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Your Hancock Bank branded Visa® Classic 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® 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

from the billing date shown on the statement, or the Cardholder shall pay
such amount in installments in accordance with the terms and conditions
of this Agreement. 

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

Interest Charges.
(1) Circumstances  Under  Which  An  Interest  Charge  Will  Be

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

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

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

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

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

(c) To get the “average daily balance” of Balance Transfers,
we take the beginning balance of your Account each day,
add  any  new  Balance  Transfers  as  of  the  date  the
transaction  is  posted  to  your  Account,  and  subtract  any
payments  or  credits,  unpaid  interest  charges  and  other
charges, as of the date of posting, and outstanding Cash
Advances and Purchases. This gives us the daily balance
for  Balance  Transfers.  Then  we  add  all  of  these  daily
balances for the Billing Cycle together and divide the total
by the number of days in the Billing Cycle. This gives us
the “average daily balance” of Balance Transfers. 
(3) Determining  the  Amount  of  the  Interest  Charge.  The  interest
charge  imposed  during  a  Billing  Cycle  will  be  determined  by
multiplying  each  of  the  average  daily  balances  of  Purchases,
Balance  Transfers  and  Cash  Advances  by  the  applicable
Monthly  Periodic  Rate.  The  Monthly  Periodic  Rates  and  the
ANNUAL  PERCENTAGE  RATES  for  Purchases,  Balance
Transfers and Cash Advances imposed on your Account during
a Billing Cycle will be variable rates that are subject to change
from  Billing  Cycle  to  Billing  Cycle.  The  variable  ANNUAL
PERCENTAGE  RATES  for  Purchases,  Balance  Transfers  and
Cash Advances will be determined based on the “Prime rate for
the U.S.” designated in the “Money Rates” section appearing in
each issue of The Wall Street Journal. If more than one Prime
rate  is  designated  for  the  U.S.  on  the  date  of  a  variable  rate
adjustment, we may choose the highest of such Prime rates.
Any change in the Prime rate will generally result in a change in
the  ANNUAL  PERCENTAGE  RATES  for  Purchases,  Balance
Transfers or Cash Advances under your Account. The amounts
that  your  ANNUAL  PERCENTAGE  RATES  for  Purchases,
Balance  Transfers  and  Cash  Advances  change  may  also  be
affected  by  the  Account’s  maximum  ANNUAL  PERCENTAGE
RATE (described below). The current variable Monthly Periodic
Rates  and  the  corresponding  ANNUAL  PERCENTAGE  RATES
for  Purchases,  Balance  Transfers  and  Cash  Advances  are
disclosed on the card mailer form that accompanies your Card
and this Agreement. 
(a) Purchases. 0.0% Introductory APR.

For  the  first  seven  complete  Billing  Cycles  after  your
Account is opened, the ANNUAL PERCENTAGE RATE for
Purchases  made  under  your  Account  will  be  0.00%
(corresponding Monthly Periodic Rate: 0.00%). For these
purposes,  we  will  deem  your  Account  to  be  opened  ten
days after we mail your Card to you. Beginning with the
first day of the eighth Billing Cycle after your Account is
opened,  we  will  determine  your  ANNUAL  PERCENTAGE
RATE  for  Purchases  subject  to  an  interest  rate  for  each
Billing Cycle by adding 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  ANNUAL
PERCENTAGE  RATE  for  Cash  Advances  for  each  Billing
Cycle by adding 14.75% to the Prime rate in effect on the
last  day  of  the  prior  Billing  Cycle.  Your  Monthly  Periodic
Rate for Cash Advances will be 1/12 of the corresponding
ANNUAL  PERCENTAGE  RATE.  However,  in  no  event  will
your  Monthly  Periodic  Rate  for  Cash  Advances  exceed
1.50%  (corresponding  ANNUAL  PERCENTAGE  RATE  of
18.00%).

(B) Other Charges.

(1) Late Charge. If you do not make a payment on your Account at
least  equal  to  the  minimum  monthly  payment  due  on  your
current  monthly  billing  statement  within  ten  (10)  days  of  the
payment  due  date  shown  on  your  current  monthly  billing
statement, you agree to pay a late charge of up to $15.00. The
late  charge  will  be  reflected  in  the  New  Balance  of  your
Account. 

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

(3) Balance Transfer Fee. Each time you transfer all or part of the
balance of another loan or credit card account to your Account
with us, we will assess a Balance Transfer fee equal to 3% 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

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106351  04/18/13  3:21 PM  Page 2

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

2.

3.

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

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

13. Application of Payments and Credits. 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 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%.   
18.00% 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 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: We 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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