WHITNEY BANK CARDHOLDER 
AGREEMENT AND  DISCLOSURE 
STATEMENT 
This  Cardholder  Agreement  and  Disclosure  Statement  is  the  contract  that 
governs  the  use  of  a  Whitney  Visa®   Platinum  Card  Account.  This  Cardholder 
Agreement  and  Disclosure  Statement  contains  (1)  the  terms  and  conditions 
that  bind  the  user  of  any  Whitney  Visa  Platinum  Card Account  or  any  Whitney 
Visa  Platinum  Card  issued  in  connection   with  the  Account  and  (2)  the 
disclosures  required  by  the  Federal Truth  in  Lending  Act.  Use  of  the  Whitney 
Visa Platinum  Card by  the Cardholder or  any  Authorized  User shall  indicate  that 
the  Cardholder  has  agreed  to  pay  all  amounts  due  in  accordance  with  the 
terms of this Cardholder Agreement and Disclosure Statement. 

1.    Definitions.  The following definitions apply to  the terms used in  this 
Cardholder  Agreement  and  Disclosure  Statement  or  used  in  the  monthly 
billing statement for a Whitney Visa Platinum Card account: 
(A)  “Account” means  the  account  for  which  a  Cardholder is  issued  one 

or more cards. 

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(B)  “Authorized User” means  any  person  a  Cardholder  has  authorized  to 
use  a  Card  or  to  obtain  credit  on  an  Account,  whether  or  not  the 
Authorized  User  is  named  in  the  Cardholder’s  application  or  request 
for a Card or an Account. 

(C)  “Agreement”  means  this  Cardholder  Agreement  and  Disclosure 

Statement. 

(D)  “Balance  Transfer”  means  a  balance  from  a  loan  or  account  that 
Cardholder  owes  to  another  creditor  or  financial  institution  that  Bank 
allows  a Cardholder to transfer to the Account. 

(E)  “Bank” means Whitney Bank. 
(F)  “Billing  Cycle”  means  the  time  interval  between  monthly   billing 
statement  dates for  monthly  billing  statements  issued  pursuant  to  the 
terms of this Agreement. 

(G)  “Card” means  each  Whitney  Visa  Platinum  Card  issued  by  the  Bank 

to a Cardholder. 

(H)  “Cardholder”  means  each  natural  person  or  organization,  including, 
without  limitation,  a  corporation,  partnership,  proprietorship, 
association,  cooperative,  estate, trust  or  government  unit,  to  whom  a 
Whitney  Visa  Platinum  Card  is  issued  pursuant  to  the  request  or 
application of that person or organization. 

(I)  “Cash  Advance”  means  any  extension  of  credit  obtained  from  the 
Bank  or  another  financial  institution  that  accepts  Visa  credit  cards, 
including cash obtained from an automated teller machine. 
(J)  “Closing Date” means the date on the last day of a Billing Cycle. 
(K)  “Monthly Periodic  Rate” means  the percentage rate of  interest  charge 

imposed  against the outstanding balance on a monthly  basis. 

(L)  “New  Balance”  means  the  balance  outstanding  on  the  Account  on 

the Closing Date. 

(M)  “Previous Balance” means  the  outstanding  unpaid  balance  on  the 

Account  at the beginning of the Billing Cycle. 

(N)  “Purchase” means  the  purchase  or  lease of  goods  and  the  purchase 
of  services  and  insurance  from  merchants  or  businesses  that  accept 
Visa credit cards through the use of a Card or the Account. 

(O)  “Whitney Bank” means  a  banking  subsidiary  of  Hancock  Holding 

Company. 

2.    Agreement.  Pursuant  to  the  Cardholder’s request or  application,  the Bank 
has  established  an Account  in  the name  of  the  Cardholder and has  issued 
one or  more  Cards to  the Cardholder. By  requesting  or  applying  for  a Card 
or  an Account,  retaining  a Card, signing  a Card, using  a Card, or  using  the 
Account,  the Cardholder has  agreed to  the terms  and conditions  contained 
in  this  Agreement.  This  Agreement  governs  the  Account  and  the  use  of 
any  Card  issued  to  the  Cardholder  in  connection  with  the  Account.  The 
Bank  agrees  to  pay  the  applicable  merchant  or  business,  in  accordance 
with  the  terms  and  conditions  of  this  Agreement,  for  the  Purchases  that 
the  Cardholder  or  an  Authorized  User  makes  with  a  Card,  and  the  Bank 
agrees  to  make  Cash  Advances,  in  accordance  with  the  terms  and 
conditions  of  this  Agreement, to  the Cardholder or  an Authorized User. The 
Cardholder  authorizes  the  Bank  to  charge  the  Account  for  all  amounts  the 
Bank  pays  on  Purchases,  for  all  amounts  the  Bank  advances  to  any 
Cardholder or  Authorized  User on  Cash Advances,  and  for  all  amounts  the 
Bank  advances  or  pays  to  third  parties  on  behalf  of  a  Cardholder  or  an 
Authorized  User,  including  any  amounts  advanced  on  behalf  of  the 
Cardholder or  an Authorized User as a result  of  the use of  a Card to  obtain 
any  services  offered  by  VISA U.S.A.,  Inc.  Bank may  allow  a  Cardholder  to 
transfer  to  the  Account  balances  that  the  Cardholder  owes  to  other 
creditors  or  financial  institutions,  up  to  the  amount  of  the  Account  credit 
limit  that  Bank  makes  available  for  Balance  Transfers.  If  Cardholder 
requests  a  Balance  Transfer,  Cardholder  agrees  to  monitor  each  account 
from  which  a  balance  is  being  transferred  and  continue  making  the 
minimum  payment  due on  that  account  until  the other  creditor  or  financial 
institution  provides  an  account  statement  that  shows  the  balance  of 
Cardholder’s  other  account  has  been  paid  in  full,  if  applicable.  This  may 
not  occur  until  after  the  Balance  Transfer  appears  on  a  billing  statement 
from  Bank.  Cardholder is  liable  for  any  late payments,  interest  charges  or 
disputed  amounts  on  the  other  account.  Cardholder  is  responsible  for 
instructing  Cardholder’s  other  creditor  or  financial  institution  to  close 
Cardholder’s other account  if  that is  Cardholder’s preference.  An  increase 
in  the  ANNUAL  PERCENTAGE RATE  may   increase   the  Cardholder’s 
interest  charges,  minimum  monthly  payment  amount,  and/or  number  of 
minimum  monthly payments required to be made. 

3.    Use  of  a Card/Account.  All  Cards  and/or  Accounts  shall  be  used  solely 
for  personal,  family,  or  household  purposes.  The  Cardholder  agrees  that 
all  Cards  and  Accounts  shall  be  used  solely  for  Purchases  and/or  Cash 
Advances  for  personal,  family,  household  or  other  consumer  purposes 
and  agrees  that  Purchases  and/or  Cash  Advances  for  business  purposes 
shall  not  be  obtained  through  a  Card  or  Account.  The Cardholder  and  any 
Authorized  User  may  use  a  Card  or  the  Account  for  Purchases,  and  the 
Cardholder  may  use  a  Card  or  the  Account  for  Cash  Advances.  The 
Cardholder or  an Authorized  User must  sign  the panel on  the back  of  each 
Card issued to the Cardholder. The effect  of using the Account  number  for a 
Purchase  or  a  Balance Transfer  or  to  obtain  a  Cash  Advance  without 
presenting  a Card,  as  in  a Purchase  or  Balance  Transfer  or  Cash  Advance 
made  or  arranged by  mail  or  telephone, shall  be  the  same  as  if  the  Card 
itself  were  presented  to  make  the  Purchase  or  Balance  Transfer  or  to 
obtain the Cash Advance. 

4.    Notice  Regarding  Illegal  Internet  Gambling  Transactions.  Pursuant  to 
the  Unlawful  Internet  Gambling  Enforcement  Act  of  2006  and  Regulation 
GG (collectively,   the  “Act”), this  is  to  notify  the  Cardholder that  items  and 
transactions  related  to  illegal  Internet  gambling  (“Restricted Transactions”) 
will  not  be  processed  through  your  Account(s).   Restricted  Transactions 
include  any  transactions  in  which  a gambling  or  gaming  business  accepts 
payment  in  connection  with  unlawful  Internet  gambling,  whether  by  credit 
card,  debit  card,  electronic  funds  transfers,  checks,  or  other  means.  The 
Bank shall  have no  liability  whatsoever  for  the refusal  or  return of  items  or 
transactions,  or  for  any  claims  or  losses  arising  from  or  related  to  its 
refusal  or  return  of  items  or  transactions,  and/or  its  closure  of  your 
Account(s),  believed by the Bank to be in violation of the Act. 

5.    Liability for  Payment.   The  Cardholder  authorizes  the  Bank  to  charge  the 
Account  for  all  Purchases,  Balance  Transfers  and  Cash  Advances 
resulting  from  the  use  of  the  Card  or  the  Account.  The  Cardholder  shall 
pay  to  the  Bank  all  amounts  owed  on  the  Account,  including,  without 
limitation,   the  amounts  paid  or  advanced  by  the  Bank  on  all  Purchases, 
Balance  Transfers  and  Cash  Advances,  any  interest  charges  assessed  on 
the  Account,  and  any  other  fees  and  charges  the  Cardholder  owes  to  the 
Bank  under  the  terms  of  this  Agreement,  by  any  method  of  payment  that 
is  acceptable  to  the  Bank  provided  it  is  in  United  States  dollars,  in 
accordance  with  the  terms  of  this  Agreement.  If  the  Account  is  a  joint 
Account,  each  Cardholder agrees to  pay  all  amounts  owed  to  the Bank on 
the Account.  Each Cardholder on  a joint  Account  shall  be jointly,  severally, 
and  solidarily  liable  for  the  payment  of  all  amounts  owed  to  the  Bank  on 
the  Account,  regardless  of  which  Cardholder or  Authorized  User  used  the 
Account. 

6.    Authorized  Users.  The  authorization  given  to  an  Authorized  User  by  the 
Cardholder  shall  continue  in  effect  as  long  as  the  Authorized  User  has 
possession  of  a  Card,  and  the  Cardholder  shall  be  liable  for  the  payment 
of  all  amounts  owing  on  the  Account  arising  from  an  Authorized  User’s 
use  of  a  Card  during  the  time  the  Authorized  User  has  possession  of  a 
Card. No revocation  of  the authorization  given to  an Authorized User by  the 
Cardholder  shall  be  effective  or  binding  on  the  Bank  until  the  Cardholder 
recovers  possession  of  the  Card  or  accounts  for  the  Card  to  the  Bank’s 
satisfaction. 

7.    Credit  Limit.  The  Bank,  upon  approving  the  Cardholder’s  application  for 
an  Account,  shall  establish  a  credit  limit  for  the  Account.  The  approved 
credit  limit  will  be  shown  on  the  card  mailer  form  and  on  each  monthly 
billing  statement.  The  Cardholder  agrees  not  to  exceed  the  credit  limit 
established  for  the  Account.  The  Bank  shall  have  the  right  to  demand 
immediate  payment  of  any  amount  by  which  the  balance  owing  on  the 
Account  at  any  time  exceeds  the  approved  credit  limit.  The  Cardholder 
may  request  an increase  in  the approved  credit  limit  after  the Account  has 
been  open  for  six  (6)  consecutive  months.  Any  such  increase  shall  be 
entirely  within  the  Bank’s  sole  discretion  and  may,  in  the  Bank’s  sole 
discretion,   be  conditioned   on  a  review  of  the  Cardholder’s  personal 
financial  circumstances   and  other  factors  that  might  warrant  an  increase 
in  the approved  credit  limit.  The Bank shall  have the right  to  reevaluate any 
Cardholder’s  financial  condition  at  any  time  whatsoever,  and  the  Bank 
may  obtain  a  current  credit  bureau  report  and  ask  any  Cardholder  for 
current  financial  information  in  connection  with  any  such  reevaluation. The 
Bank  shall  have  the  right  to  immediately,  without  any  notice  whatsoever, 
increase or  decrease the approved credit  limit  or  to  revoke all rights  to  use 
the Account  based upon the results of a reevaluation. 

8.    Transactions.  The  Cardholder  shall  retain,  for  verification  by  the  monthly 
billing  statements  sent  to  the  Cardholder,  copies  of  each  charge  ticket, 
slip,  or  other  evidence  of  a  transaction  obtained  in  connection  with  each 
Purchase,  Balance  Transfer,  Cash  Advance,  or  other  transaction  on  the 
Account.  The  Bank  shall  provide  the  Cardholder  with  a  copy  of  its 
documentary  evidence of  a transaction  on  the Account  upon  receipt  of  the 
Cardholder’s  reasonable  request  or  upon  written  notice  of  a  billing  error 
given to  the  Bank in  accordance  with  the  terms  of  this  Agreement. Unless 
the  documentary  evidence  is  requested  in  connection  with  a  billing  error 
inquiry,  the  Bank  may,  subject  to  applicable  law,  impose  a  reasonable 
charge to cover its cost of supplying the evidence. 

9.    Cash  Advances.  The  Cardholder  agrees  not  to  permit  the  total  of  the 
Cardholder’s  unpaid  Cash  Advances,  when  added  to  the  total  unpaid 
Purchases,  Balance  Transfers,  interest  charges,  and  other  charges,  to 
exceed at any time the approved credit limit  on the Account. 

10.  Monthly  Billing  Cycle.   The Bank shall  send  the  Cardholder a  monthly 
billing  statement when  there is  a debit or  credit  balance in excess of  $1.00 
or  when  an interest  charge is  imposed.  The monthly  billing  statement shall 
show,   among  other  things,  all  Purchases,  Balance  Transfers,  Cash 
Advances,  interest  charges,  other  charges,  the  minimum   payment  due, 
the  payment  due  date,  payments  made  by  the  Cardholder,  credits,  the 
Previous  Balance  on  the  Account,   and  the  New  Balance  on  the  Account. 
The Cardholder shall pay  the Bank the full  amount  owed  on the Account, 

as  shown  on  the monthly  billing  statement,  within  25  days  from  the billing 
date  shown  on  the  statement,  or  the  Cardholder  shall  pay  such  amount  in 
installments  in  accordance  with  the  terms  and  conditions  of  this 
Agreement. 

11.   Truth in  Lending  and  Related  Disclosures. The words  “you”,  “your”  and 
“yours” used in  this  section  of  this  Agreement refer to  all  Cardholders. The 
words “we”, “us” and  “our” used in  this  section  of  this  Agreement refer to 
the Bank. 
(A)   Interest Charges. 

(1)    Circumstances   Under  Which  An  Interest  Charge  Will  Be 

Imposed. 
(a)    Purchases.  An  interest  charge  will  be  imposed  on 
Purchases  outstanding  during  a  Billing  Cycle  (including 
current  Purchases)  at  the  Monthly  Periodic  Rate  for 
Purchases  when  there  is  a  Previous  Balance  outstanding 
and  it  is  not  paid  in  full  during  the  first  25  days  of  the 
Billing  Cycle.  You  may  avoid  paying  an  interest  charge  on 
current  Purchases  included  in  the  New  Balance  by  paying 
the  entire  New  Balance  in  full  within  25  days  after  the 
Closing  Date  of  the  Billing  Cycle  during  which  the  current 
Purchases are charged to your Account. 

(b)    Balance  Transfers.  An  interest  charge  calculated  based  on 
the  Monthly  Periodic  Rate  for  Balance  Transfers  will  be 
imposed  on  Balance  Transfers  outstanding  during  a  Billing 
Cycle.  A  new  Balance  Transfer  will  accrue  an  interest 
charge  from  the  date  when  the  transaction  is  posted  to 
your  Account  until  the  date  of  the  payment.  There  is  no 
time  period  within  which  to  pay  to  avoid  interest  charges 
on Balance Transfers. 

(c)  Cash  Advances.  An  interest  charge  in  the  form  of  the 
Monthly  Periodic  Rate  for  Cash  Advances  will  be  imposed 
on  Cash  Advances  outstanding  during  a  Billing  Cycle.  New 
Cash  Advance  transactions    will  accrue  an  interest  charge 
from  the  date  of  the  transaction  until  the  date  of  payment. 
There is  no  time  period  within  which  to  pay  to  avoid  these 
interest charges on Cash Advances. 

(2)    Balance  Upon  Which  An  Interest  Charge  Will  Be  Imposed.  We 
figure  a  portion  of  the  interest  charge  on  the  Account  by 
applying  a  Monthly  Periodic  Rate  to  each  of  the  “average  daily 
balances”  of  Cash  Advances  and  Purchases  (including    current 
transactions)  and adding the results. 
(a)    To  get  the  “average daily  balance” of  Cash  Advances,  we 
take  the  beginning  balance  of  your  Account  each  day,  add 
any  new  Cash  Advances  as  of  the  date  of  the  transaction 
and  subtract  any  payments  or  credits,  unpaid  interest 
charges  and  other  charges,  as  of  the  date  of  posting,  and 
outstanding  Purchases  and  Balance  Transfers.  This  gives 
us  the  daily  balance  for  Cash  Advances.  Then,  we  add  all 
of  these  daily  balances  for  the  Billing  Cycle  together  and 
divide  the  total  by  the  number  of  days  in  the  Billing  Cycle. 
This  gives  us  the  “average  daily  balance”  of  Cash 
Advances. 

(b)    To  get  the  “average daily  balance” of  Purchases,  we  take 
the  beginning  balance  of  your  Account  each  day,  add  any 
new  Purchases  as  of  the  date  of  the  transaction,  and 
subtract  any  payments  or  credits,  unpaid  interest  charges, 
and  other  charges,  as  of  the  date  of  posting,  and 
outstanding  Cash  Advances  and  Balance  Transfers.  This 
gives  us  the  daily  balance  for  Purchases.  Then  we  add  all 
these  daily  balances  for  the  Billing  Cycle  together  and 
divide  the  total  by  the  number  of  days  in  the  Billing  Cycle. 
This  gives  us  the  “average daily  balance” of  Purchases. If 
the  Previous  Balance is  paid  in  full  during  the  first  25  days 
of  the  Billing  Cycle,  the  “average  daily  balance”  of 
Purchases will be considered to be $0. 

(c)   To  get  the  “average  daily  balance”  of  Balance  Transfers, 
we  take  the  beginning  balance  of  your  Account  each  day, 
add  any  new  Balance  Transfers  as  of  the  date  the 
transaction  is  posted  to  your  Account,  and  subtract  any 
payments  or  credits,  unpaid  interest  charges  and  other 
charges,  as  of  the  date  of  posting,  and  outstanding  Cash 
Advances  and  Purchases.  This  gives  us  the  daily  balance 
for  Balance  Transfers.  Then  we  add  all  of  these  daily 
balances  for  the  Billing  Cycle  together  and  divide  the  total 
by  the  number  of  days  in  the  Billing  Cycle.  This  gives  us 
the “average daily balance” of Balance Transfers. 
(3)    Determining  the  Amount  of  the  Interest  Charge.  The  interest 
charge  imposed  during  a  Billing  Cycle  will  be  determined  by 
multiplying   each  of  the  average  daily  balances  of  Purchases, 
Balance  Transfers  and  Cash  Advances  by  the  applicable 
Monthly  Periodic  Rate.  The  Monthly  Periodic  Rates  and  the 
ANNUAL  PERCENTAGE RATES  for    Purchases,    Balance 
Transfers  and Cash Advances  imposed  on your  Account  during a 
Billing  Cycle  will  be  variable  rates  that  are  subject  to  change 
from  Billing  Cycle  to  Billing  Cycle.  The  variable  ANNUAL 
PERCENTAGE RATES  for  Purchases,   Balance  Transfers   and 
Cash  Advances  will  be  determined  based  on  the  “Prime rate  for 
the  U.S.” designated  in  the  “Money Rates” section  appearing  in 
each  issue  of  The  Wall  Street   Journal. If  more  than  one  Prime 
rate  is  designated  for  the  U.S.  on  the  date  of  a  variable  rate 
adjustment,  we  may  choose  the  highest  of  such  Prime  rates. 
Any  change  in  the  Prime  rate  will  generally  result  in  a  change  in 
the  ANNUAL  PERCENTAGE RATES  for   Purchases,   Balance 
Transfers  or  Cash  Advances  under  your  Account.  The  amounts 
that   your   ANNUAL  PERCENTAGE RATES  for   Purchases, 
Balance  Transfers  and  Cash  Advances  change  may  also  be 
affected  by  the  Account’s  maximum    ANNUAL  PERCENTAGE 
RATE  (described  below).  The  current  variable  Monthly  Periodic 
Rates  and  the  corresponding    ANNUAL PERCENTAGE  RATES  for 
Purchases,  Balanc e  Transfers  and  Cash  Advances  are 
disclosed  on  the  card  mailer  form  that  accompanies  your  Card 
and this Agreement. 
(a)    Purchases. 0.0% Introductory APR. 

For  the  first  seven  complete  Billing  Cycles  after  your 
Account    is  opened,   the  ANNUAL  PERCENTAGE RATE  for 
Purchases  made  under  your  Account  will  be  0.00% 
(corresponding   Monthly   Periodic  Rate:  0.00%).   For  these 
purposes,  we  will  deem  your  Account  to  be  opened  ten 
days  after  we  mail  your  Card  to  you.  Beginning  with  the 
first  day  of  the  eighth  Billing  Cycle  after  your  Account  is 
opened,  we  will    determine  your  ANNUAL  PERCENTAGE 
RATE for  Purchases  subject  to  an  interest  rate  for  each 
Billing  Cycle by  adding  9.74%  to  the Prime  rate in  effect  on 
the  last  day  of  the  prior  Billing  Cycle.  Your  Monthly 
Periodic  Rate  for  Purchases  will  be  1/12  of  the 
corresponding    ANNUAL  PERCENTAGE  RATE.  However,    in 
no  event  will  your  Monthly  Periodic  Rate  for  Purchases 
exceed  1.50%    (corresponding    ANNUAL  PERCENTAGE 
RATE of 18%). 

(b)    Balance Transfers. 1.90% Introductory  APR. 

For  the  first   twelve  complete   Billing  Cycles  after  your 
Account    is  opened,   the  ANNUAL  PERCENTAGE RATE  for 
the  outstanding  balance  of  Balance  Transfers  made  under 
your  Account  will  be  1.90%  (corresponding  Monthly 
Periodic  Rate:  0.158%).  For these  purposes,  we  will  deem 
your  Account  to  be  opened  ten  days  after  we  mail  your 
Card  to  you.  Beginning  with  the  first  day  of  the  thirteenth 
Billing  Cycle  after  your  Account  is  opened,  we  will 
determine   your   ANNUAL  PERCENTAGE RATE  for   the 
outstanding  amount  of  your  Balance Transfers  by  adding 
9.74%  to  the Prime rate in effect  on the last day of  the prior 
Billing  Cycle.  Your  Monthly   Periodic  Rate  for  Balance 
Transfers  will  be  1/12  of  the  corresponding  ANNUAL 
PERCENTAGE RATE.  However,   in  no  event  will   your 
Monthly  Periodic  Rate  for  Balance  Transfers  exceed  1.50% 
(corresponding  ANNUAL PERCENTAGE RATE of  18.00%). 
(c)  Cash  Advances.  We  will  determine  your  ANNUAL 
PERCENTAGE RATE  for  Cash  Advances   for  each  Billing 
Cycle  by  adding  14.75%  to  the  Prime  rate  in  effect  on  the 
last  day  of  the  prior  Billing  Cycle.  Your  Monthly  Periodic 
Rate for  Cash Advances  will  be  1/12  of  the  corresponding 
ANNUAL  PERCENTAGE RATE.  However,   in  no  event  will 
your  Monthly  Periodic  Rate  for  Cash  Advances  exceed 
1.50%  (corresponding  ANNUAL  PERCENTAGE  RATE  of 
18.00%). 

(B)   Other Charges. 

(1)    Late Charge. If you do not make a payment on your Account  at 

least  equal  to  the  minimum  monthly  payment  due  on  your 
current  monthly  billing  statement  within  ten  (10)  days  of  the 
payment  due  date  shown  on  your  current  monthly  billing 
statement,  you  agree to  pay  a  late  charge  of  up  to  $15.00.  The 
late  charge  will  be  reflected  in  the  New  Balance  of  your 
Account. 

(2)    Returned  Check  Charges.  You  agree  to  pay  a  returned  check 
charge  of  up  to  $25  whenever  your  payment,  whether  in  the 
form  of  a  check  or  other  instrument  or  an electronic  payment,  is 
returned  to  us  unpaid  because  of  an  insufficient  balance  in  your 
deposit  account.  The  returned  check  charge  will  be  reflected  in 
the New Balance of your Account. 

(3)    Balance  Transfer  Fee. Each  time  you  transfer  all  or  part  of  the 
balance  of  another  loan  or  credit  card  account  to  your  Account 
with  us,  we  will  assess  a  Balance  Transfer  fee  equal  to  3%  of 
the  amount  of  the  Balance  Transfer,  up  to  a  maximum  of  $50 
per Balance Transfer.  The Balance Transfer  fee will  be reflected in 
the New Balance of your Account. 

(4)     Cash  Advance  Fee. Each  time  you  obtain  a Cash  Advance  under 
your  Account,  we  will  assess  a Cash Advance  fee equal to  3.0% 
of  the  amount  of  the  Cash  Advance.  The Cash  Advance  fee  will 
be reflected in the New Balance of your Account. 

(C)   Security   Interest.  If  we  now  or  hereafter  hold  any  title,  mortgage, 
chattel  mortgage,  assignment,  pledge,  or  security  interest  in  any  of 
your property, it may be that the terms of the instrument  creating such 
title,  mortgage,  chattel  mortgage,  assignment,  pledge,  or  security 
interest  will  also  secure  your  obligations  on  the  Account.  If you  have 
mortgaged or  otherwise  granted in  favor  of  us  a  security interest  or 
shall  hereafter  mortgage  or  otherwise  grant  in  favor  of  us  a  security 
interest  in  your  personal residence  as  collateral  or  as security  for 
it  is  hereby 
any  indebtedness  now  or  hereafter  owed 
understood  and  agreed  that  we  hereby  waive  any  claim,  right, 
mortgage,  or  security  interest  we  might  acquire  against  your 
personal residence as collateral  or  as  security  for  any obligation  to  us 
arising  from  or on  the Account,  from  the use of  any Card, or under 

to  us, 

. . . CONTINUED  ON  REVERSE SIDE 

 
 
 
 
 
 
 
this  Agreement.  We  expressly  reserve  all  rights  not  expressly  waived 
in  this  Agreement under  any  mortgage  or  security  interest  we  may 
have in your personal residence. 

(D)   Your Liability for Unauthorized  Use  of Your  Card.  You may  be liable 
for  the  unauthorized  use  of  your  Card.  You  will  not  be  liable  for 
unauthorized use that occurs  after you notify us at 

Whitney Bank Card Services Department 

400 Labarre Road 
Jefferson, LA 70121-3809 
1-800-844-4450 

orally  or  in  writing  of  the  loss,  theft,  or  possible  unauthorized use.  In 
any case, your liability  will not exceed $50. 

(E)    Your Billing Rights: Keep This Document  For Future Use. 

This  notice  tells  you  about  your  rights  and  our  responsibilities  under 
the Fair Credit Billing  Act. 

What To Do  If You Find  A Mistake On Your Statement 
If  you  think  there is  an  error  on  your  statement,  or  if  you  need more 
information  about  a  transaction  on  your  statement,  write  to  us  on  a 
separate sheet at the address listed on your statement. 
In your letter, give us the following  information: 
•   Account  information:  Your name and account  number. 
•   Dollar Amount: The dollar amount of the suspected error. 
•   Description  of  problem:  If you  think there is  an error on your  bill, 
describe  what  you  believe is  wrong  and  why  you  believe it  is  a 
mistake. 
You must contact us: 
•   Within 60 days after the error appeared on your statement. 
•    At  least  3  business  days  before  an  automated  payment  is 
scheduled, if  you  want  to  stop  payment on the amount  you think 
is wrong. 

You must  notify  us of  any potential errors  in  writing.  You may  call  us, 
but  if  you  do  we  are  not  required  to  investigate  any  potential  errors 
and you may have to pay the amount in question. 

What  Will Happen  After We Receive Your Letter 
When we receive your letter, we must do two things: 
1.      Within 30  days of  receiving your letter, we  must  tell you  that we 
received  your  letter.  We  will  also  tell  you  if  we  have  already 
corrected the error. 

2.      Within  90  days  of  receiving  your  letter,  we  must  either correct 
the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 
•   We  cannot  try  to  collect  the  amount  in  question,  or  report  you 

as delinquent on that amount. 

•   The  charge  in  question  may  remain  on  your  statement,  and  we 

may continue to charge you interest on that amount. 

•   While  you  do  not  have to  pay  the  amount  in  question,  you  are 

responsible for the remainder of your balance. 

•   We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
•   If  we made  a mistake: You will  not  have to  pay the amount  in 
question or any interest or other fees related to that amount. 
•   If  we  do not  believe there  was  a mistake:  You will  have to  pay 
the  amount  in  question,  along  with  applicable  interest  and  fees. 
We  will  send  you  a  statement  of  the  amount  you  owe  and  the 
date  payment  is  due.  We  may  then  report  you  as  delinquent  if 
you do not pay the amount we think you owe. 

If  you  receive  our  explanation but  still  believe your  bill  is  wrong,  you 
must  write  to  us  within  10  days  telling us  that you  still  refuse to  pay. 
If  you  do  so,  we  cannot  report  you  as  delinquent  without  also 
reporting  that  you  are  questioning  your  bill.  We  must  tell  you  the 
name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we 
must  let  those  organizations  know  when  the  matter  has  been  settled 
between us. 
If  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 correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 
purchased  with  your  credit  card,  and  you  have tried  in  good  faith  to 
correct  the problem  with  the merchant,  you  may  have the right  not  to 
pay the remaining amount due on the purchase. 

To use this right, all of the following  must be true: 
1.      The  purchase  must  have  been  made  in  your  home  state  or 
within  100  miles  of  your  current  mailing  address;  and  the 
purchase  price  must  have  been  more  than  $50.00.   (Note: 
Neither  of  these  are  necessary  if  your  purchase  was  based  on 
an  advertisement we  mailed  to  you,  or  if  we  own  the  company 
that sold you the goods or services.) 

2.     You  must  have  used  your  credit  card  for  the  purchase. 
Purchases  made  with  cash  advances  from  an  ATM  or  with  a 
check that accesses your credit card account do not qualify. 
3.      You  must  not  have  fully  paid  for  the  purchase.  If  all  of  the 
criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase,  contact  us  in  writing  on  a  separate  sheet  at  the 
address listed on your statement. 

While  we  investigate,  the same  rules  apply  to  the disputed  amount  as 
discussed  above.  After  we  finish  our  investigation,  we  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 delinquent. 

12.  Minimum  Monthly  Payment.   The  Cardholder shall  pay  at  least  the 
minimum  payment  due  shown  on  the  monthly  billing  statement.  The 
minimum  monthly  payment  will  always  be  rounded  up  to  the  nearest 
dollar.  If  the  Cardholder  fails  to  pay  the  minimum   monthly  payment,  the 
Cardholder’s and  any  Authorized  Users’ right  to  use  the  Account  and  any 
Card may  be  revoked  or  terminated.  The Cardholder  shall  have the right  to 
pay  an  amount  in  excess  of  the  minimum  monthly  payment  or  the  entire 
unpaid  balance due on  the Account  at any  time.  The Cardholder shall  send 
the  minimum   monthly  payment  to  the  Bank  at  its  designated  payment 
address  provided  on  the  monthly  billing  statement  so  that  it  will  be 
received  on  or  before  the  payment  due  date  shown  on  the  applicable 
monthly  billing  statement.  The  minimum   monthly  payment  each  month 
shall be the greater of  (i)  $10.00  or (ii)  2% of  the total outstanding  balance 
due  on  the  Account  as  of  the  monthly  billing  date  or  (iii)  the  total  of  any 
interest  charge  and  all  outstanding  charges  and  fees.  If  applicable,  the 
minimum   monthly  payment  will  also  include  the  greater  of  the  past  due 
amount  of  any  prior  minimum  monthly  payments  or  the amount  by  which 
the  outstanding  unpaid  balance  exceeds  the  approved  credit  limit  on  the 
Account.  If  the  total  outstanding  unpaid  balance  due  on  the  Account  is 
less  than  $10.00,  the  minimum  monthly  payment  due  shall  be  such 
balance.  The  Cardholder  may  prepay  the  Account  in  whole  or  in  part  at 
any  time  without  penalty.  Any  partial  prepayment  shall  not  affect  the 
obligation  to  make  subsequent  minimum  monthly  payments,  and  an 
interest  charge  will  continue  to  accrue  on  any  remaining  balance  on  the 
Account.   An  increase   in  the  ANNUAL  PERCENTAGE RATE  may   increase 
the  Cardholder’s  interest  charges,  minimum  monthly  payment  amount, 
and/or number of minimum  monthly payments required to be made. 

13.  Application of  Payments  and  Credits.  All  payments  and  credits  on  the 

Account shall be applied in the following  order: 
(a) To any interest charges; 
(b) To returned check charges, late charges, and annual fees; 
(c)  To Balance Transfers; 
(d) To Cash Advances previously billed; 
(e) To Purchases previously billed; 
(f)  To Cash Advances not previously billed; and 
(g) To Purchases not previously billed. 

The  Bank  shall  have  the  right  to  change  the  order  of  the  application  of 
payments  at  any  time  without  prior  notice  to  the  Cardholder. Any  payment 
received  by  the  Bank  at  its  designated  payment  address  provided  on  the 
monthly  billing  statement  prior  to  5:00  P.M.  CST on  a banking  day  shall  be 
credited  to  the  Account  as  of  the  date  the  payment  was  received,  but  the 
Bank  shall  have  the  right  to  limit  the  amount  of  credit  available  for  the 
Account  based  on  a  payment  until  the  check  or  other  payment  instrument 
is  actually  paid  by  the  drawee.  There  may  be  a  delay  in  crediting  any 
payments  received  by  the  Bank  at  its  designated  payment  address 
provided  on  the  monthly  billing  statement  after  5:00  P.M.  CST on  any 
date. 

14.  Irregular  Payments.  If  the  Cardholder  or  any  other  person  or  entity, 
including  without  limitation,  a  Cardholder  on  a  joint  Account  or  an 
Authorized  User,  marks  a  check,  money  order,  or  other  instrument  given 
for  payment  on  the  Account  “Paid in  Full” or  with  a  similar  phrase,  the 
Cardholder  shall  remain  obligated  to  pay  in  full  any  remaining  amounts 
owed  to  the  Bank  on  the  Account.  The  Bank  has  the  right  to  accept  late 
payments  or  partial  payments  without  losing  any  of  its  rights  under  this 
Agreement. 

15.  Ownership of  Cards. All  Cards  are  owned  by  and  are  the  property  of  the 
Bank.  All  Cards  must  be  returned  to  the  Bank  immediately  upon  demand 
from  the  Bank.  The  Cardholder  shall  destroy  any  Card  the  Bank  requests 
the Cardholder to  destroy  by  cutting  the Card in  half,  and  upon  the Bank’s 
request,  the  Cardholder  shall  hand  deliver  or  mail  the  destroyed  Card  to 
the Bank. 

16.   Foreign  Exchange/Currency  Conversions/International  Transactions.  If 
you  use  your  Card  for  transactions  in  a  currency  other  than  U.S.  Dollars, 
the  exchange  rate  between  the  transaction  currency  and  the  billing 
currency  used  for  processing  International Transactions  is  selected  by  the 
applicable  network  (e.g.,  Visa,  MasterCard,  Cirrus,  Plus,  etc.).  We  do  not 
determine  the  currency  conversion  or  exchange  rate  that  is  used.  If  the 
applicable  network  is  Visa,  the exchange rate is  a)  a rate selected  by  Visa 
from  the  range  of  rates  available  in  wholesale  currency  markets  for  the 
applicable central  processing  date, which  rate may  vary  from  the rate Visa 
itself  receives,  or  b)  the  government-mandated  rate  in  effect  for  the 
applicable  central  processing  date.  The  exchange  rate  that  is  in  effect  on 
the  processing  date  may  differ  from  the  rate  in  effect  on  the  transaction 
date or the posting  date. If the transaction  is a refund,  and the refund has a 
different  processing    date,  then  the  exchange  rate  of  the  refund  can  be 
greater/less  than  that  of  the  original  transaction.  You  agree  to  accept  the 
converted  amount  in  U.S.  dollars.   An  “International  Transaction”  is 
defined  as  any  transaction  where  the Bank’s country  (the  United States)  is 
different  than  the  country  where  the  transaction  was  completed  (i.e., 
where  the  merchant  is  located),  whether  or  not  a  currency  conversion  is 
involved (i.e., even if the transaction is conducted in U.S. dollars). 

17.  Loss or  Theft of a Card.  The Cardholder  shall  notify  the Bank immediately 
of  the  loss,  theft,  or  unauthorized  use  of  a  Card by  calling  the  Bank  at 
1-800-844-4450.    Cardholder will  cooperate  with  Bank’s  reasonable 
investigation  of  any  claim  of  unauthorized  use  of  Cardholder’s  Card, 
including  providing  a  written  signed  statement  regarding  the  unauthorized 
use. 

18.  Refunds.  If  any  merchant  or  business  agrees  to  give  the  Cardholder  or 
any  Authorized  User  a  refund  or  adjustment  in  connection  with  a 

Purchase,  the  Cardholder  shall  accept  a  credit  to  the  Account  in  lieu  of  a 
cash refund. 

19.   Honoring the  Card.  The Cardholder  agrees  that  neither  the  Cardholder  nor 
any Authorized User shall have any legal claims  or rights  against the Bank if 
a  merchant,  business,  or  financial  institution    refuses  for  any  reason 
whatsoever to accept a Card. 

20.  Credit  Reports.  The  Cardholder  authorizes  the  Bank  to  report  the 
Cardholder’s  performance  under  this  Agreement  to  credit  reporting 
agencies and to  any other person  or  entity  who  may  properly  receive such 
information,   and  the  Bank  shall  have  the  right  to  obtain  reports  of  the 
Cardholder’s  credit  history  from  credit  reporting  agencies  and  to  make 
any  credit,  employment,   and  investigative  inquiries  that  the  Bank  in  its 
sole  discretion  deems  appropriate  in  connection  with  any  extension  of 
credit on the Account or the collection of amounts owing on the Account. 

21.  Refusal  to  Honor  Credit Requests.  The  Bank  shall  have  the  right  to  deny 
access  to  credit  on  the  Account  or  to  refuse  to  honor  any  Card,  even 
though  the  Account  has  not  been  terminated  or  closed,  if  any  of  the 
following events occur: 
(a)  The  Cardholder  does  not  make  at  least  the  minimum    monthly 
payment  due  shown  on  the  most  recent  monthly  billing  statement  on 
or before the payment due date; 

(b)   The Cardholder becomes  delinquent  on  any  other  obligation  owed  to 
the Bank or on any obligation owed to any other person or entity; 
(c) The  Cardholder  or  any  Authorized  User  exceeds  the  approved  credit 

limit; 

(d)  A  request  for  additional  credit  on  the  Account  would  cause  the 

approved credit limit  to be exceeded; 

(e)  The  Bank  is  advised  by  a  credit  reporting  agency  or  by  any  other 
appropriate  source  that  the  Cardholder’s  financial  condition   has 
deteriorated significantly; 

(f)  The  Cardholder’s debt  owed  to,  or  the  Cardholder’s available  unused 
credit  line  from,  other  lenders  becomes  excessive  in  the  Bank’s sole 
opinion; 

(g)   The  Cardholder  dies,  becomes  imprisoned,    is  declared  legally 

incompetent, or becomes insolvent; 

(h)   The  Cardholder  gives  false  or  misleading  information  to  the  Bank  at 

any time; 

(i)   The  Bank  has  reasonable  cause  to  believe  that  the  Cardholder  will 
not  be  able  to  repay  the  amounts  owed  to  the  Bank,  for  any  reason, 
including, but not limited to, the Cardholder’s unemployment; 

(j) A  proceeding   has  been  filed  by  or  against  the  Cardholder  for 
bankruptcy,  arrangement,  reorganization,  or  any  other  relief  afforded 
debtors  or  affecting  rights  of  creditors  generally  under  the  United 
States Bankruptcy  Code or under any state or federal law; 

(k)   The  Cardholder  has  sent  the  Bank  more  than  one  payment  within  a 
twelve  (12)   month  period  that  has  been  returned  unpaid  for  any 
reason; 

(l)   The  Cardholder  has  notified  the  Bank  or  the  Bank  has  otherwise 

determined that a Card has been lost or stolen; or 

(m)  The Cardholder fails  to  comply  with  any terms  or  conditions  of  this 

Agreement. 

The  Cardholder  agrees  that  neither  the  Cardholder  nor  any  Authorized 
User  shall  have  any  legal  claims  or  rights  against  the  Bank  if,  for  the 
reasons  set  forth  above,  the  Bank  denies  or  rejects  a  request  from  the 
Cardholder or any Authorized User for credit or for the use of the Account. 

22.   Default.  If  any of  the events listed in  Section 21  above occurs,  the Bank 
(a)  shall  have the right  to  declare  the Cardholder and  the Account  to  be in 
default  under  this  Agreement  without  giving  prior  notice  to  the  Cardholder 
and  (b)  shall  have  the  right  to  declare  any  amounts  owed  to  the  Bank  on 
the Account  to  be immediately  due and payable  without  notice  or  demand. 
The  Bank’s  acce ptance  of  any  payment  on  the  Account    after  the 
Cardholder  has  been  declared  to  be  in  default  shall  not  waive  the  default. 
After  the  Cardholder  has  been  declared  to  be  in  default,  neither  the 
Cardholder  nor  any  Authorized  User  shall  be  permitted  to  use  a  Card  or 
the  Account  to  obtain  Cash Advances  or  to  make  Purchases  or  to  obtain 
credit  from  the  Bank  on  the  Account  in  any  other  manner.  If  the  Bank 
refers  the Account  to  an attorney  for  collection  after the Account  has been 
declared to be in default, the Cardholder agrees to pay the reasonable fees of 
the  attorney,  not  to  exceed  25%  of  the  unpaid  debt  after  default  or  the 
maximum  amount  permitted  by  applicable  law;  and,  to  the  extent 
permitted  by  applicable  law,  all  other  charges,  fees,  and costs  incurred  by 
the  Bank in  connection  with  collecting  the  amounts  due  and  owing  on  the 
Account.  The  Bank’s  failure  to  exercise  or  the  Bank’s delay  in  exercising 
any  of  its  rights  under  this  Agreement  shall  not  be  deemed  a  waiver  of 
those  rights  and  shall  not  be  deemed  a  waiver  of  the  Bank’s right  to  later 
exercise its rights under this Agreement. 

if 

to  close 

the  Account 

23.  Closing the  Account. The Bank  shall  have the right  to  close,  terminate,  or 
cancel  the Account  at any  time,  and,  in  this  case,  the Cardholder agrees to 
pay  the  Bank  all  amounts  due  as  required  in  this  Agreement  unless  the 
Cardholder  is  in  default  under  this  Agreement  and  the  Bank  requires 
immediate  payment  of  the  entire  outstanding  unpaid  balance  on  the 
Account.  If  immediate  payment  of  such  balance is  required, the Bank shall 
also  have  the  right  to  require  immediate  payment  of  any  other  obligations 
owed by the Cardholder to the Bank. Without limiting  the foregoing,  the Bank 
shall  have  the  right 
the  Account  has  been 
inactive  for  six  (6)  consecutive  months.  The  Cardholder  may  close, 
terminate,  or  cancel  the  Account  at  any  time  by  notifying  the  Bank  in 
writing  and returning  all  Cards issued  in  connection  with  the  Account.  The 
Cardholder  shall  remain  liable  for  continued  charges  against  the  Account 
after  the  Account  is  closed  by  the  Cardholder  until  and  unless  all  Cards 
have  been  returned  to  the  Bank.  Each  joint  Cardholder  authorizes  each 
other  Cardholder to  close  or  terminate the Account  by  written  notice  to  the 
Bank.  All  Cardholders  shall  remain  jointly,   severally,  and  solidarily   liable 
for  the payment of  all outstanding  unpaid amounts  due on the Account.  If a 
joint  Account  is  terminated,  any  approval  of  a  new  Visa  Classic  or 
Platinum  Card  account  application  by  a  former  joint  Cardholder  may  be 
conditioned  by  the  Bank  upon  the  repayment  of  the  entire  outstanding 
unpaid  amounts  due  on  the  Account  prior  to  the  opening  of  an  account 
pursuant to the new application. 

24.   Change  in  Terms.  Subject  to  any  requirements  under  law,  the  Bank  shall 
have  the  right  to  change  any  of  the  terms  of  this  Agreement  at  any  time 
whatsoever.  The  Cardholder  shall  be  given  any  prior  written  notice  of  the 
change that is  required by  law,  either by  including  a notice  on  the monthly 
billing  statement  or  by  sending  a  separate  notice  to  the  Cardholder. 
Subject  to  any  requirements  of  applicable  law,  any  amendment  to  this 
Agreement shall  become  effective  at the time  stated  in  the Bank’s notice to 
the  Cardholder,  and,  subject  to  any  requirements  of  applicable  law,  the 
amendments  to  this  Agreement  shall  apply  to  all  outstanding  unpaid 
indebtedness  on  the  Account  at  the  time  the  amendments  are  effective 
and to  all new  transactions  on  the Account  after the amendments  become 
effective.  If,  under applicable  law,  the Cardholder’s approval  is  required for 
any  amendment  to  this  Agreement,  that  approval  may  be  evidenced  by 
the  Cardholder’s  written  consent  to  the  amendment  or  by  the  use  of  a 
Card  or  the  Account  by  the  Cardholder  or  any  Authorized  User  after  the 
date  of  the  notice  that  was  given  by  the  Bank  to  the  Cardholder,  which 
date may  or  may  not  be the date the amendment  becomes  effective.  If  the 
Cardholder does  not  agree to  a change  in  the terms  of  this  Agreement that 
requires  the  Cardholder’s approval,  the  Cardholder  may  pay  off  under  the 
terms  of  this  Agreement prior  to  its  amendment  all  indebtedness  owed  on 
the Account  prior  to the date that the amendment  becomes  effective,  but, in 
that  case,  neither  the  Cardholder  nor  any  Authorized  User  shall  have  the 
right  to  use  the  Account  or  any  Card  after  the  amendment  becomes 
effective. 

25.  Transfer  of  the  Account.   The Bank shall  have the  right  to  assign  and 
transfer  to  another person  or  entity,  at  any  time  without  prior  notice  to  the 
Cardholder,  the  Bank’s rights  under  this  Agreement  and  any  or  all  of  the 
obligations  of  the  Cardholder  owed  to  the  Bank  under  this  Agreement  or 
on  the  Account.  The  Cardholder’s  rights  under  this  Agreement  shall  not, 
however,  be  transferred  by  operation  of  law  or  by  the  Cardholder,  but  all 
of  the  Cardholder’s  obligations  under  this  Agreement  shall  be  binding  on 
the Cardholder’s estate, heirs, legatees, and personal representatives. 

26.  Notices.   The  Bank  shall  send  all  monthly   billing  statements  and  any 
notices  in  connection  with  the  Account  to  the  Cardholder’s  address  as 
shown  in  the  Bank’s most  recent  records.  The  Cardholder  agrees  to  give 
the  Bank  notice  of  any  change  in  the  Cardholder’s address  at  least  fifteen 
(15)  days  prior  to  the  change.  Any  notices  from  the  Cardholder  to  the 
Bank,  including  a  notice  of  a  change  of  address,  shall  be  effective  when 
received  by  the  Bank  at  the  Bank’s  address  for  receipt  of  payments 
shown   on  any  monthly   billing  statement  mailed  by  the  Bank  to  the 
Cardholder  within  the  preceding  sixty  (60)  days.  The  Bank  shall  have  the 
right  to  accept  corrections  or  changes  to  the  Cardholder’s  address  from 
the  United  States  Postal  Service.  If  the  Account  is  a  joint  Account,  the 
Bank  may  send  monthly  billing  statements  and  notices  to  any  Cardholder 
and  shall  not  be  responsible  or  liable  for  sending  statements  or  notices  to 
any other Cardholder. 

27.  Captions  and  Headings.  Captions  and  headings  used  in  this  Agreement 
are  intended  solely  for  convenience  of  reference  and  shall  not  be  deemed 
to be a substantive part of this Agreement. 

28.   Governing  Law.  This  Agreement,  the  Account,  and  the  Bank’s rights  and 
duties  and  the  Cardholder’s  rights  and  obligations  under  this  Agreement 
and  on  the  Account  shall  be  governed  by  and  interpreted  in  accordance 
with  federal law  and the laws  of  the State of  Louisiana.  If and to  the extent 
the  choice  of  such  laws  is  not  fully  effective,  the  mandatory  laws  of  the 
state  where  the  Cardholder  resides  shall  govern  this  Agreement  and  the 
Account.   The  Account  and  the  Cards  have  been  applied  for,  considered, 
approved,  and  issued  or  opened  in  the  State  of  Louisiana,  and  all 
extensions  of  credit  under  this  Agreement  are  being  made  by  the  Bank  in 
the State of Louisiana. 

29.  Severability. If any term,  provision,  or  section  of  this  Agreement is  held to 
be  invalid  or  unenforceable  under  any  statute,  court  decision,  or 
governmental  rule  or  regulation,  the  remainder  of  this  Agreement  shall 
remain in full force and effect. 

IMPORTANT  INFORMATION  ABOUT  PROCEDURES    FOR 
OPENING  A NEW  ACCOUNT 
To  help  the  government  fight  the  funding  of  terrorism  and  money  laundering 
activities,  Federal law  requires  all  financial  institutions   to  obtain,  verify,  and 
record information that identifies each person who opens an account. 
What this means  for you: 
•   When  you  open  an  account,  we  will  ask  for  your  name,  address,  date of 

birth, and other information that will allow us to identify you. 

•   We  may  also  ask  to  see  your  driver’s  license  or  other  identifying 

documents. 

If  you  fail  to  provide  the required information  or  documents  used  to  verify  your 
identity  within  a  reasonable  period  of  time  of  establishing  an  account,  we  will 
initiate procedures to restrict access or close your account. 
Whitney  thanks  you  for  your  understanding  and  for  joining  us  in  securing  a 
safer tomorrow. 
Member FDIC 

F03-M035-3 -0413 

 
 
 
 
 
 
Pricing Addendum 

Whitney Bank Cardholder Agreement and Disclosure Statement 

VISA® Platinum Credit Card 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

0.00% introductory APR for 7 months. After that, your APR will be 
12.99%.This APR will vary monthly based on the Prime rate for the 
U.S. published in The Wall Street Journal Money Rates section on the 
last day of each billing cycle and is computed by adding 9.74% to the 
Prime rate. Corresponding Monthly Periodic Rate is 1.0825%. 
1.90% introductory APR for 12 months. After that, your APR will be 
12.99%.This APR will vary monthly based on the Prime rate for the U.S. 
published in The W all Street Journal Money Rates section on the last 
day of each billing cycle and is computed by adding 9.74% to the Prime 
rate. Corresponding Monthly Periodic Rate is  1.0825%. 
18.00% This APR will vary monthly based on the Prime rate for the U.S. 
published in The W all Street Journal Money Rates section on the last 
day of each billing cycle and is computed by adding 14.75% to the 
Prime rate. Corresponding Monthly Periodic Rate is 1.5000%. 

Penalty APR and When It 
Applies 

None 

How to Avoid Paying Interest 
on Purchases 

Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. We will begin charging interest on 
cash advances on the transaction date. 

Minimum Interest Charge 

Required Insurance, Debt 
Cancellation or Debt 
Suspension Coverage 

Fees 

Annual Fee 

Transaction Fees 

• Balance Transfer 

• Cash Advances 

Penalty Fees 

• Late Payment 

• Over-the-Credit Limit 

• Returned Payment 

None 

None 

None 

3% of the amount of each transfer (maximum fee: $50). 

3% of the amount of each cash advance. 

Up to $15 

None 

Up to $25 

How We Will Calculate Your Balance: W e use a method called "average daily balance (including new 
purchases)”. Refer to the corresponding account agreement for more details. 

Platinum Card 

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