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.

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(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,  proprietorship, 
association,  cooperative,  estate,  trust  or  government  unit,  to 
whom  a  Whitney  Visa  Platinum  Card  is  issued  pursuant  to  the 
request or application of that person or organization.

(I)  “Cash Advance” means any extension of credit obtained from the 
Bank or another financial institution that accepts Visa credit cards, 
including cash obtained from an automated teller machine.
(J)  “Closing Date” means the date on the last day of a Billing Cycle.
(K)  “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. 

(R)  “Whitney  Bank”  means  a  wholly-owned  banking  subsidiary  of 

Hancock Holding Company. 

2.  Agreement.  Pursuant  to  the  Cardholder’s  request  or  application,  the
Bank has established an Account in the name of the Cardholder and has 
issued one or more Cards to the Cardholder. By requesting or applying
for  a  Card  or  an  Account,  retaining  a  Card,  signing  a  Card,  using  a
Card, or using the Account, the Cardholder has agreed to the terms and 
conditions  contained  in  this  Agreement.  This  Agreement  governs  the
Account and the use of any Card issued to the Cardholder in connection 
with the Account. The Bank agrees to pay the applicable merchant or
business, in accordance with the terms and conditions of this Agreement, 
for the Purchases that the Cardholder or an Authorized User makes with 
a  Card,  and  the  Bank  agrees  to  make  Cash  Advances,  in  accordance
with the terms and conditions of this Agreement, to the Cardholder or
an Authorized User. The Cardholder authorizes the Bank to charge the
Account for all amounts the Bank pays on Purchases, for all amounts the 
Bank advances to any Cardholder or Authorized User on Cash Advances, 
and for all amounts the Bank advances or pays to third parties on behalf 
of a Cardholder or an Authorized User, including any amounts advanced 
on  behalf  of  the  Cardholder  or  an  Authorized  User  as  a  result  of  the
use of a Card to obtain any services offered by VISA U.S.A., Inc. Bank
may  allow  a  Cardholder  to  transfer  to  the  Account  balances  that  the
Cardholder  owes  to  other  creditors  or  financial  institutions,  up  to  the
amount of the Account credit limit that Bank makes available for Balance 
Transfers. If Cardholder requests a Balance Transfer, Cardholder agrees
to monitor each account from which a balance is being transferred and
continue  making  the  minimum  payment  due  on  that  account  until  the
other creditor or financial institution provides an account statement that 
shows the balance of Cardholder’s other account has been paid in full, if 
applicable. This may not occur until after the Balance Transfer appears on 
a billing statement from Bank. Cardholder is liable for any late payments, 
interest charges or disputed amounts on the other account. Cardholder
is  responsible  for  instructing  Cardholder’s  other  creditor  or  financial
institution  to  close  Cardholder’s  other  account  if  that  is  Cardholder’s
preference.  An  increase  in  the  ANNUAL  PERCENTAGE  RATE  may
increase the Cardholder’s interest charges, minimum monthly payment
amount, and/or number of minimum monthly payments required to be
made.

3.  Use of a Card/Account. All Cards and/or Accounts shall be used solely 
for personal, family, or household purposes. The Cardholder agrees that 
all Cards and Accounts shall be used solely for Purchases and/or Cash
Advances for personal, family, household or other consumer purposes
and agrees that Purchases and/or Cash Advances for business purposes 
shall not be obtained through a Card or Account. The Cardholder and
any Authorized User may use a Card or the Account for Purchases, and 
the Cardholder may use a Card or the Account for Cash Advances. The 
Cardholder or an Authorized User must sign the panel on the back of each 
Card issued to the Cardholder. The effect of using the Account number
for a Purchase or a Balance Transfer or to obtain a Cash Advance without 
presenting a Card, as in a Purchase or Balance Transfer or Cash Advance 
made or arranged by mail or telephone, shall be the same as if the Card 
itself  were  presented  to  make  the  Purchase  or  Balance  Transfer  or  to
obtain the Cash Advance. 

4.  Notice Regarding Illegal Internet Gambling Transactions. Pursuant to
the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation 
GG  (collectively,  the  “Act”),  this  is  to  notify  the  Cardholder  that  items
and  transactions  related  to  illegal  Internet  gambling  (“Restricted
Transactions”)  will  not  be  processed 
through  your  Account(s).
Restricted Transactions include any transactions in which a gambling or 
gaming business accepts payment in connection with unlawful Internet
gambling, whether by credit card, debit card, electronic funds transfers, 
checks, or other means. The Bank shall have no liability whatsoever for 
the refusal or return of items or transactions, or for any claims or losses 
arising from or related to its refusal or return of items or transactions,
and/or  its  closure  of  your  Account(s),  believed  by  the  Bank  to  be  in
violation of the Act. 

5.  Liability  for  Payment.  The  Cardholder  authorizes  the  Bank  to  charge
the  Account  for  all  Purchases,  Balance  Transfers  and  Cash  Advances
resulting from the use of the Card or the Account. The Cardholder shall
pay to the Bank all amounts owed on the Account, including, without
limitation, the amounts paid or advanced by the Bank on all Purchases,
Balance Transfers and Cash Advances, any interest charges assessed
on the Account, and any other fees and charges the Cardholder owes to 
the Bank under the terms of this Agreement, by any method of payment 
that is acceptable to the Bank provided it is in United States dollars, in
accordance with the terms of this Agreement. If the Account is a joint
Account, each Cardholder agrees to pay all amounts owed to the Bank
on  the  Account.  Each  Cardholder  on  a  joint  Account  shall  be  jointly,
severally, and solidarily liable for the payment of all amounts owed to the 
Bank on the Account, regardless of which Cardholder or Authorized User 
used the Account. 

6.  Authorized Users. The authorization given to an Authorized User by the 
Cardholder shall continue in effect as long as the Authorized User has
possession of a Card, and the Cardholder shall be liable for the payment 
of all amounts owing on the Account arising from an Authorized User’s
use  of  a  Card  during  the  time  the  Authorized  User  has  possession  of
a Card. No revocation of the authorization given to an Authorized User
by  the  Cardholder  shall  be  effective  or  binding  on  the  Bank  until  the
Cardholder recovers possession of the Card or accounts for the Card to 
the Bank’s satisfaction.

7.  Credit Limit. The Bank, upon approving the Cardholder’s application for 
an Account, shall establish a credit limit for the Account. The approved
credit limit will be shown on the card mailer form and on each monthly
billing statement. The Cardholder agrees not to exceed the credit limit
established for the Account. The Bank shall have the right to demand
immediate payment of any amount by which the balance owing on the
Account at any time exceeds the approved credit limit. The Cardholder
may request an increase in the approved credit limit after the Account
has  been  open  for  six  (6)  consecutive  months.  Any  such  increase
shall  be  entirely  within  the  Bank’s  sole  discretion  and  may,  in  the
Bank’s sole discretion, be conditioned on a review of the Cardholder’s
personal financial circumstances and other factors that might warrant
an increase in the approved credit limit. The Bank shall have the right to 
reevaluate any Cardholder’s financial condition at any time whatsoever,
and  the  Bank  may  obtain  a  current  credit  bureau  report  and  ask  any
Cardholder  for  current  financial  information  in  connection  with  any
such reevaluation. The Bank shall have the right to immediately, without 
any  notice  whatsoever,  increase  or  decrease  the  approved  credit  limit
or to revoke all rights to use the Account based upon the results of a
reevaluation. 

8.  Transactions. The Cardholder shall retain, for verification by the monthly 
billing statements sent to the Cardholder, copies of each charge ticket,
slip, or other evidence of a transaction obtained in connection with each 
Purchase,  Balance  Transfer,  Cash  Advance,  or  other  transaction  on
the Account. The Bank shall provide the Cardholder with a copy of its
documentary evidence of a transaction on the Account upon receipt of
the Cardholder’s reasonable request or upon written notice of a billing
error given to the Bank in accordance with the terms of this Agreement. 
Unless  the  documentary  evidence  is  requested  in  connection  with  a
billing error inquiry, the Bank may, subject to applicable law, impose a
reasonable charge to cover its cost of supplying the evidence. 

9.  Cash  Advances.  The  Cardholder  agrees  not  to  permit  the  total  of  the
Cardholder’s  unpaid  Cash  Advances,  when  added  to  the  total  unpaid
Purchases, Balance Transfers, interest charges, and other charges, to
exceed at any time the approved credit limit on the Account. 

10.  Monthly Billing Cycle. The Bank shall send the Cardholder a monthly
billing statement when there is a debit or credit balance in excess of $1.00 
or when an interest charge is imposed. The monthly billing statement
shall show, among other things, all Purchases, Balance Transfers, Cash 
Advances, interest charges, other charges, the minimum payment due,
the payment due date, payments made by the Cardholder, credits, the
Previous Balance on the Account, and the New Balance on the Account. 
The Cardholder shall pay the Bank the full amount owed on the Account, 
as  shown  on  the  monthly  billing  statement,  within  25  days  from  the
billing date shown on the statement, or the Cardholder shall pay such
amount in installments in accordance with the terms and conditions of
this Agreement. 

11.  Truth in Lending and Related Disclosures. The words “you”, “your” and 
“yours” used in this section of this Agreement refer to all Cardholders.
The words “we”, “us” and “our” used in this section of this Agreement
refer to the Bank. 

(A)  Interest Charges.

(1)  Circumstances  Under  Which  An  Interest  Charge  Will  Be 

Imposed. 
(a)  Purchases.  An  interest  charge  will  be  imposed  on 
Purchases  outstanding  during  a  Billing  Cycle  (including 
current  Purchases)  at  the  Monthly  Periodic  Rate  for 
Purchases when there is a Previous Balance outstanding 
and  it  is  not  paid  in  full  during  the  first  25  days  of  the 
Billing Cycle. You may avoid paying an interest charge on 
current Purchases included in the New Balance by paying 
the  entire  New  Balance  in  full  within  25  days  after  the 
Closing Date of the Billing Cycle during which the current 
Purchases are charged to your Account. 

(b)  Balance  Transfers.  An  interest  charge  calculated  based 
on the Monthly Periodic Rate for Balance Transfers will be 
imposed on Balance Transfers outstanding during a Billing 
Cycle.  A  new  Balance  Transfer  will  accrue  an  interest 
charge from the date when the transaction is posted to 
your Account until the date of the payment. There is no 
time period within which to pay to avoid interest charges 
on Balance Transfers.

(c)  Cash  Advances.  An  interest  charge  in  the  form  of  the 
Monthly Periodic Rate for Cash Advances will be imposed 
on  Cash  Advances  outstanding  during  a  Billing  Cycle. 
New  Cash  Advance  transactions  will  accrue  an  interest 
charge from the date of the transaction until the date of 
payment. There is no time period within which to pay to 
avoid these interest charges on Cash Advances. 
(2)  Balance Upon Which An Interest Charge Will Be Imposed. 
We  figure  a  portion  of  the  interest  charge  on  the  Account 
by applying a Monthly Periodic Rate to each of the “average 
daily balances” of 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 
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. 

. . . CONTINUED ON REVERSE SIDE

 
You must contact us:
• Within 60 days after the error appeared on your statement.
•

At  least  3  business  days  before  an  automated  payment  is
scheduled,  if  you  want  to  stop  payment  on  the  amount  you
think is wrong.

You must notify us of any potential errors in writing. You may call 
us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that
we received your letter. We will also tell you if we have already 
corrected the error. 

2. Within 90 days of receiving your letter, we must either correct 
the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you 

•

as delinquent on that amount. 
The charge in question may remain on your statement, and we 
may continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance.

• We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen: 
•

If we made a mistake: You will not have to pay the amount in
question or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay 
the amount in question, along with applicable interest and fees. 
We will send you a statement of the amount you owe and the 
date payment is due. We may then report you as delinquent if 
you do not pay the amount we think you owe.

•

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us.
If we do not follow all of the rules above, you do not have to pay 
the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have 
purchased with your credit card, and you have tried in good faith to 
correct the problem with the merchant, you may have the right not 
to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true:
1.

The  purchase  must  have  been  made  in  your  home  state  or
within  100  miles  of  your  current  mailing  address;  and  the
purchase  price  must  have  been  more  than  $50.00.  (Note:
Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company 
that sold you the goods or services.)
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.
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.

2.

3.

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. 

19. Honoring the Card. The Cardholder agrees that neither the Cardholder
nor  any  Authorized  User  shall  have  any  legal  claims  or  rights  against
the Bank if a merchant, business, or financial institution refuses for any 
reason whatsoever to accept a Card. 

20. Credit  Reports.  The  Cardholder  authorizes  the  Bank  to  report  the
Cardholder’s  performance  under  this  Agreement  to  credit  reporting
agencies and to any other person or entity who may properly receive
such  information,  and  the  Bank  shall  have  the  right  to  obtain  reports
of the Cardholder’s credit history from credit reporting agencies and to
make any credit, employment, and investigative inquiries that the Bank in 
its sole discretion deems appropriate in connection with any extension of 
credit on the Account or the collection of amounts owing on the Account.

21. Refusal to Honor Credit Requests. The Bank shall have the right to deny 
access to credit on the Account or to refuse to honor any Card, even
though  the  Account  has  not  been  terminated  or  closed,  if  any  of  the
following events occur: 

(a)  The  Cardholder  does  not  make  at  least  the  minimum  monthly 
payment due shown on the most recent monthly billing statement 
on or before the payment due date;

(b)  The Cardholder becomes delinquent on any other obligation owed 
to  the  Bank  or  on  any  obligation  owed  to  any  other  person  or 
entity;

(c)  The  Cardholder  or  any  Authorized  User  exceeds  the  approved 

credit limit;

(d)  A  request  for  additional  credit  on  the  Account  would  cause  the 

approved credit limit to be exceeded;

(e)  The Bank is advised by a credit reporting agency or by any other 
appropriate source that the Cardholder’s financial condition has 
deteriorated significantly;

(f)  The  Cardholder’s  debt  owed  to,  or  the  Cardholder’s  available 
unused credit line from, other lenders becomes excessive in the 
Bank’s sole opinion;

(g)  The  Cardholder  dies,  becomes  imprisoned,  is  declared  legally 

incompetent, or becomes insolvent;

(h)  The Cardholder gives false or misleading information to the Bank 

at any time;

(i)  The Bank has reasonable cause to believe that the Cardholder will 
not be able to repay the amounts owed to the Bank, for any reason, 
including, but not limited to, the Cardholder’s unemployment;
(j)  A  proceeding  has  been  filed  by  or  against  the  Cardholder  for 
bankruptcy,  arrangement,  reorganization,  or  any  other  relief 

afforded  debtors  or  affecting  rights  of  creditors  generally  under 
the United States Bankruptcy Code or under any state or federal 
law;

(k)  The Cardholder has sent the Bank more than one payment within 
a twelve (12) month period that has been returned unpaid for any 
reason;

(l)  The Cardholder has notified the Bank or the Bank has otherwise 

determined that a Card has been lost or stolen; or

(m)  The Cardholder fails to comply with any terms or conditions of 

this Agreement.

The  Cardholder  agrees  that  neither  the  Cardholder  nor  any  Authorized 
User  shall  have  any  legal  claims  or  rights  against  the  Bank  if,  for  the 
reasons set forth above, the Bank denies or rejects a request from the 
Cardholder or any Authorized User for credit or for the use of the 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.

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

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

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