**WHITNEY      HOLDING CORPORATION**

**RETIREMENT      RESTORATION PLAN**

**As      Amended and Restated Effective January 1, 2008**

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**WHITNEY      HOLDING CORPORATION**

**RETIREMENT      RESTORATION PLAN**

**TABLE      OF CONTENTS**

| ARTICLE                  I PURPOSE                         | 1                                                                        |
|------------------------------------------------------------|--------------------------------------------------------------------------|
| ARTICLE                  II DEFINITIONS                    | 1                                                                        |
| 2.1                                                        | **Beneficiary**                                                          | 1 |
| 2.2                                                        | **Benefit                  Commencement Date**                           | 1 |
| 2.3                                                        | **Employer**                                                             | 2 |
| 2.4                                                        | **Grandfathered                  Restoration Benefit**                   | 2 |
| 2.5                                                        | **Participant**                                                          | 2 |
| 2.6                                                        | **Plan                  Committee**                                      | 2 |
| 2.7                                                        | **Retirement****Plan**                                                   | 2 |
| 2.8                                                        | **Specified                  Employee**                                  | 2 |
| 2.9                                                        | **Termination                  of Employment**                           | 3 |
| 2.1                                                        | **Other                  Definitions**                                   | 3 |
| ARTICLE                  III ELIGIBILITY AND PARTICIPATION | 3                                                                        |
| 3.1                                                        | **Conditions                  of Eligibility**                           | 3 |
| 3.2                                                        | **No                  Effect on Other Benefits**                         | 3 |
| ARTICLE                  IV RESTORATION BENEFITS           | 3                                                                        |
| 4.1                                                        | **Special                  Definitions**                                 | 3 |
| 4.2                                                        | **Time                  of Payment**                                     | 4 |
| 4.3                                                        | **Amount                  of Restoration Benefit**                       | 4 |
| 4.4                                                        | **Form                  of Restoration Benefit**                         | 5 |
| 4.5                                                        | **Cash                  Out of Small Benefits**                          | 6 |
| 4.6                                                        | **Actuarial                  Assumptions**                               | 6 |
| 4.7                                                        | **Vesting**                                                              | 6 |
| 4.8                                                        | **Participant                  Elections**                               | 6 |
| ARTICLE                  V DEATH BENEFITS                  | 6                                                                        |
| 5.1                                                        | **Special                  Definition**                                  | 6 |
| 5.2                                                        | **Participants                  Death Before Benefit Commencement Date** | 7 |
| 5.3                                                        | **Participant's                  Death After Benefit Commencement Date** | 7 |
| 5.4                                                        | **Single-Sum                  Payment**                                  | 7 |
| ARTICLE                  VI RESTRICTIONS ON PAYMENT        | 8                                                                        |
| 6.1                                                        | **Benefits                  Payable on Termination for Cause**           | 8 |
| 6.2                                                        | **Early                  Payments**                                      | 8 |
| ARTICLE                  VII PLAN ADMINISTRATION           | 8                                                                        |
| 7.1                                                        | **Powers**                                                               | 8 |

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| 7.2                                                | **Payments**                                                         | 9  |
|----------------------------------------------------|----------------------------------------------------------------------|----|
| 7.3                                                | **Delegation                  of Administrative Authority; Experts** | 9  |
| ARTICLE                  VIII PARTICIPANTS' RIGHTS | 9                                                                    |
| 8.1                                                | **Spendthrift                  Provision**                           | 9  |
| 8.2                                                | **Plan                  Not an Employment Agreement**                | 9  |
| 8.3                                                | **Offset**                                                           | 9  |
| 8.4                                                | **Obligation                  for Benefit Payments**                 | 10 |
| 8.5                                                | **Taxes**                                                            | 10 |
| 8.6                                                | **Employer's                  Protection**                           | 10 |
| ARTICLE                  IX MISCELLANEOUS          | 10                                                                   |
| 9.1                                                | **Termination                  of Plan**                             | 10 |
| 9.2                                                | **Funding**                                                          | 11 |
| 9.3                                                | **Inurement**                                                        | 11 |
| 9.4                                                | **Amendments                  and Modifications**                    | 11 |
| 9.5                                                | **Governing                  Law**                                   | 11 |

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**WHITNEY      HOLDING CORPORATION**

**RETIREMENT      RESTORATION PLAN**

**ARTICLE      I**

**PURPOSE**

**ARTICLE      II**

**DEFINITIONS**

**Beneficiary**

**Benefit      Commencement Date**

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**Employer**

**Grandfathered      Restoration Benefit**

**Participant**

**Plan      Committee**

**Retirement      Plan**

**Specified      Employee**

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**Termination      of Employment**

**Other      Definitions**

**ARTICLE      III**

**ELIGIBILITY      AND PARTICIPATION**

**Conditions      of Eligibility**

**No      Effect on Other Benefits**

**ARTICLE      IV**

**RESTORATION      BENEFITS**

**Special      Definitions**

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**Time      of Payment**

**Amount      of Restoration Benefit**

|   | a. | Compensation                shall be determined without regard to the limit imposed under Code                Section                401(a)(17) (or any successor                thereto); |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | No                reduction shall be taken on account of the limitations imposed under                Code                Section 415 (or a successor thereto), including, without limitation,                a                reduction to reflect the annual benefit payable from the Retirement                Plan; |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | No                reduction shall be taken on account of the general test imposed under                Code                Section 401(a)(4) (or a successor thereto);                and |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | d. | Compensation                shall be determined taking into account any amount which a Participant                defers under any plan of deferred compensation maintained by the                Employer,                including, without limitation, the Savings Plus Plan (or any                successor |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | thereto),                any plan maintained under Code Section 125, and the Whitney Holding                Corporation Deferred Compensation Plan (or a successor                thereto). |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**Form      of Restoration Benefit**

|   | a. | Single                Life Annuity - Equal monthly payments for the life of the Participant                with                no period of guaranteed payment. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Term                Certain Annuity - Equal monthly payments for the life of the Participant,                with a period of guaranteed payments designated by the Participant;                provided, however, that the duration of the guaranteed payments shall                not                exceed the number of whole years between such Participant's Benefit                Commencement Date and the date on which he or she attains age                80. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | Joint                and Last Survivor Annuity - Equal monthly benefits payable for the                life of                the Participant and the Participant's Beneficiary, with 66 2/3% of                the                monthly payments made during the lives of the Participant and his                or her                Beneficiary paid to the survivor among                them. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | d. | Joint                and Survivor Annuity - Equal monthly benefits payable for the life                of the                Participant and the Participant's Beneficiary (if he or she survives                the                Participant) with 100% of the amount of the monthly payments made                during                the life of the Participant paid to the Participant's Beneficiary                after                the Participant's death. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | e. | Joint                and Last Survivor Annuity with Guaranteed Payments - Equal monthly                benefits payable for the life of a Participant with 100% of the amount                of                the monthly payment made during the life of the Participant paid                to the                Participant's Beneficiary after the Participant's death, with a guarantee                that such payments be made for 120 months, measured from the Participant's                Benefit Commencement Date. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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**Cash      Out of Small Benefits**

**Actuarial      Assumptions**

**Vesting**

**Participant      Elections**

**ARTICLE      V**

**DEATH      BENEFITS**

**Special      Definition**

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**Participants      Death Before Benefit Commencement Date**

|   | a. | Amount.  The                amount of the Death Benefit payable under this Paragraph 5.2 shall                equal                the Actuarial Equivalent (as defined in the Retirement Plan) of either                (i)                the Participant's Early Retirement Benefit (if he or she dies after                his or                her earliest Early Retirement Date, or (ii) the Participant's Normal                Retirement Benefit, computed as if he or she (1) terminated employment                on                the date of his or her death, (2) was eligible for a Normal Retirement                Benefit, (3) retired with a Qualified Joint and Survivor Annuity                (as                defined in the Retirement Plan) on his or her Normal Retirement Date,                and                (4) died on the date after he or she would have reached his or her                Normal                Retirement Date. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Form.  A                Death Benefit payable under this Paragraph 5.2 shall automatically                be                distributed in the form of the survivor's portion of a Qualified                Joint and                50% Survivor Annuity. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | Time.  The                distribution of a Death Benefit hereunder shall commence as of the                earlier                of (i) the Participant's Benefit Commencement Date, or (ii) the date                on                which the Participant would have attained the earliest Early Retirement                Date determined under the Retirement                Plan. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | d. | Beneficiary.  The                death benefit provided under this Paragraph 5.2 shall be payable                to (i)                the Participant's surviving spouse (if he or she is married on the                date of                his or her death), or (ii) the Participant's Beneficiary (if he or                she is                not married on the date of his or her                death). |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**Participant's      Death After Benefit Commencement Date**

**Single-Sum      Payment**

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**ARTICLE      VI**

**RESTRICTIONS      ON PAYMENT**

**Benefits      Payable on Termination for Cause**

**Early      Payments**

**ARTICLE      VII**

**PLAN      ADMINISTRATION**

**Powers**

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**Payments**

**Delegation      of Administrative Authority; Experts**

**ARTICLE      VIII**

**PARTICIPANTS'      RIGHTS**

**Spendthrift      Provision**

**Plan      Not an Employment Agreement**

**Offset**

----

**Obligation      for Benefit Payments**

**Taxes**

**Employer's      Protection**

**ARTICLE      IX**

**MISCELLANEOUS**

**Termination      of Plan**

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**Funding**

**Inurement**

**Amendments      and Modifications**

**Governing      Law**

|  - 11                - |
|----------------------------------|
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