Client Information Guide. Important Information about Your Old Florida Bank Accounts Converting to IBERIABANK

Client Information Guide 12 Important Information about Your Old Florida Bank Accounts Converting to IBERIABANK

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, 2014. We employ more than 2,800 experienced banking professionals and associates from 280 offices. IBERIABANK operates nearly 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 www.iberiabank.com. 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

is becoming Table of Contents In October of 2014, Old Florida Bancshares, Inc. 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) 682-3231 if you have any questions. We truly appreciate your business and look forward to serving you. Additional information is available at www.iberiabank.com/welcomeoldflorida 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 & Savings 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

Introduction and Contact Information Important Information Concerning Your Account(s): Your Old Florida Bank accounts will automatically be transferred to IBERIABANK over the weekend of April 24, 2015. 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) 682-3231, visit your nearest branch or go online to www.iberiabank.com/welcomeoldflorida. Contact Us Our Customer Service Representatives are available Monday through Friday 8 AM to 8 PM EST and Saturday 10 AM to 2 PM EST by calling (800) 682-3231. You may reach us also by email at customerservice@iberiabank.com. 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

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, April 27, 2015, you can conduct your banking transactions at any IBERIABANK branch. Please refer to the Florida locations guide on pages 28-29 for more details. Can I continue to use my Old Florida Bank checks and deposit slips? Yes. You may continue to use your current Old Florida 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 Old Florida Bank ATM or debit card? Yes. You can continue to use your Old Florida Bank ATM or debit card through April 26. You will receive a new IBERIABANK ATM or debit card to begin using on Monday, April 27. Your Old Florida Bank ATM or debit card will no longer be valid as of April 27. Will my deposit account numbers change? No. Your deposit account number will remain the same and will appear on your IBERIABANK statements as well as other account documents you receive from us after April 27 unless you are notified separately by mail. 3

General Information Important dates to know: Monday, April 13, 2015 Your new IBERIABANK ATM or Visa debit card will be mailed. Friday, April 24, 2015 Monday, April 27, 2015 Monday, April 27, 2015 Your final Old Florida Bank statement will be printed reflecting all activity, including interest, through April 24. You should receive this statement by mail after April 27. Your Old Florida Bank ATM or Mastercard debit card will no longer be valid. New Online Banking and Bill Pay service will begin. 24-Hour Telephone Banking Service will become accessible. 4

FDIC Coverage Important Information Regarding FDIC Deposit Insurance Coverage Limits If you are a client of both IBERIABANK and Old Florida Bank, and your total deposits exceed FDIC insurance limits, please read the important information below. Deposits from Old Florida Bank are separately insured from deposits at IBERIABANK for six months after the legal merger date, or September 30, 2015. This grace period will give you the opportunity to restructure your accounts if necessary. Certificates of Deposit (CDs) from Old Florida 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 www.fdic.gov/deposit/deposits. 5

Online Banking and Bill Pay Online Banking and Bill Pay Information We will convert Old Florida Bank Online Banking and Bill Pay services at the close of business on Friday, April 24, 2015. Online account access will be disabled during this weekend. Account access through IBERIABANK Online Banking and Bill Pay will be fully available beginning Monday, April 27. Old Florida Bank clients will need to print or download their Old Florida Bank Online Banking transaction history and check images by 5:00 PM on April 24 if they wish to have access to this information in the future. Online Bill Pay payees and payments will be converted to the new system. We recommend that you print a copy of your payees to verify payee and payment information beginning April 27. 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 www.iberiabank.com/welcomeoldflorida 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 April 27 at www.iberiabank.com. 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

Mobile Banking Services Bank on go! Beginning April 27, 2015, Online Banking users can begin to take advantage of these great mobile services as well. 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 April 27, 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

ATM, Debit and Credit Cards ATM and Debit Card Information You can continue to use your Old Florida Bank ATM or debit card through April 26, 2015. You will receive a new IBERIABANK ATM or debit card to begin using on Monday, April 27. Your Old Florida Bank ATM or debit card will no longer be valid as of April 27. Please call (800) 992-3808 to activate your card and select your PIN. Please contact Customer Service at (800) 682-3231 if you do not receive your new IBERIABANK ATM or debit card by April 20. Credit Card Information You may continue to use your Old Florida 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 Old Florida Bank credit card. IBERIABANK has a full line of consumer and business credit cards with attractive features and competitive interest rates. To apply for an IBERIABANK consumer credit card, you may do so online at www.iberiabank.com or by visiting an IBERIABANK branch.* * All loans and products subject to approval, including credit approval. 8

ATMs Automated Teller Machine (ATM) As an IBERIABANK client, you will have greater access to your account with our expanded ATM network beginning April 27, 2015. ATM machines will be installed at most Central Florida branch locations, 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 28-29. Visit our website at www.iberiabank.com 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 EST on a business day will be credited to your account the same day.* www.iberiabank.com There are no ATM transaction fees for withdrawals at any 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 and foreign ATM surcharge fees will be reimbursed through August 31, 2015. 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. 9

Statements, Images, Direct Deposit & Safe Deposit Boxes Bank Statement Information You will receive an interim deposit account statement reflecting account activity from your last Old Florida Bank statement through April 24, 2015. Thereafter, you will receive your IBERIABANK checking or money market statement at approximately the same time you previously received your Old Florida 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 April. Check and Deposit Slip Images Check and deposit slip images may be viewed through Online Banking starting April 27. 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 15 x 10 $130 22 x 15 $210 44 x 15 $250

e-statements and Telephone Banking e-statements If you were enrolled in e-statements with Old Florida Bank, you will continue to receive e-statements through IBERIABANK Online Banking. Old Florida Bank e-statements from on or before April 24, 2015 will be available through Old Florida Bank Online Banking until June 24. If you need printed statements, please print your Old Florida Bank e-statements before April 24. If you would like to start receiving e-statements, you may enroll through IBERIABANK Online Banking beginning April 27. Telephone Banking For access to your account information, funds transfer, check verification and more, you can access your account beginning April 27 through IBERIABANK Telephone Banking by calling (800) 968-0801. You will need the last four digits of your social security number or tax identification number to establish a new Telephone Banking PIN. 11

Personal Checking Accounts On April 24, 2015, your Old Florida 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 service better suited for your financial situation, please visit one of our branches or call (800) 682-3231. If Your Old Florida Bank Account Is: New Easy Checking Golden Club Local Interest Checking Premium Checking Flexible Interest Checking Shareholder Checking Your IBERIABANK Account Will Be: Freedom Checking Classic Checking Balance Checking High Interest Checking Please see pages 20 and 21 for a personal checking account comparison chart. 12

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. Old Florida Bank New Easy Checking accounts will convert to the Freedom Checking account. The monthly service charge on these accounts will be waived until August 31, 2015. 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 Old Florida Bank Golden Club 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. Old Florida Bank Local Interest Checking accounts will convert to the Balance Checking account. The monthly service charge will be waived until August 31, 2015. High Interest Checking: This premium checking account offers preferred rates when you maintain higher balances. Plus, it is loaded with extra features. Old Florida Bank Shareholder Checking will convert to the High Interest Checking account. The monthly service charge on these accounts will be waived until August 31, 2015. 13

Personal Money Market and Savings Accounts On April 24, 2015, your Old Florida 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 service better suited for your financial situation, please visit one of our branches or call (800) 682-3231. If Your Old Florida Bank Account Is: Easy Savings ATS Savings Personal Money Market Old Florida Savings Health Savings Account Your IBERIABANK Account Will Be: Statement Savings Choice Money Market Consumer Savings Plus Health Savings Account Please see page 23 for a savings and money market account comparison chart. 14

Personal Savings & Money Market Accounts Statement Savings: A great starter account simple and easy that earns interest on your entire balance. Choice Money Market: A high yield money market account that offers premium interest rates and convenient access to your funds. Consumer Savings Plus: Earn exceptional interest rates when you maintain significant balances in your Consumer Savings Plus account. 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

Business Checking Accounts 16 On April 24, 2015, your Old Florida 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 service better suited for your financial situation, please visit one of our branches or call (800) 682-3231. If Your Old Florida Bank Account Is: Non-Profit Interest Value Checking Value One Special NOW HOA Business Interest Checking NOW Escrow Value Plus Checking Progressive Checking ICS Demand Business Analysis Checking - Full Analysis Sweep Operating IOTA DDA Public Funds Non Public NOW Business Analysis Interest Checking - Public Fund Please see page 22 for a business checking account comparison chart. Your IBERIABANK Account Will Be: Free Business Checking Business Interest Checking Choice Business Checking Advanced Business Checking Commercial Checking with Analysis Investment Sweep IOTA Free Business Checking - Public Funds Business Interest Checking - Public Funds Public Fund NOW Account

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: A popular account that offers competitive interest rates on your balances because small-business owners know that every dollar counts. Choice Business Checking: Give your business the tools it needs to grow. Choice Business Checking comes complete with high-end features, on a small business budget. Upgrade to remote deposit capture or merchant processing services and increase efficiencies for your company. 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. Commercial Checking with Analysis: An account designed for businesses with large transaction volumes and advanced treasury management needs. 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. Free Business Checking Public Funds: A checking account designed for limited monthly transaction volume that is offered exclusively for municipalities, public works and government agencies. Business Interest Checking Public Funds: An interest bearing checking account offered exclusively for municipalities, public works and government agencies. 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

Business Money Market and Savings Accounts On April 24, 2015, your Old Florida Bank business money market or savings 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 service better suited for your financial situation, please visit one of our branches or call (800) 682-3231. If Your Old Florida Bank Account Is: Business Savings Business Money Market Business Savings Plus Public Funds Money Market Your IBERIABANK Account Will Be: Statement Savings Choice Money Market Commercial Business Savings Plus Select Money Market Public Funds Please see page 23 for a savings and money market account comparison chart. 18

Business Savings and Money Market Accounts Statement Savings: Simplicity that allows you to get back to running your business. Choice Money Market Commercial: A high yield business money market account that offers premium interest rates and convenient access to your funds. Business Savings Plus: Earn exceptional interest rates when you maintain significant balances in your Business Savings Plus account. Select Money Market Public Funds: An interest-bearing money market offered exclusively for municipalities, public works and government agencies. 19

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 collected checking balance of $5,000 or more per statement cycle Or, maintain a combined average collected balance of $25,000 or more per statement cycle in your personal checking, savings or money market accounts Or, maintain a combined average collected balance of $50,000 or more per statement cycle 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 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 $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 Email 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 Email 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.

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 daily 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 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 $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 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 Email alerts e-statements and e-notices Combined statements Telephone Banking $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 Email 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

Business Checking Account Information Free Business Checking Free Business Checking Public Funds Choice Business Checking Business Interest Checking Business Interest Checking Public Funds Advanced Business Checking Commercial Checking with Analysis Ideal for small business owners with limited transaction volume Perfect for growing businesses that want Remote Deposit Capture or Merchant Processing Clients seeking competitive interest rates paid on their balances Great for businesses with large transaction volume Designed for complex businesses, an Earnings Credit is used to offset account charges Minimum deposit to open account $100 $100 $100 $100 $100 Monthly service charge None $25 $10 $15 $15 Easy ways to waive the monthly service charge No monthly service charge Maintain a $25,000 minimum daily balance OR maintain a combined minimum daily balance of $50,000 with IBERIABANK Maintain a $10,000 minimum daily balance Earnings Credit Rate may offset monthly service charge If compensating balances are met, then an Earnings Credit may offset monthly service charge Items allowed 500 500 300 $0.20 per item Unlimited Additional per-item fee Currency deposited allowed 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 $0.50 per item $0.50 per item 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. N/A $0.17 per check paid $0.55 per deposit made $0.12 per deposited Item $10,000 per statement cycle $10,000 per statement cycle $10,000 per statement cycle Varies by account Additional currency deposited fee N/A $1.75 per additional $1,000 $1.75 per additional $1,000 $1.00 per additional $1,000 Varies by account Earnings credit N/A N/A N/A Yes Varies by account Earns interest N/A N/A 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 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 Earnings Credit applied based on compensating balances 22

Choice Money Market (Business and Consumer) A high yield money market that offers premium interest rates and convenient access to your funds Select Money Market A money market account with easy access when you need it most Savings and Money Market Account Information Statement Savings (Business and Consumer) A simple starter savings account Savings Plus (Business and Consumer) Earn exceptional interest rates when you maintain significant balances in your Savings Plus account Health Savings Account (Consumer Only) Set aside funds on a pre-tax or tax-deductible basis to pay for routine healthcare expenses Minimum deposit to open account $10,000 $100 $50 $50,000 $50 Monthly service charge $15 $15 $3 $10 $2.50 Easy ways to waive the monthly service charge Maintain a $10,000 minimum daily balance Maintain a $2,500 minimum daily balance Maintain a $200 minimum daily balance or if account owner is a minor under the age of 18 Maintain a $50,000 minimum daily balance Maintain a $1,000 minimum daily balance Interest frequency Paid monthly Paid monthly Paid quarterly Paid quarterly Paid monthly Minimum balance to earn interest $10,000 $2,500 $0.01 $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 Two withdrawals permitted per statement cycle, $25 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 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 Additional Information Automatically transfer funds from your checking account to an IBERIABANK savings account and watch your money grow 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 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 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

Certificates of Deposit and Individual Retirement Accounts On April 24, 2015, your Old Florida 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 Old Florida Bank CD Early Withdrawal Penalty Your IBERIABANK CD Early Withdrawal Penalty Will Be: Was: Penalty Free Penalty Free 30 days interest 30 days interest 90 days interest 90 days interest 180 days interest 180 days interest 24

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 (number of transfers per statement cyle is unlimited). 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

Loan Account Information General Loan Information: Your new IBERIABANK loan number will be a combination of your Old Florida Bank account/loan number and your Old Florida Bank note number as shown in the example below. This change will go into effect on Monday, April 27, 2015. Old Florida Bank Account/Loan Number: 12345678 Old Florida Bank Note Number: 00100 New IBERIABANK Loan Number: 1234567800100 Your loan payment date will remain the same unless we notify you otherwise. You may continue to make payments in person at the branch or by mail using the following new mailing address: IBERIABANK P.O. Box 13740 New Iberia, LA 70562-3740 In addition, loan payments can be made online at https://iberiabankpayments.com/account. 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) 682-3231. 26 Consumer and Home Equity Lines of Credit: If you have a consumer line of credit, your monthly payment 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 may continue to access your consumer line of credit using the method(s) described in your Old Florida Bank line of credit agreement. Approximately two to three weeks after conversion, you will receive a complimentary supply of business-size IBERIABANK checks for your consumer line of credit. When you receive them, if applicable, please destroy your existing supply of Old Florida 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.

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

Florida Branch Locations Guide Altamonte Springs 520 West SR 436, Suite 1102 (407) 788-8005 Cape Coral 1715 Cape Coral Parkway West (239) 541-5200 Fort Myers 4670 Summerlin Road (239) 985-2660 Jupiter 1315 West Indiantown Road (561) 653-5070 Apopka 1420 West Orange Blossom Trail (407) 464-7024 Boca Raton 1180 North Federal Highway (561) 869-4860 Boynton Beach 1101 North Congress Avenue (561) 968-1000 Bradenton 5310 East SR 64 (941) 487-3050 6351 Manatee Avenue West (941) 795-4211 5844 14th Street West (941) 758-7800 *Denotes location without an ATM **Opening May 17, 2015 812 Del Prado Boulevard South (239) 985-8120 2546 Heydon Lane (239) 433-6000 Crystal River 1101 Northeast 5th Street (352) 563-1645 Delray Beach 900 Southeast 6th Avenue (561) 278-4560 Estero 23250 Via Villagio (239) 985-8140 Fort Lauderdale 1201 South Andrews Avenue (954) 522-4321 200 E Las Olas Boulevard,* Suite 2000 (954) 848-6260 6651 Orion Drive (239) 225-4560 9101 College Pointe Court (239) 332-4440 2247 First Street (239) 332-3527 7580 Winkler Road (239) 481-2875 8341 Dani Drive (239) 433-6020 Inverness 1777 West Main Street (352) 344-8513 Jacksonville 135 West Bay Street (904) 446-1940 4211 San Juan Avenue (904) 562-6000 Key West 1000 Kennedy Drive (305) 293-0824 1075 Duval Street (305) 294-4362 Lake Mary 7090 CR 46A (407) 388-6140 Longwood 502 North Highway 17-92 (407) 831-1776 505 Wekiva Springs Road, Suite 700 (407) 865-9800 Maitland 100 East Packwood Avenue** (407) 740-7800 28

Florida Branch Locations Guide Marathon 12640 Overseas Highway (305) 289-5800 Oldsmar 3100 Tampa Road (727) 608-2230 Sarasota 2815 University Parkway (941) 355-5313 Tampa 201 North Franklin Street, Suite 100 (813) 569-7500 5601 Overseas Highway (305) 289-5824 Marco Island 605 Bald Eagle Drive (239) 393-2400 Naples 3838 Tamiami Trail North (239) 403-5123 1905 Pine Ridge Road (239) 403-5170 428 9th Street South (239) 403-4240 2180 Immokalee Road (239) 593-2021 775 Airport Road North (239) 430-1639 2150 Goodlette Road North (239) 403-2510 Orlando 1901 Edgewater Drive (407) 388-6135 600 Wilkinson Street, Suite 100 (407) 206-7800 60 North Court Avenue (407) 650-9889 918 South Orange Avenue (407) 835-0113 Ponte Vedra Beach 250 A1A North, Suite 300 (904) 543-7055 1718 Main Street, Suite 100 (941) 363-3180 8181 South Tamiami Trail (941) 552-3724 3323 17th Street (941) 951-1018 3600 South Tuttle Avenue (941) 925-1050 St. Petersburg 3065 34th Street North (727) 520-1444 500 4th Street North (727) 456-5440 777 Pasadena Avenue South (727) 347-3132 Tallahassee 2915-501 Kerry Forest Parkway (850) 894-2870 4105 North Himes Avenue (813) 769-8080 612 South Dale Mabry (813) 769-1110 3001 Cove Bend Drive (813) 463-4200 West Palm Beach 605 North Olive Avenue (561) 653-5050 Wilton Manors 2465 Wilton Drive (954) 537-2025 Winter Park 840 South Denning Drive (407) 622-6626 5247 Golden Gate Parkway (239) 403-2550 29

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 800-823-9666 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 Iberia Financial Services (IFS) is a wholly owned subsidiary of IBERIABANK. Securities and advisory services provided by IFS are offered through Essex National Securities, LLC, member FINRA/SIPC, an independent broker/dealer and Registered Investment Advisor. Insurance products provided by IFS are offered through Essex National Insurance Agency, Inc. Neither Essex entities are affiliated with 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

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) 667-6176 or visit www.iberiawealth.com. IBERIA Wealth Advisors is a division of IBERIABANK. Investment Products: FDIC Insured Not a Bank Deposit Not Insured By Any Federal Government Agency No Bank Guarantee May Lose Value 31

32 Our Franchise

Ignore - only used for spread

TELEPHONE BANKING Get instant access to your accounts 24-hours a day. (800) 968-0801 Customer Service (800) 682-3231 Detach for future reference

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

www.iberiabank.com