mobile Banking and Text Banking services are for consumer and small business account holders. Enrollment in IBERIABANK Online Banking is required. Mobile carrier text messaging and web access charges may apply. Mobile Deposits are limited to $2,500 per day (up to 10 items) and $5,000 per month (up to 30 items). For account holders enrolling in Online Banking May 18, 2015 or after, Mobile Deposits will be limited to $1,000 day (up to 10 items) and $3,000 per month (up to 20 items) for a period of six months. ** Apple Pay, iphone 6 and Touch ID are trademarks of Apple, Inc. 7

10 ATM, Debit and Credit Cards ATM and Debit Card Information You can continue to use your New Traditions Bank ATM or debit card through May 17, You will receive a new IBERIABANK ATM or debit card to begin using on Monday, May 18. Your New Traditions Bank ATM or debit card will no longer be valid as of May 18. Please call (800) to activate your new card and select your PIN. Please contact Customer Service at (800) if you do not receive your new IBERIABANK ATM or debit card by May 12. Credit Card Information You may continue to use your New Traditions Bank credit card as usual. For balance information, payment details, transaction history or other questions, please contact the phone number on the back of your New Traditions Bank credit card. IBERIABANK has a full line of consumer and business credit cards with attractive features and competitive interest rates. If you wish to apply for an IBERIABANK consumer credit card, you may do so online at or by visiting an IBERIABANK branch.* * All loans and products subject to approval, including credit approval. 8

11 ATMs Automated Teller Machine (ATM) As an IBERIABANK client, you will have greater access to your account with our expanded ATM network beginning May 18, ATM machines will be installed at each branch location, and you may continue to enjoy Publix Presto! ATMs without a surcharge from IBERIABANK. For a complete list of IBERIABANK branches and ATMs in Florida, refer to the locations guide on pages Visit our website at for more locations and surcharge-free ATMs. All IBERIABANK ATMs feature touch-screen technology that allows you to customize your preferences and deposit multiple checks instantly without deposit slips or envelopes. Deposits made by 8 PM ET on a business day will be credited to your account the same day.* There are no ATM transaction fees for withdrawals at IBERIABANK ATMs or Publix Presto! ATMs. However, when making an ATM withdrawal or transfer at other non-iberiabank ATMs, there will be a service fee of $2 plus a potential surcharge levied by the ATM owner. IBERIABANK foreign ATM usage fees will be waived through September 30, Please see the enclosed Client Agreements and Disclosures booklet for additional details on fees. * Funds from deposits may not be available for immediate withdrawal. Please refer to IBERIABANK s rules governing funds availability. Business day means any day other than Saturday, Sunday, holiday or any other day on which IBERIABANK is not open for business.

12 Statements, Images, Direct Deposit & Safe Deposit Boxes Bank Statement Information You will receive an interim deposit statement reflecting account activity from your last New Traditions Bank statement through May 15, Interest will be calculated and paid through May 17. Thereafter, you will receive your IBERIABANK checking or money market statement at approximately the same time you previously received your New Traditions Bank 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. Your account will not incur a monthly service charge during the month of May. Check and Deposit Slip Images Check and deposit slip images may be viewed through Online Banking starting May 18. Personal Accounts: Check images are provided on deposit statements for all personal checking accounts except Bank@Work, which offers check images through Online Banking only. 10 Business Accounts: Check images and deposit slip images are provided on deposit statements for 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 No changes will be made to your Safe Deposit Box until your next annual renewal. Safe Deposit Box fees are shown here: Safe Deposit Box Size Annual Rental 3x5 $35 3x10 $50 5x10 $75 10x10 $100

13 e-statements and Telephone Banking e-statements If you were enrolled in e-statements with New Traditions Bank, you will continue to receive e-statements through IBERIABANK Online Banking. New Traditions Bank e-statements from on or before May 15, 2015 will be available using your current URL and login credentials until July 17. If you would like to start receiving e-statements, you may enroll through IBERIABANK Online Banking beginning May 18. Telephone Banking For access to your account information, funds transfer, check verification and more, you can access your account beginning May 18 through IBERIABANK Telephone Banking by calling (800) You will need the last four digits of your social security number or tax identification number to establish a new Telephone Banking PIN. 11

14 Personal Checking Accounts On May 18, 2015, your New Traditions Bank personal checking 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 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 product better suited for your financial situation, please visit one of our branches or call (800) If Your New Traditions Bank Account Is: Personal Checking Senior Checking Personal NOW Checking Your IBERIABANK Account Will Be: Freedom Checking Classic Checking Balance Checking Please see pages 20 and 21 for a personal checking account comparison chart. 12

15 Personal Checking Accounts Freedom Checking: Enjoy the freedom that comes with free Online Banking, Bill Pay, Mobile Banking and e-statements, plus a variety of ways to easily avoid a monthly service charge. New Traditions Bank Personal Checking accounts will convert to the Freedom Checking account. The monthly service charge on these accounts will be waived until September 30, 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. Current New Traditions Bank Senior Checking account holders automatically qualify for the Classic 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. 13

16 Personal Money Market and Savings Accounts On May 18, 2015, your New Traditions Bank personal money market or savings 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 product better suited for your financial situation, please visit one of our branches or call (800) If Your New Traditions Bank Account Is: Personal Savings Personal Money Market Tiered Personal Money Market Indexed Health Savings Account Your IBERIABANK Account Will Be: Statement Savings Choice Money Market Health Savings Account Please see page 23 for a savings and money market account comparison chart. 14

17 Personal Savings & Money Market Accounts Statement Savings: A great starter account simple and easy that earns interest on your entire balance. 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. Choice Money Market: A high yield money market account that offers premium interest rates and convenient access to your funds. New Traditions Bank Personal Money Market Tiered and Personal Money Market Indexed accounts will convert to the Choice Money Market. The monthly service charge on these accounts will be waived. 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. The monthly service charge fee will be waived for current Health Savings account holders. 15

18 Business Checking Accounts On May 18, 2015, your New Traditions Bank business checking 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 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 product better suited for your financial situation, please visit one of our branches or call (800) If Your New Traditions Bank Account Is: Business Advantage Checking Business NOW Tiered Business NOW Account Business Checking Account Repurchase Account IOTA Your IBERIABANK Account Will Be: Free Business Checking Advanced Business Checking Investment Sweep IOTA 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. 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 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 Relationship Banker for more information on your business deposit account(s). 17

20 Business Money Market Accounts On May 18, 2015, your New Traditions Bank business money market 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 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 product better suited for your financial situation, please visit one of our branches or call (800) If Your New Traditions Bank Account Is: Business Money Market Tiered Business Money Market Indexed HOA Money Market Indexed Your IBERIABANK Account Will Be: Choice Money Market Commercial Please see page 23 for a money market account comparison chart. 18

21 Business Money Market Accounts 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. Choice Money Market Commercial: A high yield business money market account that offers premium interest rates and convenient access to your funds. New Traditions Bank Business Money Market Tiered, Business Money Market Indexed and the HOA Money Market Tiered Accounts will convert to the Choice Money Market. The monthly service change on these accounts will be waived. 19

22 Personal Checking Account Information Minimum deposit to open account Easy ways to waive the monthly service charge Classic Checking A banking relationship for clients 55 and over $100 Maintain a daily minimum checking balance of $100 or more Or, maintain a combined average collected balance of $5,000 or more per statement cycle in your personal checking, savings or money market accounts Or, you are a small business owner and have an IBERIABANK business checking account Freedom Checking Enjoy A convenient checking account with free online services and easy ways to waive the monthly service charge $50 Maintain a daily minimum balance of $1,000 or more Or, combined direct deposits of $500 or more per statement cycle Or, you are a student Or, you are a small business owner and have an IBERIABANK business checking account Monthly service charge Check writing Earns interest Minimum balance to earn interest Visa debit card Check orders Complimentary services $8 Unlimited No N/A No annual fee Discount on select check styles 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 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 Additional features 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 20 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 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 Minimum deposit to open account Easy ways to waive the monthly service charge $100 Maintain a daily minimum checking balance of $1,000 or more Or, maintain a combined average collected balance of $2,500 or more per statement cycle 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 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 Free Business Checking Advanced Business Checking Ideal for small business owners with limited transaction volume Great for businesses with large transaction volume Minimum deposit to open account $100 $100 Monthly service charge None $15 Easy ways to waive the monthly service charge No monthly service charge Earnings Credit Rate may offset monthly service charge Items allowed 500 $0.20 per item Additional per-item fee No fee. However, accounts will be converted to Business Checking Plus if client exceeds 500 items over 2 statement cycles N/A Currency deposited allowed $10,000 per statement cycle However, accounts will be converted to Business Checking Plus if client exceeds $10,000 $10,000 per statement cycle deposited during any 2 statement cycles in a 12 month period Additional currency deposited fee N/A $1.00 per additional $1,000 Earnings credit N/A Yes Earns interest N/A N/A 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 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. 22

25 Savings and Money Market Account Information Select Money Market (Business and Consumer) Choice Money Market (Business and Consumer) Statement Savings (Business and Consumer) Health Savings Account (Consumer Only) A money market account with easy access when you need it most A high yield money market that offers premium interest rates and convenient access to your funds A simple starter savings account Set aside funds on a pre-tax or tax-deductible basis to pay for routine healthcare expenses Minimum deposit to open account $100 $10,000 $50 $50 Monthly service charge $15 $15 $3 $2.50 Easy ways to waive the monthly service charge Maintain a $2,500 minimum daily balance Maintain a $10,000 minimum daily balance Maintain a $200 minimum daily balance or if account owner is a minor under the age of 18 Maintain a $1,000 minimum daily balance Interest frequency Paid monthly Paid monthly Paid quarterly Paid monthly Minimum balance to earn interest $2,500 $10,000 $0.01 $0.01 Transactions limitations Unlimited withdrawals if made through ATM, in person, by mail or by messenger Unlimited withdrawals if made through ATM, in person, by mail or by messenger Four withdrawals permitted per calendar month, $3 per additional withdrawal Withdrawals are limited by the Internal Revenue Service (IRS) to qualified medical purchases Deposit limitations Personal accounts: unlimited deposits Business accounts: up to 30 deposited items no charge; thereafter $0.10 each Personal accounts: unlimited deposits Business accounts: up to 30 deposited items no charge; thereafter $0.10 each Unlimited Deposits are limited by the IRS and Health Savings Account rules Complimentary services Online Banking Mobile and Text Banking e-statements and e-notices Telephone Banking Online Banking Mobile and Text Banking e-statements and e-notices Telephone Banking Online Banking Mobile and Text Banking e-statements and e-notices Telephone Banking Online Banking Mobile and Text Banking e-statements and e-notices Telephone Banking Additional Information Automatically transfer funds from your checking account to an IBERIABANK savings account and watch your money grow 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. Debit card available with no annual fee Set-up 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 23

26 Certificates of Deposit and Individual Retirement Accounts On May 18, 2015, your New Traditions Bank certificates of deposit (CD) and Individual Retirement Accounts (IRA) will be converted to IBERIABANK. 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, may change at conversion for existing CDs and IRAs. If Your New Traditions Bank CD Early Withdrawal Penalty Was: Penalty Free Your IBERIABANK CD Early Withdrawal Penalty Will Be: Penalty Free 30 days interest 30 days interest 90 days interest 90 days interest 24

27 Overdraft Protection Information Overdraft Service and Fees Overdraft (Paid) Item Fee and Return Item Fee Overdraft Protection: Deposit to Deposit Transfer Overdraft Protection: Line of Credit Transfer 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 non real estate secured lines of credit; $50 annual fee for home equity secured lines of credit (HELOC) 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. Credit application and approval is required. 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. See the enclosed Client Agreements and Disclosures book for Opt In instructions. 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. n 25

28 Loan Account Information General Loan Information Your loan account number and payment date will remain the same unless we notify you otherwise. Please continue to make payments as you currently do. Beginning May 18, you may make loan payments in person at a branch, by mail using the following address or online at the website address below. By Mail: Online: IBERIABANK P.O. Box New Iberia, LA A processing fee applies. If you would like to have automatic loan payments debited from your IBERIABANK checking account on a routine basis, please contact your Relationship Banker or call Customer Service at (800) beginning May 18. You may continue to access your consumer line of credit using the method(s) described in your New Traditions Bank line of credit agreement. If you currently use checks to access your line of credit, you will receive a complimentary supply of business-size IBERIABANK checks for your consumer line of credit within two to three weeks after conversion. When you receive these checks, please destroy your existing supply of New Traditions Bank line of credit checks. For additional information about the variety of consumer and business loan options that IBERIABANK has to offer, please visit your nearest branch. 26

29 MORTGAGE Mortgage Services We Make Home Financing Easy If you are in the market to purchase a new home or refinance your existing house or condo, IBERIABANK Mortgage Company can assist. Our consistently competitive rates and experienced team of lending professionals help us qualify more borrowers, close more loans and turn home ownership dreams into a reality. Because we re local, we can expedite the loan approval process to save you time and money. With on-site underwriting and in-house funding, there are never third party technicalities or problems to delay your home purchase. IBERIABANK Mortgage offers a wide range of financing options: Conventional 30-year and 15-year Loans Government Loans - FHA, VA Guaranteed Rural Development First-time Homebuyer Down Payment Assist Programs Jumbo Loans Reverse Mortgage Financing subject to credit approval. Some restrictions may apply. Other programs available. Program conditions subject to change without notice. 27

30 Florida Branch Locations Guide Altamonte Springs 520 West SR 436, Suite 1102 (407) Cape Coral 1715 Cape Coral Parkway West (239) Fort Myers 4670 Summerlin Road (239) Jupiter 1315 West Indiantown Road (561) Apopka 1420 West Orange Blossom Trail (407) Boca Raton 1180 North Federal Highway (561) Boynton Beach 1101 North Congress Avenue (561) Bradenton 5310 East SR 64 (941) Manatee Avenue West (941) th Street West (941) *Denotes location without an ATM **New location opening May 18, Del Prado Boulevard South (239) Heydon Lane (239) Crystal River 1101 Northeast 5th Street (352) Delray Beach 900 Southeast 6th Avenue (561) Estero Via Villagio (239) Fort Lauderdale 1201 South Andrews Avenue (954) E Las Olas Boulevard,* Suite 2000 (954) Orion Drive (239) College Pointe Court (239) First Street (239) Winkler Road (239) Dani Drive (239) Inverness 1777 West Main Street (352) Jacksonville 135 West Bay Street (904) San Juan Avenue (904) Key West 1000 Kennedy Drive (305) Duval Street (305) Lake Mary 7090 CR 46A (407) Longwood 502 North Highway (407) Wekiva Springs Road, Suite 700 (407) Maitland 100 East Packwood Avenue** (407)

31 Florida Branch Locations Guide Marathon Overseas Highway (305) Overseas Highway (305) 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) Golden Gate Parkway (239) Oldsmar 3100 Tampa Road (727) Orlando 1901 Edgewater Drive (407) Wilkinson Street, Suite 100 (407) North Court Avenue (407) South Orange Avenue (407) Ponte Vedra Beach 250 A1A North, Suite 300 (904) Sarasota 2815 University Parkway (941) Main Street, Suite 100 (941) South Tamiami Trail (941) th Street (941) South Tuttle Avenue (941) St. Petersburg th Street North (727) th Street North (727) Pasadena Avenue South (727) Tallahassee Kerry Forest Parkway (850) Tampa 201 North Franklin Street, Suite 100 (813) North Himes Avenue (813) South Dale Mabry (813) Cove Bend Drive (813) West Palm Beach 605 North Olive Avenue (561) Wilton Manors 2465 Wilton Drive (954) Winter Park 840 South Denning Drive (407)

32 Investment Services A Path to Investment Success Iberia Financial Services, LLC can help you with long-term financial goals such as retirement, a vacation home or your child or grandchild s college education. Iberia Financial Services is a wholly owned subsidiary of IBERIABANK, offering securities and other financial products through Essex National Securities, Inc. (ENSI). For a confidential financial review, we invite you to call (800) 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 Securities and advisory services provided by Iberia Financial Services LLC 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 are affiliated with IBERIABANK. Iberia Financial Services (IFS) is a wholly owned subsidiary of IBERIABANK. Investment products are not insured by the FDIC, not insured by any federal government agency, are not deposits or other obligations of the bank, are not guaranteed by the bank and are subject to investment risks, including possible loss of principal invested. 30

33 Wealth Management Services Growing, Protecting and Transferring Wealth With a veteran team of accredited professionals, IBERIA Wealth Advisors help clients grow, protect and transfer wealth in today s complex and ever-changing environment. Our expertise and commitment to excellence in the trust and estate planning field help our clients build upon their financial success and provide peace of mind during market and economic fluctuations. We are proud to assist high net worth individuals, families, corporations, pension funds, foundations, endowments, and public and private institutions with wealth management solutions and trust services. Our clients have reached a unique level of success, and it is our privilege to provide timely and valuable advice, guidance and an objective point of view to help our clients manage, maintain and enjoy their success. For more information, please call (800) or visit IBERIA Wealth Advisors is a division of IBERIABANK. Investment Products: Not FDIC Insured Not a Bank Deposit Not Insured By Any Federal Government Agency No Bank Guarantee May Lose Value 31

34 32 Our Franchise

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) Report lost or stolen bank card 5) Internet banking assistance 6) Re-order checks 8) Instructions on how to use the system 9) Menú español 0) Speak to a Customer Service Representative

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