HANCOCK WHITNEY BANK  
CREDIT CARD ACCOUNT AGREEMENT 
WELCOME TO YOUR ACCOUNT 

This document together with the document entitled “Your 
Account Opening Disclosures” is a contract (the “Agreement”) 
between you and Hancock Whitney Bank governing the terms 
of your credit card account with us (the “Account”) and each 
card issued to you or to your authorized user to access the 
Account (each, a “Card”). In this Agreement, the terms “we”, 
“our”, and “us” mean Hancock Whitney Bank, and “you”, 
“your”, and “Cardmember” mean each person who applied 
for or otherwise agreed to be liable for the Account. We have 
agreed to lend you money as described in this Agreement, 
and you promise and agree to pay us back together with all 
interest charges, fees and other charges assessed on your 
Account under this Agreement. By using or permitting others 
to use the Account or any Card or by making any payment on 
the Account, you indicate your acceptance of the terms and 
conditions of this Agreement. Please read this Agreement 
carefully and keep a copy of it for your records. If you have any 
questions, you may call us at the phone number listed in the 
“Your Billing Rights” section below, or on your billing statement 
or the back of your Card. 

IMPORTANT DEFINITIONS 
Please review the important terms below. These definitions 
and terms apply to this Agreement and your monthly 
billing statement. Other terms are defined elsewhere in this 
Agreement. If we use a capitalized term in this Agreement 
but do not define it in this Agreement, the term refers to the 
corresponding term used in your billing statement.

Credit Limit 
This is the amount we will make available on your Account 
for your use. We will establish your credit limit, and we may 
establish different limits for different types of transactions, 
like purchase or cash advances. You agree not to exceed the 
established credit limits. You are responsible for repayment of 
the total balance of your Account, even if your balance exceeds 
your credit limits. You promise to pay any part of the balance 
of your Account that exceeds an established credit limit right 
away. We will tell you your credit limits when we send you your 
initial Card, and your current credit limits will appear on your 
billing statement. We may change your credit limits or cancel 

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or restrict your credit availability at any time subject to any 
requirements or limitations of applicable law. We may, at our 
option, allow your Account to exceed your applicable credit 
limits, but we have no obligation to you to do so.

Joint Account 
If there is more than one Cardmember on the Account, it is a 
joint account, and each of you promise and agree to be jointly 
and severally liable for the payment of all amounts owed to us 
on the Account, regardless of which Cardmember or authorized 
user uses the Account. We may require any of you to pay the 
full amount owed without looking to anyone else for payment.

Authorized Users 
An authorized user is any person you give your Card to or 
authorize to use a Card or your Account. You agree to be 
responsible for any use of your Account by any authorized 
user or anyone else that you permit to use your Account. If 
you wish to have an additional card issued in the name of an 
authorized user, please contact us and we will issue a Card with 
the name of the authorized user embossed on the card. We 
may request that you give us certain personal information about 
each authorized user, such as the person’s name, address, 
social security number, and date of birth, and you must have 
permission from each authorized user to provide that personal 
information to us. If you want an authorized user to stop 
using your Account, you must notify us, and you must obtain 
possession of any Card, checks or other means of accessing 
your Account from the authorized user. You will remain liable for 
all transactions on your Account by your authorized user until 
you recover possession of the Card, checks or other means 
of accessing your Account to our satisfaction. If you wish to 
terminate an authorized user, we may also close your Account 
and open a new Account with a different Account number. 

Annual Membership Fee 
If your Account has an annual fee, the amount will appear on 
Your Account Opening Disclosures which accompany your 
Card and this Agreement, and you will be responsible for it 
every year your Account is open or until your Account is closed 
and paid in full. If your Account has an annual fee, we will add 
your annual fee to your billing statement once a year, whether 
or not you use your Account.

Amendments 
We may change the terms of this Agreement including Annual 
Percentage Rates and fees from time to time. We may also add 
new terms or delete terms. In addition, we may replace your 
Card with another card at any time. Annual Percentage Rates or 
other terms may also change without amendment, for example 
when the Prime Rate changes. See the “Variable Rates” section 
for details. We may change these terms based on changes to 
your risk profile, such as changes in your patterns of payments, 
transactions, balances, utilization of this and other accounts 

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and credit bureau information. We may also change the terms 
for reasons unrelated to your risk profile such as economic and 
market conditions, our business needs or applicable law. We 
will comply with any notice requirements and other restrictions 
of applicable law that are in effect at that time. 

Billing Cycle 
A billing cycle is the period of time between closing dates for 
monthly billing statements on your Account.

Closing Date 
A closing date is the date of the last day of a billing cycle.

New Balance 
Your New Balance is the outstanding unpaid balance of your 
Account on the closing date.

Previous Balance 
Your Previous Balance is the outstanding unpaid balance of 
your Account at the beginning of the billing cycle.

Monthly Billing Statement 
At the end of each billing cycle, we will send a monthly billing 
statement for all accounts with a credit or debit balance. The 
billing statement includes important information including 
(but not limited to) your New Balance, minimum payment due, 
credit limit, cash credit limit, transactions since the last billing 
statement, and any applicable fees and interest charges.

Payment Due Date 
Payments are due on the payment due date shown on your 
billing statement. The billing statement also explains when and 
where the payment must reach us in order to be considered 
received as of that date. Payments are credited as of the date 
of receipt, if the payment is received by the required time at 
the address shown in the top portion of your billing statement. 
If the payment due date falls on a weekend or holiday, we will 
treat any payment received by the required time on our next 
business day at the address designated by us for the payment 
on the billing statement as being received by us on the payment 
due date. If the payment does not conform to these payment 
instructions, crediting may be delayed and additional charges 
may be imposed. 

Variable Rates 
Your Account has variable Annual Percentage Rates. We 
calculate variable Annual Percentage Rates by adding a margin 
to the highest U.S. prime rate published in the Money Rate 
section of The Wall Street Journal three business days (not 
weekends, or federal holidays) before the billing cycle closing 
date shown on your billing statement. The Annual Percentage 
Rate may increase or decrease each month if the prime rate 
changes, and any new rate will become effective retroactive 
to the beginning of the billing cycle during which the prime 
rate changed and will apply to that entire billing cycle. If the 
Annual Percentage Rate increases, you will pay a higher 

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interest charge and may pay a higher minimum payment. See 
the “Interest Charges” section below for more details on the 
variable Annual Percentage Rates and how we calculate interest 
charges on your Account. 

Default 
Your Account will be in default if: 

1) You do not pay at least the minimum payment when due; 
2) You exceed your credit limit(s); 3) You fail to comply with 
this Agreement or any other agreement you have with us; 4) 
We believe you may be unable or unwilling to pay your debts 
on time; 5) You die or become incompetent, imprisoned 
or insolvent or file for bankruptcy; 6) You gave us false or 
misleading information on your application or at any other 
time; 7) More than one payment you made was returned to 
us unpaid within a 12 month period; or 8) You or any of your 
property become subject to seizure, attachment or garnishment 
proceedings. Our acceptance of any payment on the Account 
after a default will not be a waiver of the default.

If your Account is in default, we may, at our option, suspend or 
terminate your ability to use the Account, close the Account, 
and require you to pay your unpaid balance immediately, 
all without demand or notice to you except as required by 
applicable law. We can also begin collection activities. If 
you are in default, we may, subject to any applicable legal 
limitations, require you to pay our collection costs, attorneys’ 
fees, court costs, and all other expenses of enforcing our rights 
under this Agreement, and you agree to pay those costs, fees 
and expenses. Any rights or remedies we have under this 
Agreement are in addition to any rights or remedies we may 
have under any other agreement with you or under applicable 
law, all of which are cumulative.

Business Day 
When we use the term Business Day, this generally refers to any 
day in which our normal business operations are conducted. 
This is generally considered to be Monday through Friday and 
excludes weekends and may exclude federal holidays.

USING YOUR ACCOUNT 
You agree to use your Account only for personal, family or 
household purposes. You agree you will not use or permit 
your Account to be used for illegal purposes, such as illegal 
internet gambling. We may charge your Account for any illegal 
transaction, and we will not be liable if you engage in an 
illegal transaction. You may not use your Account to conduct 
transactions in any country or territory or with any individual or 
entity in violation of any sanctions, restrictions, or prohibitions 
administered or enforced by the U.S. Department of Treasury’s 
Office of Foreign Assets Control (OFAC). We will have no liability 
to you for blocking or failing to block any such transactions. We 
will have no liability for any refusal by any merchant, financial 

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institution, or other person to accept any card. You may use 
your Account in the following ways: 

Purchases 
You may use your Account to obtain goods, services, or 
products from merchants or businesses that accept your Card. 
We authorize charges to your Account in accordance with the 
terms of this Agreement.

Balance Transfers 
If eligible, you may transfer outstanding balances on other 
loans or accounts that you owe to your Account by using 
convenience checks, calling us, or using online or digital 
transfer. You should be careful to monitor and to continue to 
make required payments on any account you transfer a balance 
from until you know that the other creditor has given you credit 
for the balance transfer. We permit balance transfers from most 
non-Hancock Whitney accounts. We do not permit balance 
transfers from other accounts or loans you have with us or with 
any of our related banks or companies.

Cash Advances 
You may obtain cash advances from automated teller machines 
(“ATMs”) and banks that accept your Card. We may make only 
a portion of your total credit limit available for cash advances. 
The portion of your credit limit available for cash advances will 
be further limited by any unpaid cash advances at the time of 
the transaction. Your credit limits, including the cash credit 
limit, are shown on your billing statement. Cash advances from 
ATMs may be limited as to amount and frequency. For example, 
dollar limits may apply to individual transactions and daily limits 
may apply to the total amount of cash advances which may 
be obtained in a single day. Different ATM operators may have 
different transaction limits and may impose additional fees. 
If the ATM operator charges any fee, that fee will be included 
as part of the total cash advance amount. We have no control 
over any ATM operator or network limits or fees other than 
our own. We treat certain other cash-like transactions as cash 
advances including purchasing travelers checks, foreign-
currency, money orders, depositing a convenience check into a 
personal or business account, wire transfers or similar-cash-like 
transactions; purchasing lottery tickets, casino gaming chips, 
race track wagers or similar betting transactions; and making a 
payment using a third party service. Unless we say otherwise, 
convenience checks made payable to cash or to yourself may 
be treated as a cash advance.

Convenience Checks 
Convenience checks may be offered periodically as an 
additional means to access the credit on your Account. We 
are unable to stop payments on convenience checks. We 
will not return paid convenience checks to you, but you may 
ask for copies. See Your Account Opening Disclosures for 
any documentation fees. Some restrictions apply to use of 

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convenience checks: they may not be written as payment on 
any other loan or credit account with us or any of our related 
banks or companies; they may be used only by the person 
whose name is printed on the check; they must be written in 
U.S. dollars; they cannot be certified; you cannot assert a claim 
against us if you have a dispute with a merchant about any 
purchase or transaction that you paid for using a convenience 
check; and we reserve the right to place other conditions and 
limitations on the use of convenience checks and the right 
to decline and return unpaid any convenience check in our 
discretion. We will generally treat convenience checks as 
balance transfers for purposes of calculating interest charges 
and fees, except convenience checks made payable to cash 
or to yourself or deposited into a personal or business deposit 
account may be treated as a cash advance. See the “Interest 
Charges” section below for more details. Purchases or balance 
transfers made using convenience checks are not eligible for 
rewards points.

Automatic Charges 
You may set up scheduled and repeat transactions to your 
Account. If your Account is closed or suspended, or your 
Account number changes, you will need to contact any persons 
that you are paying by automatic transactions with updated 
payment information. We are not responsible for scheduled and 
repeat transactions if your Account is closed or suspended, 
the Account number changes, or if you do not have sufficient 
credit available on your Account for any reason. You, the 
Cardmember, are responsible for initiating, maintaining and 
terminating all scheduled, automatic charges to your Account.

Mobile Devices 
You or an authorized user may be permitted to load your 
Account information to an app on a smartphone or other 
electronic device, such as a mobile wallet, which may be used 
for purchases or other transactions without presenting the 
Card. Any such transactions are covered by this Agreement. 
We have no responsibility for the performance of any app or 
device. You should protect the security of any electronic device 
just as you would your Card or other valuable information. Fees 
may be charged by third parties related to any such transaction, 
such as data or messaging charges. We may at any time restrict 
or limit your ability to make transactions using your Card or 
Account information through a third party or electronic device. 

Foreign Transaction Fees and Exchange Rate 
If we charge a foreign transaction fee on your Account, the 
amount will appear in Your Account Opening Disclosures, and 
the fee will apply to transactions that are made in a currency 
other than U.S. Dollars. You agree to pay those charges. If you 
make a transaction in a foreign currency, the card association 
or network will convert the transaction into U.S. Dollars in 
accordance with its operating rules then in effect. The card 
association may charge a conversion fee when this is done 

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which may be added to the amount of the transaction. We do 
not determine the exchange rate or card association fees. The 
exchange rate used may differ from rates available from other 
financial institutions in the U.S. or in the country in which the 
transaction occurred. The exchange rate on the processing 
date may differ from the rate on the transaction date or posting 
date. And in the case of returned merchandise or other credits 
for transactions in a foreign currency, the exchange rate used 
may differ from the rate applied to the original transaction. 

Authorization of Transactions/Closing Your Account 
We do not guarantee approval of transactions, and we reserve 
the right to deny transactions for any reason, such as default 
or suspected fraudulent or illegal activity, or any indication of 
risk related to the transaction or Account. We also reserve the 
right to close or suspend your Account. Sometimes we limit 
or suspend credit availability or close accounts for reasons 
other than your actions or inactions, such as market conditions 
or our business needs. You may close your Account at any 
time by contacting us at the phone number listed in the “Your 
Billing Rights” section below, or on your billing statement or 
the back of your Card, or you may write to us at the address on 
your billing statement. Each Card is the property of Hancock 
Whitney Bank, and may be cancelled by us at any time and 
must be surrendered to us upon request. We may decline 
transactions or suspend or close your Account for any reason, 
such as operational matters, the Account is in default, or we 
suspect fraudulent or unlawful activity, or for no reason. We 
are not responsible for any losses associated with a declined 
transaction or suspended or closed Account. After your 
Account is closed, whether by you or by us, you may no longer 
make transactions on your Account, but you remain liable for 
all amounts you owe under this Agreement, and our rights and 
your obligations under this Agreement will continue until we 
receive payment in full of all amounts you owe.

REPAYMENT 
You promise to pay us for all transactions on your Account 
including those made by anyone you permit to use your Account 
together with all interest charges, fees and other amounts 
you owe us under this Agreement. We will send you a billing 
statement, if one is required, each month. It will show your 
minimum required payment. After you make a payment, it may 
take up to 10 days to restore available credit on your Account. 
If there is more than one Cardmember on this Account, we may 
send the billing statement to any one of you.

Payment Instructions 
You must follow the payment instructions on your billing 
statement. If you pay us by check, money order, or electronic 
payment it must be drawn on a U.S. bank or a foreign bank 
branch in the U.S. All payments must be in U.S. Dollars. You 
authorize us to convert any check, draft or other paper item to an 

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electronic transaction. We will credit your payment as of the same 
day we receive it if the payment is made following the instructions 
on your billing statement and we receive it by the time and at 
the location specified. Credit for payments made at any other 
location or by any other method may be delayed. If we receive 
a payment check that is postdated, you agree that we may 
process it or return it to you, in either case without waiting for 
the check date, and we will not be liable for any loss or expense 
you may incur. We may accept and process any check or other 
payment marked as “paid in full” or with any other restrictive 
words without losing any of our rights to collect the full amount of 
your Account balance. You agree not to pay this Account using 
another Hancock Whitney Bank credit or loan account without 
our permission, and you agree not to pay this Account using a 
convenience check. 

Minimum Payment 
Your minimum payment due each month will be rounded up 
to the nearest dollar and be the greater of (i)$10.00 or (ii) 2% 
of the New Balance on your billing statement or (iii) the total 
of any interest charge and all outstanding charges and fees. 
If applicable, your minimum payment due will also include the 
greater of the past due amount of any prior minimum monthly 
payments or the amount by which the New Balance exceeds the 
approved credit limit(s) on the Account. If the New Balance is 
less than $10.00, your minimum payment due will be the amount 
of the New Balance. You agree to pay at least the minimum 
payment when due. You also agree to pay all past due and over 
the limit amounts by the payment due date or sooner if we ask. 
You can pay down balances faster by paying more than the 
minimum payment. You may also prepay your Account in full 
or in part at any time without penalty. Any partial prepayment 
will not affect your obligation to continue to make minimum 
payments when due, and interest charges may continue to 
accrue on your remaining balance. Your payment due date will 
be at least 25 days after each billing cycle closing date. If you fail 
to make a required minimum payment on or before the payment 
due date, you agree to pay the Late Payment Fee disclosed in 
Your Account Opening Disclosures. The minimum payment, past 
due amount, over the limit amount, and any late payment fees 
will appear on your billing statement. 

Grace Period on Paying Interest on Purchases 
The grace period is the time when you are not charged interest 
on new purchases made with your Card. Balance transfers, 
including convenience checks, and cash advances do not have 
a grace period. We do not charge interest on any part of the 
balance of purchases you make with your Card that you pay 
before the end of the grace period. See the “Payment Allocation” 
section below for more information on how the allocation of 
payments may affect the grace period on purchases. Also, for 
more details about how we calculate your interest charges, see 
the “Interest Charges” section of this Agreement. 

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Payment Allocation 
When you make a payment, generally, we first apply your 
minimum payment to the balances included in calculating your 
minimum payment. Any payment above your minimum payment 
will generally be applied to the balances with highest Annual 
Percentage Rate, and then to each successive balance bearing 
the next highest Annual Percentage Rates. You can reduce the 
amount of interest you pay by making payments larger than the 
minimum payment due. 

Applying payments above the minimum payment to the balances 
with higher Annual Percentage Rates first could, in some 
instances, mean you will not receive the full benefit of the grace 
period for new purchases. If, for example, the Annual Percentage 
Rate on purchases is higher than the Annual Percentage Rate 
on cash advances or balance transfers, payments above your 
minimum payment amount may be allocated to the balance of 
purchases, including new purchases that have not yet been billed 
for the first time, before being allocated to any balance transfer 
or cash advance balances. This could also result in additional 
interest charges on any balance transfer or cash advance 
balances because interest charges apply to balance transfers 
and cash advances until they are paid in full. 

Credit Balances 
You may request a refund of any credit balance. We do not pay 
interest on credit balances. If you do not request a refund, we will 
apply your credit balance to new charges on your Account. If a 
credit balance meets a minimum threshold amount and remains 
on your Account for a minimum time period as defined by 
applicable law, we will automatically refund it to you. 

INTEREST CHARGES 
This section describes how we compute interest charges on your 
Account. The Monthly Periodic Rates and Annual Percentage 
Rates in effect at the time this Agreement was prepared may be 
found in Your Account Opening Disclosures. You promise and 
agree to pay the interest charges and fees as provided in this 
Agreement and Your Account Opening Disclosures.

Periodic Interest Charge Calculation 
We compute interest charges separately on purchases, cash 
advances, balance transfers, and promotional balances, and the 
total interest charges will be disclosed on your billing statement 
as Interest Charge. No interest charges will be imposed on new 
purchases made with your Card that are billed for the first time if 
you pay the entire New Balance of your Account shown on the 
billing statement by the Payment Due Date. Interest charges will 
be imposed on cash advances from the date of the transaction 
and continuing until the balance of cash advances is paid in full. 
Interest charges will be imposed on balance transfers beginning 
on the date each transaction is posted to your Account and 
continuing until the balances are paid in full. There is no grace 

9

period to avoid paying interest charges on cash advances or 
balance transfers.

Average Daily Balance 
We figure the interest charges on your account by applying the 
applicable Monthly Periodic Rate to the average daily balance 
(including new transactions) for each transaction category 
on your Account. Transaction categories include purchases, 
balance transfers, cash advances, and promotional balances. 
We calculate the “average daily balance” for each transaction 
category by taking the beginning balance of that transaction 
category each day and adding any new transactions in that 
category to the balance (except, we will not include new 
purchases made with your Card if you have paid in full the New 
Balance on your previous billing statement by the Payment Due 
Date on that statement or if the New Balance on your previous 
billing statement was zero). We then subtract any payments or 
credits and unpaid interest or other “Finance Charges” allocated 
to the transaction category balance for the day. This gives us the 
daily balance for the transaction category. The daily balances for 
the transaction category are then added together and divided by 
the number of days in the billing cycle. The result is the average 
daily balance for that transaction category and is shown on your 
billing statement as the “Balance Subject to Interest Rate.”  

Introductory and Promotional Rates 
Your Account may be eligible for introductory rates. If so, this 
will be described in Your Account Opening Disclosures. If you 
are offered a promotional rate after your Account is opened, the 
terms will be provided to you at that time. After any introductory 
or promotional rates expire, the remaining balances will be 
subject to the applicable standard variable Annual Percentage 
Rates.  

Variable Annual Percentage Rates and Monthly Periodic Rates 
Your Account has a variable Annual Percentage Rate for 
each transaction category. We determine the variable Annual 
Percentage Rate separately for each transaction category by 
adding a margin to the highest U.S. Prime Rate published in the 
Money Rate section of The Wall Street Journal three business 
days (not weekends, or federal holidays) before the closing 
date shown on your billing statement. A different margin may 
apply to different transaction categories. (See Your Account 
Opening Disclosures for information on your margins.) The 
Annual Percentage Rate may increase or decrease each month 
if the Prime Rate changes. Any new rate will become effective 
retroactive to the beginning of your billing cycle during which the 
Prime Rate changed, and the new rate will apply to that entire 
billing cycle. If the Annual Percentage Rate increases, you will 
pay a higher interest charge and may pay a higher minimum 
payment. The Prime Rate is simply a reference index and is 
not the lowest interest rate available. If The Wall Street Journal 
changes its method of determining, or stops publishing, the 
Prime Rate, we may substitute a different reference rate. 

10

To calculate the Monthly Periodic Rate for each transaction 
category, we divide the Annual Percentage Rate for that category 
of transactions by 12. We may combine different transaction 
types that have the same monthly interest rates. To calculate the 
interest charges on your Account: 

•  We multiply the Monthly Periodic Rate by the Average Daily 

Balance for each transaction type.

•  We add together the interest charges for each transaction 

type for the billing cycle.

•  If a minimum interest charge is disclosed in Your Account 

Opening Disclosures, we will charge you at least the 
minimum interest charge any time an interest charge is due.

Adding New Transactions and Fees 
We add transactions and fees to your daily balance no earlier 
than:

•  For new purchases or cash advances – the date of the 

transaction.

•  For convenience checks and balance transfers – the date of 

posting to your Account.

•  Fees – either on the date of a related transaction, the date 

they are posted to your Account, or the last day of the billing 
cycle, whichever we may choose.

Residual Interest 
Interest charges will be imposed on cash advances from the 
date of the transaction and continuing until the balance of 
cash advances is paid in full. Interest charges will be imposed 
on balance transfers beginning on the date each transaction 
is posted to your Account and continuing until the balances 
of balance transfers are paid in full. Even if you pay your New 
Balance in full by the payment due date, your next billing 
statement may include interest charges on previously billed cash 
advances and balance transfers for the period of time between 
your previous statement and the date your payment was applied.

Penalty Annual Percentage Rates  
If a Penalty Annual Percentage Rate is disclosed in Your Account 
Opening Disclosures (“Penalty Rate”), the Penalty Rate disclosed 
will apply and become the Annual Percentage Rate applicable 
to purchases, balance transfers, and cash advances if you fail 
to make at least your minimum payment within 60 days after its 
due date, subject to any advance notice requirement required by 
applicable law. Your Account will remain at the Penalty Rate until 
you make six consecutive timely minimum periodic payments 
beginning with the payment due immediately following the 
effective date of the Penalty Rate. At the time you meet these 
requirements, the Penalty Rate will terminate and your Annual 
Percentage Rate will revert to the Annual Percentage Rate 
defined in Your Account Opening Disclosures. If we decide not 
to increase your Annual Percentage Rate even though there is 
a default, or if we do not increase your Annual Percentage Rate 
to the maximum Penalty Rate stated in the then-current Your 

11

Account Opening Disclosures, we reserve our right to increase 
your Annual Percentage Rate to the Penalty Rate in the event 
of any future or continuing default. We may in our discretion 
determine to charge reduced Penalty Rates or reinstate standard 
rates for all or selected balances of your Account without notice.

PAYING FEES AND INTEREST
Paying Fees 
Certain transactions and situations may cause your Account 
to receive a fee or have another impact on your Account. The 
amounts of these fees are disclosed in Your Account Opening 
Disclosures. Your Account Opening Disclosures may indicate an 
amount “up to” a certain limit for penalty fees, like a late payment 
fee, because applicable law may restrict our ability to impose 
the full amount of the penalty fee in some circumstances. If this 
applies, additional detail reflecting limitations imposed under 
applicable law will be explained in the “Penalty Fees” provision 
below the rates and fees table in Your Account Opening 
Disclosures. Additional services we may offer after your Account 
is opened may incur additional service fees; be sure to carefully 
review the details of any additional services to understand the 
terms. 

Paying Interest 
To avoid paying interest on new purchases, pay your New 
Balance in full each month. We will not charge you interest on 
new purchases billed for the first time if you pay your entire 
balance by the due date each month. We will begin charging 
interest on balance transfers on the posting date. We will begin 
charging interest on cash advances on the transaction date. 
You cannot avoid paying interest on cash advances or balance 
transfers.

Cash Advance Fee 
A transaction fee will be imposed on each cash advance and 
added to your Account. The amount of the fee is disclosed in 
Your Account Opening Disclosures.

Balance Transfer Fee 
A transaction fee will be imposed on each balance transfer and 
added to your Account. The amount of the fee is disclosed in 
Your Account Opening Disclosures.

Convenience Check Fee 
A transaction fee will be imposed on each convenience check. 
We generally treat convenience checks like balance transfers 
and the balance transfer fee disclosed in Your Account Opening 
Disclosures will be imposed on each convenience check. 
However, a convenience check made payable to cash or to 
yourself or which is deposited into a personal or business 
deposit account may be treated as a cash advance, and the cash 
advance fee disclosed in Your Account Opening Disclosures may 
be imposed.

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Returned Payment Fee 
Do not submit a payment that could be returned unpaid. If a 
Returned Payment Fee is disclosed in Your Account Opening 
Disclosures, we may charge this fee if the payment you offer to 
us is not honored, is returned unpaid, or cannot be processed for 
any reason. 

Collections and collection costs and expenses 
Do not default. If you are in default, we may take the actions 
described in the “Default” section under Important Definitions 
above.

FREQUENT INQUIRIES 
Review this section for common situations or questions that 
might require action by you or Hancock Whitney.

You think you found a mistake on your statement. 
Contact us at the phone number listed in the “Your Billing Rights” 
section below, or on your billing statement or the back of your 
Card, or you may write to us at the address on your billing 
statement. We will investigate and contact you with our findings. 
Please see the “Your Billing Rights” section below for more 
details.

You are dissatisfied with a credit card purchase. 
You should first attempt to resolve the problem with the 
merchant. Then, contact us about the purchase. We will research 
the problem and contact you with our findings. Please see the 
“Your Billing Rights” section below for more details. 

Your card is lost or stolen or you suspect unauthorized use of your 
Account. 
If your Card is lost, stolen or you think someone used your 
Account without your permission, you should call us immediately 
at the phone number listed in the “Your Billing Rights” section 
below, or on your billing statement or the back of your Card. 
You may also contact us at the address shown on your billing 
statement. We need your help to find out what happened and 
correct the problem. You will not be liable for any unauthorized 
use that occurs after you notify us. You may, however, be liable 
for unauthorized use that occurs before your notice to us. In 
any case, your liability will not exceed $50 or any lesser amount 
set by applicable law or card association rules at the time of the 
occurrence.

Your Account is closed or suspended. 
Even if your Account is closed or suspended, you remain 
responsible for your Account, and you must still repay all 
amounts you owe on the Account in accordance with the terms 
of this Agreement.

You want to transfer a balance or make a cash advance. 
You will incur a transaction fee for these transactions. See Your 
Account Opening Disclosures for the amount of these fees.

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Your address changes. 
Let us know immediately if your address or contact information 
changes. You may contact us by calling the phone number 
listed in the “Your Billing Rights” section below, or on your billing 
statement or the back of your Card, or you may write to us at the 
address found on your billing statement.

OUR RELATIONSHIP WITH YOU 
Maintaining a positive relationship with you is important to us. 
Please review these terms to understand more about your 
Account and this Agreement.

Communications 
We may send cards, statements and other communications 
to you at any mailing or email address we have for you in our 
records. If more than one person is responsible for this Account, 
we can provide billing statements and communications to only 
one of you. When you give us your mobile phone number, 
you agree that we have your permission to contact you at 
that number about all your Hancock Whitney accounts. You 
also agree that your consent allows us to use text messaging, 
artificial or prerecorded voice messages and automatic dialing 
technology for informational and account service calls, but not 
for telemarketing or sales calls. It may include contact from 
companies working on our behalf to service your accounts 
with us. Message and data rates may apply. You may contact 
us anytime to change these preferences. We may also send 
an email to any address where we reasonably believe we can 
contact you. Some of the legal purposes for calls, text messages 
and emails include: suspected fraud or identity theft; obtaining 
information; transactions on or servicing of your accounts; 
collecting on your accounts; and providing you information about 
our products and services. Notify us immediately of any changes 
to your contact information using the address or phone number 
shown on your billing statement or the phone number shown on 
the back of your Card.

Loyalty Programs 
The terms and conditions for any loyalty programs offered for 
your Account are voluntary and separate and distinct from the 
terms of your Card Agreement. Participation in loyalty programs, 
such as rewards programs, means you agree to the loyalty 
program’s terms and conditions. We have the right to terminate 
loyalty programs at any time and without notice. In addition, the 
benefits and rewards of loyalty programs may be changed or 
removed at any time without notice to you. The separate and 
distinct loyalty agreement means a change to its terms in no way 
impacts the relationship maintained under this Agreement. For 
additional information about loyalty programs, you may call us 
at the phone number listed in the “Your Billing Rights” section 
below, or on your billing statement or the back of your Card.

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Telephone Monitoring 
We may listen to and record your telephone calls with us.

Credit Information 
We may obtain and review your credit history from credit 
reporting agencies and others. We may, from time to time, obtain 
employment and income data from third parties to assist us in 
the ongoing administration and review of your Account. We may 
also provide information about you and your Account to credit 
reporting agencies and others. Late payments, missed payments, 
or other defaults on your Account may be reflected in your credit 
report. We may provide information to credit reporting agencies 
about this Account in the name of an authorized user. If you think 
we may have provided incorrect information, contact us and we 
will investigate. 

Enforcement 
We may enforce the terms of this Agreement at any time. If we 
choose, we may do any of the following without notice to you 
and without affecting your liability under this Agreement: 1) 
extend the time for payment, 2) waive or delay enforcing any 
of our rights without losing those rights, 3) release or excuse 
any Cardmember or guarantor from any obligations under 
this Agreement, or 4) release or surrender any collateral, all 
without losing our rights against any person. If any terms of this 
Agreement are found to be unenforceable for any reason, we 
may still enforce the other terms.

Security Interest 
If you have other loans with us or take out other loans with us in 
the future, collateral securing those other loans will also secure 
your obligations to us under this Agreement. However, unless 
you expressly agree otherwise in writing and we give you any 
additional disclosures required by applicable law and regulation, 
your household goods and your primary dwelling will not secure 
your obligations under this Agreement even if we have or obtain 
later a security interest in the household goods or a mortgage 
or security interest on the dwelling. Also, we waive any rights 
we may have to offset any amounts you owe us under this 
Agreement against any funds you may have on deposit with us 
unless we first obtain a judgment against you for what you owe, 
or unless we have a consensual security interest in such funds or 
obtain or enforce a court order relating to the such funds.

Governing Law 
This Agreement and your Account will be governed by applicable 
federal laws and the laws of the State of Mississippi, and those 
laws will apply no matter where you live or use this Account.

Assignment 
We may assign your Account, balances you owe, or any of 
our rights and obligations under this Agreement without your 
consent. You may not assign any of your rights or obligations 
under this Agreement.

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Relationship Pricing 
Some accounts may receive rate and fee pricing based on 
the relationship of the Cardmember or account to us, such as 
employee accounts. If any relationship pricing is associated 
with this Account, that pricing may terminate at the point the 
relationship qualifying the Account terminates. 

Covered Borrowers under the Military Lending Act 
Some terms will not apply to any person who is a “covered 
borrower” under the Military Lending Act, 10 U.S.C. §987, at 
the time this Agreement is entered into. A covered borrower 
includes any person on active duty with the U.S. military and their 
dependents. Please see the section on “Important Information 
about the Military Lending Act” below for more information.

Severability 
Hancock Whitney hopes for a long and positive relationship 
during which this Agreement will remain in place. The Bank fully 
anticipates that laws, regulations, statutes and court decisions 
will change over the course of our relationship. Should any part 
of the Agreement be negated by future laws, regulations, statutes 
or court decisions, the remainder of the Agreement will still bind 
the Cardmember relationship. 

Your Billing Rights 
Keep This Notice 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, write to us at:

Hancock Whitney Bank
Credit Card Center
PO Box 61750
New Orleans, LA 70161-1750
1-800-448-8812

In your letter, give us the following information: 

•  Your name and Account number; 
•  The date and dollar amount of the suspected error. 
•  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 at the address 
above. You may notify us using other ways (including telephone), 
but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question. 

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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 (or less, if required by applicable 
law or card association rules) of 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. (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.) 

17

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 yet 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 at: 

Hancock Whitney Bank
Credit Card Center
PO Box 61750
New Orleans, LA 70161-1750

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. 

IMPORTANT INFORMATION ABOUT THE MILITARY 
LENDING ACT 
The Military Lending Act, 10 U.S.C. § 987, and related regulations 
of the U. S. Department of Defense (together, the “MLA”) provide 
important benefits to any person who is a “covered borrower” 
under the Act when obtaining certain types of consumer credit. 
Please review these terms to understand more about whether 
you are a covered borrower and how this affects your Account 
and this Agreement.

Who is a “covered borrower”? 
The MLA generally defines a covered borrower as:

1. Full time active duty servicemembers and those under a 

call or order to active duty of 30 days or more, and those on 
Active Guard or Reserve Duty; 

2. The covered servicemember’s dependents including his 

or her: spouse, children under age 21, children under age 
23 enrolled as a full-time student at an institution of higher 
learning and dependent on the covered servicemember for 
over one-half of their support, children of any age incapable 
of self-support due to mental or physical incapacity that 
occurred while a dependent of the covered servicemember 
and who are dependent on a covered servicemember 
for over one-half of their support, parent or parent-in-law 
who is dependent on the covered servicemember for over 
one-half of the person’s support and who resides in the 
covered member’s household, and an unmarried person 
in the legal custody of the covered servicemember who: (i) 
is either under age 21, under age 23 and enrolled in a full 
time course of study at an institution of higher learning, or 
is incapable of self-support because of a mental or physical 
incapacity; (ii) is dependent on the covered servicemember 
for over one-half of the person’s support; and (iii) who 
resides with the covered servicemember unless separated 
by military service or to receive institutional care.

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What are the benefits for covered borrowers? 

•  If you are a covered borrower, the MLA provides you with 
certain benefits when you obtain many types of consumer 
credit, including the following:

•  36% MAPR interest cap. The Military Annual Percentage 
Rate (MAPR) may not exceed 36%. This might sound 
unusually high, but this calculation includes more than just 
the interest rate. It also takes into account certain other 
fees and charges. The Statement of the Military Annual 
Percentage Rate below describes what is included in the 
MAPR.

•  Certain credit or loan terms are prohibited including: use 
of mandatory arbitration clauses; waiver of any right to 
recourse under applicable state or federal law including the 
Servicemembers Civil Relief Act; requiring unreasonable 
notice from the borrower as a condition for legal action; 
requiring establishment of an allotment to repay the loan; 
prepayment penalties or provisions prohibiting prepayment; 
and requiring use of a check or other means of access to 
the borrower’s deposit Account.

•  Federal law requires that you receive a clear description of 

your required payments.

Some exceptions and limitations apply. This is not a 
comprehensive description of all of the terms of the MLA. You 
may want to consult with your military commanders, military legal 
assistance officers or other legal counsel for more information.

How does the MLA affect this Agreement? 
If you are a covered borrower at the time you become legally 
obligated for this Account, the following additional terms will 
apply to you and will control over any inconsistent terms in the 
Agreement: 

•  We waive any annual fee. We will charge interest and 

impose other fees as provided in the Agreement, except that 
your MAPR will never exceed 36% (See the Statement of the 
Military Annual Percentage Rate below). See Your Account 
Opening Disclosures for a description of your required 
minimum monthly payment. You may prepay the balance of 
your Account in full or in part at any time without penalty. 

•  We waive any other provision or requirement of the 

Agreement which would violate the MLA. Any such waived 
provision or requirement is severed from this Agreement 
and does not apply to any Covered Borrower under this 
Agreement. We may enforce the remaining provisions of the 
Agreement. 

Statement of the Military Annual Percentage Rate 
Federal law provides important protections to members of the 
Armed Forces and their dependents relating to extensions of 
consumer credit. In general, the cost of consumer credit to a 
member of the Armed Forces and his or her dependent may 

19

not exceed an annual percentage rate of 36 percent. This rate 
must include, as applicable to the credit transaction or account: 
The costs associated with credit insurance premiums; fees for 
ancillary products sold in connection with the credit transaction; 
any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and any 
participation fee charged (other than certain participation fees for 
a credit card account).

Payment Obligation 
Generally, your minimum monthly payment under your account 
shall be the greater of (i)$10.00 or (ii) 2% of the New Balance on 
your billing statement or (iii) the total of any interest charge and 
all outstanding charges and fees. If the New Balance is less than 
$10.00, your minimum payment due will be the amount of the 
New Balance. See the “Minimum Payment” section for details.

For More Information 
You may call us at the phone number listed in the “Your Billing 
Rights” section above, or on your billing statement or the back 
of your Card, to receive a Statement of the Military Annual 
Percentage Rate and a description of your payment obligation, 
or if you have any questions about the MLA and your Agreement 
with us. 

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F03-Y096-9