Home Equity Line of Credit: Normal credit qualifications and other terms and conditions apply. Rates and terms of this offer are subject to change without notice.

*Introductory fixed rate of 2.99% for the first six months of the contract. Thereafter, your APR is a variable rate based on the Wall Street Journal Prime plus a margin that is determined based on your creditworthiness and other credit criteria. An example of a recent margin used is 0.25% and as of 9/1/2012, the Wall Street Journal Prime Rate is 3.25%. Using this example, the effective APR after the introductory rate period ends would be 3.50%. The maximum possible APR on the variable rate line of credit is 21% (18% in TX and FL). Please consult your tax advisor for details regarding deductibility of interest and charges.

For new lines of credit only. The minimum line amount is $10,000. Refinances with less than $10,000 additional credit are excluded from this offer. Subject to a $199 origination fee for lines less than $500,000 or a $750 origination fee for lines equal to or greater than $500,000 and a $50 annual fee (excludes TX). FL Residents – origination fee is $50 for lines under $50,000; $199 for lines $50,000 to $499,999 and $750 for lines $500,000 and greater with a $50 annual fee. Home equity lines of credit are subject to satisfactory appraisal, title search and proof of ownership. Lender may require property insurance. Offer valid for owner-occupied, single-family primary residences, duplex, townhouses and condominiums. The $0 third party closing cost feature is not available on lines of credit with a principal balance of $250,000 or more or on lines of credit requiring the use of outside counsel to close, pursuant to current IBERIABANK lending policy. Some third party closing fees, typically ranging between $0 and $1,300, are waived. Other fees, for example, attorney fees and title insurance (if applicable), will not be waived. These fees typically range between $0 and $12,000, depending upon the circumstances of your line of credit. Local county/parish tax and doc stamp fees may also apply and are not waived. For Orleans Parish, the $325 Documentary Transfer Tax is not waived. Proof of income required for all lines of credit.

The IBERIABANK home equity line of credit allows you to make multiple advances for any amounts and will be available for a 5-year draw. After the draw period has expired, any outstanding balance will be amortized over a 15-year period and will be payable in 180 monthly installments, depending upon the repayment terms and conditions of your line of credit agreement. You have the option of paying more toward principal whenever you choose with no prepayment penalties. Please see an IBERIABANK representative for additional details.

Additional information for TX Residents: Offer valid for primary residences located in the state Texas. The amount of the home equity line of credit for which you may qualify depends upon your annual gross income and available equity in your home. Total encumbrances on a Texas Homestead cannot exceed 80% loan-to-value, and total line of credit commitment cannot exceed 50% of the fair market value of the home. Overdraft protection, credit card and/or debit card access are not available. Please see an IBERIABANK representative for more details on Loan to Value requirements. Texas home equity lines of credit have a draw period of 5 years. The minimum advance amount during the draw period is $4,000. After the draw period has expired, any outstanding balance will be amortized over a 15-year period and will be payable in 180 equal monthly installments, depending upon the repayment terms and conditions of your line of credit agreement. You have the option of paying more toward principal whenever you choose with no prepayment penalties. Please see an IBERIABANK representative for additional details.

Home Equity Term Loan: Normal credit qualifications and other terms and conditions apply. Rates and terms of this offer are subject to change without notice.

*The minimum loan amount is $10,000. Refinances with less than $10,000 additional credit are excluded from this offer. For LA, AR, AL and TN - Subject to a $199 origination fee for loans less than $500,000 or a $750 origination fee for loans equal to or greater than $500,000. FL Residents – origination fee is $50 for loans under $50,000; $199 for loans $50,000 to $499,999 and $750 for loans $500,000 and greater. For Texas: No origination fee. Total encumbrances on a Texas Homestead cannot exceed 80% loan-to-value as required by state law. Home equity loans are subject to satisfactory appraisal, title search and proof of ownership. Lender may require property insurance. Valid for owner-occupied, single-family primary and secondary residences, duplex, townhouses and condominiums. The $0 third party closing cost feature is not available on loans with a principal balance of $250,000 or more or on loans requiring the use of outside counsel to close, pursuant to current IBERIABANK lending policy. Some third party closing fees, typically ranging between $0 and $1,300, are waived. Other fees, for example, attorney fees and title insurance (if applicable), will not be waived. These fees typically range between $0 and $12,000, depending upon the circumstances of your loan. Local county/parish tax and doc stamp fees may also apply and are not waived. For Orleans Parish, the $325 Documentary Transfer Tax is not waived. Proof of income required for all loans. Please consult your tax advisor for details regarding deductibility of interest and charges.

Stated rate is based on a sample home equity loan in the amount of $20,000 with a maximum term of 60 months. Stated rates are valid for a loan in second lien position on an owner occupied primary residence. Other terms and rates are available. Consult your banker for additional details. Rates are subject to change without notice. Payments do not include amounts for taxes and insurance premiums; if applicable the actual payment obligation could be greater.

Example 1: For a loan amount of $20,000 with a $199.00 origination fee paid in cash, the loan would have a 5.16% APR for 60 monthly principal and interest payments with a monthly payment of $375.13.

Example 2: For a loan amount of $20,000 with a $50.00 origination fee paid in cash, the loan would have a 4.85% APR for 60 monthly principal and interest payments with a monthly payment of $375.13.

Example 3 :Texas Residences: For a loan amount of $20,000 with no origination fee, the loan would have a 4.75% APR for 60 monthly principal and interest payments with a monthly payment of $375.13.