b'HANCOCK WHITNEY BANK\nCREDIT CARD ACCOUNT AGREEMENT\n\nWELCOME TO YOUR ACCOUNT\nThis document together with the document entitled \xe2\x80\x9cYour\nAccount Opening Disclosures\xe2\x80\x9d is a contract (the \xe2\x80\x9cAgreement\xe2\x80\x9d)\nbetween you and Hancock Whitney Bank governing the terms\nof your credit card account with us (the \xe2\x80\x9cAccount\xe2\x80\x9d) and each\ncard issued to you or to your authorized user to access the\nAccount (each, a \xe2\x80\x9cCard\xe2\x80\x9d). In this Agreement, the terms \xe2\x80\x9cwe\xe2\x80\x9d,\n\xe2\x80\x9cour\xe2\x80\x9d, and \xe2\x80\x9cus\xe2\x80\x9d mean Hancock Whitney Bank, and \xe2\x80\x9cyou\xe2\x80\x9d,\n\xe2\x80\x9cyour\xe2\x80\x9d, and \xe2\x80\x9cCardmember\xe2\x80\x9d mean each person who applied\nfor or otherwise agreed to be liable for the Account. We have\nagreed to lend you money as described in this Agreement,\nand you promise and agree to pay us back together with all\ninterest charges, fees and other charges assessed on your\nAccount under this Agreement. By using or permitting others\nto use the Account or any Card or by making any payment on\nthe Account, you indicate your acceptance of the terms and\nconditions of this Agreement. Please read this Agreement\ncarefully and keep a copy of it for your records. If you have any\nquestions, you may call us at the phone number listed in the\n\xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below, or on your billing statement\nor the back of your Card.\n\nIMPORTANT DEFINITIONS\n\nPlease review the important terms below. These definitions\nand terms apply to this Agreement and your monthly\nbilling statement. Other terms are defined elsewhere in this\nAgreement. If we use a capitalized term in this Agreement\nbut do not define it in this Agreement, the term refers to the\ncorresponding term used in your billing statement.\nCredit Limit\nThis is the amount we will make available on your Account\nfor your use. We will establish your credit limit, and we may\nestablish different limits for different types of transactions,\nlike purchase or cash advances. You agree not to exceed the\nestablished credit limits. You are responsible for repayment of\nthe total balance of your Account, even if your balance exceeds\nyour credit limits. You promise to pay any part of the balance\nof your Account that exceeds an established credit limit right\naway. We will tell you your credit limits when we send you your\ninitial Card, and your current credit limits will appear on your\nbilling statement. We may change your credit limits or cancel\n\n1\n\n\x0cor restrict your credit availability at any time subject to any\nrequirements or limitations of applicable law. We may, at our\noption, allow your Account to exceed your applicable credit\nlimits, but we have no obligation to you to do so.\nJoint Account\nIf there is more than one Cardmember on the Account, it is a\njoint account, and each of you promise and agree to be jointly\nand severally liable for the payment of all amounts owed to us\non the Account, regardless of which Cardmember or authorized\nuser uses the Account. We may require any of you to pay the\nfull amount owed without looking to anyone else for payment.\nAuthorized Users\nAn authorized user is any person you give your Card to or\nauthorize to use a Card or your Account. You agree to be\nresponsible for any use of your Account by any authorized\nuser or anyone else that you permit to use your Account. If\nyou wish to have an additional card issued in the name of an\nauthorized user, please contact us and we will issue a Card with\nthe name of the authorized user embossed on the card. We\nmay request that you give us certain personal information about\neach authorized user, such as the person\xe2\x80\x99s name, address,\nsocial security number, and date of birth, and you must have\npermission from each authorized user to provide that personal\ninformation to us. If you want an authorized user to stop\nusing your Account, you must notify us, and you must obtain\npossession of any Card, checks or other means of accessing\nyour Account from the authorized user. You will remain liable for\nall transactions on your Account by your authorized user until\nyou recover possession of the Card, checks or other means\nof accessing your Account to our satisfaction. If you wish to\nterminate an authorized user, we may also close your Account\nand open a new Account with a different Account number.\nAnnual Membership Fee\nIf your Account has an annual fee, the amount will appear on\nYour Account Opening Disclosures which accompany your\nCard and this Agreement, and you will be responsible for it\nevery year your Account is open or until your Account is closed\nand paid in full. If your Account has an annual fee, we will add\nyour annual fee to your billing statement once a year, whether\nor not you use your Account.\nAmendments\nWe may change the terms of this Agreement including Annual\nPercentage Rates and fees from time to time. We may also add\nnew terms or delete terms. In addition, we may replace your\nCard with another card at any time. Annual Percentage Rates or\nother terms may also change without amendment, for example\nwhen the Prime Rate changes. See the \xe2\x80\x9cVariable Rates\xe2\x80\x9d section\nfor details. We may change these terms based on changes to\nyour risk profile, such as changes in your patterns of payments,\ntransactions, balances, utilization of this and other accounts\n\n2\n\n\x0cand credit bureau information. We may also change the terms\nfor reasons unrelated to your risk profile such as economic and\nmarket conditions, our business needs or applicable law. We\nwill comply with any notice requirements and other restrictions\nof applicable law that are in effect at that time.\nBilling Cycle\nA billing cycle is the period of time between closing dates for\nmonthly billing statements on your Account.\nClosing Date\nA closing date is the date of the last day of a billing cycle.\nNew Balance\nYour New Balance is the outstanding unpaid balance of your\nAccount on the closing date.\nPrevious Balance\nYour Previous Balance is the outstanding unpaid balance of\nyour Account at the beginning of the billing cycle.\nMonthly Billing Statement\nAt the end of each billing cycle, we will send a monthly billing\nstatement for all accounts with a credit or debit balance. The\nbilling statement includes important information including\n(but not limited to) your New Balance, minimum payment due,\ncredit limit, cash credit limit, transactions since the last billing\nstatement, and any applicable fees and interest charges.\nPayment Due Date\nPayments are due on the payment due date shown on your\nbilling statement. The billing statement also explains when and\nwhere the payment must reach us in order to be considered\nreceived as of that date. Payments are credited as of the date\nof receipt, if the payment is received by the required time at\nthe address shown in the top portion of your billing statement.\nIf the payment due date falls on a weekend or holiday, we will\ntreat any payment received by the required time on our next\nbusiness day at the address designated by us for the payment\non the billing statement as being received by us on the payment\ndue date. If the payment does not conform to these payment\ninstructions, crediting may be delayed and additional charges\nmay be imposed.\nVariable Rates\nYour Account has variable Annual Percentage Rates. We\ncalculate variable Annual Percentage Rates by adding a margin\nto the highest U.S. prime rate published in the Money Rate\nsection of The Wall Street Journal three business days (not\nweekends, or federal holidays) before the billing cycle closing\ndate shown on your billing statement. The Annual Percentage\nRate may increase or decrease each month if the prime rate\nchanges, and any new rate will become effective retroactive\nto the beginning of the billing cycle during which the prime\nrate changed and will apply to that entire billing cycle. If the\nAnnual Percentage Rate increases, you will pay a higher\n\n3\n\n\x0cinterest charge and may pay a higher minimum payment. See\nthe \xe2\x80\x9cInterest Charges\xe2\x80\x9d section below for more details on the\nvariable Annual Percentage Rates and how we calculate interest\ncharges on your Account.\nDefault\nYour Account will be in default if:\n1) You do not pay at least the minimum payment when due;\n2) You exceed your credit limit(s); 3) You fail to comply with\nthis Agreement or any other agreement you have with us; 4)\nWe believe you may be unable or unwilling to pay your debts\non time; 5) You die or become incompetent, imprisoned\nor insolvent or file for bankruptcy; 6) You gave us false or\nmisleading information on your application or at any other\ntime; 7) More than one payment you made was returned to\nus unpaid within a 12 month period; or 8) You or any of your\nproperty become subject to seizure, attachment or garnishment\nproceedings. Our acceptance of any payment on the Account\nafter a default will not be a waiver of the default.\nIf your Account is in default, we may, at our option, suspend or\nterminate your ability to use the Account, close the Account,\nand require you to pay your unpaid balance immediately,\nall without demand or notice to you except as required by\napplicable law. We can also begin collection activities. If\nyou are in default, we may, subject to any applicable legal\nlimitations, require you to pay our collection costs, attorneys\xe2\x80\x99\nfees, court costs, and all other expenses of enforcing our rights\nunder this Agreement, and you agree to pay those costs, fees\nand expenses. Any rights or remedies we have under this\nAgreement are in addition to any rights or remedies we may\nhave under any other agreement with you or under applicable\nlaw, all of which are cumulative.\nBusiness Day\nWhen we use the term Business Day, this generally refers to any\nday in which our normal business operations are conducted.\nThis is generally considered to be Monday through Friday and\nexcludes weekends and may exclude federal holidays.\n\nUSING YOUR ACCOUNT\n\nYou agree to use your Account only for personal, family or\nhousehold purposes. You agree you will not use or permit\nyour Account to be used for illegal purposes, such as illegal\ninternet gambling. We may charge your Account for any illegal\ntransaction, and we will not be liable if you engage in an\nillegal transaction. You may not use your Account to conduct\ntransactions in any country or territory or with any individual or\nentity in violation of any sanctions, restrictions, or prohibitions\nadministered or enforced by the U.S. Department of Treasury\xe2\x80\x99s\nOffice of Foreign Assets Control (OFAC). We will have no liability\nto you for blocking or failing to block any such transactions. We\nwill have no liability for any refusal by any merchant, financial\n\n4\n\n\x0cinstitution, or other person to accept any card. You may use\nyour Account in the following ways:\nPurchases\nYou may use your Account to obtain goods, services, or\nproducts from merchants or businesses that accept your Card.\nWe authorize charges to your Account in accordance with the\nterms of this Agreement.\nBalance Transfers\nIf eligible, you may transfer outstanding balances on other\nloans or accounts that you owe to your Account by using\nconvenience checks, calling us, or using online or digital\ntransfer. You should be careful to monitor and to continue to\nmake required payments on any account you transfer a balance\nfrom until you know that the other creditor has given you credit\nfor the balance transfer. We permit balance transfers from most\nnon-Hancock Whitney accounts. We do not permit balance\ntransfers from other accounts or loans you have with us or with\nany of our related banks or companies.\nCash Advances\nYou may obtain cash advances from automated teller machines\n(\xe2\x80\x9cATMs\xe2\x80\x9d) and banks that accept your Card. We may make only\na portion of your total credit limit available for cash advances.\nThe portion of your credit limit available for cash advances will\nbe further limited by any unpaid cash advances at the time of\nthe transaction. Your credit limits, including the cash credit\nlimit, are shown on your billing statement. Cash advances from\nATMs may be limited as to amount and frequency. For example,\ndollar limits may apply to individual transactions and daily limits\nmay apply to the total amount of cash advances which may\nbe obtained in a single day. Different ATM operators may have\ndifferent transaction limits and may impose additional fees.\nIf the ATM operator charges any fee, that fee will be included\nas part of the total cash advance amount. We have no control\nover any ATM operator or network limits or fees other than\nour own. We treat certain other cash-like transactions as cash\nadvances including purchasing travelers checks, foreigncurrency, money orders, depositing a convenience check into a\npersonal or business account, wire transfers or similar-cash-like\ntransactions; purchasing lottery tickets, casino gaming chips,\nrace track wagers or similar betting transactions; and making a\npayment using a third party service. Unless we say otherwise,\nconvenience checks made payable to cash or to yourself may\nbe treated as a cash advance.\nConvenience Checks\nConvenience checks may be offered periodically as an\nadditional means to access the credit on your Account. We\nare unable to stop payments on convenience checks. We\nwill not return paid convenience checks to you, but you may\nask for copies. See Your Account Opening Disclosures for\nany documentation fees. Some restrictions apply to use of\n\n5\n\n\x0cconvenience checks: they may not be written as payment on\nany other loan or credit account with us or any of our related\nbanks or companies; they may be used only by the person\nwhose name is printed on the check; they must be written in\nU.S. dollars; they cannot be certified; you cannot assert a claim\nagainst us if you have a dispute with a merchant about any\npurchase or transaction that you paid for using a convenience\ncheck; and we reserve the right to place other conditions and\nlimitations on the use of convenience checks and the right\nto decline and return unpaid any convenience check in our\ndiscretion. We will generally treat convenience checks as\nbalance transfers for purposes of calculating interest charges\nand fees, except convenience checks made payable to cash\nor to yourself or deposited into a personal or business deposit\naccount may be treated as a cash advance. See the \xe2\x80\x9cInterest\nCharges\xe2\x80\x9d section below for more details. Purchases or balance\ntransfers made using convenience checks are not eligible for\nrewards points.\nAutomatic Charges\nYou may set up scheduled and repeat transactions to your\nAccount. If your Account is closed or suspended, or your\nAccount number changes, you will need to contact any persons\nthat you are paying by automatic transactions with updated\npayment information. We are not responsible for scheduled and\nrepeat transactions if your Account is closed or suspended,\nthe Account number changes, or if you do not have sufficient\ncredit available on your Account for any reason. You, the\nCardmember, are responsible for initiating, maintaining and\nterminating all scheduled, automatic charges to your Account.\nMobile Devices\nYou or an authorized user may be permitted to load your\nAccount information to an app on a smartphone or other\nelectronic device, such as a mobile wallet, which may be used\nfor purchases or other transactions without presenting the\nCard. Any such transactions are covered by this Agreement.\nWe have no responsibility for the performance of any app or\ndevice. You should protect the security of any electronic device\njust as you would your Card or other valuable information. Fees\nmay be charged by third parties related to any such transaction,\nsuch as data or messaging charges. We may at any time restrict\nor limit your ability to make transactions using your Card or\nAccount information through a third party or electronic device.\nForeign Transaction Fees and Exchange Rate\nIf we charge a foreign transaction fee on your Account, the\namount will appear in Your Account Opening Disclosures, and\nthe fee will apply to transactions that are made in a currency\nother than U.S. Dollars. You agree to pay those charges. If you\nmake a transaction in a foreign currency, the card association\nor network will convert the transaction into U.S. Dollars in\naccordance with its operating rules then in effect. The card\nassociation may charge a conversion fee when this is done\n\n6\n\n\x0cwhich may be added to the amount of the transaction. We do\nnot determine the exchange rate or card association fees. The\nexchange rate used may differ from rates available from other\nfinancial institutions in the U.S. or in the country in which the\ntransaction occurred. The exchange rate on the processing\ndate may differ from the rate on the transaction date or posting\ndate. And in the case of returned merchandise or other credits\nfor transactions in a foreign currency, the exchange rate used\nmay differ from the rate applied to the original transaction.\nAuthorization of Transactions/Closing Your Account\nWe do not guarantee approval of transactions, and we reserve\nthe right to deny transactions for any reason, such as default\nor suspected fraudulent or illegal activity, or any indication of\nrisk related to the transaction or Account. We also reserve the\nright to close or suspend your Account. Sometimes we limit\nor suspend credit availability or close accounts for reasons\nother than your actions or inactions, such as market conditions\nor our business needs. You may close your Account at any\ntime by contacting us at the phone number listed in the \xe2\x80\x9cYour\nBilling Rights\xe2\x80\x9d section below, or on your billing statement or\nthe back of your Card, or you may write to us at the address on\nyour billing statement. Each Card is the property of Hancock\nWhitney Bank, and may be cancelled by us at any time and\nmust be surrendered to us upon request. We may decline\ntransactions or suspend or close your Account for any reason,\nsuch as operational matters, the Account is in default, or we\nsuspect fraudulent or unlawful activity, or for no reason. We\nare not responsible for any losses associated with a declined\ntransaction or suspended or closed Account. After your\nAccount is closed, whether by you or by us, you may no longer\nmake transactions on your Account, but you remain liable for\nall amounts you owe under this Agreement, and our rights and\nyour obligations under this Agreement will continue until we\nreceive payment in full of all amounts you owe.\n\nREPAYMENT\n\nYou promise to pay us for all transactions on your Account\nincluding those made by anyone you permit to use your Account\ntogether with all interest charges, fees and other amounts\nyou owe us under this Agreement. We will send you a billing\nstatement, if one is required, each month. It will show your\nminimum required payment. After you make a payment, it may\ntake up to 10 days to restore available credit on your Account.\nIf there is more than one Cardmember on this Account, we may\nsend the billing statement to any one of you.\nPayment Instructions\nYou must follow the payment instructions on your billing\nstatement. If you pay us by check, money order, or electronic\npayment it must be drawn on a U.S. bank or a foreign bank\nbranch in the U.S. All payments must be in U.S. Dollars. You\nauthorize us to convert any check, draft or other paper item to an\n\n7\n\n\x0celectronic transaction. We will credit your payment as of the same\nday we receive it if the payment is made following the instructions\non your billing statement and we receive it by the time and at\nthe location specified. Credit for payments made at any other\nlocation or by any other method may be delayed. If we receive\na payment check that is postdated, you agree that we may\nprocess it or return it to you, in either case without waiting for\nthe check date, and we will not be liable for any loss or expense\nyou may incur. We may accept and process any check or other\npayment marked as \xe2\x80\x9cpaid in full\xe2\x80\x9d or with any other restrictive\nwords without losing any of our rights to collect the full amount of\nyour Account balance. You agree not to pay this Account using\nanother Hancock Whitney Bank credit or loan account without\nour permission, and you agree not to pay this Account using a\nconvenience check.\nMinimum Payment\nYour minimum payment due each month will be rounded up\nto the nearest dollar and be the greater of (i)$10.00 or (ii) 2%\nof the New Balance on your billing statement or (iii) the total\nof any interest charge and all outstanding charges and fees.\nIf applicable, your minimum payment due will also include the\ngreater of the past due amount of any prior minimum monthly\npayments or the amount by which the New Balance exceeds the\napproved credit limit(s) on the Account. If the New Balance is\nless than $10.00, your minimum payment due will be the amount\nof the New Balance. You agree to pay at least the minimum\npayment when due. You also agree to pay all past due and over\nthe limit amounts by the payment due date or sooner if we ask.\nYou can pay down balances faster by paying more than the\nminimum payment. You may also prepay your Account in full\nor in part at any time without penalty. Any partial prepayment\nwill not affect your obligation to continue to make minimum\npayments when due, and interest charges may continue to\naccrue on your remaining balance. Your payment due date will\nbe at least 25 days after each billing cycle closing date. If you fail\nto make a required minimum payment on or before the payment\ndue date, you agree to pay the Late Payment Fee disclosed in\nYour Account Opening Disclosures. The minimum payment, past\ndue amount, over the limit amount, and any late payment fees\nwill appear on your billing statement.\nGrace Period on Paying Interest on Purchases\nThe grace period is the time when you are not charged interest\non new purchases made with your Card. Balance transfers,\nincluding convenience checks, and cash advances do not have\na grace period. We do not charge interest on any part of the\nbalance of purchases you make with your Card that you pay\nbefore the end of the grace period. See the \xe2\x80\x9cPayment Allocation\xe2\x80\x9d\nsection below for more information on how the allocation of\npayments may affect the grace period on purchases. Also, for\nmore details about how we calculate your interest charges, see\nthe \xe2\x80\x9cInterest Charges\xe2\x80\x9d section of this Agreement.\n\n8\n\n\x0cPayment Allocation\nWhen you make a payment, generally, we first apply your\nminimum payment to the balances included in calculating your\nminimum payment. Any payment above your minimum payment\nwill generally be applied to the balances with highest Annual\nPercentage Rate, and then to each successive balance bearing\nthe next highest Annual Percentage Rates. You can reduce the\namount of interest you pay by making payments larger than the\nminimum payment due.\nApplying payments above the minimum payment to the balances\nwith higher Annual Percentage Rates first could, in some\ninstances, mean you will not receive the full benefit of the grace\nperiod for new purchases. If, for example, the Annual Percentage\nRate on purchases is higher than the Annual Percentage Rate\non cash advances or balance transfers, payments above your\nminimum payment amount may be allocated to the balance of\npurchases, including new purchases that have not yet been billed\nfor the first time, before being allocated to any balance transfer\nor cash advance balances. This could also result in additional\ninterest charges on any balance transfer or cash advance\nbalances because interest charges apply to balance transfers\nand cash advances until they are paid in full.\nCredit Balances\nYou may request a refund of any credit balance. We do not pay\ninterest on credit balances. If you do not request a refund, we will\napply your credit balance to new charges on your Account. If a\ncredit balance meets a minimum threshold amount and remains\non your Account for a minimum time period as defined by\napplicable law, we will automatically refund it to you.\n\nINTEREST CHARGES\n\nThis section describes how we compute interest charges on your\nAccount. The Monthly Periodic Rates and Annual Percentage\nRates in effect at the time this Agreement was prepared may be\nfound in Your Account Opening Disclosures. You promise and\nagree to pay the interest charges and fees as provided in this\nAgreement and Your Account Opening Disclosures.\nPeriodic Interest Charge Calculation\nWe compute interest charges separately on purchases, cash\nadvances, balance transfers, and promotional balances, and the\ntotal interest charges will be disclosed on your billing statement\nas Interest Charge. No interest charges will be imposed on new\npurchases made with your Card that are billed for the first time if\nyou pay the entire New Balance of your Account shown on the\nbilling statement by the Payment Due Date. Interest charges will\nbe imposed on cash advances from the date of the transaction\nand continuing until the balance of cash advances is paid in full.\nInterest charges will be imposed on balance transfers beginning\non the date each transaction is posted to your Account and\ncontinuing until the balances are paid in full. There is no grace\n\n9\n\n\x0cperiod to avoid paying interest charges on cash advances or\nbalance transfers.\nAverage Daily Balance\nWe figure the interest charges on your account by applying the\napplicable Monthly Periodic Rate to the average daily balance\n(including new transactions) for each transaction category\non your Account. Transaction categories include purchases,\nbalance transfers, cash advances, and promotional balances.\nWe calculate the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each transaction\ncategory by taking the beginning balance of that transaction\ncategory each day and adding any new transactions in that\ncategory to the balance (except, we will not include new\npurchases made with your Card if you have paid in full the New\nBalance on your previous billing statement by the Payment Due\nDate on that statement or if the New Balance on your previous\nbilling statement was zero). We then subtract any payments or\ncredits and unpaid interest or other \xe2\x80\x9cFinance Charges\xe2\x80\x9d allocated\nto the transaction category balance for the day. This gives us the\ndaily balance for the transaction category. The daily balances for\nthe transaction category are then added together and divided by\nthe number of days in the billing cycle. The result is the average\ndaily balance for that transaction category and is shown on your\nbilling statement as the \xe2\x80\x9cBalance Subject to Interest Rate.\xe2\x80\x9d\nIntroductory and Promotional Rates\nYour Account may be eligible for introductory rates. If so, this\nwill be described in Your Account Opening Disclosures. If you\nare offered a promotional rate after your Account is opened, the\nterms will be provided to you at that time. After any introductory\nor promotional rates expire, the remaining balances will be\nsubject to the applicable standard variable Annual Percentage\nRates.\nVariable Annual Percentage Rates and Monthly Periodic Rates\nYour Account has a variable Annual Percentage Rate for\neach transaction category. We determine the variable Annual\nPercentage Rate separately for each transaction category by\nadding a margin to the highest U.S. Prime Rate published in the\nMoney Rate section of The Wall Street Journal three business\ndays (not weekends, or federal holidays) before the closing\ndate shown on your billing statement. A different margin may\napply to different transaction categories. (See Your Account\nOpening Disclosures for information on your margins.) The\nAnnual Percentage Rate may increase or decrease each month\nif the Prime Rate changes. Any new rate will become effective\nretroactive to the beginning of your billing cycle during which the\nPrime Rate changed, and the new rate will apply to that entire\nbilling cycle. If the Annual Percentage Rate increases, you will\npay a higher interest charge and may pay a higher minimum\npayment. The Prime Rate is simply a reference index and is\nnot the lowest interest rate available. If The Wall Street Journal\nchanges its method of determining, or stops publishing, the\nPrime Rate, we may substitute a different reference rate.\n\n10\n\n\x0cTo calculate the Monthly Periodic Rate for each transaction\ncategory, we divide the Annual Percentage Rate for that category\nof transactions by 12. We may combine different transaction\ntypes that have the same monthly interest rates. To calculate the\ninterest charges on your Account:\n\xe2\x80\xa2 We multiply the Monthly Periodic Rate by the Average Daily\nBalance for each transaction type.\n\xe2\x80\xa2 We add together the interest charges for each transaction\ntype for the billing cycle.\n\xe2\x80\xa2 If a minimum interest charge is disclosed in Your Account\nOpening Disclosures, we will charge you at least the\nminimum interest charge any time an interest charge is due.\nAdding New Transactions and Fees\nWe add transactions and fees to your daily balance no earlier\nthan:\n\xe2\x80\xa2 For new purchases or cash advances \xe2\x80\x93 the date of the\ntransaction.\n\xe2\x80\xa2 For convenience checks and balance transfers \xe2\x80\x93 the date of\nposting to your Account.\n\xe2\x80\xa2 Fees \xe2\x80\x93 either on the date of a related transaction, the date\nthey are posted to your Account, or the last day of the billing\ncycle, whichever we may choose.\nResidual Interest\nInterest charges will be imposed on cash advances from the\ndate of the transaction and continuing until the balance of\ncash advances is paid in full. Interest charges will be imposed\non balance transfers beginning on the date each transaction\nis posted to your Account and continuing until the balances\nof balance transfers are paid in full. Even if you pay your New\nBalance in full by the payment due date, your next billing\nstatement may include interest charges on previously billed cash\nadvances and balance transfers for the period of time between\nyour previous statement and the date your payment was applied.\nPenalty Annual Percentage Rates\nIf a Penalty Annual Percentage Rate is disclosed in Your Account\nOpening Disclosures (\xe2\x80\x9cPenalty Rate\xe2\x80\x9d), the Penalty Rate disclosed\nwill apply and become the Annual Percentage Rate applicable\nto purchases, balance transfers, and cash advances if you fail\nto make at least your minimum payment within 60 days after its\ndue date, subject to any advance notice requirement required by\napplicable law. Your Account will remain at the Penalty Rate until\nyou make six consecutive timely minimum periodic payments\nbeginning with the payment due immediately following the\neffective date of the Penalty Rate. At the time you meet these\nrequirements, the Penalty Rate will terminate and your Annual\nPercentage Rate will revert to the Annual Percentage Rate\ndefined in Your Account Opening Disclosures. If we decide not\nto increase your Annual Percentage Rate even though there is\na default, or if we do not increase your Annual Percentage Rate\nto the maximum Penalty Rate stated in the then-current Your\n\n11\n\n\x0cAccount Opening Disclosures, we reserve our right to increase\nyour Annual Percentage Rate to the Penalty Rate in the event\nof any future or continuing default. We may in our discretion\ndetermine to charge reduced Penalty Rates or reinstate standard\nrates for all or selected balances of your Account without notice.\n\nPAYING FEES AND INTEREST\nPaying Fees\nCertain transactions and situations may cause your Account\nto receive a fee or have another impact on your Account. The\namounts of these fees are disclosed in Your Account Opening\nDisclosures. Your Account Opening Disclosures may indicate an\namount \xe2\x80\x9cup to\xe2\x80\x9d a certain limit for penalty fees, like a late payment\nfee, because applicable law may restrict our ability to impose\nthe full amount of the penalty fee in some circumstances. If this\napplies, additional detail reflecting limitations imposed under\napplicable law will be explained in the \xe2\x80\x9cPenalty Fees\xe2\x80\x9d provision\nbelow the rates and fees table in Your Account Opening\nDisclosures. Additional services we may offer after your Account\nis opened may incur additional service fees; be sure to carefully\nreview the details of any additional services to understand the\nterms.\nPaying Interest\nTo avoid paying interest on new purchases, pay your New\nBalance in full each month. We will not charge you interest on\nnew purchases billed for the first time if you pay your entire\nbalance by the due date each month. We will begin charging\ninterest on balance transfers on the posting date. We will begin\ncharging interest on cash advances on the transaction date.\nYou cannot avoid paying interest on cash advances or balance\ntransfers.\nCash Advance Fee\nA transaction fee will be imposed on each cash advance and\nadded to your Account. The amount of the fee is disclosed in\nYour Account Opening Disclosures.\nBalance Transfer Fee\nA transaction fee will be imposed on each balance transfer and\nadded to your Account. The amount of the fee is disclosed in\nYour Account Opening Disclosures.\nConvenience Check Fee\nA transaction fee will be imposed on each convenience check.\nWe generally treat convenience checks like balance transfers\nand the balance transfer fee disclosed in Your Account Opening\nDisclosures will be imposed on each convenience check.\nHowever, a convenience check made payable to cash or to\nyourself or which is deposited into a personal or business\ndeposit account may be treated as a cash advance, and the cash\nadvance fee disclosed in Your Account Opening Disclosures may\nbe imposed.\n\n12\n\n\x0cReturned Payment Fee\nDo not submit a payment that could be returned unpaid. If a\nReturned Payment Fee is disclosed in Your Account Opening\nDisclosures, we may charge this fee if the payment you offer to\nus is not honored, is returned unpaid, or cannot be processed for\nany reason.\nCollections and collection costs and expenses\nDo not default. If you are in default, we may take the actions\ndescribed in the \xe2\x80\x9cDefault\xe2\x80\x9d section under Important Definitions\nabove.\n\nFREQUENT INQUIRIES\n\nReview this section for common situations or questions that\nmight require action by you or Hancock Whitney.\nYou think you found a mistake on your statement.\nContact us at the phone number listed in the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d\nsection below, or on your billing statement or the back of your\nCard, or you may write to us at the address on your billing\nstatement. We will investigate and contact you with our findings.\nPlease see the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below for more\ndetails.\nYou are dissatisfied with a credit card purchase.\nYou should first attempt to resolve the problem with the\nmerchant. Then, contact us about the purchase. We will research\nthe problem and contact you with our findings. Please see the\n\xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below for more details.\nYour card is lost or stolen or you suspect unauthorized use of your\nAccount.\nIf your Card is lost, stolen or you think someone used your\nAccount without your permission, you should call us immediately\nat the phone number listed in the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section\nbelow, or on your billing statement or the back of your Card.\nYou may also contact us at the address shown on your billing\nstatement. We need your help to find out what happened and\ncorrect the problem. You will not be liable for any unauthorized\nuse that occurs after you notify us. You may, however, be liable\nfor unauthorized use that occurs before your notice to us. In\nany case, your liability will not exceed $50 or any lesser amount\nset by applicable law or card association rules at the time of the\noccurrence.\nYour Account is closed or suspended.\nEven if your Account is closed or suspended, you remain\nresponsible for your Account, and you must still repay all\namounts you owe on the Account in accordance with the terms\nof this Agreement.\nYou want to transfer a balance or make a cash advance.\nYou will incur a transaction fee for these transactions. See Your\nAccount Opening Disclosures for the amount of these fees.\n\n13\n\n\x0cYour address changes.\nLet us know immediately if your address or contact information\nchanges. You may contact us by calling the phone number\nlisted in the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below, or on your billing\nstatement or the back of your Card, or you may write to us at the\naddress found on your billing statement.\n\nOUR RELATIONSHIP WITH YOU\n\nMaintaining a positive relationship with you is important to us.\nPlease review these terms to understand more about your\nAccount and this Agreement.\nCommunications\nWe may send cards, statements and other communications\nto you at any mailing or email address we have for you in our\nrecords. If more than one person is responsible for this Account,\nwe can provide billing statements and communications to only\none of you. When you give us your mobile phone number,\nyou agree that we have your permission to contact you at\nthat number about all your Hancock Whitney accounts. You\nalso agree that your consent allows us to use text messaging,\nartificial or prerecorded voice messages and automatic dialing\ntechnology for informational and account service calls, but not\nfor telemarketing or sales calls. It may include contact from\ncompanies working on our behalf to service your accounts\nwith us. Message and data rates may apply. You may contact\nus anytime to change these preferences. We may also send\nan email to any address where we reasonably believe we can\ncontact you. Some of the legal purposes for calls, text messages\nand emails include: suspected fraud or identity theft; obtaining\ninformation; transactions on or servicing of your accounts;\ncollecting on your accounts; and providing you information about\nour products and services. Notify us immediately of any changes\nto your contact information using the address or phone number\nshown on your billing statement or the phone number shown on\nthe back of your Card.\nLoyalty Programs\nThe terms and conditions for any loyalty programs offered for\nyour Account are voluntary and separate and distinct from the\nterms of your Card Agreement. Participation in loyalty programs,\nsuch as rewards programs, means you agree to the loyalty\nprogram\xe2\x80\x99s terms and conditions. We have the right to terminate\nloyalty programs at any time and without notice. In addition, the\nbenefits and rewards of loyalty programs may be changed or\nremoved at any time without notice to you. The separate and\ndistinct loyalty agreement means a change to its terms in no way\nimpacts the relationship maintained under this Agreement. For\nadditional information about loyalty programs, you may call us\nat the phone number listed in the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section\nbelow, or on your billing statement or the back of your Card.\n\n14\n\n\x0cTelephone Monitoring\nWe may listen to and record your telephone calls with us.\nCredit Information\nWe may obtain and review your credit history from credit\nreporting agencies and others. We may, from time to time, obtain\nemployment and income data from third parties to assist us in\nthe ongoing administration and review of your Account. We may\nalso provide information about you and your Account to credit\nreporting agencies and others. Late payments, missed payments,\nor other defaults on your Account may be reflected in your credit\nreport. We may provide information to credit reporting agencies\nabout this Account in the name of an authorized user. If you think\nwe may have provided incorrect information, contact us and we\nwill investigate.\nEnforcement\nWe may enforce the terms of this Agreement at any time. If we\nchoose, we may do any of the following without notice to you\nand without affecting your liability under this Agreement: 1)\nextend the time for payment, 2) waive or delay enforcing any\nof our rights without losing those rights, 3) release or excuse\nany Cardmember or guarantor from any obligations under\nthis Agreement, or 4) release or surrender any collateral, all\nwithout losing our rights against any person. If any terms of this\nAgreement are found to be unenforceable for any reason, we\nmay still enforce the other terms.\nSecurity Interest\nIf you have other loans with us or take out other loans with us in\nthe future, collateral securing those other loans will also secure\nyour obligations to us under this Agreement. However, unless\nyou expressly agree otherwise in writing and we give you any\nadditional disclosures required by applicable law and regulation,\nyour household goods and your primary dwelling will not secure\nyour obligations under this Agreement even if we have or obtain\nlater a security interest in the household goods or a mortgage\nor security interest on the dwelling. Also, we waive any rights\nwe may have to offset any amounts you owe us under this\nAgreement against any funds you may have on deposit with us\nunless we first obtain a judgment against you for what you owe,\nor unless we have a consensual security interest in such funds or\nobtain or enforce a court order relating to the such funds.\nGoverning Law\nThis Agreement and your Account will be governed by applicable\nfederal laws and the laws of the State of Mississippi, and those\nlaws will apply no matter where you live or use this Account.\nAssignment\nWe may assign your Account, balances you owe, or any of\nour rights and obligations under this Agreement without your\nconsent. You may not assign any of your rights or obligations\nunder this Agreement.\n\n15\n\n\x0cRelationship Pricing\nSome accounts may receive rate and fee pricing based on\nthe relationship of the Cardmember or account to us, such as\nemployee accounts. If any relationship pricing is associated\nwith this Account, that pricing may terminate at the point the\nrelationship qualifying the Account terminates.\nCovered Borrowers under the Military Lending Act\nSome terms will not apply to any person who is a \xe2\x80\x9ccovered\nborrower\xe2\x80\x9d under the Military Lending Act, 10 U.S.C. \xc2\xa7987, at\nthe time this Agreement is entered into. A covered borrower\nincludes any person on active duty with the U.S. military and their\ndependents. Please see the section on \xe2\x80\x9cImportant Information\nabout the Military Lending Act\xe2\x80\x9d below for more information.\nSeverability\nHancock Whitney hopes for a long and positive relationship\nduring which this Agreement will remain in place. The Bank fully\nanticipates that laws, regulations, statutes and court decisions\nwill change over the course of our relationship. Should any part\nof the Agreement be negated by future laws, regulations, statutes\nor court decisions, the remainder of the Agreement will still bind\nthe Cardmember relationship.\n\nYour Billing Rights\n\nKeep This Notice For Future Use.\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement.\nIf you think there is an error on your statement, write to us at:\nHancock Whitney Bank\nCredit Card Center\nPO Box 61750\nNew Orleans, LA 70161-1750\n1-800-448-8812\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and Account number;\n\xe2\x80\xa2 The date and dollar amount of the suspected error.\n\xe2\x80\xa2 If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing at the address\nabove. You may notify us using other ways (including telephone),\nbut if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\n\n16\n\n\x0cWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and\nwe must let those organizations know when the matter has been\nsettled between us. If we do not follow all of the rules above, you\ndo not have to pay the first $50 (or less, if required by applicable\nlaw or card association rules) of amount you question even if\nyour bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card and you have tried in good faith\nto correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n\n17\n\n\x0c2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing at:\nHancock Whitney Bank\nCredit Card Center\nPO Box 61750\nNew Orleans, LA 70161-1750\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\nIMPORTANT INFORMATION ABOUT THE MILITARY\nLENDING ACT\nThe Military Lending Act, 10 U.S.C. \xc2\xa7 987, and related regulations\nof the U. S. Department of Defense (together, the \xe2\x80\x9cMLA\xe2\x80\x9d) provide\nimportant benefits to any person who is a \xe2\x80\x9ccovered borrower\xe2\x80\x9d\nunder the Act when obtaining certain types of consumer credit.\nPlease review these terms to understand more about whether\nyou are a covered borrower and how this affects your Account\nand this Agreement.\nWho is a \xe2\x80\x9ccovered borrower\xe2\x80\x9d?\nThe MLA generally defines a covered borrower as:\n1. Full time active duty servicemembers and those under a\ncall or order to active duty of 30 days or more, and those on\nActive Guard or Reserve Duty;\n2. The covered servicemember\xe2\x80\x99s dependents including his\nor her: spouse, children under age 21, children under age\n23 enrolled as a full-time student at an institution of higher\nlearning and dependent on the covered servicemember for\nover one-half of their support, children of any age incapable\nof self-support due to mental or physical incapacity that\noccurred while a dependent of the covered servicemember\nand who are dependent on a covered servicemember\nfor over one-half of their support, parent or parent-in-law\nwho is dependent on the covered servicemember for over\none-half of the person\xe2\x80\x99s support and who resides in the\ncovered member\xe2\x80\x99s household, and an unmarried person\nin the legal custody of the covered servicemember who: (i)\nis either under age 21, under age 23 and enrolled in a full\ntime course of study at an institution of higher learning, or\nis incapable of self-support because of a mental or physical\nincapacity; (ii) is dependent on the covered servicemember\nfor over one-half of the person\xe2\x80\x99s support; and (iii) who\nresides with the covered servicemember unless separated\nby military service or to receive institutional care.\n\n18\n\n\x0cWhat are the benefits for covered borrowers?\n\xe2\x80\xa2 If you are a covered borrower, the MLA provides you with\ncertain benefits when you obtain many types of consumer\ncredit, including the following:\n\xe2\x80\xa2 36% MAPR interest cap. The Military Annual Percentage\nRate (MAPR) may not exceed 36%. This might sound\nunusually high, but this calculation includes more than just\nthe interest rate. It also takes into account certain other\nfees and charges. The Statement of the Military Annual\nPercentage Rate below describes what is included in the\nMAPR.\n\xe2\x80\xa2 Certain credit or loan terms are prohibited including: use\nof mandatory arbitration clauses; waiver of any right to\nrecourse under applicable state or federal law including the\nServicemembers Civil Relief Act; requiring unreasonable\nnotice from the borrower as a condition for legal action;\nrequiring establishment of an allotment to repay the loan;\nprepayment penalties or provisions prohibiting prepayment;\nand requiring use of a check or other means of access to\nthe borrower\xe2\x80\x99s deposit Account.\n\xe2\x80\xa2 Federal law requires that you receive a clear description of\nyour required payments.\nSome exceptions and limitations apply. This is not a\ncomprehensive description of all of the terms of the MLA. You\nmay want to consult with your military commanders, military legal\nassistance officers or other legal counsel for more information.\nHow does the MLA affect this Agreement?\nIf you are a covered borrower at the time you become legally\nobligated for this Account, the following additional terms will\napply to you and will control over any inconsistent terms in the\nAgreement:\n\xe2\x80\xa2 We waive any annual fee. We will charge interest and\nimpose other fees as provided in the Agreement, except that\nyour MAPR will never exceed 36% (See the Statement of the\nMilitary Annual Percentage Rate below). See Your Account\nOpening Disclosures for a description of your required\nminimum monthly payment. You may prepay the balance of\nyour Account in full or in part at any time without penalty.\n\xe2\x80\xa2 We waive any other provision or requirement of the\nAgreement which would violate the MLA. Any such waived\nprovision or requirement is severed from this Agreement\nand does not apply to any Covered Borrower under this\nAgreement. We may enforce the remaining provisions of the\nAgreement.\nStatement of the Military Annual Percentage Rate\nFederal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may\n\n19\n\n\x0cnot exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application\nfees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for\na credit card account).\nPayment Obligation\nGenerally, your minimum monthly payment under your account\nshall be the greater of (i)$10.00 or (ii) 2% of the New Balance on\nyour billing statement or (iii) the total of any interest charge and\nall outstanding charges and fees. If the New Balance is less than\n$10.00, your minimum payment due will be the amount of the\nNew Balance. See the \xe2\x80\x9cMinimum Payment\xe2\x80\x9d section for details.\nFor More Information\nYou may call us at the phone number listed in the \xe2\x80\x9cYour Billing\nRights\xe2\x80\x9d section above, or on your billing statement or the back\nof your Card, to receive a Statement of the Military Annual\nPercentage Rate and a description of your payment obligation,\nor if you have any questions about the MLA and your Agreement\nwith us.\n\n20\n\nF03-Y096-9\n\n\x0c'


b'VISA PLATINUM\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\n(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved\n\nDGAGF2 (MXC501 CCM002)-e\n\n\x0canother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of\nyour card. Each year following, the annual fee will be charged to your account during the same month that you were first\ncharged the fee. The fee will be charged each year until your account is closed and paid in full disclosed on the Disclosure\naccompanying this Agreement.\nb. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee will be charged to your account when you transfer a balance from an account of another creditor to the account as\ndisclosed on the Disclosure accompanying this Agreement.\nc. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\nd. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\ne. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nf. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nDGAGF2 (MXC501 CCM002)-e\n\n\x0cg. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nh. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 3.00% of your total new\nbalance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at Credit Card Security Department, PO Box 30035, Tampa, Florida 33630 or telephone\n800-325-3678 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may\nbe liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you\nnotify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with\nyour credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed\n$50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\nDGAGF2 (MXC501 CCM002)-e\n\n\x0c14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six (6) months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n29. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nDGAGF2 (MXC501 CCM002)-e\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required\nto investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nDGAGF2 (MXC501 CCM002)-e\n\n\x0c'


b'F1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nHow to Avoid Paying Interest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n8.90\nF2\n\nto 18.00\nF3\nwhen you open your account, based\non your creditworthiness.\n8.90\nF4\nto 18.00\nF5\nwhen you open your account, based on your\ncreditworthiness.\nF6\nto 18.00\nF7\nwhen you open your account, based on your\n8.90\ncreditworthiness.\nNone\nF8\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nNone\nF9\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\nNone\nF10\nNone\nF11\n$\n5.00 or F13\n2.00 % of the amount of each cash advance, whichever is\nF12\ngreater\nNone\nF14\nUp to F15\n$ 25.00\nUp to F16\n$ 32.00\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nEffective Date.\nApril 1, 2010.\nThe information about the costs of the card described in this application is accurate as of F17\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\n\nDocument Copy Fee\nRush Fee\nCard Replacement Fee\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\n$ 25.00 or the amount of the required minimum payment, whichever is\nF18\nless, if you are ten (10) or more days late in making a payment.\nF19\n$ 25.00 or the amount of the required minimum payment, whichever is\nless. In the event a payment is returned in the same or in any of the six\n(6) billing cycles following the initial violation, you will be charged $\nF20\n32.00\nor the amount of the required minimum payment, whichever is less.\nF21\n$ 5.00\nF22\n$ 15.00\n$ 10.00\nF23\n\nDGAGD2 (MXC402 CCM002)-e\n\n\x0c'