Client Information Guide Important Information about Your 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, Florida 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. Florida Bank s President and CEO, Susan Martinez, has been named Regional President to oversee IBERIABANK s current operations and expansion plans in Florida. 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/welcomefloridabank 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 Florida Bank accounts will automatically be transferred to IBERIABANK over the weekend of March 13, 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/welcomefloridabank. Contact Us Our Customer Service Representatives are available Monday through Friday 8 a.m. to 8 p.m. EST and Saturday 10 a.m. to 2 p.m. 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 creditcardservicing.iberiabank.com 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 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, March 16, 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 Florida Bank checks and deposit slips? Yes. You may continue to use your current 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 Florida Bank debit card? Yes. You can continue to use your Florida Bank debit card until you are issued an IBERIABANK debit card. Will my deposit account numbers change? No. Your deposit account number will remain the same and will appear on your IBERIABANK statements as well as other account documents you receive from us after March 16, 2015, unless you are notified separately by mail. 3
General Information Important dates to know: March 13, 2015 March 16, 2015 Your final Florida Bank statement will be printed reflecting all activity, including interest, through March 13, 2015. You should receive this statement by mail after March 16, 2015. New Online Banking and Bill Pay service will begin. 24-Hour Telephone Banking Service will become accessible. March 23, 2015 Your new IBERIABANK Visa debit card will be mailed. July 8, 2015 Florida Bank Visa debit cards will no longer be valid. 4
FDIC Coverage Important Information Regarding FDIC Deposit Insurance Coverage Limits If you are a client of both IBERIABANK and Florida Bank, and your total deposits exceed FDIC insurance limits, please read the important information below. Deposits from Florida Bank are separately insured from deposits at IBERIABANK for six months after the legal merger date, or August 31, 2015. This grace period will give you the opportunity to restructure your accounts if necessary. Certificates of Deposit (CDs) from 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 Florida Bank Online Banking and Bill Pay services at the close of business on Friday, March 13, 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, March 16, 2015. Florida Bank clients will need to print or download their Florida Bank Online Banking transaction history and check images prior to close of business on March 13, 2015 if they wish to have access to this information in the future. Online bill 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 March 16, 2015. 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/welcomefloridabank 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 March 16, 2015 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 March 16, 2015, Online Banking users can simply download our App and receive all these complimentary services and more: * 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 March 16, 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
Debit Cards and Credit Cards Debit Card Information You can continue to use your Florida Bank Visa debit card until you receive your new IBERIABANK Visa debit card which will be mailed on March 23, 2015. Once you activate your IBERIABANK debit card, your Florida Bank debit card will be canceled automatically. On July 8, 2015, all Florida Bank debit cards will no longer be valid. Please contact Customer Service at (800) 682-3231 if you do not receive your new IBERIABANK debit card by April 10, 2015. Credit Card Information You may continue to use your 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 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 credit card, you may do so online at www.iberiabank.com or by visiting an IBERIABANK branch. 8
ATMs Automated Teller Machine (ATM) As an IBERIABANK client, you will have greater access to your account with our expanded ATM network beginning March 16, 2015. You may also 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 p.m. EST on a business day will be credited to your account the same day.* We make banking easy... so that you have mo re time for the things in life that matt er most. There are no ATM transaction fees for withdrawals at any IBERIABANK ATM. However, when making an ATM withdrawal or transfer at a non-iberiabank ATM, there will be a service fee of $2 plus a potential surcharge levied by the ATM owner. Please see the enclosed Client Agreements and Disclosures booklet for additional details on fees. * 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 Florida Bank statement through March 13, 2015. Thereafter, you will receive your IBERIABANK checking or money market statement at approximately the same time you previously received your 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 March. Check and Deposit Slip Images Check and deposit slip images may be viewed through Online Banking starting March 16, 2015. 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. 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 Safe Deposit Box Size Annual Rental No changes will be made to your Safe Deposit Box until your next annual renewal. Safe Deposit Box fees are shown here: 3x5 $35 3x10 $50 5x10 $75 10x10 $100 10
e-statements and Telephone Banking e-statements If you were enrolled in e-statements with Florida Bank, you will continue to receive e-statements through IBERIABANK Online Banking. Florida Bank e-statements from on or before March 13, 2015 will be available through Florida Bank Online Banking until May 7, 2015. If you need printed statements, please print your Florida Bank e-statements before May 7, 2015. If you would like to start receiving e-statements, you may enroll through IBERIABANK Online Banking beginning March 16, 2015. Telephone Banking For access to your account information, funds transfer, check verification and more, you can access your account beginning March 16, 2015 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 March 13, 2015, your 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 Florida Bank Account Is: Free for Life Checking Personal Checking Opportunity Knocks Checking Community Hero Program Student Checking Partner Employee Checking First Class Checking Personal Now Checking Personal Money Manager Pinnacle Checking Your IBERIABANK Account Will Be: Freedom Checking Bank@Work Classic Checking Balance Checking High Interest Checking 12 Please see pages 20 and 21 for a personal checking account comparison chart.
Personal Checking Accounts Freedom Checking: Enjoy the freedom that comes with free Online Banking and Bill Pay, Mobile Banking and e-statements, plus a variety of ways to easily avoid a monthly service charge. Please note: Florida Bank Free for Life Checking accounts, Personal Checking accounts, Opportunity Knocks Checking accounts and Community Hero Checking accounts will convert to the Freedom Checking account. The monthly service charge on these accounts will be waived until July 31, 2015. Student Checking accounts will also convert to the Freedom Checking account. Students can receive a student waiver to avoid the monthly service charge for up to five years or their 25 th birthdate, whichever comes first. Bank@Work: Receive special banking services simply because your employer banks with us, and take advantage of additional complimentary services available with this account. 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. Please note: Current Florida Bank First Class 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. High Interest Checking: This premium checking account offers preferred rates when you maintain higher balances. Plus, it is loaded with extra features. 13
Personal Money Market and Savings Accounts On March 13, 2015, your 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 Florida Bank Account Is: Personal Savings Youth Savings A+ Youth Savings Personal Money Market Elite Personal Money Market Special Money Market Health Savings Account Your IBERIABANK Account Will Be: Statement Savings Select Money Market 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. Please note: Youth Savings and A+ Youth Savings accounts will continue to have monthly service charge fees waived until the minor s 18th birthdate. 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. 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. Please note: The monthly service charge fee will be waived for current Health Savings account holders. 15
Business Checking Accounts On March 13, 2015, your 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. 16 If Your Florida Bank Account Is: Small Business Checking Business Partner Checking Pinnacle Business Checking PF Checking Business Money Manager Business NOW PF Checking Now Commercial Checking with Analysis Commercial Checking with Analysis and Cash Management IOTA Please see page 22 for a business checking account comparison chart. Your IBERIABANK Account Will Be: Free Business Checking Free Business Checking - Public Funds Business Interest Checking Business Interest Checking - Public Funds Commercial Checking with Analysis IOTA
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. 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: A popular account that offers competitive interest rates on your balances because small-business owners know that every dollar counts. Business Interest Checking Public Funds: An interest bearing checking account offered exclusively for municipalities, public works and government agencies. 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. 17
Business Money Market and Savings Accounts On March 13, 2015, your 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 Florida Bank Account Is: Business Savings Business Money Market Public Funds Money Market Elite Business Money Market Your IBERIABANK Account Will Be: Statement Savings Select Money Market Select Money Market Public Funds Business High Interest Money Market 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. Select Money Market: An interest-bearing money market account that can help you build your company s bottom line. Maintain a level of liquidity with convenient access to your funds. Select Money Market Public Funds: An interest-bearing money market offered exclusively for municipalities, public works and government agencies. Business High Interest Money Market: An exceptional money market account available to our business and commercial clients. 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 Complimentary services Additional features High Interest Checking Earn preferred interest rates and receive premier features in one great checking account $100 Maintain an average monthly checking balance of $5,000 or more Or, maintain a combined monthly average balance of $25,000 or more in your personal checking, savings or money market accounts Or, maintain a combined monthly average balance of $50,000 or more in all of your personal deposit or loan accounts Or, you are a small business owner and have an IBERIABANK business checking account $20 Unlimited Yes $5,000 No annual fee No charge for select check styles 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 Classic Checking A banking relationship for clients 55 and over $100 Maintain a daily minimum monthly checking balance of $100 or more Or, maintain a combined monthly average balance of $5,000 or more in your personal checking, savings or money market accounts Or, you are a small business owner and have an IBERIABANK business checking account 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 $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 Email alerts e-statements and e-notices Combined Statements Telephone Banking 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.
Personal Checking Account Information Freedom Checking Balance Checking Bank@Work Enjoy A convenient checking account with free online services and easy ways to waive the monthly service charge Make the most of your banking relationship by leveraging all of your IBERIABANK personal deposit account balances to avoid a monthly service charge For employees of an IBERIABANK business client Minimum deposit to open account $50 $100 $50 Easy ways to waive the monthly service charge Maintain a monthly minimum balance of $500 or more Or, combined monthly direct deposits of $500 or more Or, you are a student Or, you are a small business owner and have an IBERIABANK small business checking account Maintain a daily minimum checking balance of $800 or more Or, maintain a collected monthly balance of $2,500 or more in your personal checking, savings, money market or CD accounts Maintain a daily minimum monthly checking balance of $500 or more Or, maintain a combined monthly direct deposits of $250 or more Monthly service charge $8 e-statements $10 paper statements $8 $8 Check writing Unlimited Unlimited Unlimited Earns interest No Yes No Minimum balance to earn interest Visa debit card Check orders N/A No annual fee Charge depends on check style $1,500 No annual fee Charge depends on check style N/A No annual fee Discount on select check styles Complimentary services 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 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 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 Ideal for small business owners with limited transaction volume Choice Business Checking Perfect for growing businesses that want Remote Deposit Capture or Merchant Processing Business Interest Checking Business Interest Checking Public Funds Clients seeking competitive interest rates paid on their balances Commercial Checking with Analysis Designed for complex businesses, an Earnings Credit is used to offset account charges Minimum deposit to open account $100 $100 $100 $100 Monthly service charge None $25 $10 $15 Easy ways to waive the monthly service charge Items allowed Additional per-item fee Currency deposited allowed No monthly service charge 500 No fee. However, accounts will be converted to Business Checking Plus if client exceeds 500 items over 2 statement cycles $10,000 per statement cycle. However, accounts will be converted to Business Checking Plus if client exceeds $10,000 deposited over 2 statement cycles Maintain a $25,000 minimum daily balance OR maintain a minimum of $50,000 combined balances with IBERIABANK 500 $0.50 per item $10,000 per statement cycle Maintain a $10,000 daily minimum balance 300 $0.50 per item $10,000 per statement cycle If compensating balances are met, then an Earnings Credit may offset monthly service charge Unlimited $0.12 per item Varies by account Additional currency deposited fee N/A $1.75 per additional $1,000 $1.75 per additional $1,000 Varies by account Earnings credit Earns interest N/A N/A N/A N/A N/A Yes Varies by account Earnings Credit applied based on compensating balances 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 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
Savings and Money Market Account Information High Interest Money Market (Business and Consumer) Select Money Market (Business and Consumer) Statement Savings (Business and Consumer) Health Savings Account (Consumer Only ) An exceptional money market account. Consumers qualify with a High Interest Checking or Elite Checking account. A money market account with easy access when you need it most A simple starter savings account Set aside funds on a pre-tax or tax-deductible basis to pay for routine healthcare expenses Minimum opening deposit $100 $100 $50 $50 Monthly service charge Easy ways to waive the monthly service charge Interest frequency $15 Maintain a daily minimum balance of $5,000 Paid monthly $15 Maintain a daily minimum balance of $2,500 Paid monthly $3 Maintain a daily minimum balance of $200. Or, if account owner is a minor under the age 18, the monthly service charge is waived Paid monthly $2.50 Maintain a daily minimum balance of $1,000 Paid monthly Minimum balance to earn interest Transaction limitations Deposit limitations $0.01 Unlimited withdrawals if made through ATM, in person, by mail or by messenger Personal accounts: unlimited deposits Business accounts: up to 30 deposited items no charge; thereafter $0.10 each $2,500 Unlimited withdrawals if made through ATM, in person, by mail or by messenger Personal accounts: unlimited deposits Business accounts: up to 30 deposited items no charge; thereafter $0.10 each $0.01 Four withdrawals permitted per calendar month, $3 per additional withdrawal Unlimited $0.01 Withdrawals are limited by the Internal Revenue Service (IRS) to qualified medical purchases 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 Consumers must have High Interest Checking or Elite Checking account Automatically transfer funds from your checking account to an IBERIABANK savings account and watch your money grow Debit card available with no annual fee Set-up fee applicable This account is available to individuals covered by a highdeductible health plan For more detailed information on an HSA, please check with a tax advisor For account details and any restrictions that may apply to an account, please refer to the Client Agreement and Disclosures booklet and the Rate and Fee Schedule located in the back cover insert. Selected services are not available in all states or locations. 23
Certificates of Deposit and Individual Retirement Accounts On March 13, 2015, your 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 Florida Bank CD Early Withdrawal Penalty Was: Your IBERIABANK CD Early Withdrawal Penalty Will Be: 100% interest 100% interest 30 days interest 30 days interest 90 days interest 90 days interest 120 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. A fee will be assessed if your linked account has enough funds to cover at least one overdraft item. The fee for Overdraft Protection Deposit to Deposit Transfer service is waived for certain checking accounts. $25 annual fee for the Line of Credit Note: If you are enrolled, when required, a transfer will take place from your linked Line of Credit. Interest and fees may apply for transfers from your IBERIABANK Line of Credit. 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. 25
Loan Account Information General Loan Information: Your loan account number and 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. You may continue to access your consumer line of credit using the method(s) described in your 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 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. 26
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 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 Cape Coral 1715 Cape Coral Parkway West (239) 541-5200 812 Del Prado Boulevard South (239) 985-8120 2546 Heydon Lane (239) 433-6000 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 Fort Myers 4670 Summerlin Road (239) 985-2660 6651 Orion Drive (239) 225-4560 9101 College Pointe Court (239) 332-4440 8341 Dani Drive (239) 433-6020 Jacksonville 135 West Bay Street (904) 446-1940 4211 San Juan Avenue (904) 562-6000 Jupiter 1315 West Indiantown Road (561) 653-5070 Key West 1000 Kennedy Drive (305) 293-0824 Additional locations will be coming soon in the Greater Orlando area through our pending acquisition of Old Florida Bank and New Traditions Bank, subject to regulatory approval. 2247 First Street (239) 332-3527 1075 Duval Street (305) 294-4362 28 *Denotes location without an ATM 7580 Winkler Road (239) 481-2875
Florida Branch Locations Guide Marathon 12640 Overseas Highway (305) 289-5800 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 5247 Golden Gate Parkway (239) 403-2550 Oldsmar 3100 Tampa Road (727) 608-2230 Ponte Vedra Beach 250 A1A North, Suite 300 (904) 543-7055 Sarasota 2815 University Parkway (941) 355-5313 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 3063 34th Street North (727) 520-1444 400 4th Street North (727) 456-5440 777 Pasadena Avenue South (727) 347-3132 Tallahassee 2915-501 Kerry Forest Parkway (850) 894-2870 Tampa 201 North Franklin Street, Suite 100 (813) 569-7500 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 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. 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
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