Your Hancock Bank branded Visa®  Classic Card is issued by 
Whitney Bank, which will own your Card account  and also 
sponsor any rewards program. 

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. 

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WHITNEY BANK CARDHOLDER  AGREEMENT 
AND DISCLOSURE  STATEMENT 
This  Cardholder  Agreement  and  Disclosure  Statement  is the  contract  that 
governs  the  use  of  a  Whitney  Visa®   Classic  Card Account.  This  Cardholder 
Agreement  and  Disclosure  Statement  contains  (1) the  terms  and  conditions 
that  bind  the  user  of  any  Whitney  Visa  Classic  Card  Account  or  any  Whitney 
Visa  Classic  Card  issued  in  connection   with  the  Account   and  (2) the 
disclosures  required  by  the  Federal Truth  in  Lending  Act.  Use of  the  Whitney 
Visa Classic  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 Classic 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 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 Classic  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  Classic  Card  is issued  pursuant  to  the  request  or 
application of that person or organization. 

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

the Closing Date. 

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

Account  at the beginning of the Billing Cycle. 

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

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

Company. 

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

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 

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  9.74%  to  the  Prime  rate  in  effect 
on  the  last  day  of  the  prior  Billing  Cycle.  Your  Monthly 
Periodic   Rate  for   Purchases    will  be   1/12 of  the 
corresponding  ANNUAL  PERCENTAGE  RATE.  However,    in 
no  event  will  your  Monthly  Periodic  Rate  for  Purchases 
exceed  1.50%   (corresponding    ANNUAL  PERCENTAGE 
RATE of 18%). 

(b)    Balance Transfers. 1.90% Introductory  APR. 

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

(c)   Cash  Advances.   We  will determine  your  ANNU AL 
PERCENTAGE RATE  for  Cash  Advances   for  each  Billing 
Cycle by  adding 14.75%  to  the Prime rate in  effect  on  the 
last  day  of  the  prior  Billing  Cycle.  Your  Monthly  Periodic 
Rate for  Cash Advances will  be 1/12  of  the corresponding 
ANNUAL  PERCENTAGE RATE.  However,   in  no  event  will 
your  Monthly  Periodic  Rate for  Cash Advances  exceed 
1.50%  (corresponding  ANNUAL  PERCENTAGE  RATE  of 
18.00%). 

(B)   Other Charges. 

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

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

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

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

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

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

. . . CONTINUED  ON  REVERSE SIDE 

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

(D)   Your  Liability  for  Unauthorized  Use  of  Your  Card.  You may  be 
liable for the unauthorized use of your Card. You will  not be liable for 
unauthorized use that occurs  after you notify  us at 
Bank Card Services  Department 
400 Labarre Road 
Jefferson, LA 70121-3809 
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. 
•   At  least  3 business  days  before  an  automated  payment  is 
scheduled,  if you  want  to  stop  payment  on  the  amount  you 
think is wrong. 

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

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

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

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

as delinquent on that amount. 

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

may continue to charge you interest on that amount. 

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

responsible for the remainder of your balance. 

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

If you receive our explanation but still  believe your  bill is wrong,  you 
must write to us within 10 days telling us that you still refuse to pay. 
If  you  do  so,  we  cannot  report  you  as  delinquent  without  also 
reporting  that  you  are  questioning  your  bill.  We  must  tell  you  the 
name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we 
must  let  those  organizations  know  when  the  matter  has been settled 
between us. 
If we do not follow  all of the rules above, you do not have to pay the 
first $50  of the amount you question even if your bill is correct. 

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

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

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

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount 
as discussed  above. After we finish our investigation, we will  tell you 
our  decision.  At that point,  if we  think  you  owe  an  amount  and  you 
do not pay, we may report you as delinquent. 

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

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

Account shall be applied in the following  order: 
(a)  To any interest charges; 
(b)  To returned check charges, late charges, and annual fees; 
(c) To Balance Transfers; 
(d)  To Cash Advances previously billed; 
(e)  To Purchases previously billed; 
(f) To Cash Advances not previously billed; and 
(g)  To Purchases not previously billed. 
The  Bank  shall  have  the  right  to  change  the  order  of  the  application  of 
payments at any time without  prior notice to the Cardholder. Any payment 
received  by  the  Bank  at  its  designated  payment  address  provided  on  the 
monthly  billing  statement  prior  to  5:00  P.M.  CST on  a banking day  shall 
be  credited  to  the  Account  as  of  the date the  payment  was  received,  but 
the Bank shall have the right to limit  the amount of credit available for  the 
Account  based on a payment  until  the check  or other payment  instrument 
is actually  paid  by  the  drawee.  There  may  be  a  delay  in  crediting  any 
payments  received  by  the  Bank  at  its designated  payment  address 
provided  on  the  monthly  billing  statement  after  5:00  P.M.  CST on  any 
date. 

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

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

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

17. Loss  or  Theft  of  a  Card.  The  Cardholder  shall  notify  the  Bank 
immediately of the loss, theft, or unauthorized use of a Card by calling the 
Bank  at  1-800-448-8812.    Cardholder will cooperate  with  Bank’s 
reasonable investigation of  any claim  of unauthorized use of  Cardholder’s 
Card,  including  providing  a  written  signed  statement  regarding  the 
unauthorized use. 

18. Refunds.  If  any  merchant  or  business  agrees  to  give  the  Cardholder  or 
any  Authorized  User  a  refund  or  adjustment  in  connection  with  a 
Purchase, the Cardholder shall accept  a credit  to the Account  in lieu of  a 

cash refund. 

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

20. Credit  Reports.  The  Cardholder  authorizes   the  Bank  to  report  the 
Cardholder’s  performance  under  this  Agreement  to  credit  reporting 
agencies  and  to  any  other  person  or  entity  who  may  properly  receive 
such  information,  and  the  Bank  shall  have  the  right  to  obtain  reports  of 
the  Cardholder’s  credit  history  from  credit  reporting  agencies  and  to 
make  any  credit,  employment,  and investigative  inquiries  that  the  Bank in 
its  sole discretion  deems appropriate in connection  with  any extension of 
credit on the Account or the collection of amounts owing on the Account. 
21. Refusal  to Honor Credit Requests. The Bank shall  have the right  to  deny 
access  to  credit  on  the  Account  or  to  refuse  to  honor  any  Card,  even 
though  the  Account  has  not  been  terminated  or  closed,  if any  of  the 
following  events occur: 
(a)  The  Cardholder  does  not  make  at  least  the  minimum   monthly 
payment  due  shown  on  the  most  recent  monthly  billing  statement 
on or before the payment due date; 

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

limit; 

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

approved credit limit to be exceeded; 

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

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

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

incompetent, or becomes insolvent; 

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

any time; 

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

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

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

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

determined that a Card has been lost or stolen; or 

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

Agreement. 

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

22. Default.  If any of  the events listed in Section 21  above occurs,  the Bank 
(a)  shall have the right  to  declare the Cardholder and the Account  to be in 
default under this  Agreement without  giving prior  notice to the Cardholder 
and (b)  shall  have the right  to  declare any  amounts  owed  to  the  Bank on 
the  Account  to  be  immediately  due  and  payable  without  notice  or 
demand.  The Bank’s 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  by  the use of  a Card or the Account  by  the Cardholder 
or  any  Authorized  User after  the  date of  the  notice  that  was  given  by  the 
Bank  to  the  Cardholder,  which  date  may  or  may  not  be  the  date  the 
amendment  becomes   effective.  If  the  Cardholder  does  not  agree  to  a 
change  in  the  terms  of  this  Agreement  that  requires  the  Cardholder’s 
approval, the Cardholder may  pay off  under the terms  of  this  Agreement 
prior  to its  amendment all indebtedness owed  on the Account  prior  to the 
date that  the  amendment  becomes  effective,  but,  in  that  case,  neither the 
Cardholder  nor  any  Authorized  User  shall  have  the  right  to  use  the 
Account  or any Card after the amendment becomes effective. 

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

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

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

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

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

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

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

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

documents. 

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

F03-L980-2 -0413 

 
 
 
 
 
 
Pricing Addendum 

Hancock Bank Cardholder Agreement and Disclosure Statement 

VISA® Classic Credit Card 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

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

Penalty APR and When It 
Applies 

None 

How to Avoid Paying Interest 
on Purchases 

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

Minimum Interest Charge 

Required Insurance, Debt 
Cancellation or Debt 
Suspension Coverage 

Fees 

Annual Fee 

Transaction Fees 

• Balance Transfer 

• Cash Advances 

Penalty Fees 

• Late Payment 

• Over-the-Credit Limit 

• Returned Payment 

None 

None 

None 

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

3% of the amount of each cash advance. 

Up to $15 

None 

Up to $25 

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

Classic Card 

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