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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.

(B)  “Agreement”  means  this  Cardholder  Agreement  and  Disclosure 

Statement.

(C)  “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.

(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, 
trust  or 
proprietorship,  association,  cooperative,  estate, 
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)  “Margin” means the number of percentage points added to the 
Prime  rate  defined  in  Section  11(A)(3)  below  to  calculate  the 
applicable variable interest rate.

(L)  “Monthly  Periodic  Rate”  means  the  percentage  rate  of  interest 
charge  imposed  against  the  outstanding  balance  on  a  monthly 
basis.

(M)  “New Balance” means the balance outstanding on the Account 

on the Closing Date.

(N)  “Previous Balance” means the outstanding unpaid balance on the 

Account at the beginning of the Billing Cycle.

(O)  “Purchase”  means  the  purchase  or  lease  of  goods  and  the 
purchase  of  services  and 
from  merchants  or 
businesses  that  accept  Visa  credit  cards  through  the  use  of  a 
Card or the Account.

insurance 

(P)  “We” or “us” means Whitney Bank.
(Q)  “Whitney  Bank”  means  a  wholly-owned  banking  subsidiary  of 

Hancock Holding Company. 

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.

2.

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.

6.

7.

8.

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. 

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.

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. 

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  Purchases  (including  current  transactions), 
Balance Transfers, and Cash Advances and adding the results. 
(a)  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 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 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. 
(b)  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. 
(c)  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. 

(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,  Balance 
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  a  Margin  of  9.74%  to  14.74%, 
based upon your creditworthiness at the time of Account 
opening,  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 a Margin of 9.74% to 14.74%, based upon your 
creditworthiness at the time of Account opening, 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  Payment  Fee.  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 payment fee of up 
to $15.00. The late payment fee will be reflected in the New 
Balance of your Account.

(2)  Returned Payment Fee. You agree to pay a returned payment 
fee 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  payment  fee  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 any indebtedness now or hereafter owed to us, it 
is hereby 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 

. . . CONTINUED ON REVERSE SIDE

 
under 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 
PO Box 61750
New Orleans, La 70161
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. If you need more information, describe the item 
you are not sure about. 

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.

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;

•  While you do not have to pay the amount in question, you are 

(l)  The Cardholder has notified the Bank or the Bank has otherwise 

responsible for the remainder of your balance.

determined that a Card has been lost or stolen; or

• 

•  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. We will apply minimum monthly 
payments  we  receive,  as  well  as  credits  to  your  Account  other  than 
payments,  to  your  Account  indebtedness  in  the  order  we  deem 
appropriate.  Payment  amounts  in  excess  of  the  minimum  monthly 
payment will be applied first to the balance with the highest ANNUAL 
PERCENTAGE RATE and then to each successive balance bearing the 
next highest ANNUAL PERCENTAGE RATE.
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 
Bank shall have the right to accept the payment, disregard the markings 
and 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.
Additionally, if the Cardholder has any questions about the Card or how 
it works, other than billing inquiries, mistakes, or disputes, please call us 
at 1-800-844-4450. If you have billing questions, mistakes, or disputes 
to  ask  or  report,  please  follow  all  the  instructions  herein  or  on  your 
monthly billing statement. 

18.  Refunds  and  Adjustments.  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 or adjustment. 

(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 Card 
or 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 acceptance 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. 

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 to close the Account 
if  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, as permitted by law, 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-U164-0 -0715