b'F03-W940-5\n\nHANCOCK WHITNEY BANK\nCARDHOLDER AGREEMENT\nAND DISCLOSURE STATEMENT\nThis Cardholder Agreement and Disclosure Statement is the contract that\ngoverns the use of a Hancock Whitney Visa\xc2\xae Platinum Card Account. This\nCardholder Agreement and Disclosure Statement contains (1) the terms and\nconditions that bind the user of any Hancock Whitney Visa Platinum Card\nAccount or any Hancock Whitney Visa Platinum Card issued in connection\nwith the Account and (2) the disclosures required by the Federal Truth in\nLending Act. Use of the Hancock Whitney Visa Platinum Card by the\nCardholder or any Authorized User shall indicate that the Cardholder has\nagreed to pay all amounts due in accordance with the terms of this Cardholder\nAgreement and Disclosure Statement.\n1.\n\nDefinitions. The following definitions apply to the terms used in this\nCardholder Agreement and Disclosure Statement or used in the monthly\nbilling statement for a Hancock Whitney Visa Platinum Card account:\n(A) \xe2\x80\x9cAccount\xe2\x80\x9d means the account for which a Cardholder is issued one\nor more cards.\n(B) \xe2\x80\x9cAgreement\xe2\x80\x9d means this Cardholder Agreement and Disclosure\nStatement.\n(C) \xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person a Cardholder has authorized\nto use a Card or to obtain credit on an Account, whether or not the\nAuthorized User is named in the Cardholder\xe2\x80\x99s application or request\nfor a Card or an Account.\n(D) \xe2\x80\x9cBalance Transfer\xe2\x80\x9d means a balance from a loan or account that\nCardholder owes to another creditor or financial institution that\nBank allows a Cardholder to transfer to the Account.\n(E) \xe2\x80\x9cBank\xe2\x80\x9d means Hancock Whitney Bank.\n(F) \xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the time interval between monthly billing\nstatement dates for monthly billing statements issued pursuant to\nthe terms of this Agreement.\n(G) \xe2\x80\x9cCard\xe2\x80\x9d means each Hancock Whitney Visa Platinum Card issued\nby the Bank to a Cardholder.\n(H) \xe2\x80\x9cCardholder\xe2\x80\x9d means each natural person or organization, including,\nwithout limitation, a corporation, partnership, proprietorship,\nassociation, cooperative, estate, trust or government unit, to whom\na Hancock Whitney Visa Platinum Card is issued pursuant to the\nrequest or application of that person or organization.\n(I) \xe2\x80\x9cCash Advance\xe2\x80\x9d means any extension of credit obtained from the\nBank or another financial institution that accepts Visa credit cards,\nincluding cash obtained from an automated teller machine.\n(J) \xe2\x80\x9cClosing Date\xe2\x80\x9d means the date on the last day of a Billing Cycle.\n(K) \xe2\x80\x9cMargin\xe2\x80\x9d means the number of percentage points added to the\nPrime rate defined in Section 11(A)(3) below to calculate the\napplicable variable interest rate.\n(L) \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d means the percentage rate of interest\ncharge imposed against the outstanding balance on a monthly\nbasis.\n(M) \xe2\x80\x9cNew Balance\xe2\x80\x9d means the balance outstanding on the Account on\nthe Closing Date.\n(N) \xe2\x80\x9cPrevious Balance\xe2\x80\x9d means the outstanding unpaid balance on the\nAccount at the beginning of the Billing Cycle.\n(O) \xe2\x80\x9cPurchase\xe2\x80\x9d means the purchase or lease of goods and the\npurchase of services and insurance from merchants or businesses\nthat accept Visa credit cards through the use of a Card or the\nAccount.\n(P) \xe2\x80\x9cWe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d means Hancock Whitney Bank.\n(Q) \xe2\x80\x9cHancock Whitney Bank\xe2\x80\x9d is a wholly-owned banking subsidiary of\nHancock Whitney Corporation.\n\n2.\n\nAgreement. Pursuant to the Cardholder\xe2\x80\x99s request or application, the\nBank has established an Account in the name of the Cardholder and\nhas issued one or more Cards to the Cardholder. By requesting or\napplying for a Card or an Account, retaining a Card, signing a Card,\nusing a Card, or using the Account, the Cardholder has agreed to the\nterms and conditions contained in this Agreement. This Agreement\ngoverns the Account and the use of any Card issued to the Cardholder\nin connection with the Account. The Bank agrees to pay the applicable\nmerchant or business, in accordance with the terms and conditions of\nthis Agreement, for the Purchases that the Cardholder or an Authorized\nUser makes with a Card, and the Bank agrees to make Cash Advances,\nin accordance with the terms and conditions of this Agreement, to the\nCardholder or an Authorized User. The Cardholder authorizes the Bank\nto charge the Account for all amounts the Bank pays on Purchases,\nfor all amounts the Bank advances to any Cardholder or Authorized\nUser on Cash Advances, and for all amounts the Bank advances or\npays to third parties on behalf of a Cardholder or an Authorized User,\nincluding any amounts advanced on behalf of the Cardholder or an\nAuthorized User as a result of the use of a Card to obtain any services\noffered by VISA U.S.A., Inc. Bank may allow a Cardholder to transfer\nto the Account balances that the Cardholder owes to other creditors or\nfinancial institutions, up to the amount of the Account credit limit that\nBank makes available for Balance Transfers. If Cardholder requests\na Balance Transfer, Cardholder agrees to monitor each account from\nwhich a balance is being transferred and continue making the minimum\npayment due on that account until the other creditor or financial\ninstitution provides an account statement that shows the balance of\nCardholder\xe2\x80\x99s other account has been paid in full, if applicable. This may\nnot occur until after the Balance Transfer appears on a billing statement\nfrom Bank. Cardholder is liable for any late payments, interest charges\nor disputed amounts on the other account. Cardholder is responsible\nfor instructing Cardholder\xe2\x80\x99s other creditor or financial institution to\nclose Cardholder\xe2\x80\x99s other account if that is Cardholder\xe2\x80\x99s preference.\nAn increase in the ANNUAL PERCENTAGE RATE may increase the\nCardholder\xe2\x80\x99s interest charges, minimum monthly payment amount, and/\nor number of minimum monthly payments required to be made.\n\n3.\n\nUse of a Card/Account. All Cards and/or Accounts shall be used solely\nfor personal, family, or household purposes. The Cardholder agrees\nthat all Cards and Accounts shall be used solely for Purchases and/\nor Cash Advances for personal, family, household or other consumer\npurposes and agrees that Purchases and/or Cash Advances for\nbusiness purposes shall not be obtained through a Card or Account. The\nCardholder and any Authorized User may use a Card or the Account for\nPurchases, and the Cardholder may use a Card or the Account for Cash\nAdvances. The Cardholder or an Authorized User must sign the panel\non the back of each Card issued to the Cardholder. The effect of using\nthe Account number for a Purchase or a Balance Transfer or to obtain a\nCash Advance without presenting a Card, as in a Purchase or Balance\nTransfer or Cash Advance made or arranged by mail or telephone, shall\nbe the same as if the Card itself were presented to make the Purchase or\nBalance Transfer or to obtain the Cash Advance.\n\n4.\n\nNotice Regarding Illegal Internet Gambling Transactions. Pursuant to\nthe Unlawful Internet Gambling Enforcement Act of 2006 and Regulation\nGG (collectively, the \xe2\x80\x9cAct\xe2\x80\x9d), this is to notify the Cardholder that items\nand transactions related to illegal Internet gambling (\xe2\x80\x9cRestricted\nTransactions\xe2\x80\x9d) will not be processed through your Account(s).\nRestricted Transactions include any transactions in which a gambling or\ngaming business accepts payment in connection with unlawful Internet\ngambling, whether by credit card, debit card, electronic funds transfers,\nchecks, or other means. The Bank shall have no liability whatsoever for\nthe refusal or return of items or transactions, or for any claims or losses\narising from or related to its refusal or return of items or transactions,\nand/or its closure of your Account(s), believed by the Bank to be in\nviolation of the Act.\n\n5.\n\nLiability for Payment. The Cardholder authorizes the Bank to charge\nthe Account for all Purchases, Balance Transfers and Cash Advances\nresulting from the use of the Card or the Account. The Cardholder shall\npay to the Bank all amounts owed on the Account, including, without\nlimitation, the amounts paid or advanced by the Bank on all Purchases,\nBalance Transfers and Cash Advances, any interest charges assessed\non the Account, and any other fees and charges the Cardholder owes to\nthe Bank under the terms of this Agreement, by any method of payment\nthat is acceptable to the Bank provided it is in United States dollars, in\naccordance with the terms of this Agreement. If the Account is a joint\nAccount, each Cardholder agrees to pay all amounts owed to the Bank\non the Account. Each Cardholder on a joint Account shall be jointly,\nseverally, and solidarily liable for the payment of all amounts owed to the\nBank on the Account, regardless of which Cardholder or Authorized User\nused the Account.\n\n6.\n\nAuthorized Users. The authorization given to an Authorized User by the\nCardholder shall continue in effect as long as the Authorized User has\npossession of a Card, and the Cardholder shall be liable for the payment\nof all amounts owing on the Account arising from an Authorized User\xe2\x80\x99s\nuse of a Card during the time the Authorized User has possession of a\nCard. No revocation of the authorization given to an Authorized User\nby the Cardholder shall be effective or binding on the Bank until the\nCardholder recovers possession of the Card or accounts for the Card to\nthe Bank\xe2\x80\x99s satisfaction.\n\n7.\n\nCredit Limit. The Bank, upon approving the Cardholder\xe2\x80\x99s application for\nan Account, shall establish a credit limit for the Account. The approved\ncredit limit will be shown on the card mailer form and on each monthly\nbilling statement. The Cardholder agrees not to exceed the credit limit\nestablished for the Account. The Bank shall have the right to demand\nimmediate payment of any amount by which the balance owing on the\nAccount at any time exceeds the approved credit limit. The Cardholder\nmay request an increase in the approved credit limit after the Account\nhas been open for six (6) consecutive months. Any such increase\nshall be entirely within the Bank\xe2\x80\x99s sole discretion and may, in the\nBank\xe2\x80\x99s sole discretion, be conditioned on a review of the Cardholder\xe2\x80\x99s\npersonal financial circumstances and other factors that might warrant\nan increase in the approved credit limit. The Bank shall have the right to\nreevaluate any Cardholder\xe2\x80\x99s financial condition at any time whatsoever,\nand the Bank may obtain a current credit bureau report and ask any\nCardholder for current financial information in connection with any\nsuch reevaluation. The Bank shall have the right to immediately, without\nany notice whatsoever, increase or decrease the approved credit limit\nor to revoke all rights to use the Account based upon the results of a\nreevaluation.\n\n8.\n\nTransactions. The Cardholder shall retain, for verification by the monthly\nbilling statements sent to the Cardholder, copies of each charge ticket,\nslip, or other evidence of a transaction obtained in connection with each\nPurchase, Balance Transfer, Cash Advance, or other transaction on\nthe Account. The Bank shall provide the Cardholder with a copy of its\ndocumentary evidence of a transaction on the Account upon receipt of\nthe Cardholder\xe2\x80\x99s reasonable request or upon written notice of a billing\nerror given to the Bank in accordance with the terms of this Agreement.\nUnless the documentary evidence is requested in connection with a\nbilling error inquiry, the Bank may, subject to applicable law, impose a\nreasonable charge to cover its cost of supplying the evidence.\n\n9.\n\nCash Advances. The Cardholder agrees not to permit the total of the\nCardholder\xe2\x80\x99s unpaid Cash Advances, when added to the total unpaid\nPurchases, Balance Transfers, interest charges, and other charges, to\nexceed at any time the approved credit limit on the Account.\n\n10. Monthly Billing Cycle. The Bank shall send the Cardholder a monthly\nbilling statement when there is a debit or credit balance in excess of $1.00\nor when an interest charge is imposed. The monthly billing statement\nshall show, among other things, all Purchases, Balance Transfers, Cash\nAdvances, interest charges, other charges, the minimum payment due,\nthe payment due date, payments made by the Cardholder, credits, the\nPrevious Balance on the Account, and the New Balance on the Account.\nThe Cardholder shall pay the Bank the full amount owed on the Account,\nas shown on the monthly billing statement, within 25 days from the\nbilling date shown on the statement, or the Cardholder shall pay such\namount in installments in accordance with the terms and conditions of\nthis Agreement.\n11. Truth in Lending and Related Disclosures. The words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d and\n\xe2\x80\x9cyours\xe2\x80\x9d used in this section of this Agreement refer to all Cardholders.\nThe words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d used in this section of this Agreement\nrefer to the Bank.\n\n(A) Interest Charges.\n(1) Circumstances Under Which An Interest Charge Will Be\nImposed.\n(a) Purchases. An interest charge will be imposed on\nPurchases outstanding during a Billing Cycle (including\ncurrent Purchases) at the Monthly Periodic Rate for\nPurchases when there is a Previous Balance outstanding\nand it is not paid in full during the first 25 days of the\nBilling Cycle. You may avoid paying an interest charge\non current Purchases included in the New Balance by\npaying the entire New Balance in full within 25 days after\nthe Closing Date of the Billing Cycle during which the\ncurrent Purchases are charged to your Account.\n(b) Balance Transfers. An interest charge calculated based\non the Monthly Periodic Rate for Balance Transfers will\nbe imposed on Balance Transfers outstanding during\na Billing Cycle. A new Balance Transfer will accrue an\ninterest charge from the date when the transaction is\nposted to your Account until the date of the payment.\nThere is no time period within which to pay to avoid\ninterest charges on Balance Transfers.\n(c) Cash Advances. An interest charge in the form of\nthe Monthly Periodic Rate for Cash Advances will be\nimposed on Cash Advances outstanding during a Billing\nCycle. New Cash Advance transactions will accrue an\ninterest charge from the date of the transaction until the\ndate of payment. There is no time period within which to\npay to avoid these interest charges on Cash Advances.\n(2) Balance Upon Which An Interest Charge Will Be Imposed.\nWe figure a portion of the interest charge on the Account by\napplying a Monthly Periodic Rate to each of the \xe2\x80\x9caverage daily\nbalances\xe2\x80\x9d of Purchases (including current transactions),\nBalance Transfers, and Cash Advances and adding the results.\n(a) To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Purchases, we take\nthe beginning balance of your Account each day, add any\nnew Purchases as of the date the transaction is posted\nto your Account, and subtract any payments or credits,\nunpaid interest charges, and other charges, as of the date\nof posting, and outstanding Cash Advances and Balance\nTransfers. This gives us the daily balance for Purchases.\nThen we add all these daily balances for the Billing Cycle\ntogether and divide the total by the number of days in the\nBilling Cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of\nPurchases. If the Previous Balance is paid in full during\nthe first 25 days of the Billing Cycle, the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of Purchases will be considered to be $0.\n(b) To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Balance Transfers,\nwe take the beginning balance of your Account each\nday, add any new Balance Transfers as of the date the\ntransaction is posted to your Account, and subtract any\npayments or credits, unpaid interest charges and other\ncharges, as of the date of posting, and outstanding Cash\nAdvances and Purchases. This gives us the daily balance\nfor Balance Transfers. Then we add all of these daily\nbalances for the Billing Cycle together and divide the total\nby the number of days in the Billing Cycle. This gives us\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Balance Transfers.\n(c) To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Cash Advances, we\ntake the beginning balance of your Account each day, add\nany new Cash Advances as of the date of the transaction\nand subtract any payments or credits, unpaid interest\ncharges and other charges, as of the date of posting, and\noutstanding Purchases and Balance Transfers. This gives\nus the daily balance for Cash Advances. Then, we add\nall of these daily balances for the Billing Cycle together\nand divide the total by the number of days in the Billing\nCycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Cash\nAdvances.\n(3) Determining the Amount of the Interest Charge. The interest\ncharge imposed during a Billing Cycle will be determined by\nmultiplying each of the average daily balances of Purchases,\nBalance Transfers and Cash Advances by the applicable\nMonthly Periodic Rate. The Monthly Periodic Rates and the\nANNUAL PERCENTAGE RATES for Purchases, Balance\nTransfers and Cash Advances imposed on your Account\nduring a Billing Cycle will be variable rates that are subject\nto change from Billing Cycle to Billing Cycle. The variable\nANNUAL PERCENTAGE RATES for Purchases, Balance\nTransfers and Cash Advances will be determined based on\nthe \xe2\x80\x9cPrime rate for the U.S.\xe2\x80\x9d designated in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d\nsection appearing in each issue of The Wall Street Journal. If\nmore than one Prime rate is designated for the U.S. on the date\nof a variable rate adjustment, we may choose the highest of\nsuch Prime rates. Any change in the Prime rate will generally\nresult in a change in the ANNUAL PERCENTAGE RATES for\nPurchases, Balance Transfers or Cash Advances under your\nAccount. The amounts that your ANNUAL PERCENTAGE\nRATES for Purchases, Balance Transfers and Cash Advances\nchange may also be affected by the Account\xe2\x80\x99s maximum\nANNUAL PERCENTAGE RATE (described below). The current\nvariable Monthly Periodic Rates and the corresponding\nANNUAL PERCENTAGE RATES for Purchases, Balance\nTransfers and Cash Advances are disclosed on the card mailer\nform that accompanies your Card and this Agreement.\n(a) Purchases. 0.0% Introductory APR.\nFor the first seven complete Billing Cycles after your\nAccount is opened, the ANNUAL PERCENTAGE RATE\nfor Purchases made under your Account will be 0.00%\n(corresponding Monthly Periodic Rate: 0.00%). For these\npurposes, we will deem your Account to be opened ten\ndays after we mail your Card to you. Beginning with the\nfirst day of the eighth Billing Cycle after your Account is\nopened, we will determine your ANNUAL PERCENTAGE\nRATE for Purchases subject to an interest rate for each\nBilling Cycle by adding a Margin of 9.74% to 14.74%,\nbased upon your creditworthiness at the time of Account\nopening, to the Prime rate in effect on the last day of\nthe prior Billing Cycle. Your Monthly Periodic Rate for\nPurchases will be 1/12 of the corresponding ANNUAL\nPERCENTAGE RATE. However, in no event will your\nMonthly Periodic Rate for Purchases exceed 1.50%\n(corresponding ANNUAL PERCENTAGE RATE of 18%).\n(b) Balance Transfers. 1.90% Introductory APR.\nFor the first twelve complete Billing Cycles after your\nAccount is opened, the ANNUAL PERCENTAGE RATE\nfor the outstanding balance of Balance Transfers made\nunder your Account will be 1.90% (corresponding\nMonthly Periodic Rate: 0.158%). For these purposes, we\nwill deem your Account to be opened ten days after we\nmail your Card to you. Beginning with the first day of\nthe thirteenth Billing Cycle after your Account is opened,\nwe will determine your ANNUAL PERCENTAGE RATE for\nthe outstanding amount of your Balance Transfers by\nadding a Margin of 9.74% to 14.74%, based upon your\ncreditworthiness at the time of Account opening, to the\nPrime rate in effect on the last day of the prior Billing\nCycle. Your Monthly Periodic Rate for Balance Transfers\nwill be 1/12 of the corresponding ANNUAL PERCENTAGE\nRATE. However, in no event will your Monthly Periodic\nRate for Balance Transfers exceed 1.50% (corresponding\nANNUAL PERCENTAGE RATE of 18.00%)\n(c) Cash Advances. We will determine your ANNUAL\nPERCENTAGE RATE for Cash Advances for each Billing\nCycle by adding 14.75% to the Prime rate in effect on the\nlast day of the prior Billing Cycle. Your Monthly Periodic\nRate for Cash Advances will be 1/12 of the corresponding\nANNUAL PERCENTAGE RATE. However, in no event will\nyour Monthly Periodic Rate for Cash Advances exceed\n1.50% (corresponding ANNUAL PERCENTAGE RATE of\n18.00%).\n(B) Other Charges.\n(1) Late Payment Fee. If you do not make a payment on your\nAccount at least equal to the minimum monthly payment\ndue on your current monthly billing statement within ten (10)\ndays of the payment due date shown on your current monthly\nbilling statement, you agree to pay a late payment fee of up\nto $15.00. The late payment fee will be reflected in the New\nBalance of your Account.\n(2) Returned Payment Fee. You agree to pay a returned payment\nfee of up to $25 whenever your payment, whether in the form\nof a check or other instrument or an electronic payment, is\nreturned to us unpaid because of an insufficient balance in\nyour deposit account. The returned payment fee will be\nreflected in the New Balance of your Account.\n(3) Balance Transfer Fee. Each time you transfer all or part of the\nbalance of another loan or credit card account to your Account\nwith us, we will assess a Balance Transfer fee equal to 3% of\nthe amount of the Balance Transfer, up to a maximum of $50\nper Balance Transfer. The Balance Transfer fee will be reflected\nin the New Balance of your Account.\n(4) Cash Advance Fee. Each time you obtain a Cash Advance\nunder your Account, we will assess a Cash Advance fee\nequal to 3.0% of the amount of the Cash Advance. The Cash\nAdvance fee will be reflected in the New Balance of your\nAccount.\n(C) Security Interest. If we now or hereafter hold any title, mortgage,\nchattel mortgage, assignment, pledge, or security interest in any of\nyour property, it may be that the terms of the instrument creating\nsuch title, mortgage, chattel mortgage, assignment, pledge, or\nsecurity interest will also secure your obligations on the Account. If\nyou have mortgaged or otherwise granted in favor of us a security\ninterest or shall hereafter mortgage or otherwise grant in favor of\nus a security interest in your personal residence as collateral or\nas security for any indebtedness now or hereafter owed to us, it\nis hereby understood and agreed that we hereby waive any claim,\nright, mortgage, or security interest we might acquire against your\npersonal residence as collateral or as security for any obligation\nto us arising from or on the Account, from the use of any Card, or\nunder this Agreement. We expressly reserve all rights not expressly\nwaived in this Agreement under any mortgage or security interest\nwe may have in your personal residence.\n(D) Your Liability for Unauthorized Use of Your Card. You may be\nliable for the unauthorized use of your Card. You will not be liable\nfor unauthorized use that occurs after you notify us at\nHancock Whitney Bank\nCredit Card Center\nPO Box 61750\nNew Orleans, LA 70161-1750\n1-800-448-8812\norally or in writing of the loss, theft, or possible unauthorized use.\nIn any case, your liability will not exceed $50.\n(E) Your Billing Rights: Keep This Document For Future Use.\nThis notice tells you about your rights and our responsibilities under\nthe 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, or if you need more\ninformation about a transaction on your statement, write to us on a\nseparate sheet at the address listed on your statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it\nis a mistake. If you need more information, describe the item\nyou are not sure about.\n. . . CONTINUED ON REVERSE SIDE\n\nJOB SPECS:\nFlat Size:\n6.75\xe2\x80\x9d x 26.75\xe2\x80\x9d\nFinished Size:\n6.75\xe2\x80\x9d x 3.5\xe2\x80\x9d\nColors:\nFront: Black\nBack: Black\nBleed: None\nNote: Removed (R) from\nSection 1 because it was\na duplicate of (Q)\n\n\x0cYou 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. You may call\nus, but if you do we are not required to investigate any potential\nerrors 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\nwe received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct. In\nyour letter, give us the following information:\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 you\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible 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 as\ndelinquent if you do not pay the amount we think you owe.\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.\nIf we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your 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 to\ncorrect the problem with the merchant, you may have the right not\nto 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 or\nwithin 100 miles of your current mailing address; and the\npurchase price must have been more than $50.00. (Note:\nNeither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. 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 have fully paid for the purchase. If all of the\ncriteria above are met and you are still dissatisfied with the\npurchase, contact us in writing on a separate sheet at the\naddress listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\n12. Minimum Monthly Payment. The Cardholder shall pay at least the\nminimum payment due shown on the monthly billing statement. The\nminimum monthly payment will always be rounded up to the nearest\ndollar. If the Cardholder fails to pay the minimum monthly payment, the\nCardholder\xe2\x80\x99s and any Authorized Users\xe2\x80\x99 right to use the Account and any\nCard may be revoked or terminated. The Cardholder shall have the right\nto pay an amount in excess of the minimum monthly payment or the\nentire unpaid balance due on the Account at any time. The Cardholder\nshall send the minimum monthly payment to the Bank at its designated\npayment address provided on the monthly billing statement so that\nit will be received on or before the payment due date shown on the\napplicable monthly billing statement. The minimum monthly payment\neach month shall be the greater of (i) $10.00 or (ii) 2% of the total\noutstanding balance due on the Account as of the monthly billing date or\n(iii) the total of any interest charge and all outstanding charges and fees.\nIf applicable, the minimum monthly payment will also include the greater\nof the past due amount of any prior minimum monthly payments or the\namount by which the outstanding unpaid balance exceeds the approved\ncredit limit on the Account. If the total outstanding unpaid balance due\non the Account is less than $10.00, the minimum monthly payment due\nshall be such balance. The Cardholder may prepay the Account in whole\nor in part at any time without penalty. Any partial prepayment shall not\naffect the obligation to make subsequent minimum monthly payments,\nand an interest charge will continue to accrue on any remaining balance\non the Account. An increase in the ANNUAL PERCENTAGE RATE may\nincrease the Cardholder\xe2\x80\x99s interest charges, minimum monthly payment\namount, and/or number of minimum monthly payments required to be\nmade.\n13. Application of Payments and Credits. We will apply minimum monthly\npayments we receive, as well as credits to your Account other than\npayments, to your Account indebtedness in the order we deem\nappropriate. Payment amounts in excess of the minimum monthly\npayment will be applied first to the balance with the highest ANNUAL\nPERCENTAGE RATE and then to each successive balance bearing the\nnext highest ANNUAL PERCENTAGE RATE.\nAny payment received by the Bank at its designated payment address\nprovided on the monthly billing statement prior to 5:00 P.M. CST on a\nbanking day shall be credited to the Account as of the date the payment\nwas received, but the Bank shall have the right to limit the amount of\ncredit available for the Account based on a payment until the check or\nother payment instrument is actually paid by the drawee. There may be\na delay in crediting any payments received by the Bank at its designated\npayment address provided on the monthly billing statement after\n5:00 P.M. CST on any date.\n14. Irregular Payments. If the Cardholder or any other person or entity,\nincluding without limitation, a Cardholder on a joint Account or an\nAuthorized User, marks a check, money order, or other instrument given\nfor payment on the Account \xe2\x80\x9cPaid in Full\xe2\x80\x9d or with a similar phrase, the\nBank shall have the right to accept the payment, disregard the markings\nand the Cardholder shall remain obligated to pay in full any remaining\namounts owed to the Bank on the Account. The Bank has the right to\naccept late payments or partial payments without losing any of its rights\nunder this Agreement.\n15. Ownership of Cards. All Cards are owned by and are the property of the\nBank. All Cards must be returned to the Bank immediately upon demand\nfrom the Bank. The Cardholder shall destroy any Card the Bank requests\nthe Cardholder to destroy by cutting the Card in half, and upon the\nBank\xe2\x80\x99s request, the Cardholder shall hand deliver or mail the destroyed\nCard to the Bank.\n16. Foreign Exchange/Currency Conversions/International Transactions.\nIf you use your Card for transactions in a currency other than U.S. Dollars,\nthe exchange rate between the transaction currency and the billing\ncurrency used for processing International Transactions is selected by\nthe applicable network (e.g., Visa, Mastercard, Cirrus, Plus, etc.). We do\nnot determine the currency conversion or exchange rate that is used. If\nthe applicable network is Visa, the exchange rate is a) a rate selected by\nVisa from the range of rates available in wholesale currency markets for\nthe applicable central processing date, which rate may vary from the rate\nVisa itself receives, or b) the government-mandated rate in effect for the\napplicable central processing date. The exchange rate that is in effect on\nthe processing date may differ from the rate in effect on the transaction\ndate or the posting date. If the transaction is a refund, and the refund\nhas a different processing date, then the exchange rate of the refund can\nbe greater/less than that of the original transaction. You agree to accept\nthe converted amount in U.S. dollars. An \xe2\x80\x9cInternational Transaction\xe2\x80\x9d is\ndefined as any transaction where the Bank\xe2\x80\x99s country (the United States)\nis different than the country where the transaction was completed (i.e.,\nwhere the merchant is located), whether or not a currency conversion is\ninvolved (i.e., even if the transaction is conducted in U.S. dollars).\n17. Loss or Theft of a Card. The Cardholder shall notify the Bank\nimmediately of the loss, theft, or unauthorized use of a Card by\ncalling the Bank at 1-800-844-4450. Cardholder will cooperate with\nBank\xe2\x80\x99s reasonable investigation of any claim of unauthorized use of\nCardholder\xe2\x80\x99s Card, including providing a written signed statement\nregarding the unauthorized use.\nAdditionally, if the Cardholder has any questions about the Card or how\nit works, other than billing inquiries, mistakes, or disputes, please call us\nat 1-800-844-4450. If you have billing questions, mistakes, or disputes\nto ask or report, please follow all the instructions herein or on your\nmonthly billing statement.\n18. Refunds and Adjustments. If any merchant or business agrees to\ngive the Cardholder or any Authorized User a refund or adjustment in\nconnection with a Purchase, the Cardholder shall accept a credit to the\nAccount in lieu of a cash refund or adjustment.\n19. Honoring the Card. The Cardholder agrees that neither the Cardholder\nnor any Authorized User shall have any legal claims or rights against\nthe Bank if a merchant, business, or financial institution refuses for any\nreason whatsoever to accept a Card.\n20. Credit Reports. The Cardholder authorizes the Bank to report the\nCardholder\xe2\x80\x99s performance under this Agreement to credit reporting\nagencies and to any other person or entity who may properly receive\nsuch information, and the Bank shall have the right to obtain reports\nof the Cardholder\xe2\x80\x99s credit history from credit reporting agencies and\nto make any credit, employment, and investigative inquiries that the\nBank in its sole discretion deems appropriate in connection with any\nextension of credit on the Account or the collection of amounts owing\non the Account.\n21. Refusal to Honor Credit Requests. The Bank shall have the right to\ndeny access to credit on the Account or to refuse to honor any Card,\neven though the Account has not been terminated or closed, if any of the\nfollowing events occur:\n(a) The Cardholder does not make at least the minimum monthly\npayment due shown on the most recent monthly billing statement\non or before the payment due date;\n(b) The Cardholder becomes delinquent on any other obligation owed\nto the Bank or on any obligation owed to any other person or entity;\n(c) The Cardholder or any Authorized User exceeds the approved credit\nlimit;\n(d) A request for additional credit on the Account would cause the\napproved credit limit to be exceeded;\n(e) The Bank is advised by a credit reporting agency or by any other\nappropriate source that the Cardholder\xe2\x80\x99s financial condition has\ndeteriorated significantly;\n(f) The Cardholder\xe2\x80\x99s debt owed to, or the Cardholder\xe2\x80\x99s available\nunused credit line from, other lenders becomes excessive in the\nBank\xe2\x80\x99s sole opinion;\n(g) The Cardholder dies, becomes imprisoned, is declared legally\nincompetent, or becomes insolvent;\n(h) The Cardholder gives false or misleading information to the Bank at\nany time;\n(i) The Bank has reasonable cause to believe that the Cardholder will\nnot be able to repay the amounts owed to the Bank, for any reason,\nincluding, but not limited to, the Cardholder\xe2\x80\x99s unemployment;\n(j) A proceeding has been filed by or against the Cardholder for\nbankruptcy, arrangement, reorganization, or any other relief\n\nafforded debtors or affecting rights of creditors generally under the\nUnited States Bankruptcy Code or under any state or federal law;\n(k) The Cardholder has sent the Bank more than one payment within\na twelve (12) month period that has been returned unpaid for any\nreason;\n(l) The Cardholder has notified the Bank or the Bank has otherwise\ndetermined that a Card has been lost or stolen; or\n(m) The Cardholder fails to comply with any terms or conditions of this\nAgreement.\nThe Cardholder agrees that neither the Cardholder nor any Authorized\nUser shall have any legal claims or rights against the Bank if, for the\nreasons set forth above, the Bank denies or rejects a request from the\nCardholder or any Authorized User for credit or for the use of the Card\nor the Account.\n22. Default. If any of the events listed in Section 21 above occurs, the Bank\n(a) shall have the right to declare the Cardholder and the Account to be in\ndefault under this Agreement without giving prior notice to the Cardholder\nand (b) shall have the right to declare any amounts owed to the Bank\non the Account to be immediately due and payable without notice or\ndemand. The Bank\xe2\x80\x99s acceptance of any payment on the Account after\nthe Cardholder has been declared to be in default shall not waive the\ndefault. After the Cardholder has been declared to be in default, neither\nthe Cardholder nor any Authorized User shall be permitted to use a Card\nor the Account to obtain Cash Advances or to make Purchases or to\nobtain credit from the Bank on the Account in any other manner. If the\nBank refers the Account to an attorney for collection after the Account\nhas been declared to be in default, the Cardholder agrees to pay the\nreasonable fees of the attorney, not to exceed 25% of the unpaid debt\nafter default or the maximum amount permitted by applicable law; and,\nto the extent permitted by applicable law, all other charges, fees, and\ncosts incurred by the Bank in connection with collecting the amounts\ndue and owing on the Account. The Bank\xe2\x80\x99s failure to exercise or the\nBank\xe2\x80\x99s delay in exercising any of its rights under this Agreement shall\nnot be deemed a waiver of those rights and shall not be deemed a waiver\nof the Bank\xe2\x80\x99s right to later exercise its rights under this Agreement.\n23. Closing the Account. The Bank shall have the right to close, terminate,\nor cancel the Account at any time, and, in this case, the Cardholder\nagrees to pay the Bank all amounts due as required in this Agreement\nunless the Cardholder is in default under this Agreement and the Bank\nrequires immediate payment of the entire outstanding unpaid balance\non the Account. If immediate payment of such balance is required,\nthe Bank shall also have the right to require immediate payment of\nany other obligations owed by the Cardholder to the Bank. Without\nlimiting the foregoing, the Bank shall have the right to close the Account\nif the Account has been inactive for six (6) consecutive months. The\nCardholder may close, terminate, or cancel the Account at any time\nby notifying the Bank in writing and returning all Cards issued in\nconnection with the Account. The Cardholder shall remain liable for\ncontinued charges against the Account after the Account is closed\nby the Cardholder until and unless all Cards have been returned to the\nBank. Each joint Cardholder authorizes each other Cardholder to close\nor terminate the Account by written notice to the Bank. All Cardholders\nshall remain jointly, severally, and solidarily liable for the payment of\nall outstanding unpaid amounts due on the Account. If a joint Account\nis terminated, any approval of a new Visa Classic or Platinum Card\naccount application by a former joint Cardholder may be conditioned by\nthe Bank upon the repayment of the entire outstanding unpaid amounts\ndue on the Account prior to the opening of an account pursuant to the\nnew application.\n24. Change in Terms. Subject to any requirements under law, the Bank\nshall have the right to change any of the terms of this Agreement at\nany time whatsoever. The Cardholder shall be given any prior written\nnotice of the change that is required by law, either by including a notice\non the monthly billing statement or by sending a separate notice to\nthe Cardholder. Subject to any requirements of applicable law, any\namendment to this Agreement shall become effective at the time stated\nin the Bank\xe2\x80\x99s notice to the Cardholder, and, subject to any requirements\nof applicable law, the amendments to this Agreement shall apply to\nall outstanding unpaid indebtedness on the Account at the time the\namendments are effective and to all new transactions on the Account\nafter the amendments become effective. If, under applicable law, the\nCardholder\xe2\x80\x99s approval is required for any amendment to this Agreement,\nthat approval may be evidenced by the Cardholder\xe2\x80\x99s written consent\nto the amendment or, as permitted by law, by the use of a Card or the\nAccount by the Cardholder or any Authorized User after the date of the\nnotice that was given by the Bank to the Cardholder, which date may or\nmay not be the date the amendment becomes effective. If the Cardholder\ndoes not agree to a change in the terms of this Agreement that requires\nthe Cardholder\xe2\x80\x99s approval, the Cardholder may pay off under the terms\nof this Agreement prior to its amendment all indebtedness owed on the\nAccount prior to the date that the amendment becomes effective, but,\nin that case, neither the Cardholder nor any Authorized User shall have\nthe right to use the Account or any Card after the amendment becomes\neffective.\n25. Transfer of the Account. The Bank shall have the right to assign and\ntransfer to another person or entity, at any time without prior notice to the\nCardholder, the Bank\xe2\x80\x99s rights under this Agreement and any or all of the\nobligations of the Cardholder owed to the Bank under this Agreement or\non the Account. The Cardholder\xe2\x80\x99s rights under this Agreement shall not,\nhowever, be transferred by operation of law or by the Cardholder, but all\nof the Cardholder\xe2\x80\x99s obligations under this Agreement shall be binding on\nthe Cardholder\xe2\x80\x99s estate, heirs, legatees, and personal representatives.\n26. Notices. The Bank shall send all monthly billing statements and any\nnotices in connection with the Account to the Cardholder\xe2\x80\x99s address as\nshown in the Bank\xe2\x80\x99s most recent records. The Cardholder agrees to\ngive the Bank notice of any change in the Cardholder\xe2\x80\x99s address at least\nfifteen (15) days prior to the change. Any notices from the Cardholder\nto the Bank, including a notice of a change of address, shall be effective\nwhen received by the Bank at the Bank\xe2\x80\x99s address for receipt of payments\nshown on any monthly billing statement mailed by the Bank to the\nCardholder within the preceding sixty (60) days. The Bank shall have\nthe right to accept corrections or changes to the Cardholder\xe2\x80\x99s address\nfrom the United States Postal Service. If the Account is a joint Account,\nthe Bank may send monthly billing statements and notices to any\nCardholder and shall not be responsible or liable for sending statements\nor notices to any other Cardholder.\n27. Captions and Headings. Captions and headings used in this Agreement\nare intended solely for convenience of reference and shall not be\ndeemed to be a substantive part of this Agreement.\n28. Governing Law. This Agreement, the Account, and the Bank\xe2\x80\x99s rights and\nduties and the Cardholder\xe2\x80\x99s rights and obligations under this Agreement\nand on the Account shall be governed by and interpreted in accordance\nwith federal law and the laws of the State of Louisiana. If and to the\nextent the choice of such laws is not fully effective, the mandatory laws\nof the state where the Cardholder resides shall govern this Agreement\nand the Account. The Account and the Cards have been applied for,\nconsidered, approved, and issued or opened in the State of Louisiana,\nand all extensions of credit under this Agreement are being made by the\nBank in the State of Louisiana.\n29. Severability. If any term, provision, or section of this Agreement is\nheld to be invalid or unenforceable under any statute, court decision, or\ngovernmental rule or regulation, the remainder of this Agreement shall\nremain in full force and effect.\n\nIMPORTANT INFORMATION ABOUT THE MILITARY\nLENDING ACT\xe2\x80\x94\nADDITIONAL TERMS AND CONDITIONS FOR ACTIVE DUTY\nSERVICEMEMBERS AND DEPENDENTS\nThe following additional disclosures and terms will apply to this Agreement\nand your Account if one or more of you is a \xe2\x80\x9ccovered borrower,\xe2\x80\x9d as that\nterm is defined in the Military Lending Act, 10 U.S.C. \xc2\xa7 987, and related\nregulations of the U.S. Department of Defense. Please read the following\nadditional disclosures and terms, which will be applicable to this Agreement\nand your Account.\nNothing contained in this Agreement shall constitute a waiver of your\nright to legal recourse under any otherwise applicable provision of State\nor Federal law, including any provision of the Servicemembers Civil\nRelief Act (50 U.S.C. App. 501 et seq.) or the Military Lending Act ( 10\nU.S.C. 987) and related regulations. Any provision of this Agreement\nwhich may be deemed contrary to or a violation of the aforementioned\nState or Federal laws shall be severed and deleted from this Agreement,\nbut shall not invalidate the other remaining provisions of this Agreement.\nAll other remaining provisions of this Agreement shall remain in full force\nand effect.\nNotwithstanding anything contained in this Agreement to the contrary,\nany prohibited notice, waiver, right of setoff, arbitration, or other\nterms and conditions under the Military Lending Act (10 U.S.C. 987)\nand related regulations of the U.S. Department of Defense that would\notherwise be applicable to non-covered borrowers, including, but not\nlimited to, any such terms in those Sections of the Agreement entitled\n\xe2\x80\x9cCredit Limit,\xe2\x80\x9d \xe2\x80\x9cSecurity Interest,\xe2\x80\x9d \xe2\x80\x9cDefault,\xe2\x80\x9d \xe2\x80\x9cClosing the Account,\xe2\x80\x9d\nChange in Terms,\xe2\x80\x9d \xe2\x80\x9cTransfer of the Account,\xe2\x80\x9d and \xe2\x80\x9cNotices,\xe2\x80\x9d shall not\nbe enforceable against you, as a covered borrower, with respect to this\nAgreement, your Account, or any extension of credit covered by this\nAgreement. As it relates to any covered borrower, any such terms of\nthis Agreement which may be deemed prohibited by or a violation of\nthe aforementioned Military Lending Act and related regulations of the\nU.S. Department of Defense shall be severed and deleted from this\nAgreement, but shall not invalidate the other remaining provisions of\nthis Agreement. All other remaining provisions of this Agreement shall\nremain in full force and effect.\nAny separate agreement to arbitrate disputes you may have with us shall\nnot be enforceable against any covered borrower, or person who was\na covered borrower when the agreement was made, with respect to\nthis Agreement, your Account, or any extension of credit covered by\nthis Agreement.\nFederal law provides important protections to members of the Armed Forces\nand their dependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees for a\ncredit card account).\nPayment Obligation: Federal law requires that you receive a clear description\nof your required payments. Please review the disclosures and this Agreement\ncarefully to understand your payment obligations.\nPlease call (800) 448-8812 to receive a Statement of the Military Annual\nPercentage Rate and a description of your payment obligation\n\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR\nOPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering\nactivities, Federal law requires all financial institutions to obtain, verify, and\nrecord information that identifies each person who opens an account.\nWhat this means for you:\n\xe2\x80\xa2 When you open an account, we will ask for your name, address, date of\nbirth, and other information that will allow us to identify you.\n\xe2\x80\xa2 We may also ask to see your driver\xe2\x80\x99s license or other identifying\ndocuments.\nIf you fail to provide the required information or documents used to verify your\nidentity within a reasonable period of time of establishing an account, we will\ninitiate procedures to restrict access to or close your account.\nHancock Whitney thanks you for your understanding and for joining us in\nsecuring a safer tomorrow.\nMember FDIC\nF03-W940-5\n\n\x0c'