for you - hancock whitney · 2019-09-04 · important account changes. we want you to experience a...

For You

Transition Guide for clients of MidSouth BankDetailed information begins on page 2.

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HONOR & INTEGRITY

STRENGTH & STABILITY

COMMITMENT TO SERVICE

TEAMWORK PERSONAL RESPONSIBILITY

The Gulf South is built on close-knit communities and hard work. Our story is one of dedication to our region’s people, traditions and success. For over a hundred years, we’ve helped our communities prosper and thrive as trusted, reliable business and community partners, and helped countless clients achieve financial success.

Today, we have locations along the Gulf Coast from Texas to Florida and we’re proud to bring our clients world-class financial services as well as a strong commitment to our local communities. That commitment, along with our focus on personal service, has allowed us to become one of the strongest, safest and most trusted banks in America. We’re honored to play our part in helping you achieve your financial hopes and dreams.

Across the Gulf South.

PENSACOLAPANAMA CITY

JACKSONVILLE

MELVILLE

EDISON

NASHVILLE

LONGVIEW

MARSHALL

TAMPA

MONTGOMERY

LAKECHARLES

LAFAYETTE

TYLER

SHREVEPORT

BATON ROUGE

GULFPORT

NEW ORLEANSHOUMA

HATTIESBURG

JACKSON

MOBILE

TALLAHASSEEBEAUMONT

NATCHITOCHES

COLLEGESTATION

DALLAS

HOUSTON

CONROE

PENSACOLAPANAMA CITY

JACKSONVILLE

MELVILLE

EDISON

NASHVILLE

LONGVIEW

MARSHALL

TAMPA

MONTGOMERY

LAKECHARLES

LAFAYETTE

TYLER

SHREVEPORT

BATON ROUGE

GULFPORT

NEW ORLEANSHOUMA

HATTIESBURG

JACKSON

MOBILE

TALLAHASSEEBEAUMONT

NATCHITOCHES

COLLEGESTATION

DALLAS

HOUSTON

CONROE

HANCOCK WHITNEY LOCATIONS

MIDSOUTH BANK LOCATIONS Pending regulatory and shareholder approval, expected to become Hancock Whitney locations when the merger closes, currently scheduled for September 20, 2019.

New York and New Jersey Specialty Services Locations

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“They went out of their way to help me make sure I was taken care of. I’ve never received

service like this from any other bank.”Douglas F.

Committed to serving you.ROANNA CHENAULT

Helping people achieve their financial goals and dreams has been our mission from day one. It’s what drives the values we live by.

Honor and integrity, strength and stability, teamwork, personal responsibility and, of course, a commitment to client service are the foundation of everything we do. That’s because these timeless values are also the foundation of the strong relationships we form with our clients.

It’s not enough to simply have our Relationship Bankers respond to our clients’ needs and be there when they need our advice —it’s a commitment to delivering a 5-star experience to our clients consistently across our 5-state footprint. What separates us from our competitors is our associates who take pride in building strong relationships. It’s part of our culture and 5-star philosophy.

This issue provides an overview of the many products and services we offer. We invite you to speak to one of our knowledgeable bankers today and we look forward to helping you achieve your financial dreams with warm 5-star service every step of the way.

As MidSouth Bank becomes part

of Hancock Whitney, you can look

forward to 5-star service, a full array

of personal, business, and wealth

management services and an even

stronger presence across the Gulf South.


2

Important Account ChangesWe want you to experience a smooth transition with all of your accounts and services. To help you prepare, we have developed this easy-to-follow transition guide with a quick overview of changes that may affect your account. Please take a few minutes to review this important information. Remember, you can also check out our online transition guide at hancockwhitney.com/transition-guide or call us at 800-213-2265.

Your AccountsCareful consideration has gone into determining the accounts with the features and benefits that seem to best suit your needs. Information specific to your account(s) is detailed in the letter included with this packet.

Also, please review the enclosed Truth in Savings Deposit Account Information, the Deposit Agreement (which includes our Terms & Conditions, Funds Availability Policy and Electronic Funds Transfer Policy) and our Privacy Policy so that you understand your and our respective rights and obligations regarding your account(s). Please also refer to the enclosed Addendum to Deposit Agreement Terms and Conditions effective April 13, 2019 insert. Enclosures may vary due to product type.

If, while reviewing this information, you find a solution that is a better fit for your unique needs, your banker will be happy to help you.

Online Transition GuideFrequently asked questions, important dates and checklists

are available at hancockwhitney.com/transition-guide.

Avoid Monthly Service ChargesMost of our clients don’t incur monthly service charges on their checking accounts. We offer several ways to avoid monthly service charges. Review the details starting on page 24.

Relationship BankingIf you had linked accounts at MidSouth Bank and received relationship pricing for those accounts, please know that we’re taking a good look at those situations. We’re proactively linking eligible accounts, but encourage you to follow up with your banker to review your entire relationship and online banking details.

Getting To Know YouEnjoy your new checking and/or savings account

through December 31, 2019, with no monthly service

charges. During this time, we hope to learn more

about your financial needs and will work with you to

ensure that you have the proper products and services

to fit your relationship. After December 31, 2019,

your accounts will be subject to all disclosed

service charges.

Account NumbersThe vast majority of clients will not see any change to their account number(s). However, as with any transition, some duplication of account numbers will occur. You will be notified directly if your account is affected.

Checks and Deposit TicketsYou may continue to use your existing stock of MidSouth Bank checks and deposit slips. When you need to reorder, you can visit a local branch, order online, or call 800-355-8123. When it is time to reorder checks, you’ll need to notify outside check vendors of your new bank routing number (see below). If you order checks through Hancock Whitney, we’ll take care of this automatically.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender.


3Hancock Whitney Bank, Member FDIC and Equal Housing Lender.

Overdraft ServicesYour Bounce Protection Limit, if any, will be discontinued on the conversion date and will be replaced by Hancock Whitney’s Standard Overdraft Services, in which we pay overdrafts at our discretion. This means the dollar amount allowed for overdrafts on any given day may be more or less than the Bounce Protection limit currently in place on your account.

We automatically offer this service on your Check, ACH, Automatic Bill Payments and Recurring Debit Card transactions. However in order for us to consider authorizing and paying your ATM and Everyday Debit Card transactions into overdraft, you must ask us to do so, which we refer to as opting in. If you are opted in for payment of overdrafts on these transactions on your MidSouth account, that account will be converted as opted in at Hancock Whitney. A letter confirming your opt-in election will be mailed to you shortly after the conversion weekend. You can change your opt-in election any time after the conversion date by calling the 800-213-2265 or visiting any Hancock Whitney Financial Center.

Introducing the HW $5 PassNo Overdraft or non-sufficient funds (NSF) Fee is ever assessed on an individual transaction of $5 or less or when your account balance is overdrawn $5 or less at end of day processing.

Please refer to our online transition guide at hancockwhitney.com/transition-guide for additional information regarding changes to your overdraft fees and overdraft protection plans.

For detailed information on all of our overdraft solutions, please visit us online at www.hancockwhitney.com/overdraft-protection-services and refer to the enclosed Deposit Agreement.

Money Market/Checking/Savings RatesWe will continue to pay stated rates on most accounts through 2019. Refer to Truth in Savings section starting on page 24 for more details. Going forward, beyond 2019, we will continue to pay competitive rates to help our clients achieve their financial goals and dreams. In some cases, you may also want to consider placing deposits in our promotional CDs or consider alternative investments in order to earn a higher yield. Discuss your options with your banker.

Your CDsThe terms and conditions of your CD will remain in effect until the maturity date. Prior to maturity, you will receive a renewal notification, and you will be given the option to allow the CD to automatically renew for the same term at the standard rate or withdraw the funds and reinvest the balances as appropriate.

StatementsYour final statement from MidSouth Bank will be produced by the conversion date. The conversion date is the date the merger closes, currently expected to occur on September 20, 2019. Hancock Whitney checking statements will begin shortly thereafter. Though your new bank statements may look different, the information to help you track your transactions and manage your money efficiently is still the same.

• You’ll receive separate monthly statements for all checkingand money market accounts. Samples of our checkingstatements are available on our online transition guide athancockwhitney.com/transition-guide.

• Savings account statements are issued quarterly. However,if you have activity on your savings account (a transfer orATM debit, etc.), you’ll receive a statement for the monththe activity occurred.

• If you currently receive a monthly loan billing statement,you will continue to receive one. The format will be slightlydifferent, but the content will remain the same.

• CD information will be provided to you in advance of therenewal date.

Funds Transfer AgreementsIf you currently have a Funds Transfer Agreement (FTA) with MidSouth Bank with the option to initiate fax or telephone wire requests, please contact us as soon as possible after September 20, 2019, to update to a Hancock Whitney FTA.

Activating Your New Visa® Debit and ATM CardsYour new Visa Debit or ATM card as well as a new PIN will arrive via mail by early September. Please follow the accompanying instructions to activate your new card. Additional card information will be provided soon.

Remember To Activate Your Debit Card.

866-985-CARD (2273)

24 Hours a Day, 7 Days a Week


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Updates to Your Lending RelationshipThe terms and conditions of your loans and lines of credit will remain the same. After the conversion date, you will begin to receive statements from and make payments to Hancock Whitney. However, the terms, interest rate, monthly payment and fees will remain unchanged.

PaymentsAfter the conversion date, you may use any of the following methods to make loan payments:

• Set up a transfer in Online Banking.

• Visit us at any Hancock Whitney financial center and one of our associates will be happy to process your loan payment.

• Mail your payment to the address listed on your loan statement.

• The vast majority of automatic loan payment clients will not see any changes to their payment schedule. As with any transition, some customers’ automatic payment schedules may be affected. Clients affected will receive a separate letter with additional information.

Your MortgageOver the next several weeks, mortgage clients will receive direct communication regarding transfer details, automatic payment changes and servicing updates.

Loans Secured by Real EstateOver the next several weeks, you will receive direct communication regarding transfer details, automatic payment changes and servicing updates.

Force-Placed Auto InsuranceIf you allow your current auto insurance to lapse, we will not force-place insurance for you. Clients that currently have auto insurance force-placed will receive a separate letter with additional information.

Introducing Your New Visa Platinum Rewards Credit CardIf you have a credit card with MidSouth Bank, you should have already received a communication detailing the next steps. Here are the highlights:

• Your purchase Annual Percentage Rate will stay the same and your rewards will be converted over at their current value.

• Look for your new credit card to arrive in mid-September.

• You can activate and begin using your Hancock Whitney credit card on September 21, 2019 following the closure of the merger, currently anticipated to be effective at the close of business on September 20, 2019.

• More details about Visa Purchase Alerts, mobile wallet options and your new rewards program are on page 14.

Our Team Is ReadyWe have a team of associates ready to assist you through the transition process—they’re in our financial centers and on the phones. Contact us at 800-213-2265, and we can walk you through your account questions, online banking inquiries, locations of convenient financial centers and much more.

Not an online banking user? No worries—there are many ways to bank with us. Enrolling in our information line is easy! After the conversion date, call 800-213-2265. To enroll in the Hancock Whitney Information Line, press 1. To speak with a Contact Center associate, please remain on the line.

Once you enroll in our information line, you can:

• Check account balances

• Review account activity

• Reorder checks

• Transfer funds

• Report a lost or stolen card

• Make a payment on your loan

• Receive online banking, mobile banking and digital wallet assistance

Hancock Whitney Contact Center Hours

Monday–Friday 7 AM – 7 PM CT

Saturday 8 AM – 2 PM CT

“The loan officer was very nice and extremely understanding of what I needed. I was

amazed at how efficient the process was.”Doris H.



PasswordYour current user ID will

remain the same and we’ll

send you a temporary

password soon. Use your

temporary password when

you log in to mobile or online

banking for the first time.

Mobile BankingStart by downloading the

Hancock Whitney mobile app

and use your online banking

username and temporary

password to log in.

Log Into hancockwhitney.com

and enter your existing user

ID. Some users will receive

advance instructions if their

user ID is not compatible

with our system.

Password SecurityYou will be prompted

to create a permanent

password during your first

online banking session.

1 2 3

Access Your Money OnlineBeginning on the morning of Sunday, September 22, 2019, use the following steps to log in to mobile or online banking at hancockwhitney.com. More detailed information and specific dates are available at hancockwhitney.com/transition-guide.

5

Accept Terms & Conditions

You will be prompted to

accept e-Consent, then

Terms and Conditions will be

presented for acceptance.

Review Your Accounts

Closely look at your accounts

for accuracy. You may need

to follow up with your banker

to link relationships and

accounts not shown.

7

Enroll in Online Statements

Enroll in online statements

for each of your accounts.

Post conversion day,

we will continue to add

up to18 months of your

MSBOnline statements.

6

4

Mobile Check DepositMobile Deposit enables you to deposit checks electronically by simply taking a photo of the front and back of the check with your iPhone, Android or other smartphone or tablet using our mobile banking app.

Bill Pay and TransfersPayees and Payments set up in MidSouth Bill Pay will transfer to online and mobile banking at hancockwhitney.com. However, recurring and future-dated transfers will not convert and you will have to schedule those after logging into online banking at Hancock Whitney.

Financial Management SoftwareQuicken and QuickBooks products are compatible with our online banking system. However, after enrolling in Online Banking at hancockwhitney.com, you will need to deactivate and then reactivate your account connections.

Text BankingText Banking will no longer be available. Download the Hancock Whitney Mobile App, log in and set up My Balance in your settings to get your balances anytime without having to log in. You may also want to set up alerts and notifications to be delivered via text or email. You can choose from a variety of notifications, including balance transfers, direct deposit and balances.

Forgot Something? View-only information including Online Statements for your MidSouth Bank accounts will be available on MSBOnline Banking for 10 business days past the conversion date.

Online Transition GuideDetailed information regarding setting up your Online Banking, Bill Pay and Mobile Banking services is available in our online transition guide at hancockwhitney.com/transition-guide.


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Products and Services InformationPages 8–23


8

Touch ID My Balances Electronic Statements

Apple, the Apple logo, iPhone, iPad and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Touch ID is a trademark of Apple Inc. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google, Google Pay and Chrome are trademarks of Google Inc.

We have you covered on every screen.See it in action at hancockwhitney.com/digital.

Payments & Transfers

View Check Images

Mobile Check Deposit

“The app is the best. I can pay bills and make transfers in no time. No worries paying online because the new changes in security are great. I never have to go to

the bank. Everything is done online and saves me so much time.”Cathy L.


9

Checking solutions that fit your lifestyle.

1 The monthly service charge on this account is $12.00 and will be waived when you maintain one or more of the following: A minimum daily collected balance of $1,500 or more or $5,000 in combined deposits (excluding CDs and IRAs) or consumer loans (excluding mortgages) or credit card balances. A Connect Checking account cannot be linked to any other Connect, Priority or Private Banking Checking account.

2 The monthly service charge on this account is $21.00 and will be waived when you maintain one or more of the following: A minimum daily collected balance of $10,000 or more, $25,000 in combined deposits (excluding CDs and IRAs) or consumer loans (excluding mortgages) or credit card balances or $250,000 or more in a Trust account or an account with Hancock Whitney Investment Services, Inc.* (excluding annuities). A Priority Checking account cannot be linked to any other Priority, Connect or Private Banking Checking account.

*Hancock Whitney Investment Services, Inc. is a registered broker/dealer, member FINRA/SIPC and an SEC Registered Investment Advisor. Hancock Whitney Investment Services, Inc. is a wholly owned subsidiary of Hancock Whitney Corporation.

3 Items created by check, in-person withdrawals or other electronic means that overdraft (OD) an account or are drawn on nonsufficient funds (NSF) may be charged $36.00 per item. If you have opted into the payment of ATM and everyday debit card (POS) transactions into overdraft, we may assess OD or NSF fees on these items as well. We waive OD/NSF fees on the following: items $5 or less or end-of-day account balances overdrawn or that would have been overdrawn by $5 or less. We will also assess a $36.00 Sustained Overdraft fee each time your account remains overdrawn for at least nine (9) consecutive calendar days. This fee is separate from your OD/NSF Fees already assessed. We waive this fee in certain circumstances. See our Truth in Savings Disclosure and Deposit Agreement for more information. We pay overdrafts at our discretion and do not guarantee that we will always authorize payment of any transaction. For example, we typically do not pay overdrafts if your account is not in good standing. If your account is overdrawn, you must immediately bring it to a positive balance to avoid additional fees. Visit a financial center or www.hancockwhitney.com/overdraft-protection-services for additional details on the Bank’s overdraft practices.

4 Service activation required.

5 Auto-pay your monthly cell phone bill with your Visa Debit Card and you’ll qualify for up to $250 in coverage if your phone is ever stolen or damaged. Certain terms, conditions and exclusions apply. See the Guide to Benefits, included with your new Visa Debit Card, for further details.

Hancock Whitney Bank, Member FDIC. Accounts subject to credit approval. Terms and conditions apply.

Been turned down for a checking account?Our New Horizons Checking account can give you the power to build or repair your credit with no cost credit score tracking and educational tools.

Access Checking Connect Checking Priority CheckingConvenient checking with great must-have features.

Premium security benefits and added services.

Interest-bearing account to maximize earnings.

Monthly Service Charge $10 $12 $21

Minimum Daily Balance to Waive Service Charge $250 $1,500 $10,000

Service Charge is Also Waived With Direct Deposit of $250 or More; or for Under Age 24 or Age 64 and over

Certain Relationship Balances of $5,000 or More1

Certain Relationship Balances of $25,000 or More2

Convenient Mobile Wallet Options

HW $5 Pass3 – No Overdraft or NSF Fees on Items $5 or Less

No Monthly Service Charge on any Linked Silver Savings Account

Identity Theft Protection including Credit Score Monitoring*4

Premium Debit Card Benefits: Increased Daily Spending Limits & Cellular Telephone Protection5

Link Your Checking with the Priority Money Market to Earn Premium Rates with Qualifying Activity

Sweep Excess Balances into Priority Money Market Account

Rebated Cash Withdrawal Fees at All U.S. ATMs

Free Wire Transfers

Elevated Call Priority

Investment and Insurance Products:

NO BANK GUARANTEE NOT A DEPOSIT MAY LOSE

VALUENOT FDIC INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY


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1 Some transactions may be routed through non-Visa networks. Transactions routed through non-Visa networks will not trigger a purchase alert. Actual time to receive Visa Purchase Alerts is dependent on when the merchant submits the charge, wireless service and coverage within area. Alerts service may not be available in all areas. Message and data rates may apply. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. A limit of ten cards can be registered per Visa Purchase Alerts account. Additional restrictions apply. To set up purchase alerts, visit hancockwhitney.com/purchase-alerts.

2 Items created by check, in-person withdrawals or other electronic means that overdraft (OD) an account or are drawn on nonsufficient funds (NSF) may be charged $36.00 per item. If you have opted into the payment of ATM and everyday debit card (POS) transactions into overdraft, we may assess OD or NSF fees on these items as well. We waive OD/NSF fees on the following: items $5 or less or end-of-day account balances overdrawn or that would have been overdrawn by $5 or less. We will also assess a $36.00 Sustained Overdraft fee each time your account

remains overdrawn for at least nine (9) consecutive calendar days. This fee is separate from your OD/NSF Fees already assessed. We waive this fee in certain circumstances. See our Truth in Savings Disclosure and Deposit Agreement for more information. We pay overdrafts at our discretion and do not guarantee that we will always authorize payment of any transaction. For example, we typically do not pay overdrafts if your account is not in good standing. If your account is overdrawn, you must immediately bring it to a positive balance to avoid additional fees. Visit a financial center or www.hancockwhitney.com/overdraft-protection-services for additional details on the Bank’s overdraft practices.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple, Inc. Google, Google Pay and Chrome are trademarks of Google Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Exceptional checking withconvenience & security.

Overdraft ProtectionSmall overdrafts get a pass! The HW $5 Pass2 means paying no overdraft or NSF fees on items $5 or less.

We also have a range of options like linking your checking account to another deposit account or line of credit that aid in managing the occasional overdraft over $5.

Visa® Purchase Alerts1

When it comes to security, vigilance is key. Visa Purchase Alerts can keep you in the loop on suspicious debit or credit card transactions with text and email alerts. It’s quick, customizable and free (message and data rates may apply).

Mobile Wallet OptionsAdd your debit and credit cards to the wallet app on your eligible Apple, Android, or Samsung device to easily check out at your favorite retailers without reaching for your wallet.


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Loans that help bring your dreams to life.Hancock Whitney Bank loans and lines of credit offer competitive rates and flexible terms.

Home EquityHome Equity Lines1

• Secured by the equity in your home

• Versatile enough to use for home renovation, education, debt consolidation and more

• Flexible Fixed Rate Feature2 locks in all or portion of line

Home Equity Loans1

• Secured by the equity in your home

• Useful for borrowing one-time for major expenses

• Provides a fixed payment and interest rate for term of loan

PersonalPersonal Lines and Loans

• Unsecured or secured options available

• Ideal for overdraft protection

• Flexible repayment terms and competitive interest rates

Vehicle Loans

• Available for car, motorcycle, boat or RV

• Low down payment & competitive rates

• No pre-payment penalties

1Texas laws impose certain additional restrictions on Texas home equity lines of credit and loans, such as only one home equity loan or line of credit is allowed on the home at one time, and no more than one home equity loan or line of credit may be made on the home within a 12-calendar-month period. Also, each advance for a Texas home equity line of credit must be in the amount of at least $4,000. Other restrictions apply. See a banker for details.

2 A takedown fee of $50 is charged each time a portion of the line is converted to a fixed monthly payment. The minimum amount of each takedown is $5,000. You may have up to a maximum of four takedowns outstanding at any time and during any twelve month period. Other terms and

conditions apply. Please see a banker for details.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender. All accounts and loans subject to credit approval. Terms and conditions apply.

“I got a home equity line of credit with your bank last year. The representative I worked with really went out of his way

to help me and make sure I got approved. Every time I go to the local branch to make my payment the tellers are

quick and very courteous.”Jacqueline T.


12

The natural beauty and abundant resources of the Gulf South, combined with the strength and goodness of its people, make our region a very special place to live. But as much as we love our coastal lifestyle, we also accept that we live in a place where disasters occasionally happen.

Since the very beginning of our company’s story, the people of Hancock Whitney have come together in times of crisis to help our neighbors, our communities and our colleagues recover and rebuild. Our actions are informed by our core values and one very simple philosophy: Do the right thing.

In October 2018, Hurricane Michael—one of the most intense hurricanes ever to hit the United States—made landfall in the Florida Panhandle. Michael was a major disaster that shattered communities, homes and businesses, and created tremendous challenges for the citizens of this area, including many members of our Hancock Whitney family. Yet, immediately after the storm, our associates sprang into action to help their devastated communities begin the recovery process.

ATM fees were waived so anyone—not just our clients—could get much-needed cash. Special disaster recovery assistance loans and payment deferral options were launched. Within 24 hours of the storm, locations in Tallahassee, along the Emerald Coast and in Pensacola were serving clients, often doing so without electricity or water.

Two days later, associates working from the first two temporary banking units in Panama City—within yards of our heavily damaged Highway 77 location—were helping people pick up the pieces and start their recovery. Within three days, all full-service financial centers across the storm-ravaged region were open and serving people and business owners who were working hard to restore their lives and livelihoods.

Ben Lee, Panama City-Bay County Market President, describes Hancock Whitney’s commitment to our communities this way: “This is who we are and what we do. This is the kind of caring we see every day in the Gulf South communities we call home.”

As we have done after every disaster affecting our service area, bank officers met with local leaders to assess immediate and long-term community needs. To further our commitment to recovery, we contributed more than $200,000 in relief accounts to help Northwest Florida.

Beyond helping people financially, our associates served nearly 4,000 meals to first responders and emergency teams working hard to restore critical services, and they gave out essential supplies to families in dire need of food and water.

In recent years, we’ve seen our associates consistently execute that caring commitment for clients and non-clients, communities, and each other time and time again. We saw it when Hurricanes Katrina and Rita ravaged the central Gulf Coast, when record floods devastated areas of Louisiana, and when Hurricane Harvey’s rains wrought havoc in Houston and surrounding areas.

Before, during and after those catastrophes, our Hancock Whitney family activated the same steadfast focus on safety and service that has carried us through more than 100 years of literal and figurative storms in the Gulf South. And we’ll continue to be resolute in our commitment to the people and communities we serve. It’s simply the right thing to do.

Louisiana Floods, 2016, Baton Rouge, LA

“In prosperity, we stand strong together. In adversity, we stand even stronger—side-by-side, hand-in-hand, helping each other and our hometowns rebuild, renew, and thrive.”

Ben LeePanama City-Bay County Market President

Helping communities rebuild, renew & thrive.


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Hurricane Harvey, 2017, Houston, TX

The Hancock Whitney Mobile Financial Center

Hurricane Michael, 2018, Panama City, FL

Hurricane Katrina, 2005, Gulfport, MS


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Reward yourself with 1% cash back on everyday purchases.1

Rewards

• Earn reward points on everyday purchases1 like gas, groceries and restaurants

• Convenient online tracking and redemption

Security

• Receive Visa Purchase Alerts2 on your phone and in your email

• Protection from unauthorized purchases with Visa Zero Liability3

• Your purchases are protected from theft or damage for the first 90 days4

Convenience

• No annual fee5

• Comprehensive account information online through CardManager

• Convenient mobile wallet options:

1 To earn reward points, purchases must be eligible credit card transactions. For details on eligible credit card transactions on which you can earn reward points and details on the reward points program in general, including the 1% cash back reward, go to hancockwhitney.com/pointsplus.

2 Some transactions may be routed through non-Visa networks. Transactions routed through non-Visa networks will not trigger a purchase alert. Actual time to receive Visa Purchase Alerts is dependent on when the merchant submits the charge, wireless service and coverage within area. Alerts service may not be available in all areas. Message and data rates may apply. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. A limit of ten cards can be registered per Visa Purchase Alerts account. Additional restrictions apply. To set up purchase alerts, visit hancockwhitney.com/purchase-alerts.

3 Visa® Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. You must notify your card issuer promptly of any unauthorized use. Consult your issuer for additional details or visit www.visa.com/security.

4 A complete description of these benefits, including any limitations and applicable third-party fees, will be provided at the time the card is issued.

5 As of 07/15/19 the APR for the Platinum Card ranges from 15.24% to 17.99% based on your creditworthiness when you open your account. The APR is based on the Prime Rate Index, plus a margin. The Index is the Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The APR may vary with the market based on the Prime Rate Index. Additionally, a balance transfer fee of 3% of the amount of each transfer (maximum fee: $50) and a cash advance fee of 3% of the amount of each cash advance apply.

All Hancock Whitney Visa® Cards are issued by Hancock Whitney Bank.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple, Inc. Google, Google Pay and Chrome are trademarks of Google Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

VISA® Platinum Rewards Credit CardEnjoy earning reward points redeemable for 1% cash back, travel, gift cards and more1. Plus, new cardholders can take advantage of low introductory interest rates.


15

Plan Your Way HomeThe home ownership journey, while exciting, can also cause some anxiety for first-time homebuyers. Questions arise such as, can I actually buy a house? How much can I afford? What are closing costs?

Plan Your Way Home gives you access to homeownership and financial literacy training providers, along with one-on-one credit counseling—so you know what you’re doing and what to expect. No matter how long it takes, we’ll guide you through every step of the homeownership process to help you achieve your dream of owning a home.

Find out more at hancockwhitney.com/plan-your-way-home.

Mortgage Options to ConsiderWe can help you navigate the homebuying process with competitive rates and terms on a variety of mortgages. Whether you’re a first-time homebuyer, refinancing or building your dream home, we’re here to help from pre-qualification to closing.

First-time Home Buyer

We take the guesswork out of how much house you can afford and pre-qualify you to make house hunting simpler.

Building a Home

Our one-time close construction-to-permanent loan covers both the construction loan and permanent financing. You can also lock your rate up front.

Moving Up to More Space

Your situation has changed, and your mortgage loan type may change too since you purchased your first home. We can help guide you based on your life today.

Mortgage Loan Types and Options

We can help you to determine the right loan including FHA, VA, Conventional, Rural development, and whether you need a fixed rate, adjustable rate or construction loan.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender. All accounts and loans subject to credit approval. Terms and conditions apply.

Make your dream home a reality.Falling in love with a home is the first step. We can help with the next—finding the perfect mortgage.


16

Savings options to grow your money and meet your goals.

*Federal regulations limit savings and money market accounts to six pre-authorized or electronic payments, withdrawals or outgoing transfers per month. This includes account transfers or payments initiated by telephone, Mobile Banking and Online Banking, as well as automatic debits and transfers (such as automatic bill payments and Overdraft Protection services).

1 Certificates of Deposit can be viewed via Online and Mobile Banking, but not accessed.

2 Fees could reduce earnings on the account.

3Opening a Priority Money Market Account requires an eligible checking account which is limited to Connect Checking, Priority Checking, and Private Banking checking accounts that have a minimum number of 5 client-initiated debit or credit transactions per statement cycle. If you do not have one of the eligible checking account types or if your linked checking account does not meet the minimum number of transactions, your Priority Money Market account will earn the default annual percentage yield (APY). See a banker or refer to the Priority Money Market Account Truth in Savings disclosure for full details.

Silver Savings* Money Market* Priority Money Market*3

Minimum Deposit to Open $100 $2,500 $100

Minimum Balance to Earn Interest

All Balances $2,500 $25,000

ATM Access

Online & Mobile Banking1

Withdrawals2 3 free per month, otherwise $3 6 free per month, otherwise $15 6 free per month, otherwise $15

Monthly Service Charge2 $3 $10 $25

Minimum Daily Balance to Waive Service Charge

$200 $2,500 $25,000

Your qualifying checking activity earns the premium rate for this account.

Get rewarded for your checking relationship with fair market rates on your money market account that will keep pace with the market. Ask us for details.

NEW

We also offer Certificates of Deposit, which can help you save for short-term and long-term goals with guaranteed fixed terms. They are available in a variety of term lengths and are a risk-free investment option for funds you won’t need access to immediately. See a banker for details.


17

1Eligible checking accounts are limited to Connect Checking, Priority Checking, and Private Banking checking accounts that have a minimum of 5 client-initiated debit or credit transactions in the statement cycle. If you do not have one of the eligible checking account types or if your linked checking account does not meet the minimum number of transactions, your Priority Money Market Account will earn the default interest rate and APY. Refer to the Truth In Savings disclosure provided at account opening for full details.

*Insurance Products Are:

NO BANK GUARANTEE NOT A DEPOSIT MAY LOSE

VALUENOT FDIC INSURED


2Service activation required.

3Federal regulations limit savings and money market accounts to six pre-authorized or electronic payments, withdrawals or outgoing transfers per month. This includes account transfers or payments initiated by telephone, Mobile Banking and Online Banking, as well as automatic debits and transfers (such as automatic bill payments and Overdraft Protection services).

4Fees could reduce earnings on the account.

Hancock Whitney Bank, Member FDIC. All accounts subject to credit approval. Terms and conditions apply.

Easy to earn—easy to accessPriority Money MarketThis new money market account is designed for today’s rising rate environment. With this innovative account, you’re rewarded for your checking relationship with fair market rates on your money market account that will keep pace with the market.

Priority CheckingGet rewarded for your relationship with great checking features. Simply link your qualified checking account and your checking activity earns premium rates on your money market.1

• Rebated Cash Withdrawal Fees at All U.S. ATMs

• Identity Theft Protection including Credit File Monitoring* and IDProtect® App 2

• Sweep feature that maximizes earning potential— automatically transfer excess balances into your Priority Money Market.

Relationships are a priority.You work hard. That’s why we offer a range of products to ensure your money does, too—our Priority Money Market is a smart new way to make your money work for you.

• Get started with just a $100 opening deposit.

• Earn interest with a minimum balance of $25,000.

• Get easy access to your account with Online and Mobile Banking.

• Get up to 6 free withdrawals per month—otherwise $15 each.3,4

• No monthly service charge with a daily balance of $25,000.1


18

Goals-based Financial Planning:for Your Unique and Evolving Goals.

Our ProcessFirst, we listen. Our team will listen and work with you to identify goals, expectations and concerns you have for yourself, your family and your business.

Next, we work with you to build a customized plan. We not only focus on your goals and what is important to you, but we can also help you plan for unexpected events and situations beyond your control. Our team will tailor a plan with solutions that will enable you to be confident about your financial future.

Then, we measure progress. With intuitive online tools, you can monitor and manage your progress towards your goals—anywhere, anytime.

Above all, we partner with you. We are here to help you stay on track and adjust your plan as your dreams evolve. Empowering You with an Intelligent Online PlatformOur new Wealth Manager online platform helps you easily and securely manage your financial life. View your financial accounts in one place, manage expenses, set a budget and save for personal goals. The Wealth Manager also allows you to see the bigger picture, calculate your net worth and make adjustments to your financial plan if necessary.

Your goals and what is important to you

are the foundation of our planning process.

At Hancock Whitney Investment Services,

we help you identify and establish your

goals, assess where you are today, and

plan for wherever life leads you. Whether

your goal is to build, preserve, or transfer

your wealth, we can help you get there.


19

Investment ServicesAt Hancock Whitney Investment Services,

our Financial Advisors get a deep

understanding of your needs, goals,

and dreams before putting our investment

knowledge into achieving them.

Every service we provide is delivered by

objective advisors dedicated to your goals.

Investment Review & Risk Analysis Our team will review your current investments to determine whether you are on track to realizing your goals and dreams. If changes are needed, we will work with you to create an investment plan based on your risk tolerance.

Professionally Managed Accounts With a managed account, your financial advisor—with guidance from our asset management team—will craft a diverse portfolio custom-fit and managed to suit your evolving needs and opportunities.

Retirement Planning Whatever you dream of doing after your last day in the office, our financial advisors will work with you to develop a personalized investment strategy that helps make it possible. Whether you’re just starting or rolling over existing IRAs, 401(k)s or other retirement plans, we are here to help.

Insurance If you have gaps in your coverage, our licensed team can review your insurance coverage and recommend changes based on your needs.

Full Range of Investment OfferingsWe offer a range of investments—plus insurance—designed to meet your needs and achieve your goals.

Investments

• Stocks

• Bonds

• Mutual Funds

• Fee-based Managed Accounts

• Exchange-traded Funds (ETFs)

• Unit Investment Trusts (UITs)

Insurance

• Term Life Insurance

• Whole Life Insurance

• Universal Life Insurance

• Long-term Care Insurance

• Single-Premium Wealth Transfer Insurance

Annuities

• Fixed Annuities

• Indexed Annuities

• Variable Annuities

Retirement & Custodial Accounts

• Traditional and Roth IRAs

• 401(k) and 403(b) Rollovers

• Custodian for Minor Accounts

Investments and Insurance Products are offered through Hancock Whitney Investment Services, Inc. Hancock Whitney Investment Services Inc. is a registered broker/dealer, member FINRA/SIPC and an SEC Registered Investment Advisor. Hancock Whitney Investment Services, Inc. is a wholly owned subsidiary of Hancock Whitney Corporation.

Investment and Insurance Products:

NO BANK GUARANTEE

NOT A DEPOSIT

MAY LOSE VALUE

NOT FDIC INSURED



20

Official Bank of New Orleans Saints and New Orleans Pelicans.

Hancock Whitney continues long-standing partnership with Pensacola Wahoos.Relay for Life Fundraising in Alabama.

Splash Bash for Mississippi Aquarium.

Creating Opportunities in Communities.At Hancock Whitney, we believe in strong community partnerships and our core commitment to service helps create opportunities that further strengthen the multifaceted fabric of our region.

Across our footprint, we sponsor, support and partner with community activities and organizations which complement our purpose—creating opportunities for communities and the people we serve—and align with our core values.

Our commitment to serving the people who call our communities home is simply part of how we do business and how we live in the Gulf South.


21

Hancock Whitney associates give back generously and passionately on their own time to community initiatives and organizations sharing our core values.

Hancock Whitney joins Tiger Nation as Official Bank of LSU Athletics.

Hancock Whitney Stadium, the University of South Alabama’s new on-campus football stadium, is set to open in 2020.

Hancock Whitney Perseverance Oaks is a multi-year, multi-faceted commitment to help replenish local landscapes scarred by major storms with offspring of landmark and other live oaks.

Hancock Whitney Broadway in New Orleans.

Home renovation project for Rebuilding Together Houston. Hancock Whitney’s River Oaks Financial Center relocated to the centrally located Kirby Center in Houston, Texas.

Learn more at hancockwhitney.com/our-community-commitment.


22

Building good money habits for life.We are proud to sponsor educational initiatives in our schools and communities that can lead to better opportunities for everyone. By supporting financial literacy, we can help our communities in building prosperous futures.

Helpful lessons to enhance your “financial cents.”Hancock Whitney Financial Cents is a comprehensive online and in-person financial education program which supports our lifelong learning philosophy—providing people the right information at the right times in their lives to nurture their financial success.

Accessible 24 hours a day, seven days a week, Financial Cents offers online playlists featuring lessons on important money management topics such as mortgages, overdrafts, credit scores, financing higher education and much more.

Discover this free resource at hancockwhitney.com/financial-education.


23

Great insights & stories on our blog.True to our mission, our insights blog is published to help. It’s full of tips to help you achieve your financial goals and dreams, real stories of how we’ve put our expertise to work for clients and more.

Read real success stories about clients such as Kari Oaks, who realized her dream of becoming a small business owner. After battling breast cancer, Kari Oaks decided to pursue her love of floral arrangements as a full-time business.

George and Nancy Richard wanted to build the perfect home for the family to come and visit for years to come.

Megan Bradley has already started to teach her sons the importance of saving and giving back to the community.

Find out more on how we are helping local communities, offering valuable financial advice, as well as updates on the Florida recovery featured in this issue.

Read more at hancockwhitney.com/insights.


24

Truth in Savings Deposit Account InformationEffective on the date the merger closes, currently expected to occur on September 20, 2019.

Thank you for giving our bank the opportunity to serve you. This information, combined with the brochures titled “Deposit Agreement—Terms & Conditions” and the Privacy Policy, will provide a complete disclosure of the fees, terms, conditions and general rules governing the use of your account.

Access CheckingMonthly service charges and paper statement fees for MidSouth Bank-acquired checking accounts will be waived through December 31, 2019. After December 31, 2019, accounts will be subject to all disclosed service charges.

Minimum Opening Deposit: A minimum deposit of $50.00 is required to open this account.

Monthly Service Charge: $10.00

Minimum Balance Requirements To Avoid Service Charge:

• $250.00 minimum daily balance; or

• A direct deposit of $250.00 or more; or

• Primary account owners under the age of 24 or age 64 or older, provided there is a valid date of birth on file.

FeesAccount Closure (within one hundred eighty [180] days of opening): $20.00

Dormant Account (no debit or credit activity for one [1] year): $5.00 per month in addition to any applicable monthly service charge. No dormant fee will be assessed on accounts opened in the state of Texas.

Overdraft Charge/Nonsufficient Funds (NSF) Charge (each item): $36.00. This fee applies to items created by check, in-person withdrawals, ATM withdrawals or other electronic means.

For each time that your account remains overdrawn for at least nine (9) consecutive calendar days, you agree to pay one Sustained Overdraft Fee of $36.00. This fee is separate from and may be charged in addition to the Overdraft Fee or NSF Fee which may be charged on each individual NSF item.

For items presented against non-sufficient funds (NSF), we will not charge you an NSF fee if, after the end of day processing occurs, your available balance is or would have become overdrawn by $5.00 or less had we paid the NSFs and not returned them. However, we will charge you an NSF fee if, after the end of day processing occurs, your available balance is or would have become overdrawn by more than $5.00 had we paid the NSFs and not returned them. Also, we will not charge you an NSF fee for any NSF item of $5.00 or less. Finally, we will not charge you for more than five (5) overdraft fees or NSF fees (individually or in combination) per account per day.

If your account is overdrawn, you must immediately bring it to a positive balance to avoid additional fees.

For other information about our overdraft practices, please refer to the Deposit Agreement.

For additional charges which may be applied to this account, please refer to the Other Fees section of this document.

StatementAn electronic statement will be produced monthly. A printed image statement is available for $3.00 per month.



Connect CheckingMonthly service charges for MidSouth Bank-acquired checking accounts will be waived through December 31, 2019. After December 31, 2019, accounts will be subject to all disclosed service charges.



Minimum Balance Requirements To Avoid Service Charge:

• $1,500.00 minimum daily balance OR

• $5,000.00 in combined deposits or consumer loans or credit card balances. Calculations based on average daily balance for linked deposit accounts and average daily outstanding balance for linked consumer loans and credit cards.

– Linked deposit accounts may not include Certificate of Deposit or Individual Retirement Accounts. You may not link this account to any other Connect, Priority or Private Banking checking account.

– Linked loans may not include mortgage loans.

Otherwise, a $12.00 monthly service charge applies. At account setup you will have the opportunity to select the accounts that you would like to be linked for combined balance calculation purposes.


Overdraft Charge/Nonsufficient Funds Charge (each item): $36.00 This fee applies to items created by check, in-person withdrawals, ATM withdrawals or other electronic means.






StatementAn Image Statement will be produced and mailed monthly.

Club Checking Program BenefitsIf the account owner is a signer, fiduciary, entity, business, association, other agency, organization or agent, etc., and not a natural person, you do not qualify for the Club Checking Program benefits.


26

Priority CheckingMonthly service charges for MidSouth Bank-acquired checking accounts will be waived through December 31, 2019. After December 31, 2019, accounts will be subject to all disclosed service charges.



Minimum Balance Requirements to Avoid Service Charge:

• $10,000.00 minimum daily balance OR

• $25,000.00 in combined deposits or consumer loans or credit card balances. Calculations based on average daily balance for linked deposit accounts and average daily outstanding balance for linked consumer loans and credit cards.

– Linked deposit accounts may not include Certificate of Deposit or Individual Retirement Accounts. You may not link this account to any other Connect, Priority or Private Banking checking account.

– Linked loans may not include mortgage loans.

OR

• $250,000.00 or more in a Trust Account or in an account with Hancock Whitney Investment Services, Inc., (excludes annuities).

Hancock Whitney Investment Services, Inc. is a registered broker/dealer, member FINRA/SIPC and an SEC Registered Investment Advisor. Hancock Whitney Investment Services, Inc. is a wholly owned subsidiary of Hancock Whitney Corporation.

Investments:

NO BANK GUARANTEE

NOT A DEPOSIT

MAY LOSE VALUE

NOT FDIC INSURED


Otherwise, a $21.00 monthly service charge applies. At account setup you will have the opportunity to select the accounts that you would like to be linked for combined balance calculation purposes.


Overdraft Charge/Nonsufficient Funds Charge (each item): $36.00 This fee applies to items created by check, in-person withdrawals, ATM withdrawals or other electronic means.






StatementAn Image Statement will be produced and mailed monthly.

Rate Information

Minimum Daily Collected Balance Interest Rate APY

$0–$2,499 0.00% 0.00%

$2,500+ 0.12% 0.12%

Frequency of Rate ChangesAt the bank’s discretion, we may change the interest rate and annual percentage yield on this account at any time without prior notification to you. However, most MidSouth Bank-acquired accounts will receive the pricing in the table above at least through December 31, 2019.

Balance Computation MethodThe daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the collected balance in the account each day.



Compounding and CreditingInterest is paid on minimum daily collected balances of $2,500.00 and greater. Interest will be compounded and credited to the account on a monthly basis. Interest begins to accrue no later than the business day credit is received for the deposit of noncash items (for example, checks). If the account is closed before interest has been credited, all accrued interest will be paid to you.

Club Checking Program BenefitsIf the account owner is a signer, fiduciary, entity, business, association, other agency, organization or agent, etc., and not a natural person, you do not qualify for the Club Checking Program benefits.

New Horizons CheckingMinimum Opening Deposit: A minimum deposit of $50.00 is required to open this account.


Fees: There is no per check charge.

Account Closure (within one hundred eighty [180] days of opening): $20.00

Dormant Account (no debit or credit activity for one [1] year): The dormant account fee is the monthly service charge. No dormant fee will be assessed on accounts opened in the Texas bank.

Overdraft Charge/Nonsufficient Funds Charge (each item): $36.00. This fee may apply to items created by check, in person withdrawals, ATM withdrawals or other electronic means.

Generally, all nonsufficient funds (NSF) items, whether created by check, in-person withdrawal, ATM withdrawal or other electronic means will be returned unpaid. Everyday (point of sale) debit card transactions that would result in an overdraft may be declined.



For items presented against non-sufficient funds (NSFs), we will not charge you an NSF Fee if, after the end-of-day processing occurs, your available balance is or would have become overdrawn by $5.00 or less had we paid the NSFs and not returned them. However, we will charge you an NSF Fee if, after the end-of-day processing occurs, your available balance is or would have become overdrawn by more than $5.00 had we paid the NSFs and not returned them. Also, we will not charge you an NSF Fee for any NSF item of $5.00 or less. Finally, we will not charge you for more than five (5) overdraft fees or NSF fees (individually or in combination) per account per day.

For other information about our overdraft practices, please refer to the disclosure titled “What You Need to Know about Overdrafts and Overdraft Fees,” which you received when opening this account or the Deposit Agreement.


StatementA statement will be produced and mailed monthly. Duplicate checks are recommended for your convenience.

Special FeatureUpon request, this account may be converted to any other type of personal checking account after one (1) year following account opening. To be converted, the account must be in good standing prior to any requested account conversion.


28

Money MarketWe will continue to pay the rates stated below through 2019 on most accounts. Going forward, beyond 2019, we will continue to pay competitive rates.


$0–$2,499 0.00% 0.00%

$2,500–$24,999 0.14% 0.14%

$25,000–$249,999 0.45% 0.45%

$250,000+ 0.75% 0.75%

Minimum Opening Deposit: A minimum deposit of $2,500.00 is required to open this account.

Minimum Balance Requirements: A minimum daily collected balance of $2,500.00 must be maintained in the account each day to earn interest.

A service charge will be assessed each month if the minimum daily balance in the account falls below $2,500.00 on any day of the month.

Service Charges

Minimum Daily Balance Charge

$2,500.00 and above No Charge

Below $2,500.00 $10.00

Transaction LimitationsFederal banking regulations restrict the number of withdrawals and transfers that can be made per month. During any calendar month, you may make up to six (6) of any combination of the following types of withdrawals or transfers:

• Withdrawals or transfers between your other bank accounts made by pre-authorized or automatic transfer by telephone, fax or internet banking.

• Withdrawals or transfers to a third party made by pre-authorized transfer (including ACH debits), or automatic transfer by telephone, fax or internet banking, or by check draft, debit card or similar order.

If you exceed these limitations on more than an occasional basis, federal regulations require that we convert your account type to a non-interest-bearing checking account. You will be notified, should this be necessary, prior to the change.

You may make an unlimited number of transfers between or withdrawals from your other bank accounts if made in person, by ATM, mail or messenger, or for the purpose of repaying loans at the same bank. You may also make unlimited deposits into this account.

Transaction FeeThe bank will assess a $15.00 fee for each transfer or withdrawal in excess of six (6) per month, regardless of minimum balance.


Overdraft Charge/Nonsufficient Funds Charge (each item): $36.00. The fee applies to items created by check, in-person withdrawals, ATM withdrawals or other electronic means.






StatementAn image statement will be produced and mailed monthly.



Frequency of Rate ChangesAt the bank’s discretion, we may change the interest rate and annual percentage yield on this account at any time without prior notification to you. However, most MidSouth Bank-acquired Money Market accounts will receive the pricing in the table listed on page 28 at least through December 31, 2019.

Compounding and CreditingInterest will be compounded and credited to the account on a monthly basis. Interest begins to accrue no later than the business day credit is received for the deposit of noncash items (for example, checks). If the account is closed before interest has been credited, all accrued interest will be paid to you.


Silver SavingsMinimum Opening Deposit: A minimum deposit of $100.00 is required to open this account.

Minimum Balance Requirements: Interest is paid on balances of $.01 and more.

A service charge will be assessed each month if the minimum daily balance in the account falls below $200.00 on any day of the month.

The service charge will be waived for customers over the age of 65 and under the age of 18, if we have a date of birth on file.

Service Charges

Minimum Daily Balance Charge

$200.00 and above No Charge

Below $200.00 $3.00

If your Silver Savings account is linked to a Connect, Priority or Private Banking checking account, no monthly service charge will be assessed. Other fees, including excessive item fees, will still apply.

Transaction LimitationsFederal banking regulations restrict the number of withdrawals and transfers that can be made per month. During any calendar month, you may make up to six (6) of any combination of the following types of withdrawals or transfers:

Withdrawals or transfers made between your other bank accounts made by pre-authorized or automatic transfer by telephone, fax or internet banking.

Withdrawals or transfers to a third party made by pre-authorized transfer (including ACH debits), or automatic transfer by telephone, fax or internet banking, or by check draft, debit card or similar order.

If you exceed these limitations on more than an occasional basis, federal regulations require that we convert your account type to one without transaction limitations. You will be notified, should this be necessary, prior to the change.

You may make an unlimited number of transfers between or withdrawals from your other bank accounts if made in person, by ATM, mail or messenger, or for the purpose of repaying loans at the same bank. You may also make unlimited deposits into this account.

Transaction FeeThe bank will assess a $3.00 fee for each transfer or withdrawal in excess of three (3) per month. This transaction fee applies, regardless of account balance or age of account holder.


Dormant Account (with a minimum daily balance below $200.00 and no debit activity for two [2] years): $5.00 per month in addition to any applicable monthly service charge. No dormant fee will be assessed on accounts opened in the state of Texas.

Overdraft Charge/Nonsufficient Funds Charge (each item): $36.00. This fee applies to items created by check, in-person withdrawals, ATM withdrawals or other electronic means.



30

Rate InformationWe will continue to pay the rates stated below through 2019 on most accounts. Going forward, beyond 2019, we will continue to pay competitive rates.


$0.01–$2,499 0.10% 0.10%

$2,500–$9,999 0.10% 0.10%

$10,000–$74,999 0.12% 0.12%

$75,000–$249,999 0.12% 0.12%

$250,000+ 0.14% 0.14%

Frequency of Rate ChangesAt the bank’s discretion, we may change the interest rate and annual percentage yield on this account at any time without prior notification to you.

Compounding and CreditingInterest will be compounded and credited to the account on a quarterly basis. Interest begins to accrue no later than the business day credit is received for the deposit of noncash items (for example, checks). If the account is closed before interest has been credited, all accrued interest will be paid to you.


Christmas Club SavingsMinimum Opening Deposit: A minimum deposit of $5.00 is required to open this account.

Minimum Balance Requirements: Interest is paid on balances of $.01 and more.

Additional RequirementsYou must have a bank checking or savings account to open Christmas Club Savings. Annual scheduled disbursements must be directly deposited into a designated bank checking or savings account.

Transaction LimitationsYou may make unlimited deposits into your account. No withdrawals are allowed from this account.

FeesA $10.00 fee will be charged if the account is closed before maturity.

For additional charges which may be applied to this account, please refer to the Other Fee Schedule section of this document.

Rate InformationThe interest rate for your account is 0.010% with an annual percentage yield of 0.01%.

Frequency Oof Rate ChangesAt the bank’s discretion, we may change the interest rate and annual percentage yield on this account at any time without prior notification to you.

Compounding and CreditingInterest will be credited to your account at maturity. Interest begins to accrue no later than the business day credit is received for the deposit of noncash items (for example, checks).

If the account is closed before interest is credited, all interest is forfeited.


Certificate Of DepositMinimum Opening Deposit: A minimum deposit of $1,000.00 is required to open this account.

Minimum Balance Requirements: A minimum daily balance of $1,000.00 must be maintained in the account each day to earn interest at the disclosed annual percentage yield.

Rate Information for MidSouth Bank-Acquired CD Accounts:The terms and conditions of your CD will remain in effect until the maturity date. Prior to maturity, you will receive a renewal notification, and you will be given the option to allow the CD to automatically renew at the same term at the standard rate or withdraw the funds and reinvest the balances as appropriate.



Other Fee ScheduleThe following fees may be assessed against your account:

ATM Foreign Transaction Charges

ATM Card or Check Card Replacement $5.00

Inquiries $2.00

Surcharge* Varies

Withdrawals and Transfers $2.00

Account Reopening Fee (subject to management approval)

$50.00

Account Reconcilement Fee (per hour) $25.00

Account Reconcilement Fee - Minimum Charge $12.50

Account Research Copy Fee $2.00

Account Research Fee (per hour) $25.00

Account Research Fee - Minimum Charge $12.50

Account Transfer Overdraft Protection Fee (per transfer) $10.00

Copy of Cancelled Check (per copy) $2.50

Copy of Statement $5.00

Levies/Garnishments $75.00

Overdraft Charge/Nonsufficient Funds Charge (each item)

$36.00

Sustained Overdraft Fee $36.00

Returned Deposit Item Fee (charge-back) $9.00

Stop Payment Fee $36.00

Incoming Wire Transfer Fee (customer) $20.00

Outgoing Overseas Wire Transfer Fee $45.00

Outgoing Wire Transfer Fee $20.00

Check printing charges will vary depending on the style of the check ordered.*There may be a surcharge at ATMs housed in locations not owned by the bank, such as hotels or casinos. A surcharge may apply at other network ATMs. A message will appear on the ATM screen to notify you if the surcharge applies.

On page 35 of the enclosed Deposit Agreement, in the section entitled “Currency Conversion and International Transactions,” the second paragraph is superseded and replaced in its entirety by the following paragraph:

Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.

Compounding and Crediting7–30 Day Term: You may choose to have your interest paid by check, credited to a bank checking or savings account, or compounded and credited at maturity. Interest begins to accrue the day the certificate receipt is dated.

31 Day–7 Year Term: If your balance is $5,000.00 or more, you may choose to have your interest compounded monthly, annually or at maturity, paid by check or credited to a bank checking or savings account monthly, quarterly, semi-annually or annually.

If your balance is less than $5,000.00, you may choose to have your interest compounded monthly, annually or at maturity, paid by check quarterly or credited to a bank checking or savings account monthly, quarterly, semi-annually or annually. Interest begins to accrue on the day the certificate receipt is dated.

Balance Computation MethodThe daily balance method is used to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Transaction LimitationsYou may not make additional deposits into this account. Withdrawals are subject to an early withdrawal penalty.

Early Withdrawal PenaltyA penalty may be imposed if you withdraw any of the deposited funds before the maturity date. The penalty will be calculated as indicated below.

Terms of CD Penalty

Less than 12 months 1% of the amount withdrawn

12 months or greater 2% of the amount withdrawn

The early withdrawal penalty assessed may not be less than seven (7) days’ interest.

Renewal PolicyThis account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to withdraw funds without penalty.

During the renewal period, should you decide to change your term, interest will accrue at the new rate and term on any funds from the original CD beginning on the date of the new CD receipt. The CD receipt will be dated as of the maturity date of the renewing CD.

Funds can be added only during the grace period on a renewing CD. Any funds added during the grace period will begin to accrue interest on the date the funds are received.


32

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income

• Credit history and credit scores

• Account balances and payment history

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

Privacy Policy (Rev 05/2018)

WHAT DOES HANCOCK WHITNEY CORPORATION DO WITH YOUR PERSONAL INFORMATION?

To limit our sharing: Call toll-free 888-416-4502. Our menu will prompt you through our choices.Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?: Call toll-free 888-416-4502 and press “0” to speak with a representative.

Why?

What?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Hancock Whitney Corporation (HWC) chooses to share; and whether you can limit this sharing.

How?

Reasons we can share your personal information Does HWC share? Can you limit this sharing?

For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes—to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes—information about your transactions and experiences Yes No

For our affiliates’ everyday business purposes—information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you No We don’t share.

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WHAT WE DO

How does Hancock Whitney Corporation protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We restrict access to confidential information to those employees who need to know such information to administer your account(s).

How does Hancock Whitney Corporation collect my personal information?

We collect your personal information, for example, when you:

• Open an account or apply for a loan

• Pay your bills or use your debit card

• Show your driver’s license

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes—information about your creditworthiness

• Affiliates from using your information to market to you

• Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account—unless you tell us otherwise.

WHO WE ARE

Who is providing this notice? Hancock Whitney Corporation and its affiliates as defined below.

DEFINITIONS

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include financial companies such as Hancock Whitney Bank and Hancock Whitney Investment Services, Inc.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Nonaffiliates we share with include companies such as direct marketing companies and check-printing companies.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include companies such as credit card companies and insurance companies.


How may we help you? Call us at 1-800-448-8812 or visit hancockwhitney.com/contact-us.You can also apply online for many of our products and services at hancockwhitney.com.

Proud to serve you.Humbled to be recognized for it.

Ranked among the top in the nation and winner of over 161 Greenwich Award designations including in 2018, 19 national and regional awards for middle market and small business banking excellence and best brand.

Ranked among the strongest financial institutions by BauerFinancial, Inc., for 30 years.

Best In-State Bank Best Out of State BankBest Mortgage Company Best Office Building - Hancock Whitney Center New Orleans CityBusiness

People’s Choice for Best Financial/Investment Planning Firm Sun Herald, Mississippi Gulf Coast

Best Bank / Financial Institution Gambit Magazine

Information as of JULY 2019.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender. All accounts and loans subject to credit approval. Terms and conditions apply. All products and services may not be available in all states. All products and services subject to change without notice. © 2019 Hancock Whitney Bank.

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