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

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)  “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 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)  “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  billi ng 
statement,  within  25  days  from  the billing  date shown  on  the statement, 
or  the  Cardholder  shall  pay  such  amount  in  installments  in  accordance 
with the terms and conditions of this Agreement. 

11. Truth  in  Lending  and  Related  Disclosures.  The  words “you”,  “your” 
and “yours”  used  in  this  section  of  this  Agreement  refer  to  all 
Cardholders.  The words  “we”, “us”  and  “our” used in this  section of  this 
Agreement refer to the Bank. 
(A)   Interest Charges. 

(1)  Circumstances   Under  Which  An  Interest  Charge  Will  Be 

Imposed. 
(a)    Purchases.  An  interest  charge  will be  imposed  on 
Purchases  outstanding  during  a  Billing  Cycle  (including 
current  Purchases)  at  the  Monthly  Periodic  Rate  for 
Purchases  when  there  is a  Previous  Balance  outstanding 
and  it is not  paid  in  full  during  the  first  25 days  of  the 
Billing  Cycle.  You  may  avoid  paying  an  interest  charge  on 
current  Purchases  included  in  the  New  Balance  by  paying 
the  entire  New  Balance  in  full  within  25 days  after  the 
Closing  Date  of  the  Billing  Cycle  during  which  the  current 
Purchases are charged to your Account. 

(b)    Balance  Transfers.  An  interest  charge  calculated  based 
on  the  Monthly   Periodic  Rate  for  Balance  Transfers  will 
be  imposed  on  Balance  Transfers  outstanding  during  a 
Billing  Cycle.  A  new  Balance  Transfer  will accrue  an 
interest  charge  from  the  date  when  the  transaction  is 
posted  to  your  Account  until  the  date  of  the  payment. 
There  is no  time  period  within  which  to  pay  to  avoid 
interest charges on Balance Transfers. 

(c)   Cash  Advances.  An  interest  charge  in  the  form  of  the 
Monthly   Periodic  Rate  for  Cash  Advances  will be 
imposed  on  Cash  Advances  outstanding  during  a  Billing 
Cycle.  New  Cash  Advance  transactions  will  accrue  an 
interest  charge  from  the  date  of  the  transaction  until  the 
date  of  payment.  There is no  time  period  within  which  to 
pay to avoid these interest charges on Cash Advances. 

(2)  Balance  Upon  Which  An  Interest  Charge  Will  Be  Imposed.  We 
figure  a  portion  of  the  interest  charge  on  the  Account  by 
applying  a  Monthly  Periodic  Rate to  each  of  the  “average daily 
balances” of  Cash  Advances  and  Purchases  (including  current 
transactions)  and adding the results. 
(a)    To get  the “average daily balance” of  Cash Advances, we 
take  the  beginning  balance  of  your  Account  each  day, 
add  any  new  Cash  Advances  as  of  the  date  of  the 
transaction  and  subtract  any  payments  or  credits,  unpaid 
interest  charges  and  other  charges,  as  of  the  date  of 
posting,  and  outstanding  Purchases  and  Balance 
Transfers.  This  gives  us  the  daily  balance  for  Cash 
Advances.  Then,  we  add  all  of  these  daily  balances  for 
the  Billing  Cycle  together  and  divide  the  total  by  the 
number  of  days  in  the  Billing  Cycle.  This  gives  us  the 
“average daily balance” of Cash Advances. 

(b)    To get the “average daily  balance” of  Purchases, we  take 
the beginning  balance of  your  Account  each day, add any 
new  Purchases  as  of  the  date  of  the  transaction,  and 
subtract  any  payments  or  credits,  unpaid  interest 
charges,  and  other  charges,  as  of  the  date  of  posting, 
and  outstanding  Cash  Advances  and  Balance  Transfers. 
This  gives  us  the  daily  balance  for  Purchases.  Then  we 
add  all  these  daily  balances  for  the  Billing  Cycle  together 
and  divide  the  total  by  the  number  of  days  in  the  Billing 
Cycle.  This  gives  us  the  “average  daily  balance”  of 
Purchases.  If  the  Previous  Balance  is paid  in  full  during 
the  first  25 days  of  the  Billing  Cycle,  the  “average  daily 
balance” of Purchases will be considered to be $0. 

(c)   To  get  the  “average daily  balance” of  Balance Transfers, 
we  take the beginning  balance of  your  Account  each day, 
add  any  new  Balance  Transfers  as  of  the  date  the 
transaction  is posted  to  your  Account,  and  subtract  any 
payments  or  credits,  unpaid  interest  charges  and  other 
charges,  as  of  the  date of  posting,  and  outstanding  Cash 
Advances  and  Purchases.  This  gives  us  the  daily  balance 
for  Balance  Transfers.  Then  we  add  all  of  these  daily 
balances  for  the  Billing  Cycle  together  and  divide  the  total 
by  the  number  of  days  in  the  Billing  Cycle.  This  gives  us 
the “average daily balance” of Balance Transfers. 
(3)  Determining  the  Amount  of  the  Interest  Charge.  The  interest 
charge  imposed  during  a  Billing  Cycle  will  be  determined  by 
multiplying  each  of  the  average  daily  balances  of  Purchases, 
Balance  Transfers  and  Cash  Advances  by  the  applicable 
Monthly   Periodic  Rate.  The  Monthly   Periodic  Rates  and  the 
ANNUAL  PERCENTAGE RATES  for    Purchases,    Balance 
Transfers  and  Cash  Advances  imposed  on  your  Account 
during  a  Billing  Cycle  will  be  variable  rates  that  are  subject  to 
change  from   Billing  Cycle  to  Billing  Cycle.  The  variable 
ANNUAL  PERCENTAGE RATES  for    Purchases,    Balance 
Transfers  and  Cash  Advances  will  be  determined  based  on  the 
“Prime  rate  for  the  U.S.”  designated  in  the  “Money  Rates” 
section  appearing in  each  issue  of  The  Wall  Street   Journal. If 
more  than  one  Prime  rate  is designated  for  the  U.S.  on  the 
date  of  a  variable  rate  adjustment,  we  may  choose  the  highest 
of  such  Prime  rates.  Any  change  in  the  Prime  rate  will 
generally  result  in  a  change  in  the  ANNUAL  PERCENTAGE 
RATES  for  Purchases,  Balance  Transfers  or  Cash  Advances 
under  your  Account.  The  amounts  that  your  ANNU AL 
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 
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 

. . . CONTINUED  ON  REVERSE SIDE 

 
 
 
 
 
 
 
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-L981-3 -0413 

 
 
 
 
 
 
Pricing Addendum 

Hancock Bank Cardholder Agreement and Disclosure Statement 

VISA® Platinum 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. 

Platinum Card 

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