Products, Services, Fees for First Horizon Banking Centers

Products, Services, Fees For First Horizon Banking Centers CONSUMER CHECKING PRODUCTS FirstView SmartView TotalView Checking Checking Checking Earns Interest No Yes Yes Service Charge $0 $15 $40 $25 (Effective 6/1/2021)

Service Charge N/A 1 direct deposit or ACH/bill $25,000 (Effective 6/1/2021 Waiver Requirements pay $15,000) checking balances AND one of: AND 1 direct deposit or  $5,000 avg. account ACH/bill pay balance AND one of:  $25,000 relationship  $100,000 total deposits, deposits (incl. wealth) wealth and loan  $2,500 in credit card balances (Effective spend (eff. 6/1/2021) 6/1/2021)  $5,000 monthly debit + credit card spend Key Benefits No Requirements No Requirements: No Requirements:  Free linked  Free linked Consumer  Foreign ATM Fees Traditional Money Market Account waived Savings account  Foreign ATM Fees  Other deposit accounts waived have no monthly service With Service Charge Waiver charge fees Requirements:  Free Paper Statements  Premium interest on  Higher debit card limits account balances  Ability to link to  Tenure‐based premium investment accounts interest on first $25,000  Premium interest on in account balances account balances With Service Charge Waiver Requirements:  Premium interest on linked TotalView Money Market account Ancillary Benefits Cashier’s Check N/A $0 $0 Harland Clarke Checks N/A $0 – Standard $0 – Standard 25% discount on other styles 50% discount on other styles Paper Statements N/A N/A $0 ‐ Image (front) eStatements ‐ $0 $1 – Conventional (front and back) Wires N/A N/A $25 discount per cycle Safe Deposit Box N/A 50% discount (any size) 100% discount (any size)

April 2021 CONSUMER CHECKING PRODUCTS Checking Product Job Aid Terms:

 Features – facts about the product. How it works. Same for every person who uses the product.  Benefits – Shows the value of a product relative to their specific need(s).  Tenure – The duration of the customer’s relationship with the bank, including any account type.  Service Charge Refund Requirements – Actions that must be completed each statement cycle in order to have the associated service charge refunded and receive the Below the Line features.  Above the Line – Key features offered with an associated account that the customer receives automatically  Below the Line – Key features offered with an associated account that require the customer to meet the Service Charge Refund Requirement to receive.  Relationship Rewards – This describes the way we are facilitating things like fee refunds and interest payments for our new checking products. o Over time this will allow us to build and adjust new products, programs, and promotions faster and with more unique offerings based on many different customer characteristics, such as geography, special programs, depth of relationship, and tenure. o Nothing is necessary for the customer to get the benefits of Relationship Rewards with their checking product(s). Customers automatically receive relationship reward eligibility by having one of the new checking products. There is no enrollment, no redemption, and no action required by the customer. Additional Notes: FirstView Checking Account Service Charge / Linked Savings  By offering a linked savings account, we are able to provide a positive value proposition for the customer to help him/her achieve savings goals.  In addition, the Bank is able to help the customer rest assured that overdraft fees are less likely to occur by setting up an overdraft protection connection between the savings account and the checking account if the customer so chooses.  The customer can link an existing account as long as the account is the appropriate product type (Traditional Savings).  The customer does not have to maintain a minimum balance in the savings account to waive the quarterly service fee. - There is no balance requirement and no service charge as long as the customer has the FirstView Checking Account.

April 2021 CONSUMER CHECKING PRODUCTS SmartView Checking Account Interest  Relationship Rewards interest payments will be paid each cycle based on activity that occurred during the previous cycle.  These interest rates and the criteria to earn Relationship Rewards interest payments are subject to change.  Guaranteed rates associated with a promotional offer and/or exception pricing will supersede and override any Relationship Rewards interest payments, including Premier Plus “bump” rates.  The rate structure is tiered and available in ARX.

Linked Money Market  The customer can link an existing account as long as the account is the appropriate product type (Money Market).  By offering a linked money market account, we are able to provide a positive value proposition for the customer to help him/her achieve savings goals.  In addition, the Bank is able to help the customer rest assured that overdraft fees are less likely to occur by setting up an overdraft protection connection between the money market account and the checking account if the customer so chooses.  The customer does not have to maintain a minimum balance in the money market account to waive the quarterly service fee. There is no balance requirement and no service charge as long as the customer has the SmartView Checking Account. Note: The customer can opt out of the linked money market account with any of our new products.

Service Charge Refund  When the customer’s statement drops, the service charge will show as a line item on the statement. If the eligibility requirements are met, the relationship reward refund will post within 2‐3 days and show as an additional line item. Therefore, both will show on the same statement.  NOTE: Relationship Rewards payments should typically be visible to a customer on the business day following a fee being charged to an account. However, due to potential technology delays and/or other processing times, the Bank targets a two‐three business day timeline for Relationship Rewards payments from the end of a statement cycle.  NOTE: Accounts will not receive a fee during their first cycle to make sure customers have time to setup their account with balances, a direct deposit, and/or bill pay services.  If a customer asks for a fee refund before his/her Rewards Relationship cycle has processed, remind the customer that Relationship Rewards are an automated process. To ensure we minimize account disruptions due to multiple refunds and subsequent reversals and are able to provide a consistent experience, we ask that he/she waits for Relationship Rewards payments to post. Sales and Service (SNS) will include prompts reminding employees of the timing of Relationship Rewards payments.

One Direct Deposit or Bill Pay Requirement  These include: Incoming and outgoing ACH transactions (including employer direct deposits), bill payments made through Banking Online, and banking online transfers to a First Horizon credit card, loan, or HELOC.

April 2021 CONSUMER CHECKING PRODUCTS

SmartView Checking Account $25k Checking Balance Requirement  The balance used to calculate the SmartView “$25k relationship deposits” option for receiving Relationship Rewards will be as follows: o Relationship deposits will be calculated as the average daily ledger balance over the course of the SmartView account’s cycle for all deposit accounts open at any point in the cycle where the customer was a primary or joint owner of the account. o This includes all consumer checking, consumer savings, consumer money market, and consumer time deposit (CD or IRA) and wealth balances. This also includes any grandfathered consumer deposit products.

Tenure‐Based Interest  Tenure‐based interest is determined by the relationship the customer has with the bank – any account type. If multiple customers are on an account, the customer is rewarded based on the customer with the oldest relationship, longest tenure.

TotalView Checking Account Interest  Relationship Rewards interest payments will be paid each cycle based on activity that occurred during the previous cycle.  These interest rates and the criteria to earn Relationship Rewards interest payments are subject to change.  Guaranteed rates associated with a promotional offer and/or exception pricing will supersede and override any Relationship Rewards interest payments, including Premier Plus “bump” rates.  The rate structure is tiered and available in ARX.  The TotalView Checking account will only pay bonus interest to its linked TotalView Money Market account. TotalView Money Market accounts are only available to customers with TotalView Checking accounts.

Linked Money Market  The customer can link an existing account as long as the account is the appropriate product type (TotalView Money Market).  By offering a linked money market account, we are able to provide a positive value proposition for the customer to help him/her achieve savings goals.  In addition, the Bank is able to help the customer rest assured that overdraft fees are less likely to occur by setting up an overdraft protection connection between the money market account and the checking account if the customer so chooses.  The customer does not have to maintain a minimum balance in the money market account to waive the quarterly service fee.  There is no balance requirement and no service charge as long as the customer has the TotalView Checking Account. Note: The customer can opt out of the linked money market account with any of our new products.

Linked Investment Accounts  At this time, investment accounts can only be linked to TotalView Checking accounts when the checking account and investment account have the same, single owner. Additionally, only non‐retirement and non‐annuity investment accounts will be eligible.  Sweeps between the TotalView Checking account(s) and investment account(s) can be setup to automatically occur at increments of $1,000 and should be set to only occur on balances under $25k in a TotalView Checking account.

April 2021  Note: If an investment account is linked, it will show in the customer’s profile.  Sweeps between the TotalView Checking account(s) and investment account(s) can be setup to automatically occur at increments of $1,000 and should be set to only occur on balances under $25k in a TotalView Checking account.

Increased Limits  ATM withdrawal limit if $1,000; POS is $5,000

Service Charge Refunds  The account fees that are refunded with the “no service charge fees on other consumer deposit accounts” feature of TotalView Checking include: monthly service charge fees on consumer checking, savings, and money market accounts, including any grandfathered products.  This excludes other TotalView Checking accounts – as the TotalView Checking account serves as the umbrella account.  These refunds will occur after the other account goes through its standard fee waiver/refund process and will only be paid if the account did not receive its standard fee waiver/refund.

$25k Checking Balance Requirement  The balance used to calculate the TotalView “$25k checking balances” requirement for receiving Relationship Rewards is the combined average daily ledger balance over the TotalView Checking account’s cycle for all consumer checking accounts (new and grandfathered checking products) where the customer is a primary or joint accountholder.

$100k Total Deposits, Wealth AND Home Equity/Mortgage Balances Requirement  The balance used to calculate the TotalView “$100k deposits, wealth and Home Equity/Mortgage balances” option for receiving Relationship Rewards is the combined average daily ledger balance over the TotalView Checking account’s cycle for all consumer deposit accounts where the customer was a primary or joint accountholder. Loan balances include the average outstanding balance over the course of the TotalView Checking account’s cycle for home equity and portfolio mortgage loans.  This includes all consumer checking, consumer savings, consumer money market, and consumer time deposit (CD or IRA) accounts. Additionally, the average balance of any wealth management accounts open during the cycle are included.  Note: Portfolio mortgages are mortgage loans owned by the Bank and serviced by the Bank or its contracted servicing vendor. Currently, First Horizon uses Dovenmuehle (aka DMI) to service portfolio mortgages. These mortgages will receive statements with the Bank’s branding, indicating they are, “in the Bank’s portfolio.” $5k Debit and Credit Card Spend Requirement  Notice TotalView includes a fee refund option for debit card + credit card, while SmartView Checking only includes credit card. This is because our goal is for the new products to provide a solution that is consistent with the financial goals and challenges our customers have and how they will typically use their accounts.  Customers who tend to spend more in a month (regardless of type of card) also tend to fit the profile of someone who will need the value of TotalView Checking and who will find the product most valuable.

April 2021

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April 2021

April 2021 CONSUMER SAVINGS PRODUCTS

Traditional Consumer Money TotalView Money Savings Market Market Service Charge $5/quarter $9/quarter N/A Requirements to $250 minimum daily $5,000 minimum Not offered as a Waive balance OR when linked combined deposit standalone product. to a FirstView Checking balance OR when linked Customer must have for Relationship Rewards to SmartView Checking TotalView Checking for Relationship Rewards Interest Compounded Daily Monthly Monthly Interest Paid Quarterly Monthly Monthly Statements Monthly with ATM/electronic transactions, otherwise, quarterly ATM Access Yes, when linked to a First Horizon checking account’s debit card Excess Withdrawal Fee If average daily balance for the quarter is less than $250, an excessive withdrawal fee of $2 is N/A N/A assessed for each withdrawal exceeding 3 per quarter.

April 2021 CONSUMER SAVINGS PRODUCTS

Traditional Savings

Minimum Requirements

 $50 minimum opening deposit  No quarterly maintenance fee if you meet the $250 minimum daily balance requirement

Product Features

 $5 quarterly maintenance fee if daily balance falls below $250  Interest is compounded daily and posted quarterly  Account can be linked to a First Horizon Bank checking account to provide 24‐hour access to funds through the ATM  FDIC insured up to $250,000*  Link to checking for overdraft protection

Product Benefits

 Access via ATM when linked to a First Horizon Bank checking account**  Monthly statements on savings accounts with activity through the ATM  Accessible via Digital Banking  Convenient Automatic Savings Service with recurring transfers between accounts via Digital Banking

April 2021 CONSUMER SAVINGS PRODUCTS

Consumer Money Market Features Minimum Requirements

 $50 minimum opening deposit  No monthly service charge if account holder also has a qualifying checking account, or if the total combined balance in First Horizon Bank accounts is at least $5,000. Otherwise, a $9 monthly service charge will be assessed.

Product Features

 Tiered‐interest at money market rates based on your daily balance  Interest compounded and credited monthly  Automatic savings with regular transfers from your checking account  Account can be linked to a First Horizon Bank checking account to provide 24‐hour access to funds through the ATM  FDIC insured up to $250,000*  Link to checking for overdraft protection

Product Benefits

 Access to funds by ATM or check**  Monthly statements when there are ATM or electronic transactions. Otherwise, quarterly.  Accessible via Digital Banking  Convenient Automatic Savings Service with recurring transfers between accounts via Digital Banking

April 2021 CONSUMER AND SMALL BUSINESS CD PRODUCTS Add‐On CD Regular CD Jumbo CD One penalty‐free early Flexible payment options Flexible payment options Features withdrawal during term. and terms, fixed interest and terms, fixed interest Additional deposits rates. rates. allowed. Opening Deposit $500 $1,000 $100,000 Terms 6 months 30 days to 5 years 30 days to 5 years One rate for balances less Rate than $25,000 Vary by term Vary by term Higher rate for balances $25,000 and over Terms 12 months or less: monthly, quarterly, semi‐annually, or at maturity by check or transfer to a First Horizon checking Credited at Maturity or savings account; otherwise capitalized at maturity. Interest Payment Terms greater than 12 months: monthly, quarterly, semi‐ annually, or annually by check or transfer to a First Horizon checking or savings account; otherwise capitalized at maturity.

Early Withdrawal One penalty‐free Terms 30‐364 Days: 90 days interest Penalty withdrawal during term. Terms 365 to 59 Months: 180 days interest 90 days interest on other Terms 60 months: 365 days interest early withdrawals Renewal Automatic after 7 calendar Automatic after 7 calendar No automatic renewal; will grace period grace period cease earning interest at maturity if not reinvested.

Add‐On CD

Minimum Requirements  $500 minimum opening deposit Product Features  Add to your CD almost any time with as little as $25 via one‐time deposit or automatic transfers from a First Horizon Bank checking, savings, or money market savings account  One penalty‐free withdrawal every six months*  Interest added to your CD or transferred to your checking, savings, or money market savings account  Semi‐annual maturity notices  Automatic renewal every six months  FDIC insured up to $250,000** Product Benefits  Higher interest than a savings account  Convenient Automatic Savings Service with recurring transfers between accounts via Digital Banking

April 2021 CONSUMER AND SMALL BUSINESS CD PRODUCTS

Regular CD Minimum Requirements  $1,000 minimum opening deposit

Product Features  Maturity terms from 1‐60 months  Interest compounded annually on CDs over one year  Competitive yields  Automatic renewal  Interest payment options – monthly, quarterly, semi‐annually or annually (for interest payments by check or transferred to a First Horizon checking, savings, or money market account)  FDIC insured up to $250,000*

Product Benefits  Higher interest than a savings account

April 2021 CONSUMER BASE INTEREST RATES AND REWARDS (As of 2/20/2021)

April 2021 SMALL BUSINESS CHECKING PRODUCTS BizEssentials BizEssentials BizEssentials BizEssentials Value Checking Basic Checking Standard Checking Interest Checking Earns Interest No No No Yes Monthly Service Charge $5.00 $15.00 $25.00 $25.00 Service Charge Waiver Average daily Average daily balance Requirements N/A balance of of $10,000 or N/A $5,000 $25,000 in combined balances Monthly Transactions1 75, 250, 600, 600, then $0.50 each then $0.50 each then $0.50 each Then $0.50 each 1 Transactions include paper checks, checks deposited and deposit slips. Electronic transactions (including debit card transactions) and mobile deposits are included in transaction totals. Each $250 increment of cash deposited counst as one paper transaction.

SMALL BUSINESS SAVINGS PRODUCTS

BizEssentials Savings Account

 This account offers competitive interest rates, no monthly fee and an automatic sweep feature to maximize your interest‐earning ability. CD Products (see Consumer Deposit Section)

OTHER SMALL BUSINESS SERVICES

Business Banking Online. Get 24/7 access to view your organization’s prior day, current day and real‐time banking information. It’s the complete tool for managing all your banking transactions quickly and conveniently. Business Bill Pay Online. Business Bill Pay Online is a convenient way to pay your business bills quickly and accurately. Using this service will save you time and help you keep all your accounts in order.

Business Mobile Banking. Manage your business on the go. This time‐saving service allows you or any employees you designate to conduct key business banking functions on the same account securely and conveniently from the web browser of a mobile phone or via downloadable apps available for iPhone®, Android™ smartphone or tablet, and iPad®.

April 2021 Miscellaneous Deposit Account Fees

April 2021 Other Miscellanous Deposit Account Fees

April 2021 Other Ancillary Services – Consumer and Business Deposit Accounts

Consumer Digital Banking: • Create budget and savings goals • Combine your financial accounts into one place • Easily move money to pay bills or transfer funds • Set instant alerts to notify you of account activity • Turn debit and credit cards off or on to prevent unauthorized use

Consumer Mobile Banking: • Mobile Deposit • Quick Glance • Move money with Zelle® • Apple Watch® compatibility • Fingerprint and FaceID Login

Business Banking Online. Get 24/7 access to First Tennessee’s highly secure web server to view your organization’s prior‐day, current‐day, and real‐time banking information. It’s the complete tool for managing all of your banking transactions quickly and conveniently.

Business Bill Pay Online. Business Bill Pay Online is a convenient way to pay your business’ bills quickly and accurately. Using this service will save you time and help you keep all of your accounts in order.

Automatic Savings Service. Just link your checking account to your First Horizon Bank savings account in Digital Banking, then set up a regular transfer. You decide how much and how often.

Overdraft Protection Options for our consumer checking customers With an Overdraft Services Agreement, you can link your checking account to a First Horizon savings account, money market account, credit card or Home Equity Line of Credit.

April 2021 Consumer Credit Card Current Product Suite

First Horizon First Horizon First Horizon First Horizon First Horizon VISA SIGNATURE VISA PLATINUM VISA CLASSIC SECURED VISA STUDENT VISA

Maximum $2,000; funding through Credit Lines Minimum $5,000 Maximum $500 DDA for security

No intro rate or balance transfer Intro rate on Purchases 0% APR for 12 months 0% APR for 12 months 0% APR for 12 months 0% APR for 12 months option

No intro rate or balance transfer Intro rate on Balance Transfers 0% APR for 12 months 0% APR for 12 months 0% APR for 12 months 0% APR for 12 months option

Variable, currently 20.65% APR Rate after intro period on Variable from 14.50% – 19.50% APR Variable from 15.25% – 20.25% APR Variable from 15.25% – 20.25% APR for purchases, no balance Variable; Prime+15.50% Purchases and Balance Transfers transfer option

Rate on Cash Advances Variable, currently 21.00% APR* Variable, currently 21.00% APR* Variable, currently 21.00% APR* Variable, currently 21.00% APR* Variable; Prime+17.50%

4% of each new Balance Transfer 4% of each new Balance Transfer 4% of each new Balance Transfer Balance Transfer Fee but the fee will not be less than but the fee will not be less than $10 but the fee will not be less than $10 N/A N/A $102 per transaction per transaction 4% of each new Cash Advance but 4% of each new Cash Advance but 4% of each new Cash Advance but 4% of each new Cash Advance but 4% of each new Cash Advance but Cash Advance Fee the fee will not be less than $10 per the fee will not be less than $10 per the fee will not be less than $10 per the fee will not be less than $10 per the fee will not be less than $10 per transaction transaction transaction transaction transaction Late Payment Fee Up to $35 Up to $35 Up to $35 Up to $35 Up to $35 OverLimit Fee $0 $0 $0 $0 $0 Return Payment Fee Up to $35 Up to $35 Up to $35 Up to $35 Up to $35 3% of each transaction converted 3% of each transaction converted 3% of each transaction converted 3% of each transaction converted to Foreign Transaction Fee None to U.S. dollars to U.S. dollars to U.S. dollars U.S. dollars Additional Card Fee None None Annual Fee $0.00 $0.00 $0.00 $0.00 $0.00

2 Points for Every Dollar Spent at restaurants and gas stations; 1 Rewards Point for all other transactions. NA NA NA NA Redeem for Travel, Shopping, Gift Cards, Siganture Experiences

N/A First Horizon Bank Cash RewardsSM REWARDS (have Travel Program but was N/A N/A N/A Vendor: Breakaway sunset several years ago)

Concierge Customer Service X N/A N/A N/A N/A

Travel and Emergency Assistance X X N/A N/A N/A

Auto Rental Insurance X X N/A N/A N/A

Link to Checking for overdraft X X X N/A N/A protection

Compatible with Apple Pay® X X X X X

Purchase Security X X N/A N/A N/A

Cell Phone Protection N/A N/A N/A N/A N/A Replacement

Visa Zero Liability X X X N/A N/A

Auto Rental Collision Damage X N/A N/A N/A N/A Waiver and Roadside Dispatch

Lost Luggage Reimbursement N/A N/A N/A N/A N/A

April 2021

Debit Card Products

April 2021

April 2021 Consumer Borrowing Solutions BORROWING FOR TODAY’S NEEDS AND TOMORROW’S DREAMS

AUTO LOANS

Product Features

 Choose from a variety of repayment periods  Highly competitive rates Product Benefits

 Fast approval decisions  Discounts for deposit customers with auto debit payments  Dependable service from a financial institution you can trust If you're already a Digital Banking user, you can apply online.

PERSONAL INSTALLMENT LOANS Whether you plan to purchase a new car, a boat or household items, we can help you design an installment loan that fits your needs.

Product Features

 Flexible terms  Competitive rates based on your collateral Product Benefits

 Choose your monthly payment due date  Pay via automatic debit or monthly billing statement Ready to get started? Call us at 800‐416‐6083 to speak with First Horizon representative today.

April 2021

Products, Services, Fees For IBERIABANK, a division of First Horizon Bank, Banking Centers

All States (Summary details on each product – see the chart section):

Checking High Interest Checking – interest checking Freedom Checking – non-interest checking Health Savings Account (HSA) – a checking account for high deductible insurance plans HUDHAP Checking- account is used to facilitate the mortgage payments for clients who receive HUD Choice Section 8 Vouchers for homeownership Ability Banking - A safe and low-cost checkless, entry-level account specifically for individuals who previously would have been declined for any checking account with IBERIABANK, for the purpose of providing access to banking products and hands-on financial education in the communities we serve. (2017-2018 and 2019-2020 National BankOn Certified Account)

Savings & Money Markets Elite Money Market - a premium money market account (new funds only) offering highly competitive interest rates Dedicated Money Market – a competitive money market account for clients who do not qualify for the promotional money market product IRA Money Market- a starter IRA money market with no minimum balance and no service fee Statement Savings – earns interest on balances of $.01 or more Minors (17 years or younger) as primary on the savings account will not incur a monthly service fee Certificates Of Deposit – terms range from 30 days to 60 months Individual Retirement Accounts (IRA) – terms range from 6 months to 60 months IDA Savings- special savings accounts offered through agreements with non-profit agencies to select low and moderate income clients. Participants set a savings goal with the IDA program sponsor and are not allowed to withdraw from the account until that goal is reached. The following markets offer this product - New Orleans (select branches only), Birmingham AL, Memphis TN, Dallas TX, Houston, TX, Sarasota FL and Naples FL.

Ancillary Services available to consumers ATM and Debit Cards Automatic Funds Transfer Combined Statements Deposit to Deposit Transfer Service (in the event of an overdraft on the client’s checking account, the client may use their available funds in another liquid deposit account to transfer funds automatically) Direct Deposit Night Depository Safety Deposit Boxes Mobile Banking External Bank to Bank Transfers Foreign Currency Exchange

Delivery Channels Branch locations in ten states Automatic Teller Machines locations in eight states Online Banking – secured banking available at www.iberiabank.com Online Banking Bill Pay – secured banking available at www.iberiabank.com Online Banking e-Statements & e-Notices – secure delivery of statements and/or notices available through online banking Online Account Opening – secure web site to open accounts Mobile Banking Voice Response System – telephone banking

Updated 03.11.2021 Deposit Product Team CONSUMER CHECKING (Individuals) HIGH INTEREST CHECKING FREEDOM CHECKING ABILITY BANKING (2017-2018 & 2019-2020 National BankOn Certified Account) Designed for A safe and low-cost checkless, entry-level account specifically for individuals who previously would have been declined for any checking High End Clients that maintain multiple checking, savings and/or money Enjoy Online Banking with free Online Bill Pay and e-Statements. Plus, account with IBERIABANK, for the purpose of providing access to markets accounts. convenient ways to waive the monthly service charge. banking products and hands-on financial education in the communities we serve. Min deposit to open acct $100 $50 $25

• Maintain an average collected balance of $5,000 each monthly •Maintain a daily minimum balance of $1,000 or more in this ckg acct, or  Monthly service charge cannot be waived statement cycle OR • Combined monthly direct deposits of $500 or more; •Maintain a combined average collected balance of $25,000 or more per • You are a student enrolled for e-Statements and less than age 24; Easy ways to avoid the monthly service statement cycle in total deposit balances – including CD’s OR charge • Or, you are a Small Business owner and have an IBERIABANK small •Maintain an outstanding principal balance of $25,000 in your personal business checking account* loan accounts OR • Or, you are a Small Business owner and have an IBERIABANK small business checking account*

Transaction limitations Unlimited Unlimited Check-writing is not allowed Yes, paid monthly Earns Interest (If acct is closed before interest is credited, you will not No No receive the accrued interest)

Minimum balance to earn interest $5,000 or greater N/A N/A

Debit Card Complimentary Complimentary Complimentary Online Banking & Bill Pay Complimentary Complimentary Complimentary

$5.00 Flat Fee with e-Statements Service fee ~ monthly $20.00 $8.00 e-statements/$10 paper statements $7.00 Flat Fee with paper statements

Special features No charge for select check styles Charge depends on check style When ChexSystems identifies certain criteria, clients who are not Safe Deposit Box, no charge for the first year; 50% discount for each year Check images returned in statement approved for a Freedom or High Interest Checking Account will be eligible thereafter with auto draft ONLY for Ability Banking.

Receive up to $15 in foreign ATM surcharge credits per monthly This account helps avoid overdrafts in most but not all situations. statement when a non-IBERIABANK ATM is used IB foreign ATM transaction fee waived

Overdraft Protection Options*: Deposit to Deposit: Automatically transfers the deposit amount necessary to protect your personal accounts; no daily transfer fee and no annual fee for this service Line of Credit: Use your personal line of credit as overdraft protection for this account and no annual fee applies to the personal line of credit

Disclosure – Monthly refers to statement cycle and any day during the cycle.

Member FDIC CONSUMER MONEY MARKET & SAVINGS (Individuals)

ELITE MONEY MARKET DEDICATED MONEY MARKET STATEMENT SAVINGS HEALTH SAVINGS ACCOUNT

Designed for those who Want a premium money market account (new funds Want a competitive money market option but who do not Want to build their savings without locking in funds Have high deductible health plans. Individuals can use only) offering highly competitive interest rates have the necessary new money to qualify for the special the money they save in an H.S.A. to pay for medical marketed product expenses incurred.

Client Type Individual (consumers) Individuals (consumers) Individual (consumers) Individual (consumers)

Min deposit to open acct $10,000 $100 $50 $50

Balance to avoid service fee $10,000 $5,000 $200 $1,000

Unlimited withdrawals if made through ATM, in-person, Unlimited withdrawals if made through ATM, in-person, No withdrawal limits imposed by the bank. IRS limits the by mail or messenger by mail or messenger 4 withdrawals per calendar month account to qualified medical purchases. Transaction limitations Permitted: 6 pre-authorized withdrawals per calendar Permitted: 6 pre-authorized withdrawals per calendar Regulation D applies month; including third-party checks month; including third-party checks Yes, paid monthly Yes, paid monthly Yes, paid quarterly Yes, paid monthly Earns interest (If acct is closed before interest is credited, you will (If acct is closed before interest is credited, you will (If acct is closed before interest is credited, you will receive the accrued interest) receive the accrued interest) receive the accrued interest) Minimum balance to earn $0.01 $0.01 $ 0.01 $ 0.01 interest Service fee ~ monthly $20 if balance falls below minimum $15 if balance falls below minimum $5.00 if balance falls below minimum $2.50 if balance falls below minimum Set Up Fee (covers first order of checks) $15.00 fee for each item over 6 transfers, withdrawals or $15.00 fee for each item over 6 transfers, withdrawals or $3.00 fee for each withdrawal Other Fees Consumer: $15.00 third party checks third party checks after 4 per calendar month Wholesale: $25.00 Account must follow Regulation D for excessive Account must follow Regulation D for excessive Account must follow Regulation D for excessive Cannot link account to Deposit- to-Deposit Overdraft Other Limitations withdrawal limitations withdrawal limitations withdrawal limitations Protection

Monthly statement Monthly statement Quarterly statement Monthly statement

No Regulation D monitoring

Disclosure – Monthly refers to statement cycle and any day during the cycle.

Member FDIC SMALL BUSINESS & COMMERCIAL CHECKING FREE BUSINESS CHECKING BUSINESS CHECKING PLUS BUSINESS INTEREST CHECKING PREFERRED BUSINESS CHECKING Designed for Ideal for most small businesses Ideal for businesses with cash deposits that exceed This account is perfect for clients seeking a competitive Larger Small Business client with less than 500 total $10,000 or process more than 500 items per statement interest rate on their business checking account transactions per month and up to 3 accounts who need cycle basic cash management and have 30 employees or less Client type Commercial, Small Business Commercial, Small Business Small Business & Non-Profits Small Business & Non-Profits May not be combined with any other analysis products Min deposit to open acct $100 $100 $100 $100 N/A Balance to avoid service fee N/A Minimum Daily Balance of $10,000 N/A

Transactions Allowed 500 transaction items per statement cycle * 500 transaction items per statement cycle 300 transaction items per statement cycle Package allows 500 combined transactions per cycle

Transaction fees N/A $0.50 for each item after 500 $0.50 for each item after 300

Earns Interest No No Yes, paid monthly* No Minimum balance to earn N/A N/A $10,000 N/A interest

Business Debit card No Monthly or Annual Fees No Monthly or Annual Fees No Monthly or Annual Fees

Enhanced IBERIABANK BusinessConnect℠ Online Online Banking* Complimentary Online Banking* Complimentary Online Banking* Complimentary Online Banking* Banking Service. Add-on options for BusinessConnect℠ Bill Pay* Bill Pay* Bill Pay* Bill Pay* include: ACH, Bill Pay, Wire Transfer and Reverse Positive Pay Service fee None None $10.00 $0 (up to three Preferred Business Checking Accounts) Negative Uncollected Applies Applies Applies Applies Balance fee Up to $10,000 currency deposited per statement cycle is Cash Deposited / The first $10,000 per statement cycle is complimentary; The first $10,000 per statement cycle is complimentary; $10,000 cash deposited per statement cycle* complimentary; thereafter, a $2.00 fee will be assessed per Exchanged thereafter, a $2.00 fee will be assessed per $1,000 thereafter, a $2.00 fee will be assessed per $1,000 $1,000 Check & Credit Images Yes Yes Yes Yes returned Includes up to three Preferred Business Checking accounts Client purchases checks Client purchases checks Product requires pre-approval from the BSA and Reduced prices for Treasury Management services: Other Monthly service charge is waived on 2 personal checking Monthly service charge is waived on 2 personal checking Management Remote Deposit Capture, ACH Debit Block and ACH Filter. accounts for business owner. accounts for business owner Monthly service charge is waived on 2 personal checking accounts for business owner. Free Business Checking and free personal checking provide no-cost maintenance and account activity; incidentals on the accounts, such as check purchases, stop payments, etc., are not free. Any Free Business Checking account exceeding stated transaction limits or cash deposited/exchanged limits during any two statement cycles in a 12-month period may automatically be converted to Business Checking Plus. Public Fund, Brokerage or Institutional entities and IBERIABANK Corporation associates with businesses are not eligible for this offer. For accounts converted to Business Checking Plus, the additional per item fee is $0.50 per item and the additional currency deposited fee is $2.00 per additional $1,000. Free Online Bill Pay Service is intended for use by small business clients with annual sales less than $10 million. Commercial accounts must review online services with a Relationship Banker for a quote. Please refer to the Rate and Fee Schedule for more information. Rates and fees are subject to change. Combined minimum balances during the monthly statement cycle include all savings, money market and demand deposit accounts held at IBERIABANK under the same business tax identification number.

Member FDIC SMALL BUSINESS & COMMERCIAL CHECKING Continued IOLTA / IOTA (IOTA only in Florida) CM CKG ANALYSIS/CM INT ANALYSIS ASSOCIATION CHECKING NO INTEREST (Florida only) Designed for Law Firms and Attorneys that want to contribute the interest earned on the Large companies with complex banking service needs. Account opened Designed as an operating account for the Non-Profit Property account to the state bar association with approval from Treasury Management Management and Homeowner Associations located in Florida.

Client type Law firms & attorneys Commercial, Small Business, Non-Profits & Public Fund Homeowner Associations Min deposit to open acct $100 $100 $100

Balance to avoid service fee N/A N/A N/A

Transaction limitations Unlimited Unlimited Unlimited

No fees charged to IOLTA; however, wire/stop pay/NSF fees may be Fees for all items processed Transaction fees N/A charged to Attorney’s operating account A Treasury Mgmt service

Earns Interest Yes, paid monthly* Two versions: one that pays interest and one that does not No $1,500 (AL & NC) Minimum balance to earn interest $10,000 (FL only) N/A N/A $.01 (All other states)

Business Debit card Debit card is not issued No Monthly or Annual Fees Debit card is not issued

Online Banking* Complimentary Online Banking* View access only to Online Banking A Treasury Mgmt service Bill Pay* Bill Pay* Service fee None A Treasury Mgmt service None Negative Uncollected Balance fee No charge Applies Applies The first $10,000 per statement cycle is complimentary; thereafter, a $2.00 Currency Deposited / Exchanged No charge Fee Applies fee will be assessed per $1,000 Check & Credit Images returned Yes Yes Yes

Interest earned is paid to state Bar Foundation Other Client purchases checks Client purchases checks Operating account at IBERIABANK is required

Free Business Checking and free personal checking provide no-cost maintenance and account activity; incidentals on the accounts, such as check purchases, stop payments, etc., are not free. Any Free Business Checking account exceeding stated transaction limits or cash deposited/exchanged limits during any two statement cycles in a 12-month period may automatically be converted to Business Checking Plus. Public Fund, Brokerage or Institutional entities and IBERIABANK Corporation associates with businesses are not eligible for this offer. For accounts converted to Business Checking Plus, the additional per item fee is $0.50 per item and the additional currency deposited fee is $2.00 per additional $1,000. Free Online Bill Pay Service is intended for use by small business clients with annual sales less than $10 million. Commercial accounts must review online services with a Relationship Banker for a quote. Please refer to the Rate and Fee Schedule for more information. Rates and fees are subject to change.

Member FDIC COMMERCIAL & SMALL BUSINESS MONEY MARKET & SAVINGS

ASSOCIATION PRIORITY INVESTMENT ELITE MONEY MARKET DEDICATED MONEY MARKET STATEMENT SAVINGS BUSINESS (FL, SC, NC, NY only)

Designed for those who Want a premium money market account (new funds Want a competitive money market option but who do Want to build their savings without locking in funds Non-Profit Property Management and Homeowner only) offering highly competitive interest rates not have the necessary new money to qualify for the Associations located in Florida. special marketed product

Commercial, Small Business & Commercial, Small Business & Homeowner Associations Client Type Commercial, Small Business & Non-Profits Non-Profits Non-Profits $2,500 Min deposit to open acct $10,000 $100 $50

Balance to avoid service fee $10,000 $5,000 $200

Service fee ~ monthly $20 if balance falls below minimum $15 if balance falls below minimum $5.00 if balance falls below minimum

Account must follow Regulation D for excessive Account must follow Regulation D for excessive Account must follow Regulation D for excessive withdrawal limitations withdrawal limitations withdrawal limitations

Unlimited withdrawals if made through ATM, in-person, 4 withdrawals per calendar month Unlimited withdrawals if made through ATM, in-person, by mail or messenger Transaction limitations by mail or messenger 30 deposited items – no charge; Permitted: 6 pre-authorized withdrawals per calendar thereafter $0.10 each Permitted: 6 pre-authorized withdrawals per calendar month; including third-party checks

month; including third-party checks

30 deposited items – no charge; 30 deposited items – no charge; Deposit limitations thereafter $0.10 each thereafter $0.10 each None (does not include deposit ticket) (does not include deposit ticket)

Yes, paid monthly Yes, paid quarterly Yes, paid monthly

Earns interest (If acct is closed before interest is credited, you will (If acct is closed before interest is credited, you will (If acct is closed before interest is credited, you will not receive the accrued interest) receive the accrued interest) receive the accrued interest)

Minimum balance to earn interest $0.01 $0.01 $ 0.01 15.00 fee for each item over 6 transfers, withdrawals or $3.00 fee for each withdrawal Other Fees $15.00 fee for each item over 6 transfers, withdrawals $15.00 fee for each item over 6 transfers, withdrawals third-party checks. or third party checks or third party checks after 4 per calendar month

Monthly statement Monthly statement Statement Frequency Quarterly statement

Member FDIC

SUMMARY CHART – Certificates of Deposit

Standard (Core) CD / IRAs terms, opening balances and penalties… Specials and Bump CD / IRA opening balances (varies during various promotions) and penalties…

Standard CD/IRA Penalty for early Specials or Bump CD/IRAs Min to Specials or Bump CD/IRA Penalty for early Term Buckets Standard CD Minimum to Open withdrawal Open withdrawal 30 Days CD $1,000 CD 100% of interest $1,000 or as advertised 100% of interest 60 Days CD $1,000 CD 100% of interest $1,000 or as advertised 100% of interest 3 – 5 M CD $1,000 CD 100% of interest $1,000 or as advertised 100% of interest Standard CD & IRAs Minimum Standard CD/IRA Penalty for early Specials or Bump CD/IRAs Min to Specials or Bump CD/IRA Penalty for early Term Buckets to Open withdrawal Open withdrawal 6 – 11 M $1,000 100% of interest $1,000 or as advertised 100% of interest 12 ‐ 17 M $1,000 1% of amount withdrawn $1,000 or as advertised 1% of amount withdrawn 18 – 23 M $1,000 1% of amount withdrawn $1,000 or as advertised 1% of amount withdrawn 24 – 35 M $1,000 2% of amount withdrawn $1,000 or as advertised 2% of amount withdrawn 24 M Bump $1,000 2% of amount withdrawn $1,000 or as advertised 2% of amount withdrawn 36 – 47 M $1,000 2% of amount withdrawn $1,000 or as advertised 2% of amount withdrawn 48 – 59 M $1,000 2% of amount withdrawn $1,000 or as advertised 2% of amount withdrawn >= 60 M $1,000 2% of amount withdrawn $1,000 or as advertised 2% of amount withdrawn

All CDs and IRAs – with an early withdrawal within 6 days of opening deposit will impose penalty for early withdrawal equal to 7 days interest penalty on the amount withdrawn

Rate Sheets will display current Minimum to Open Balances on Specials

Member FDIC

Miscellaneous Fees – Business and Posting Order ACH/Government Reclamation $10.00 / item ATM Foreign Usage Fee (Non‐IBERIABANK ATM or its non‐affiliated networks) $2.00 / transaction ATM/Debit Card Replacement $5.00 / card ATM/Debit Card Expedited Replacement $25.00 each Bill Pay – (Clients exceeding 25 items will be converted to a commercial product) Free – limited to 25 bills per month Collection Items Collection Fee – Domestic <=$100 $7.50 Collection Fee – Domestic >$100 $15.00 Collection Fee ‐ International $35.00 Coin & Currency Coin & Currency Deposited ‐ After the first $10,000 per statement cycle (Choice Business CK, Business Interest CK, Business Checking Plus, Advanced Business Checking) $2.00 per $1,000 Coin & Currency Deposited (Commercial Analysis) $1.50 per $1,000 Bulk Coin Deposited $3.00 / bag Currency Furnished $0.50 / strap Coins Furnished $0.15 / roll Copies (includes check copies) and Faxes $2.00 / page Counter Checks $1.00 for 4 checks Deposit Assessment Fee (Commercial Analysis Accounts Only) .010% on daily average ledger balance Deposit Correction $3.00 each Deposit to Deposit Overdraft Protection Transfers $10.00 / day Dormant Account (applies to dormant account balances less than $100 per month) $5.00 / month (not applicable in Texas) Foreign Currency Exchange (additional fees may apply) $300 or more $10.00 / transaction Less than $300 $20.00 / transaction Legal Process $75.00 / event Money Bag Varies Medallion Stamp Guarantee (where available) $15.00 Money Market Account Excessive Transaction Fee $15.00 / item Negative Collected Balance Fee Prime + 3% on daily average negative collected balance Notary Services May vary by State Official Checks/Cashier Checks $8.00 Overdraft (Paid) Item Fee (applies to overdrafts created by checks, in person withdrawals, ATM withdrawals or other electronic means) $35.00 per item; per presentment Research (one hour minimum) $25.00 / hour Return Item Fee (applies when checks are returned as unpaid) $35.00 per item; per presentment Return Deposited Item $5.00 each Safe Deposit Box – Drilling Fee $150.00 Safe Deposit Box – Replacement Lock Fee $70.00 Special Reject Item $1.00 each Statements Statements Copy $10.00 each Statement Duplicate (complete statement) $10.00 each Statement (Receipt of both paper and e‐Statement) $5.00 per month Statement Instant $5.00 each Statement Reconciliation $20.00 / hour Statement – Simplex Image Printing $2.00 / event Statement Snapshot $10.00 each Stop Payment Fee (applies for 6 month period) $35.00 each Telephone Transfer of Funds (customer service assisted) $5.00 each Verification of Deposit $25.00 each Wires Transactions Wire Transfer ‐ Incoming (Domestic and Foreign) $15.00 each Wire Transfer ‐ Outgoing (Domestic) $25.00 each Wire Transfer – Outgoing (Foreign) – Foreign Currency $40.00 each Wire Transfer – Outgoing (Foreign) – US Currency $50.00 each *** NOT ALL SERVICES ARE AVAILABLE AT ALL LOCATIONS Notice Regarding Posting Order of Items To assist you in handling your account with us, we are providing you with the following information on how we post transactional items to your account. On each bank processing day, deposit and credit items post before debit items. Debit items post upon receipt in the following order: wire transfers, ATM and debit card transactions in authorization time and date order, paper checks in check number order, if available, checks without a check number post in low to high dollar amount order, then all other debit items in low to high dollar amount order. Other debit items include but are not limited to Automated Clearing House (ACH) items, checks converted to ACH by merchants or vendors, telephone and online banking one‐time or recurring transfers, pre‐authorized debits and account withdrawals. At times, certain debit items may not post in the above order due to missing or erroneous data or circumstances beyond our control. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item. Overdraft (Paid) Item Fees and Return Item Fees are disclosed above and are subject to change. We encourage you to keep careful records and practice good account management. This will help you to avoid creating items without sufficient funds and incurring the resulting fees. We offer Deposit‐to‐Deposit Overdraft Protection Transfer Service and Personal Lines of Credit (subject to credit approval) that can be used as overdraft protection on most accounts to avoid Overdraft (Paid) Item Fees and Return Item Fees. Visit our website at www.iberiabank.com to learn more about Preventing and Managing Overdrafts.

Business Fees Revised 5.11.2019

Miscellaneous Fees – Personal and Posting Order ACH/Government Reclamation $10.00 / item ATM Foreign Usage Fee (Non‐IBERIABANK ATM or its non‐affiliate networks) $2.00 / transaction ATM/Debit Card Replacement $5.00 / card ATM/Debit Card Expedited Replacement $25.00 each Bill Pay – (Clients exceeding 25 items will be converted to a commercial product) Free – limited to 25 bills per month Collection Items Collection Fee – Domestic <=$100 $7.50 Collection Fee – Domestic >$100 $15.00 Collection Fee ‐ International $35.00 Copies (includes check copies) and Faxes $2.00 / page Counter Checks $1.00 for 4 checks Deposit Correction $3.00 each Deposit to Deposit Overdraft Protection Transfers $10.00 / day Dormant Account (applies to dormant account balances less than $100 per month) $5.00 / month Foreign Currency Exchange (additional fees may apply) $300 or more $10.00 / transaction Less than $300 $20.00 / transaction Legal Process $75.00 / event Medallion Stamp Guarantee (where available) $15.00 Money Bag Varies Money Market Account Excessive Transaction Fee $15.00/item Notary Services May vary by State Official Checks/Cashier Checks $8.00 Overdraft (Paid) Item Fee (applies to overdrafts created by checks, in person withdrawals, ATM $35.00 per item; per presentment withdrawals or other electronic means) Research (one hour minimum) $25.00 / hour Return Item Fee (applies when checks are returned as unpaid) $35.00 per item; per presentment Return Deposited Item $5.00 each Safe Deposit Box – Drilling Fee $150.00 Safe Deposit Box – Replacement Lock Fee $70.00 Special Reject Item $1.00 each Statements Statement Copy $10.00 each Statement Duplicate (complete statement) $10.00 each Statement (Receipt of both paper and e‐Statement) $5.00 per month Statement Instant $5.00 each Statement Reconciliation $20.00 / hour Statement – Simplex Image Printing $2.00 / event Statement Snapshot $10.00 each Stop Payment Fee (applies for 6 month period) $35.00 each Telephone Transfer of Funds (customer service assisted) $5.00 each Verification of Deposit $25.00 each Wires Transactions Wire Transfer ‐ Incoming (Domestic and Foreign) $15.00 each Wire Transfer ‐ Outgoing (Domestic) $25.00 each Wire Transfer – Outgoing (Foreign) – Foreign Currency $40.00 each Wire Transfer – Outgoing (Foreign) – US Currency $50.00 each *** NOT ALL SERVICES ARE AVAILABLE AT ALL LOCATIONS

Notice Regarding Posting Order of Items To assist you in handling your account with us, we are providing you with the following information on how we post transactional items to your account. On each bank processing day, deposit and credit items post before debit items. Debit items post upon receipt in the following order: wire transfers, ATM and debit card transactions in authorization time and date order, paper checks in check number order, if available, checks without a check number post in low to high dollar amount order, then all other debit items in low to high dollar amount order. Other debit items include but are not limited to Automated Clearing House (ACH) items, checks converted to ACH by merchants or vendors, telephone and online banking one‐time or recurring transfers, pre‐authorized debits and account withdrawals. At times, certain debit items may not post in the above order due to missing or erroneous data or circumstances beyond our control. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item. Overdraft (Paid) Item Fees and Return Item Fees are disclosed above and are subject to change. We encourage you to keep careful records and practice good account management. This will help you to avoid creating items without sufficient funds and incurring the resulting fees. We offer Deposit‐to‐Deposit Overdraft Protection Transfer Service and Personal Lines of Credit (subject to credit approval) that can be used as overdraft protection on most accounts to avoid Overdraft (Paid) Item Fees and Return Item Fees. Visit our website at www.iberiabank.com to learn more about Preventing and Managing Overdrafts.

Personal Fees and Posting Order Revised 5.11.2019 Overdraft Services Information It is important for you to use your checking account responsibly and to never intentionally overdraw your account. However, we realize that financial shortfalls happen from time to time and we have options available for you. As a benefit to our clients, we offer these useful services to cover you in the event that you inadvertently overdraw your checking account. The various forms of Overdraft Services that we offer are listed below and if you choose to have more than one of these associated with your account then they will be utilized in the order that they are listed below.

Overdraft Services Options: IBERIABANK offers several options to protect your account from overdraft situations: Deposit to Deposit OD Transfer Service, Line of Credit, and Overdraft Privilege.

Deposit to Deposit Overdraft Line of Credit Overdraft Privilege (OD) Transfer Service Description If you have other checking, A Line of Credit can be attached With Overdraft Privilege we will strive to pay your savings or money market to your checking account to overdraft items; however, whether your overdrafts accounts with us, you can cover overdrafts. This service will be paid is discretionary and we reserve the right authorize us to link those requires you to complete an not to pay. Our decision to pay or return an item accounts to your checking application. The amount of the drawn on insufficient funds will be based on your account to cover overdrafts. Line of Credit is based on your overdraft limit and account activity. For example, This works by transferring credit worthiness. Subject to we typically do not pay overdrafts if your account is the funds needed to cover approval, including credit not in good standing, or you are not making regular your overdraft. Savings and approval. deposits, or you have too many overdrafts. money market transaction Many factors influence your Overdraft Privilege limitations apply. limit. It is based on but not limited to the following criteria: age of account, number of deposits, dollar amount of deposits, repayment patterns and deposit patterns. Overdraft limit is subject to change daily. Benefits & Funds automatically transfer Coverage for overdrafts up to If we honor items drawn against your Overdraft Fees from a secondary account to your credit limit. Ability to pay Privilege limit, you may avoid the inconvenience primary checking (up to the back over time and expense associated with the merchant’s available balance in your returned check fee. Line of Credit fees vary based secondary account) to cover on the product selected* You will be charged an Overdraft Paid Item Fee of an overdraft. $35 for each item that is paid into overdraft, up to a Consumer Line of Credit: $10 Daily Transfer Fee maximum of six (6) NSF fees (for paid and/or No per item transfer fee applies Applies* returned items, combined) per day on consumer Business Line of Credit: accounts. No Overdraft Paid Item Fee will be Per item transfer fee applies assessed if at the end of the business day, your account is overdrawn by $5 or less after all transactions have posted. Overdraft Return Item Fee of $35 applies when transactions are returned as unpaid. Eligibility No application is required. Application and approval Overdraft Privilege service is a discretionary deposit You must have other for a linked Line of Credit service available at the sole discretion of checking, savings or money IBERIABANK. No application is required and market accounts with us to eligibility is available to clients whose accounts are link to your checking account maintained in a responsible manner. Account types to cover overdrafts. that are not eligible for Overdraft Privilege are Savings and IOLTA accounts. How to Sign Complete the authorization Apply for a Line of Credit at You do not need to opt‐in for coverage of certain Up request at any time to link account opening, online, in transactions (see Transaction Covered below). If accounts. This can be done person at your nearest branch, you would like IBERIABANK to cover ATM and at account opening. or by contacting our Direct normal, everyday debit card (point‐of‐sale) Bank Center at 888‐777‐7145. transactions, you need to opt‐in for the service. You The Line of Credit is a credit may do so at account opening, through Online product subject to fees, Banking, in person at your nearest branch or by interest charges, and approval, contacting Customer Service at 800‐682‐3231. including credit approval.

Overdraft Services Information Revised 09.01.2020 Transactions Deposit to Deposit transfer Line of Credit transfer will By default, Overdraft Privilege will allow the bank to Covered will cover any type of item, cover any type of item, up to cover items such as: up to the balance of the the limit of the Line of Credit. . Checks and other debits cashed at teller windows deposit account. . Checks issued to a third party . Electronic drafts (ACH items) . Recurring debit card transactions, e.g., automatic bill pay authorized using your debit card And if you opt‐in, the bank will cover items such as: . ATM transactions . One‐time debit card (point‐of‐sale) transactions Repayment N/A Repayment of funds as If we elect to pay an overdraft item, you must of Funds required by the Line of Credit deposit additional funds into your account promptly agreement. in an amount sufficient to cover the overdraft and any related fees. If, after 60 days, your account has not been brought to a positive balance, we will close your account and take the necessary steps to recover funds. * Multiple fees may be incurred when the Deposit to Deposit OD Transfer Service and/or linked Line of Credit is utilized to fund an overdraft item if funds transferred are not sufficient to cover the full amount and/or all items. An Overdraft Return Item fee of $35 per item/per presentment may be charged.

Frequently Asked Questions:

How soon can I use my Overdraft Services? Deposit to Deposit Overdraft (OD) Transfer Service – After you have completed and returned the authorization request, generally this service is available for use within 3 business days. Line of Credit – After you have signed your Line of Credit documents and requested the line to be linked to your deposit account, generally this service is available for use within 7 business days. Overdraft Privilege – If you are a new active account holder, generally, you will have use of the Overdraft Privilege 60 days after the account is opened.

If I have more than one Overdraft Service, how do they work together? If you have all these services ‐ Deposit‐to‐Deposit Overdraft Protection Transfer is utilized first, then your Line of Credit is activated. When each of these is exhausted, then Overdraft Privilege will activate. If I do not want Overdraft Privilege, how do I opt out? You may call Customer Service at 800‐682‐3231 or visit any convenient location to have the service removed from one or more of your checking accounts. It is important for you to consider that there is no additional cost for Overdraft Privilege and that by opting out you are instructing us to return unpaid all items presented against insufficient funds. If you opt out, you will be charged an Overdraft (Return) Item Fee, per presentment, in case of insufficient funds. Clients who receive a Social Security, federal direct deposit, or any other entitlement benefit must opt out if they do not want the Bank to apply those funds to pay an overdraft. What is the Posting Order of Items? To assist you in handling your account with us, we are providing you with the following information on how we post transactional items to your account. On each bank processing day, deposit and credit items post before debit items. Debit items post upon receipt in the following order: wire transfers, ATM and debit card transactions in authorization time and date order, paper checks in check number order, if available, checks without a check number post in low to high dollar amount order, then all other debit items in low to high dollar amount order. Other debit items include but are not limited to Automated Clearing House (ACH) items, checks converted to ACH by merchants or vendors, telephone and online banking one‐time or recurring transfers, pre‐authorized debits and account withdrawals. At times, certain debit items may not post in the above order due to missing or erroneous data or circumstances beyond our control. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item. Overdraft (Paid or Return) Item Fees are disclosed in the Miscellaneous Fee Schedule provided. The Miscellaneous Fees Schedule is subject to change. We encourage you to keep careful records and practice good account management. This will help you to avoid creating items without sufficient funds and incurring the resulting fees.

Financial Education ‐ IBERIABANK believes that financial literacy and education helps consumers make informed decisions. Heightened awareness of personal financial responsibility helps consumers realize the benefits of responsible money management, understanding the credit process and the availability of help if problems occur. www.MyMoney.gov is the federal government's website that serves as the one‐stop shop for federal financial literacy and education programs, grants and other information. To request a personal financial toolkit, call 1‐888‐MyMoney.

Additional questions? If you have additional questions or would like more information, call or come by any of our branch locations today. Overdraft Services Information Revised 09.01.2020

Mortgage Products for First Horizon Bank And IBERIABANK, a division of First Horizon Bank

IBERIABANK Mortgage Products

CRA / AFFORDABLE HOUSING PROGRAMS CRA Home Start 30 Fixed * HomeReady 30 Yr Fixed CRA HomeReady 30 Yr Fixed * HomePossible 30 Yr Fixed CRA HomePossible Advantage 30 Yr Fixed*

IBERIABANK’s DOWN PAYMENT ASSISTANCE PROGRAMS Subsidy Program * First Responder Program *

PARTNERSHIPS WITH AFFORDABLE HOUSING PROGRAMS Alabama Housing Finance Authority Tennessee Housing Development Agency Arkansas Development Housing Authority Florida Housing Finance Corporation Louisiana Housing Corporation Texas State Affordable Housing Corporation

CONFORMING Conforming 30, 25, 20, 15, 10 Yr Fixed Conforming 5/1 ARM Conforming High Balance 30, 15 Yr Fixed Conforming 7/1 ARM Super Conforming 30, 25, 20, 15, 10 Fixed Conforming 10/1 ARM High Balance 30, 25, 20, 15, 10 Fixed Conforming Relief Refinance 30, 20 Yr Fixed HomeStyle 30 Yr Fixed Conforming High LTV 30, 25, 20, 15, 10 Yr Fixed Professional 30 Yr Fixed Rate

GOVERNMENT FHA Fixed Rate 30, 25, 20, 15 Yr FHA Fixed Streamline 30, 25, 20, 15 Yr FHA Fixed High Balance 30, 25, 20, 15 Yr FHA Fixed High Bal Streamline 30, 25, 20, 15 Yr VA 30, 20, 15 Yr Fixed VA 30, 20, 15 Yr Fixed IRRRL VA High Balance 30, 25, 20, 15 Yr Fixed VA IRRRL High Balance 30, 25, 20, 15 Yr Fixed USDA 30 Yr Fixed USDA Streamline Assist 30 Yr Fixed

NON-CONFOMING / JUMBO Non-Conforming Fixed Non-Conforming 5/1 ARM Non-Conforming Interest Only 5/1 ARM Non-Conforming 7/1 ARM Non-Conforming Interest Only 7/1 ARM Non-Conforming 10/1 ARM Non-Conforming Interest Only 10/1 ARM

PORTFOLIO LENDING 1st Mortgage 5 and 7 Yr Balloon * Medical Professional 30 Yr Fixed * 1st Mortgage Interest Only 3, 5, 7, & 10 Yr ARMs * Medical Professional 5, 7 Yr ARMs * 1st Mortgage 15 Yr Fixed * Foreign National 15, 30 Yr Fixed * 1st Mortgage 3, 5, 7, 10 Yr ARMs * Foreign National 3, 5, 7, 10 Yr ARMs * Construction-Perm 5, 7, 10 Yr ARMs *

* Property location within IBERIABANK footprint. IBERIABANK is located in the following states: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, New York, North Carolina, South Carolina, Tennessee, and Texas.

IBERIABANK Mortgage does not lend on properties located outside of the continental United States.

April 2020