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HANCOCK WHITNEY BANK
CARDHOLDER AGREEMENT
AND DISCLOSURE STATEMENT
This Cardholder Agreement and Disclosure Statement is the contract that 
governs  the  use  of  a  Hancock  Whitney  Preferred  Visa®  Platinum  Card 
Account.  This  Cardholder  Agreement  and  Disclosure  Statement  contains 
(1) the terms and conditions that bind the user of any Hancock Whitney 
Preferred Visa® Platinum Card Account or any Hancock Whitney Preferred 
Visa®  Platinum  Card  issued  in  connection  with  the  Account  and  (2)  the 
disclosures required by the Federal Truth in Lending Act. Use of the Hancock 
Whitney Preferred 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 Hancock Whitney Preferred Visa® Platinum Card 
account: 
(A)  “Account” means the account for which a Cardholder is issued one 

or more cards.

(B)  “Authorized User” means any person a Cardholder has authorized 
to use a Card or to obtain credit on an Account, whether or not 
the Authorized User is named in the Cardholder’s application or 
request for a Card or an Account.

(C)  “Agreement”  means  this  Cardholder  Agreement  and  Disclosure 

Statement.

(D)  “Balance Transfer” means a balance from a loan or account that 
Cardholder  owes  to  another  creditor  or  financial  institution  that 
Bank allows a Cardholder to transfer to the Account.

(E)  “Bank” means Hancock 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  Hancock  Whitney  Preferred  Visa®  Platinum 

Card issued by the Bank to a Cardholder. 

(H)  “Cardholder” means each natural person or organization, including, 
without  limitation,  a  corporation,  partnership,  proprietorship, 
association,  cooperative,  estate,  trust  or  government  unit,  to 
whom  a  Hancock  Whitney  Preferred  Visa®  Platinum  Card  is 
issued  pursuant  to  the  request  or  application  of  that  person  or 
organization.

(I)  “Cash Advance” means any extension of credit obtained from the 
Bank or another financial institution that accepts Visa credit cards, 
including cash obtained from an automated teller machine. 
(J)  “Closing Date” means the date on the last day of a Billing Cycle.
(K)  “Monthly  Periodic  Rate”  means  the  percentage  rate  of  interest 
charge  imposed  against  the  outstanding  balance  on  a  monthly 
basis. 

(L)  “New Balance” means the balance outstanding on the Account on 

the Closing Date. 

(M)  “Previous Balance” means the outstanding unpaid balance on the 

Account at the beginning of the Billing Cycle. 

(N)  “Purchase”  means  the  purchase  or  lease  of  goods  and  the 
purchase of services and insurance from merchants or businesses 
that  accept  Visa  credit  cards  through  the  use  of  a  Card  or  the 
Account.

(0)  “Hancock Whitney Bank” means a banking subsidiary of Hancock 

Whitney Corporation. 

2.  Agreement.  Pursuant  to  the  Cardholder’s  request  or  application,  the 
Bank has established an Account in the name of the Cardholder and 
has  issued  one  or  more  Cards  to  the  Cardholder.  By  requesting  or 
applying  for  a  Card  or  an  Account,  retaining  a  Card,  signing  a  Card, 
using a Card, or using the Account, the Cardholder has agreed to the 
terms  and  conditions  contained  in  this  Agreement.  This  Agreement 
governs the Account and the use of any Card issued to the Cardholder 
in connection with the Account. The Bank agrees to pay the applicable 
merchant or business, in accordance with the terms and conditions of 
this Agreement, for the Purchases that the Cardholder or an Authorized 
User makes with a Card, and the Bank agrees to make Cash Advances, 
in accordance with the terms and conditions of this Agreement, to the 
Cardholder or an Authorized User. The Cardholder authorizes the Bank 
to charge the Account for all amounts the Bank pays on Purchases, 
for  all  amounts  the  Bank  advances  to  any  Cardholder  or  Authorized 
User  on  Cash  Advances,  and  for  all  amounts  the  Bank  advances  or 
pays to third parties on behalf of a Cardholder or an Authorized User, 
including  any  amounts  advanced  on  behalf  of  the  Cardholder  or  an 
Authorized User as a result of the use of a Card to obtain any services 
offered by VISA U.S.A., Inc. Bank may allow a Cardholder to transfer 
to  the  Account  balances  that  the  Cardholder  owes  to  other  creditors 
or  financial  institutions,  up  to  the  amount  of  the  Account  credit  limit 
that Bank makes available for Balance Transfers. If Cardholder requests 
a Balance Transfer, Cardholder agrees to monitor each account from 
which a balance is being transferred and continue making the minimum 
payment  due  on  that  account  until  the  other  creditor  or  financial 
institution  provides  an  account  statement  that  shows  the  balance  of 
Cardholder’s other account has been paid in full, if applicable. This may 
not occur until after the Balance Transfer appears on a billing statement 
from Bank. Cardholder is liable for any late payments, interest charges 
or disputed amounts on the other account. Cardholder is responsible for 
instructing Cardholder’s other creditor or financial institution to close 
Cardholder’s other account if that is Cardholder’s preference. 

3.  Use of a Card/Account. All Cards and/or Accounts shall be used solely 
for personal, family, or household purposes. The Cardholder agrees that 
all Cards and Accounts shall be used solely for Purchases and/or Cash 
Advances for personal, family, household or other consumer purposes 
and  agrees  that  Purchases  and/or  Cash  Advances  for  business 
purposes  shall  not  be  obtained  through  a  Card  or  Account.  The 
Cardholder and any Authorized User may use a Card or the Account for 
Purchases, and the Cardholder may use a Card or the Account for Cash 
Advances. The Cardholder or an Authorized User must sign the panel 
on the back of each Card issued to the Cardholder. The effect of using 
the Account number for a Purchase or a Balance Transfer or to obtain a 
Cash Advance without presenting a Card, as in a Purchase or Balance 
Transfer or Cash Advance made or arranged by mail or telephone, shall 
be the same as if the Card itself were presented to make the Purchase 
or Balance Transfer or to obtain the Cash Advance. 

4.  Notice Regarding Illegal Internet Gambling Transactions. Pursuant to 
the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation 
GG (collectively, the “Act”), this is to notify the Cardholder that items 
and  transactions  related  to  illegal  Internet  gambling  (“Restricted 
Transactions”)  will  not  be  processed  through  your  Account(s). 
Restricted Transactions include any transactions in which a gambling or 
gaming business accepts payment in connection with unlawful Internet 
gambling, whether by credit card, debit card, electronic funds transfers, 
checks, or other means. The Bank shall have no liability whatsoever for 
the refusal or return of items or transactions, or for any claims or losses 
arising from or related to its refusal or return of items or transactions, 
and/or  its  closure  of  your  Account(s),  believed  by  the  Bank  to  be  in 
violation of the Act. 

5.  Liability for Payment. The Cardholder authorizes the Bank to charge 
the Account for all Purchases, Balance Transfers and Cash Advances 
resulting from the use of the Card or the Account. The Cardholder shall 
pay to the Bank all amounts owed on the Account, including, without 
limitation, the amounts paid or advanced by the Bank on all Purchases, 
Balance Transfers and Cash Advances, any interest charges assessed 
on the Account, and any other fees and charges the Cardholder owes to 
the Bank under the terms of this Agreement, by any method of payment 
that is acceptable to the Bank provided it is in United States dollars, in 
accordance with the terms of this Agreement. If the Account is a joint 
Account, each Cardholder agrees to pay all amounts owed to the Bank 
on  the  Account.  Each  Cardholder  on  a  joint  Account  shall  be  jointly, 
severally, and solidarily liable for the payment of all amounts owed to 
the Bank on the Account, regardless of which Cardholder or Authorized 
User used the Account. 

6.  Authorized Users. The authorization given to an Authorized User by the 
Cardholder shall continue in effect as long as the Authorized User has 
possession of a Card, and the Cardholder shall be liable for the payment 
of all amounts owing on the Account arising from an Authorized User’s 
use of a Card during the time the Authorized User has possession of a 
Card. No revocation of the authorization given to an Authorized User 
by  the  Cardholder  shall  be  effective  or  binding  on  the  Bank  until  the 
Cardholder recovers possession of the Card or accounts for the Card to 
the Bank’s satisfaction. 

7.  Credit Limit. The Bank, upon approving the Cardholder’s application for 
an Account, shall establish a credit limit for the Account. The approved 
credit limit will be shown on the card mailer form and on each monthly 
billing statement. The Cardholder agrees not to exceed the credit limit 
established for the Account. The Bank shall have the right to demand 
immediate payment of any amount by which the balance owing on the 
Account at any time exceeds the approved credit limit. The Cardholder 
may request an increase in the approved credit limit after the Account 
has  been  open  for  six  (6)  consecutive  months.  Any  such  increase 
shall  be  entirely  within  the  Bank’s  sole  discretion  and  may,  in  the 
Bank’s sole discretion, be conditioned on a review of the Cardholder’s 
personal financial circumstances and other factors that might warrant 
an increase in the approved credit limit. The Bank shall have the right to 
reevaluate any Cardholder’s financial condition at any time whatsoever, 
and the Bank may obtain a current credit bureau report and ask any 
Cardholder  for  current  financial  information  in  connection  with  any 
such reevaluation. The Bank shall have the right to immediately, without 
any notice whatsoever, increase or decrease the approved credit limit 
or to revoke all rights to use the Account based upon the results of a 
reevaluation. 

8.  Transactions. The Cardholder shall retain, for verification by the monthly 
billing statements sent to the Cardholder, copies of each charge ticket, 
slip,  or  other  evidence  of  a  transaction  obtained  in  connection  with 
each Purchase, Balance Transfer, Cash Advance, or other transaction 
on the Account. The Bank shall provide the Cardholder with a copy of its 
documentary evidence of a transaction on the Account upon receipt of 
the Cardholder’s reasonable request or upon written notice of a billing 
error given to the Bank in accordance with the terms of this Agreement. 
Unless  the  documentary  evidence  is  requested  in  connection  with  a 
billing error inquiry, the Bank may, subject to applicable law, impose a 
reasonable charge to cover its cost of supplying the evidence. 

9.  Cash Advances. The Cardholder agrees not to permit the total of the 
Cardholder’s unpaid Cash Advances, when added to the total unpaid 
Purchases, Balance Transfers, interest charges, and other charges, to 
exceed at any time the approved credit limit on the Account. 

10.  Monthly Billing Cycle. The Bank shall send the Cardholder a monthly 
billing statement when there is a debit or credit balance in excess of 
$1.00  or  when  an  interest  charge  is  imposed.  The  monthly  billing 
statement  shall  show,  among  other  things,  all  Purchases,  Balance 
Transfers,  Cash  Advances,  interest  charges,  other  charges,  the 
minimum  payment  due,  the  payment  due  date,  payments  made  by 
the Cardholder, credits, the Previous Balance on the Account, and the 
New Balance on the Account. The Cardholder shall pay the Bank the 
full  amount  owed  on  the  Account,  as  shown  on  the  monthly  billing 
statement, within 25 days from the billing date shown on the statement, 
or the Cardholder shall pay such amount in installments in accordance 
with the terms and conditions of this Agreement. 

11.  Truth  in  Lending  and  Related  Disclosures.  The  words  “you”, 
“your” and “yours” used in this section of this Agreement refer to all 
Cardholders. The words “we”, “us” and “our” used in this section of 
this Agreement refer to the Bank. 
(A)  Interest Charges. 

(1)  Circumstances  Under  Which  An  Interest  Charge  Will  Be 

Imposed. 
(a)  Purchases.  An  interest  charge  will  be  imposed  on 
Purchases outstanding during a Billing Cycle (including 

current  Purchases)  at  the  Monthly  Periodic  Rate  for 
Purchases when there is a Previous Balance outstanding 
and it is not paid in full during the first 25 days of the 
Billing Cycle. You may avoid paying an interest charge 
on  current  Purchases  included  in  the  New  Balance  by 
paying the entire New Balance in full within 25 days after 
the  Closing  Date  of  the  Billing  Cycle  during  which  the 
current Purchases are charged to your Account. 

(b)  Balance Transfers. An interest charge calculated based 
on the Monthly Periodic Rate for Balance Transfers will 
be  imposed  on  Balance  Transfers  outstanding  during 
a  Billing  Cycle.  A  new  Balance  Transfer  will  accrue  an 
interest  charge  from  the  date  when  the  transaction  is 
posted  to  your  Account  until  the  date  of  the  payment. 
There  is  no  time  period  within  which  to  pay  to  avoid 
interest charges on Balance Transfers. 

(c)  Cash  Advances.  An  interest  charge  in  the  form  of  the 
Monthly  Periodic  Rate  for  Cash  Advances  will  be 
imposed on Cash Advances outstanding during a Billing 
Cycle.  New  Cash  Advance  transactions  will  accrue  an 
interest charge from the date of the transaction until the 
date of payment. There is no time period within which to 
pay to avoid these interest charges on Cash Advances. 
(2)  Balance  Upon  Which  An  Interest  Charge  Will  Be  Imposed. 
We  figure  a  portion  of  the  interest  charge  on  the  Account 
by applying a Monthly Periodic Rate to each of the “average 
daily balances” of Cash Advances and Purchases (including 
current transactions) and adding the results. 
(a)  To get the “average daily balance” of Cash Advances, we 
take the beginning balance of your Account each day, add 
any new Cash Advances as of the date of the transaction 
and  subtract  any  payments  or  credits,  unpaid  interest 
charges  and  other  charges,  as  of  the  date  of  posting, 
and outstanding Purchases and Balance Transfers. This 
gives  us  the  daily  balance  for  Cash  Advances.  Then, 
we add all of these daily balances for the Billing Cycle 
together and divide the total by the number of days in the 
Billing Cycle. This gives us the “average daily balance” 
of Cash Advances. 

(b)  To  get  the  “average  daily  balance”  of  Purchases,  we 
take  the  beginning  balance  of  your  Account  each  day, 
add any new Purchases as of the date of the transaction, 
and  subtract  any  payments  or  credits,  unpaid  interest 
charges, and other charges, as of the date of posting, 
and outstanding Cash Advances and Balance Transfers. 
This gives us the daily balance for Purchases. Then we 
add all these daily balances for the Billing Cycle together 
and divide the total by the number of days in the Billing 
Cycle.  This  gives  us  the  “average  daily  balance”  of 
Purchases. If the Previous Balance is paid in full during 
the first 25 days of the Billing Cycle, the “average daily 
balance” of Purchases will be considered to be $0. 
(c)  To get the “average daily balance” of Balance Transfers, 
we  take  the  beginning  balance  of  your  Account  each 
day, add any new Balance Transfers as of the date the 
transaction is posted to your Account, and subtract any 
payments or credits, unpaid interest charges and other 
charges, as of the date of posting, and outstanding Cash 
Advances and Purchases. This gives us the daily balance 
for  Balance  Transfers.  Then  we  add  all  of  these  daily 
balances for the Billing Cycle together and divide the total 
by the number of days in the Billing Cycle. This gives us 
the “average daily balance” of Balance Transfers. 
(3)  Determining the Amount of the Interest Charge. The interest 
charge imposed during a Billing Cycle will be determined by 
multiplying each of the average daily balances of Purchases, 
Balance  Transfers  and  Cash  Advances  by  the  applicable 
Monthly  Periodic  Rate.  The  Monthly  Periodic  Rates  and 
the  ANNUAL  PERCENTAGE  RATES  for  Purchases,  Balance 
Transfers  and  Cash  Advances  imposed  on  your  Account 
during a Billing Cycle will be variable rates that are subject 
to  change  from  Billing  Cycle  to  Billing  Cycle.  The  variable 
ANNUAL  PERCENTAGE  RATES  for  Purchases,  Balance 
Transfers  and  Cash  Advances  will  be  determined  based  on 
the “Prime rate for the U.S.” designated in the “Money Rates” 
section appearing in each issue of The Wall Street Journal. If 
more than one Prime rate is designated for the U.S. on the date 
of a variable rate adjustment, we may choose the highest of 
such Prime rates. Any change in the Prime rate will generally 
result in a change in the ANNUAL PERCENTAGE RATES for 
Purchases, Balance Transfers or Cash Advances under your 
Account.  The  amounts  that  your  ANNUAL  PERCENTAGE 
RATES for Purchases, Balance Transfers and Cash Advances 
change  may  also  be  affected  by  the  Account’s  maximum 
ANNUAL PERCENTAGE RATE (described below). The current 
variable  Monthly  Periodic  Rates  and  the  corresponding 
ANNUAL  PERCENTAGE  RATES  for  Purchases,  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  3.00%  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 3.00% to the Prime rate in effect on the last 
day of the prior Billing Cycle. Your Monthly Periodic Rate 
for Balance Transfers will be 1/12 of the corresponding 
ANNUAL PERCENTAGE RATE. However, in no event will 
your Monthly Periodic Rate for Balance Transfers exceed 
1.50% (corresponding ANNUAL PERCENTAGE RATE of 
18.00%). 

(c)  Cash  Advances.  We  will  determine  your  ANNUAL 
PERCENTAGE RATE for Cash Advances for each Billing 
Cycle by adding 14.75% to the Prime rate in effect on the 
last day of the prior Billing Cycle. Your Monthly Periodic 
Rate for Cash Advances will be 1/12 of the corresponding 
ANNUAL PERCENTAGE RATE. However, in no event will 
your Monthly Periodic Rate for Cash Advances exceed 
1.50% (corresponding ANNUAL PERCENTAGE RATE of 
18.00%). 

(B)  Other Charges. 

(1)  Late Charge. If you do not make a payment on your Account 
at least equal to the minimum monthly payment due on your 
current monthly billing statement within ten (10) days of the 
payment  due  date  shown  on  your  current  monthly  billing 
statement, you agree to pay a late charge of up to $15.00. 
The late charge will be reflected in the New Balance of your 
Account. 

(2)  Returned Check Charges. You agree to pay a returned check 
charge of up to $25 whenever your payment, whether in the 
form of a check or other instrument or an electronic payment, 
is returned to us unpaid because of an insufficient balance 
in your deposit account. The returned check charge will be 
reflected in the New Balance of your Account. 

(3)  Balance  Transfer  Fee.  Each  time  you  transfer  all  or  part  of 
the  balance  of  another  loan  or  credit  card  account  to  your 
Account  with  us,  we  will  assess  a  Balance  Transfer  fee 
equal to 3.0% 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 
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 

Hancock Whitney Bank  
Credit Card Center  
PO Box 61750  
New Orleans, LA 70161-1750 
1-800-448-8812

orally or in writing of the loss, theft, or possible unauthorized use. 
In any case, your liability will not exceed $50. 

(E)  Your Billing Rights: Keep This Document For Future Use. 

This  notice  tells  you  about  your  rights  and  our  responsibilities 
under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, or if you need more 
information about a transaction on your statement, write to us on a 
separate sheet at the address listed on your statement. 
In your letter, give us the following information: 
•  Account information: Your name and account number. 
•  Dollar Amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your 
bill, describe what you believe is wrong and why you believe 
it is a mistake. 

You must contact us: 
•  Within 60 days after the error appeared on your statement. 

. . . CONTINUED ON REVERSE SIDE

 
•  At  least  3  business  days  before  an  automated  payment  is 
scheduled, if you want to stop payment on the amount you 
think is wrong. 

You must notify us of any potential errors in writing. You may call 
us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1.  Within 30 days of receiving your letter, we must tell you that 
we received your letter. We will also tell you if we have already 
corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct 
the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 
•  We cannot try to collect the amount in question, or report you 

• 

as delinquent on that amount. 
The charge in question may remain on your statement, and 
we may continue to charge you interest on that amount. 
•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance. 

• 

•  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
• 

If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount. 
If  we  do  not  believe  there  was  a  mistake:  You  will  have  to 
pay the amount in question, along with applicable interest and 
fees. We will send you a statement of the amount you owe 
and  the  date  payment  is  due.  We  may  then  report  you  as 
delinquent if you do not pay the amount we think you owe. 
If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us. 
If we do not follow all of the rules above, you do not have to pay 
the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 
purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
1.  The purchase must have been made in your home state or 
within  100  miles  of  your  current  mailing  address;  and  the 
purchase  price  must  have  been  more  than  $50.00.  (Note: 
Neither of these are necessary if your purchase was based 
on  an  advertisement  we  mailed  to  you,  or  if  we  own  the 
company that sold you the goods or services.) 

2.  You  must  have  used  your  credit  card  for  the  purchase. 
Purchases made with cash advances from an ATM or with a 
check that accesses your credit card account do not qualify. 
3.  You  must  not  have  fully  paid  for  the  purchase.  If  all  of  the 
criteria above are met and you are still dissatisfied with the 
purchase,  contact  us  in  writing  on  a  separate  sheet  at  the 
address listed on your statement. 

While we investigate, the same rules apply to the disputed amount 
as discussed above. After we finish our investigation, we will tell 
you our decision. At that point, if we think you owe an amount and 
you do not pay, we may report you as delinquent. 

12.  Minimum  Monthly  Payment.  The  Cardholder  shall  pay  at  least  the 
“minimum payment due” shown on the monthly billing statement. The 
minimum monthly payment will always be rounded up to the nearest 
dollar. If the Cardholder fails to pay the minimum monthly payment, the 
Cardholder’s and any Authorized Users’ right to use the Account and any 
Card may be revoked or terminated. The Cardholder shall have the right 
to pay an amount in excess of the minimum monthly payment or the 
entire unpaid balance due on the Account at any time. The Cardholder 
shall send the minimum monthly payment to the Bank at its designated 
payment address provided on the monthly billing statement so that it will 
be received on or before the payment due date shown on the applicable 
monthly billing statement. The minimum monthly payment each month 
shall  be  the  greater  of  (i)  $10.00  or  (ii)  2%  of  the  total  outstanding 
balance due on the Account as of the monthly billing date or (iii) the 
total  of  any  interest  charge  and  all  outstanding  charges  and  fees.  If 
applicable, the minimum monthly payment will also include the greater 
of the past due amount of any prior minimum monthly payments or the 
amount by which the outstanding unpaid balance exceeds the approved 
credit limit on the Account. If the total outstanding unpaid balance due 
on the Account is less than $10.00, the minimum monthly payment due 
shall be such balance. The Cardholder may prepay the Account in whole 
or in part at any time without penalty. Any partial prepayment shall not 
affect the obligation to make subsequent minimum monthly payments, 
and an interest charge will continue to accrue on any remaining balance 
on the Account. An increase in the ANNUAL PERCENTAGE RATE may 
increase the Cardholder’s interest charges, minimum monthly payment 
amount, and/or number of minimum monthly payments required to be 
made. 

13.  Application of Payments and Credits. 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 
Cardholder shall remain obligated to pay in full any remaining amounts 
owed to the Bank on the Account. The Bank has the right to accept late 
payments or partial payments without losing any of its rights under this 
Agreement. 

15.  Ownership of Cards. All Cards are owned by and are the property of 
the  Bank.  All  Cards  must  be  returned  to  the  Bank  immediately  upon 
demand  from  the  Bank.  The  Cardholder  shall  destroy  any  Card  the 
Bank requests the Cardholder to destroy by cutting the Card in half, and 
upon the Bank’s request, the Cardholder shall hand deliver or mail the 
destroyed Card to the Bank. 

16.  Foreign Exchange/Currency Conversions/International Transactions. 
If  you  use  your  Card  for  transactions  in  a  currency  other  than  U.S. 
Dollars,  the  exchange  rate  between  the  transaction  currency  and  the 
billing  currency  used  for  processing  International  Transactions  is 
selected by the applicable network (e.g., Visa, Mastercard, Cirrus, Plus, 
etc.). We do not determine the currency conversion or exchange rate 
that is used. If the applicable network is Visa, the exchange rate is a) 
a rate selected by Visa from the range of rates available in wholesale 
currency  markets  for  the  applicable  central  processing  date,  which 
rate may vary from the rate Visa itself receives, or b) the government-
mandated rate in effect for the applicable central processing date. The 
exchange rate that is in effect on the processing date may differ from 
the  rate  in  effect  on  the  transaction  date  or  the  posting  date.  If  the 
transaction is a refund, and the refund has a different processing date, 
then the exchange rate of the refund can be greater/less than that of the 
original transaction. You agree to accept the converted amount in U.S. 
dollars.  An  “International  Transaction”  is  defined  as  any  transaction 
where  the  Bank’s  country  (the  United  States)  is  different  than  the 
country where the transaction was completed (i.e., where the merchant 
is located), whether or not a currency conversion is involved (i.e., even 
if the transaction is conducted in U.S. dollars). 

17.  Loss  or  Theft  of  a  Card.  The  Cardholder  shall  notify  the  Bank 
immediately  of  the  loss,  theft,  or  unauthorized  use  of  a  Card  by 
calling  the  Bank  at  1-800-844-4450.  Cardholder  will  cooperate  with 
Bank’s  reasonable  investigation  of  any  claim  of  unauthorized  use  of 
Cardholder’s  Card,  including  providing  a  written  signed  statement 
regarding the unauthorized use. 

18.  Refunds.  If  any  merchant  or  business  agrees  to  give  the  Cardholder 
or  any  Authorized  User  a  refund  or  adjustment  in  connection  with  a 
Purchase, the Cardholder shall accept a credit to the Account in lieu of 
a cash refund. 

19.  Honoring the Card. The Cardholder agrees that neither the Cardholder 
nor any Authorized User shall have any legal claims or rights against 
the Bank if a merchant, business, or financial institution refuses for any 
reason whatsoever to accept a Card. 

20.  Credit  Reports.  The  Cardholder  authorizes  the  Bank  to  report  the 
Cardholder’s  performance  under  this  Agreement  to  credit  reporting 
agencies and to any other person or entity who may properly receive 
such information, and the Bank shall have the right to obtain reports 
of the Cardholder’s credit history from credit reporting agencies and 
to  make  any  credit,  employment,  and  investigative  inquiries  that  the 
Bank in its sole discretion deems appropriate in connection with any 
extension of credit on the Account or the collection of amounts owing 
on the Account. 

21.  Refusal  to  Honor  Credit  Requests.  The  Bank  shall  have  the  right  to 
deny access to credit on the Account or to refuse to honor any Card, 
even though the Account has not been terminated or closed, if any of 
the following events occur: 
(a)  The  Cardholder  does  not  make  at  least  the  minimum  monthly 
payment due shown on the most recent monthly billing statement 
on or before the payment due date; 

(b)  The Cardholder becomes delinquent on any other obligation owed 
to the Bank or on any obligation owed to any other person or entity; 
(c)  The  Cardholder  or  any  Authorized  User  exceeds  the  approved 

credit limit; 

(d)  A  request  for  additional  credit  on  the  Account  would  cause  the 

approved credit limit to be exceeded; 

(e)  The Bank is advised by a credit reporting agency or by any other 
appropriate  source  that  the  Cardholder’s  financial  condition  has 
deteriorated significantly; 

(f)  The  Cardholder’s  debt  owed  to,  or  the  Cardholder’s  available 
unused credit line from, other lenders becomes excessive in the 
Bank’s sole opinion; 

(g)  The  Cardholder  dies,  becomes  imprisoned,  is  declared  legally 

incompetent, or becomes insolvent; 

(k)  The Cardholder has sent the Bank more than one payment within 
a twelve (12) month period that has been returned unpaid for any 
reason; 

(l)  The Cardholder has notified the Bank or the Bank has otherwise 

determined that a Card has been lost or stolen; or 

(m)  The Cardholder fails to comply with any terms or conditions of this 

Agreement. 

The Cardholder agrees that neither the Cardholder nor any Authorized 
User shall have any legal claims or rights against the Bank if, for the 
reasons  set  forth  above,  the  Bank  denies  or  rejects  a  request  from 
the Cardholder or any Authorized User for credit or for the use of the 
Account. 

22.  Default.  If  any  of  the  events  listed  in  Section  21  above  occurs,  the 
Bank (a) shall have the right to declare the Cardholder and the Account 
to  be  in  default  under  this  Agreement  without  giving  prior  notice  to 
the  Cardholder  and  (b)  shall  have  the  right  to  declare  any  amounts 
owed to the Bank on the Account to be immediately due and payable 
without notice or demand. The Bank’s 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 Platinum or Platinum Card 
account application by a former joint Cardholder may be conditioned by 
the Bank upon the repayment of the entire outstanding unpaid amounts 
due on the Account prior to the opening of an account pursuant to the 
new application. 

24.  Change  in  Terms.  Subject  to  any  requirements  under  law,  the  Bank 
shall have the right to change any of the terms of this Agreement at 
any time whatsoever. The Cardholder shall be given any prior written 
notice  of  the  change  that  is  required  by  law,  either  by  including  a 
notice  on  the  monthly  billing  statement  or  by  sending  a  separate 
notice  to  the  Cardholder.  Subject  to  any  requirements  of  applicable 
law, any amendment to this Agreement shall become effective at the 
time stated in the Bank’s notice to the Cardholder, and, subject to any 
requirements  of  applicable  law,  the  amendments  to  this  Agreement 
shall apply to all outstanding unpaid indebtedness on the Account at the 
time the amendments are effective and to all new transactions on the 
Account after the amendments become effective. If, under applicable 
law, the Cardholder’s approval is required for any amendment to this 
Agreement, that approval may be evidenced by the Cardholder’s written 
consent to the amendment or by the use of a Card or the Account by 
the Cardholder or any Authorized User after the date of the notice that 
was given by the Bank to the Cardholder, which date may or may not 
be the date the amendment becomes effective. If the Cardholder does 
not agree to a change in the terms of this Agreement that requires the 
Cardholder’s approval, the Cardholder may pay off under the terms of 
this Agreement prior to its amendment all indebtedness owed on the 
Account prior to the date that the amendment becomes effective, but, 
in that case, neither the Cardholder nor any Authorized User shall have 
the right to use the Account or any Card after the amendment becomes 
effective. 

25.  Transfer of the Account. The Bank shall have the right to assign and 
transfer  to  another  person  or  entity,  at  any  time  without  prior  notice 
to the Cardholder, the Bank’s rights under this Agreement and any or 
all  of  the  obligations  of  the  Cardholder  owed  to  the  Bank  under  this 
Agreement  or  on  the  Account.  The  Cardholder’s  rights  under  this 
Agreement  shall  not,  however,  be  transferred  by  operation  of  law  or 
by  the  Cardholder,  but  all  of  the  Cardholder’s  obligations  under  this 
Agreement shall be binding on the Cardholder’s estate, heirs, legatees, 
and personal representatives. 

26.  Notices.  The  Bank  shall  send  all  monthly  billing  statements  and  any 
notices in connection with the Account to the Cardholder’s address as 
shown  in  the  Bank’s  most  recent  records.  The  Cardholder  agrees  to 
give the Bank notice of any change in the Cardholder’s address at least 
fifteen (15) days prior to the change. Any notices from the Cardholder 
to  the  Bank,  including  a  notice  of  a  change  of  address,  shall  be 
effective when received by the Bank at the Bank’s address for receipt of 
payments shown on any monthly billing statement mailed by the Bank 
to the Cardholder within the preceding sixty (60) days. The Bank shall 
have  the  right  to  accept  corrections  or  changes  to  the  Cardholder’s 
address from the United States Postal Service. If the Account is a joint 
Account,  the  Bank  may  send  monthly  billing  statements  and  notices 
to  any  Cardholder  and  shall  not  be  responsible  or  liable  for  sending 
statements or notices to any other Cardholder. 

27.  Captions and Headings. Captions and headings used in this Agreement 
are  intended  solely  for  convenience  of  reference  and  shall  not  be 
deemed to be a substantive part of this Agreement. 

28.  Governing Law. This Agreement, the Account, and the Bank’s rights 
and  duties  and  the  Cardholder’s  rights  and  obligations  under  this 
Agreement and on the Account shall be governed by and interpreted 
in accordance with federal law and the laws of the State of Louisiana. 
If and to the extent the choice of such laws is not fully effective, the 
mandatory laws of the state where the Cardholder resides shall govern 
this Agreement and the Account. The Account and the Cards have been 
applied for, considered, approved, and issued or opened in the State of 
Louisiana, and all extensions of credit under this Agreement are being 
made by the Bank in the State of Louisiana. 

29.  Severability.  If  any  term,  provision,  or  section  of  this  Agreement  is 
held to be invalid or unenforceable under any statute, court decision, or 
governmental rule or regulation, the remainder of this Agreement shall 
remain in full force and effect. 

INFORMATION  ABOUT  THE  MILITARY 

IMPORTANT 
LENDING ACT—
ADDITIONAL  TERMS  AND  CONDITIONS  FOR  ACTIVE 
DUTY SERVICEMEMBERS AND DEPENDENTS
The following additional disclosures and terms will apply to this Agreement 
and your Account if one or more of you is a “covered borrower,” as that 
term is defined in the Military Lending Act, 10 U.S.C. § 987, and related 
regulations of the U.S. Department of Defense. Please read the following 
additional disclosures and terms, which will be applicable to this Agreement 
and your Account. 

Nothing  contained  in  this  Agreement  shall  constitute  a  waiver  of  your 
right to legal recourse under any otherwise applicable provision of State 
or Federal law, including any provision of the Servicemembers Civil Relief 
Act (50 U.S.C. App. 501 et seq.) or the Military Lending Act ( 10 U.S.C. 
987)  and  related  regulations.  Any  provision  of  this  Agreement  which 
may be deemed contrary to or a violation of the aforementioned State 
or Federal laws shall be severed and deleted from this Agreement, but 
shall not invalidate the other remaining provisions of this Agreement. All 
other remaining provisions of this Agreement shall remain in full force 
and effect. 
Notwithstanding anything contained in this Agreement to the contrary, 
any  prohibited  notice,  waiver,  right  of  setoff,  arbitration,  or  other 
terms  and  conditions  under  the  Military  Lending  Act  (10  U.S.C.  987) 
and  related  regulations  of  the  U.S.  Department  of  Defense  that  would 
otherwise  be  applicable  to  non-covered  borrowers,  including,  but  not 
limited to, any such terms in those Sections of the Agreement entitled 
“Credit  Limit,”  “Security  Interest,”  “Default,”  “Closing  the  Account,” 
Change in Terms,” “Transfer of the Account,” and “Notices,” shall not 
be enforceable against you, as a covered borrower, with respect to this 
Agreement,  your  Account,  or  any  extension  of  credit  covered  by  this 
Agreement.  As  it  relates  to  any  covered  borrower,  any  such  terms  of 
this  Agreement  which  may  be  deemed  prohibited  by  or  a  violation  of 
the aforementioned Military Lending Act and related regulations of the 
U.S.  Department  of  Defense  shall  be  severed  and  deleted  from  this 
Agreement, but shall not invalidate the other remaining provisions of this 
Agreement. All other remaining provisions of this Agreement shall remain 
in full force and effect. 
Any separate agreement to arbitrate disputes you may have with us shall 
not be enforceable against any covered borrower, or person who was a 
covered borrower when the agreement was made, with respect to this 
Agreement,  your  Account,  or  any  extension  of  credit  covered  by  this 
Agreement.

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 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: Federal law requires that you receive a clear description 
of  your  required  payments.  Please  review  the  disclosures  and  this 
Agreement carefully to understand your payment obligations. 
Please call (800) 448-8812 to receive a Statement of the Military Annual 
Percentage Rate and a description of your payment obligation.

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 

(h)  The Cardholder gives false or misleading information to the Bank at 

documents. 

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; 

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. 
Hancock Whitney thanks you for your understanding and for joining us in 
securing a safer tomorrow.

Member FDIC 

F03-W941-6 -0618