For Business

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

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 1 7/30/19 12:08 PM MELVILLE

EDISON

NASHVILLE

MELVILLE

EDISON

DALLAS

MARSHALL

SHREVEPORT LONGVIEW MONTGOMERY and TYLER JACKSON Specialty Services Locations NATCHITOCHES

COLLEGE STATION HATTIESBURG

MOBILE LAKE BATON ROUGE CONROE CHARLES BEAUMONT GULFPORT TALLAHASSEE

LAFAYETTE PENSACOLA JACKSONVILLE HOUSTON PANAMA CITY

NEW ORLEANS HOUMA

NASHVILLE

TAMPA 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.

DALLAS

MARSHALL

SHREVEPORT LONGVIEW MONTGOMERY TYLER JACKSON NATCHITOCHES

COLLEGE STATION Across theHATTIESBURG MOBILE LAKE BATON ROUGE CONROE CHARLES BEAUMONT GULFPORT TALLAHASSEE

LAFAYETTE PENSACOLA JACKSONVILLE HOUSTON Gulf South. PANAMA CITY HOUMA The Gulf South is built on close-knit communities and Today, we have locations along the Gulf Coast from hard work. Our story is one of dedication to our region’s to and we’re proud to bring our clients people, traditions and success. For over a hundred years, world-class financial services as well as a strong TAMPA we’ve helped our communities prosper and thrive as commitment to our local communities. That commitment, trusted, reliable business and community partners, along with our focus on personal service, has allowed us and helped countless clients achieve financial success. 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.

HONOR STRENGTH COMMITMENT TEAMWORK PERSONAL & INTEGRITY & STABILITY TO SERVICE RESPONSIBILITY

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 2 7/30/19 4:26 PM Committed to serving your business.

CHIP KNIGHT

We’ve always made it our mission to help our clients and their businesses succeed. It’s what drives the values that have made us such an integral part of the economic landscape of the Gulf South.

Our company’s values—honor and integrity, strength and stability, teamwork, personal responsibility and a commitment to customer service—are the foundation of everything we do. These timeless ideals are the reason we’ve been able to develop strong relationships with our business clients for over 100 years.

We understand that running a business is a process of continuous improvement, which is why we never rest in findingnew ways to serve you. That’s the basis of our 5-star service, and our promise to ensure you’re satisfiedwith every aspect of your experience with us.

We look forward to helping you meet both your personal and business financial goals.

“My business banker was extremely helpful as well as the rest of the staff. They made my experience in switching to Hancock Whitney a very pleasurable one. I look forward to doing more business in the future!”

Joe B., AL

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.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 1 7/31/19 12:04 PM Important Account Changes Getting To Know You We want you to experience a smooth transition with all of your accounts and services. To help you prepare, we have developed Enjoy your new checking and/or savings account this easy-to-follow transition guide with a quick overview of changes through December 31, 2019, with no monthly service that may affect your account. Please take a few minutes to review this important information. Remember, you can also check out our charges. During this time, we hope to learn more online transition guide at hancockwhitney.com/transition-guide about your financial needs and will work with you to or call us at 800-213-2265. ensure that you have the proper products and services to fit your relationship. After December 31, 2019, Your Accounts Careful consideration has gone into determining the accounts your accounts will be subject to all disclosed with the features and benefits that seem to best suit your needs. service charges. Information specific to your accounts is detailed in the letter included with this packet. Account Numbers Also, please review the enclosed Fee Schedule beginning on The vast majority of clients will not see any change to their account page 25, and the Deposit Agreement (which includes our Terms number(s). However, as with any transition, some duplication of & Conditions) so that you understand your and our respective account numbers will occur. You will be notified directly if your rights and obligations regarding your account(s). Please also account is affected. refer to the enclosed Addendum to Deposit Agreement Terms and Conditions effective April 13, 2019 insert. Enclosures may Checks and Deposit Tickets vary due to product type. You may continue to use your existing stock of MidSouth Bank checks and deposit slips. When you need to reorder, you can visit If, while reviewing this information, you find a solution that is a a local branch, order online, or call 800-355-8123. When it is time better fit for your unique needs, your banker will be happy to to reorder checks, you’ll need to notify outside check vendors of help you. your new bank routing number (see below). If you order checks through Hancock Whitney, we’ll take care of this automatically.

Online Transition Guide Money Market/Checking/Savings Rates Frequently asked questions, important dates and checklists We will continue to pay stated rates on most accounts are available at hancockwhitney.com/transition-guide. through 2019 (speak to your banker 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 Avoid Monthly Service Charges some cases, you may also want to consider placing deposits in Most of our clients don’t incur monthly service charges on their our promotional CDs or consider alternative investments in checking accounts. We offer several ways to avoid monthly service order to earn a higher yield. Discuss your options with your charges. Take a look at “Checking Accounts” beginning on page banker. 25 for additional details as well as hancockwhitney.com/small- business-checking.

Relationship Banking If 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 ask about our solutions to help you grow your business with special pricing available. Make sure you also ask about our personal checking account for business owners that includes no Hancock Whitney Bank, Member FDIC and Equal Housing Lender. monthly service charges.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 2 7/31/19 12:04 PM Treasury Services Activating Your New Visa® Treasury Services (cash management) offers online data, receivables, payments and fraud prevention solutions to keep your Debit And ATM Cards business running efficiently. Clients being transitioned to a treasury management product will be sent separate communications from Your new Visa Debit or ATM card as well as a new PIN will arrive Treasury Services. These products will include commercial online via mail in early September. Please follow the accompanying banking, remote deposit capture, positive pay, ACH origination, instructions to activate your new card. Additional card information ZBAs and sweeps. will be provided soon.

For Commercial Checking (Analyzed) clients, your commercial analysis fees will be waived through November 2019. Any charges Remember To Activate for the December 2019 account activity will be shown on your January 2020 end-of-month statement. Your Debit Card.

Statements 866-985-CARD (2273) Your finalstatement from MidSouth Bank will be produced 24 Hours a Day, 7 Days a Week 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 checking “I love this bank. I have received and money market accounts. Samples of our checking statements are available on our online transition guide at excellent service from everyone every hancockwhitney.com/transition-guide. time—in person and on the phone.” • Savings account statements are issued quarterly. However, Theresa H. if you have activity on your savings account (a transfer or ATM debit, etc.), you’ll receive a statement for the month the activity occurred. • If you currently receive a monthly loan billing statement, you will continue to receive one. The format will be slightly Overdraft Services different, but the content will remain the same. Your Bounce Protection Limit, if any, will be discontinued on the conversion date and will be replaced by Hancock Whitney’s • CD information will be provided to you in advance of the Standard Overdraft Services, in which we pay overdrafts at renewal date. our discretion. This means the dollar amount allowed for overdrafts on any given day may be more or less than the Funds Transfer Agreements Bounce Protection limit currently in place on your account. If you currently have a Funds Transfer Agreement (FTA) with MidSouth Bank, please contact your banker by December 19, Our Standard Overdraft Services automatically come with 2019 to update your Hancock Whitney FTA. After 90 days, your all business checking and money market accounts. MidSouth FTA will no longer be honored. 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-small-biz or refer to the enclosed Deposit Agreement.

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

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 3 8/1/19 11:22 AM Updates to Your Lending Introducing Your New Visa Relationship Business Credit Card

The terms and conditions of your loans and lines of credit will If you have a business credit card with MidSouth Bank, you should remain the same. After the conversion date, you will begin to have already received a communication detailing the next steps. receive statements and make payments to Hancock Whitney. Here are the highlights: However, the terms, interest rate, monthly payment and fees will • Your purchase APR will stay the same and if you are remain unchanged. currently enrolled in the MidSouth ScoreCard Rewards program your points will be converted over at their Payments current value. After the conversion date, you may use any of the following methods to make loan payments: • Look for your new credit card to arrive in mid-September. • Set up a transfer in Online Banking. • You can activate and begin using your Hancock Whitney credit card on September 21, 2019 following the closure • Visit us at any Hancock Whitney financial center and one of of the merger, currently anticipated to be effective at the our associates will be happy to process your loan payment. close of business on September 20, 2019. • Mail your payment to the address listed on your loan statement. • More details about your Visa Purchase Alerts and mobile • As with any transition, some clients’ automatic payment wallet options are on page 13. schedules may be affected. Clients affected will receive a separate letter with additional information. Our Team Is Ready Your Mortgage Over the next several weeks, mortgage clients may receive direct We have a team of associates ready to assist you through the communication regarding transfer details, automatic payment transition process—they’re in our financial centers and on the changes, and servicing updates. phones. Contact us at 800-213-2265, and we can walk you through your account questions, online banking inquiries, locations of Loans Secured by Real Estate convenient financial centers and much more. Over the next several weeks you may receive direct communication Hancock Whitney Contact Center Hours regarding transfer details, automatic payment changes, and servicing updates. Monday–Friday 7 AM – 7 PM CT Saturday 8 AM – 2 PM CT

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. “The loan officer was very nice and extremely Once you enroll in our information line, you can: understanding of what I needed. I was • Check account balances amazed at how efficient the process was.” • Review account activity Doris H. • 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

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 4 7/31/19 2:07 PM Access Your Money Online

Beginning 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. 1 2 3 4

Password Mobile Banking Administrators Password Security Your current user ID will Start by downloading the Can Log In You will be prompted remain the same and we’ll Hancock Whitney mobile app to hancockwhitney.com to create a permanent send you a temporary and use your online banking and enter your existing user password during your first password soon. Use your username and temporary ID. Some users will receive online banking session. temporary password when password to log in. advance instructions if their you log in to mobile or online user ID is not compatible banking for the first time. with our system.

5 6 7 8

Add Sub-Users Accept Terms & Review Your Enroll in Online While your MSBOnline Conditions Accounts Statements sub-users and entitlements You will be prompted to Closely look at your accounts Enroll in online statements were not converted, you can accept e-Consent, then for accuracy. You may need for each of your accounts. add them through the desktop Terms and Conditions will be to follow up with your banker Post conversion day, version of online banking at presented for acceptance. to link relationships and we will continue to add hancockwhitney.com. accounts not shown. up to 18 months of MSBOnline statements.

Mobile Check Deposit Text Banking Mobile Deposit enables you to deposit checks electronically by Text Banking will no longer be available. Download the simply taking a photo of the front and back of the check with your Hancock Whitney Mobile App, log in and set up My Balance in iPhone, Android or other smartphone or tablet using our mobile your settings to get your balances anytime without having to log in. banking app. 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, Business Bill Pay And Transfers including balance transfers, direct deposit, and balances. Payees and Payments set up in MidSouth Bank Bill Pay will transfer to online and mobile banking at hancockwhitney.com. Forgot Something? However, recurring and future-dated transfers will not convert, and View-only information including Online Statements for your you will have to schedule those after logging into online banking MidSouth Bank accounts will be available on MSBOnline Banking at Hancock Whitney. for 10 business days past the conversion date.

Financial Management Software Online Transition Guide Quicken and QuickBooks products are compatible with our Detailed information regarding setting up your Online Banking, online banking system. However, after enrolling in Online Banking Bill Pay and Mobile Banking services are available in our online at hancockwhitney.com, you will need to deactivate and then transition guide at hancockwhitney.com/transition-guide. reactivate your account connections.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender. 5

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 5 7/31/19 12:04 PM 78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 6 7/31/19 12:04 PM Products and Services Information Pages 8–23

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 7 7/31/19 12:04 PM We have you covered on every screen.

See it in action at hancockwhitney.com/biz-digital.

ACH Payroll Payments Authorize My Balances External Bank Mobile Check & Transfers Sub-Users Transfers Deposit

“The online banking keeps me in line! It is easy to use, yet secure.” Elaine R., AL

Apple, the Apple logo, iPhone, iPad and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple and the Apple logo are trademarks 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.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 8 7/31/19 12:04 PM The right checking options for your business to succeed.

We know that one size does not fit all. Your business requires a checking ESSENTIAL PREFERRED INTEREST account that can provide you with Well-suited for new and A feature-rich account A smart checking option other businesses with ideal for established and for businesses with flexibility your business demands. few monthly transactions growing businesses with higher account balances and lower balances. moderate activity and that can earn interest. higher balances.

Online banking with free bill pay Mobile banking and mobile check deposit1

Debit card with Visa SavingsEdge® discounts2

Online statements

Link your Business Checking with the Preferred Money Market to earn premium rates with qualifying activity3

Online Direct Deposit payroll4

Grant levels of online access to key users— and your CPA—and monitor activity

Personal account for the business owner with no monthly service charge

Up to 750 monthly items included5

Elevated call priority

Ask about our funding solutions to grow your business. Special relationship pricing available.

1 Check with your mobile provider regarding message, data rates and usage charges debit or credit transactions in the statement cycle. If you do not have one of the eligible that may apply. business checking account types or if your linked business checking account does not meet the minimum number of transactions, your Preferred Money Market Account will earn the 2 Discounts are provided in the form of credits posted to the cardholder’s applicable Visa® default interest rate and annual percentage yield (APY). See a banker or refer to the Business Business Debit Card account. Please visit www.visasavingsedge.com for complete details on Services Information Disclosure provided at account opening for full details. the program, including terms and conditions. 4 Subject to application and credit approval. Additional fees apply. See a banker for details. 3 Eligible business checking accounts are limited to Preferred Business, Essential Business, Interest Business or Commercial Checking accounts that have a minimum of 5 client-initiated 5 Additional items will incur fees. See a banker for details.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 9 7/31/19 12:04 PM Exceptional business checking with convenience & security.

Visa® Purchase Alerts1 Overdraft Protection

When it comes to security, vigilance is key. It happens. Sometimes while taking care of business, Visa Purchase Alerts can keep you in the loop you lose sight of how much money is in your account on suspicious debit or credit card transactions and experience an overdraft. with text and email alerts. It’s quick, customizable and free (message and data rates may apply). We offer options that provide peace of mind in protecting your finances like linking your checking account to another deposit account or business line Mobile Wallet Options of credit that aid in managing the occasional overdraft.

Add 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.

1 Some transactions may be routed through non-Visa networks. Transactions routed through Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. non-Visa networks will not trigger a purchase alert. Actual time to receive Visa Purchase Apple Pay is a trademark of Apple, Inc. Google, Google Pay and Chrome are trademarks Alerts is dependent on when the merchant submits the charge, wireless service and coverage of Google Inc. Samsung and Samsung Pay are trademarks or registered trademarks of within area. Alerts service may not be available in all areas. Message and data rates may Samsung Electronics Co., Ltd. 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.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 10 7/31/19 12:04 PM Get the funding your business needs to succeed.

Whether you’re increasing your inventory or expanding your business, a business loan can be the lifeblood of your business. We offer growing businesses a variety of flexible financial alternatives tailored to meet their unique borrowing needs.

Lines of Credit

Business Line of Credit Access cash to fund new ideas, bridge gaps in cash flow and cover unexpected expenses with the option to be secured by your home. • Five-year draw period with a 15-year repayment period for equity line of credit secured by your home

Loans

Construction Loans Designed to help you acquire land, construct owner-occupied buildings or invest in property. • Interest-only payments during the construction phase • Drawing of the funds based on the phases of the project

Business Term Loans Leverage assets to finance long-term needs, such as equipment or expansion plans. • Fixed-rate term loan We’re ready to help you navigate • Competitive terms the SBA loan process.

As a Small Business Administration Express Lender and participant in the Preferred Lender Program, we can provide expedited loan decisions, flexible terms, low down payment options and more.

All loans are subject to credit approval. Terms, conditions and restrictions apply. All products may not be available in all states. Please see a banker for details.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 11 7/31/19 12:04 PM Today’s savings. Tomorrow’s investments.

Is there anything more fun than watching your money grow? We don’t think so. Hancock Whitney has savings options that can make your money work as hard as you do.

NEW

Business Savings1 Commercial Money Market1 Preferred Money Market2

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

Monthly Service Charge $3 $10 $25

Minimum Daily Balance to $200 $2,500 $25,000 Waive Service Charge

Minimum Daily Collected All balances $2,500 $25,000 Balance to Earn Interest

Online Banking Access

Telephone Banking

3 free withdrawals per month, 6 free withdrawals per month, 6 free withdrawals per month, Withdrawals1 otherwise $3 otherwise $15 otherwise $15

We also offer Certificatesof Deposit, which can help you Your qualifying business checking activity save for short-term and long-term goals with guaranteed earns the premium rate for this account. fixed terms. They are available in a variety of term lengths and are a risk-free investment option for funds you won’t need Get rewarded for your checking relationship access to immediately. See a banker for details. with fair market rates on your money market account that will keep pace with the market.2

1 Federal banking regulations restrict the number of withdrawals and transfers that can be transactions in the statement cycle. If you do not have one of the eligible business checking made on savings and money market accounts to six. account types or if your linked business checking account does not meet the minimum number of transactions, your Preferred Money Market Account will earn the default interest rate and 2 Opening a Preferred Money Market Account requires an eligible business checking account annual percentage yield (APY). See a banker or refer to the Business Services Information which are limited to Preferred Business, Essential Business, Interest Business or Commercial Disclosure provided at account opening for full details. Checking checking accounts that have a minimum of 5 client-initiated debit or credit

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 12 7/31/19 12:04 PM Business Savings1 Commercial Money Market1 Preferred Money Market2

Minimum Deposit to Open $100 $2,500 $100 Manage your Monthly Service Charge $3 $10 $25 cash flow all Minimum Daily Balance to $200 $2,500 $25,000 Waive Service Charge in one place. Minimum Daily Collected All balances $2,500 $25,000 Balance to Earn Interest Visa® Points Plus With either card, you can: Online Banking Access Business Credit Card KEEP YOUR MONEY SECURE Feel confident with multiple security features3 designed to • Earn reward points on everyday purchases1 keep your business protected. Telephone Banking • 1% cash back1 IMPROVE YOUR CASH FLOW Payments due 25 days after the end of the billing cycle. 3 free withdrawals per month, 6 free withdrawals per month, 6 free withdrawals per month, Withdrawals1 otherwise $3 otherwise $15 otherwise $15 ® 4 Visa Business Credit Card SAVE ON BUSINESS PURCHASES Automatic discounts of up to 15% on qualifying purchases ® • Competitive rate at participating merchants with Visa SavingsEdge .

2 • No annual fee Convenient mobile wallet options:

1 Everyday purchases must be eligible credit card transactions. For details on eligible credit 4 Discounts are provided in the form of credits posted to the cardholder’s applicable Visa® card transactions to earn rewards points, and details on the rewards points program in Business Credit Card account. Please visit visasavingsedge.com for complete details on the general, including the 1% cash back reward, go to hancockwhitney.com/pointsplus. program, including terms and conditions. 2 The APR for the Points Plus Business Credit Card and the Business Credit Card varies based All Hancock Whitney Visa® Cards are issued by Hancock Whitney Bank. on an Index. The Index is U.S. Prime Rate, as designated in the “Money The Wall Street Journal All accounts and loans subject to credit approval. Terms and conditions apply. Rates” section of The Wall Street Journal. The APR for the Points Plus Business Credit Card is U.S. Prime Rate + 8.25% and for the Business Credit Card is U.S. Prime Rate + 6.65%. As of Apple is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Pay is 7/15/2019, the APR for the Points Plus Business Credit Card is 13.75% and the APR for the a trademark of Apple, Inc. Google, Google Pay and Chrome are trademarks of Google Inc. Visa Business Credit Card is 12.15%. This APR may change according to the current Prime Samsung and Samsung Pay are trademarks or registered trademarks of Rate. The Visa Points Plus Business Credit Card $12 annual fee is waived the first year. Samsung Electronics Co., Ltd. 3 For information on security features including terms and conditions, go to hancockwhitney.com/business-credit-cards. 13

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 13 7/31/19 12:04 PM Keep your business running smoothly— and your customers happy.

Merchant Services offers a rare combination of security, flexibility and customizability.

Security & Compliance • Safeguard against data breaches and cybercrime • Encryption and more to protect customers’ card data • Minimize risk and simplify the annual PCI (Payment Card Industry) Data Security Standards audit process

AccessOne • Manage your processing data in one consolidated view • Comprehensive reporting tools • Flexible data management option

eCommerce • Tools to set up your own online store • Mobile-ready checkout • Global payment options • Comprehensive security Get an inside look at Gift Cards • Offer customized gift cards and how gift cards can help manage a digital gift program build your business. • Comprehensive reporting • Ability to convert existing program With billions spent annually on gift cards, they’re a valuable tool, especially for small businesses. Read Loyalty Programs our Insights Blog entry, “Why you should start a gift • Choose points-based system card program for your small business” to get the full • Create different levels story: hancockwhitney.com/GiftCardInsights. • Send special offers to customers’ mobile phones in real time

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 14 7/31/19 12:04 PM Payment processing you know you can trust.

Whether you operate over the counter or on the go, Clover can provide you with the payment processing solutions and advanced inventory technology you need to grow, no matter what size business you operate.

Each Clover product: A perfect option for

• Accepts credit and debit cards, including every business: EMV® chip and contactless cards. Clover Station • Includes instant access to powerful software that helps you understand • All-in-one full featured, stationary POS system your customers and your business • Optional cash drawer and receipt printers • Hundreds of Clover business apps • 14-inch HD touch screen display • Features a sleek design • WiFi and Ethernet and flexible platform • Fingerprint sign-in • Easy installation and setup Clover Mini

® • Compact, stationary full featured POS system Clover Insights mean • 7-inch HD touch screen display more opportunity • WiFi, LTE and Ethernet and more sales • Built in receipt printer and barcode scanner

Our robust web-based tools help you to better Clover Flex manage your card-processing business. • Multi-purpose, all in one POS system

• Easy-to-read transaction information • 5-inch touch screen and robust sales analytics • WiFi and LTE connectivity options • Track business trends and get • Built in receipt printer, camera/barcode scanner snapshots on your mobile device • Compare sales to competition Clover Go • Track customers’ spending behavior • Mobile POS payment acceptance app for iOS or Android • Connects wirelessly to your smartphone • Fingerprint and Face ID (iOS) sign in • Paperless receipts via email and text

The Clover trademark and logo are owned by Clover Network, Inc., a First Data company.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 15 7/31/19 12:04 PM 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.

Official Bank of New Orleans Saints and New Orleans Pelicans. Splash Bash for Aquarium.

Hancock Whitney continues long-standing partnership with the Pensacola Wahoos

Relay for Life Fundraising in Home renovation project for Rebuilding Together Houston.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 16 7/31/19 12:04 PM Hancock Whitney’s River Oaks Financial Center relocated to the centrally Hancock Whitney Perseverance Oaks is a multi-year, multi- located Kirby Center in Houston, Texas. faceted commitment to help replenish local landscapes scarred by major storms with offspring of landmark and other live oaks.

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

Hancock Whitney Broadway in New Orleans. Hancock Whitney joins Tiger Nation as Official Bank of LSU Athletics.

After the winds and water of Hurricane Michael subsided, we contributed $200,000 Hancock Whitney associates give back generously and to establish Hurricane Michael relief accounts at Hancock Whitney. We were also the passionately on their own time to community initiatives and first in the area to open financial centers—just 38 hours after landfall. organizations sharing our core values. Learn more at hancockwhitney.com/our-community-commitment.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 17 7/31/19 12:04 PM 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 Accessible 24 hours a day, seven days a week, Financial Cents online and in-person financial education program which offers online playlists featuring lessons on important money supports our lifelong learning philosophy—providing management topics such as mortgages, overdrafts, credit scores, people the right information at the right times in their financing higher education and much more. lives to nurture their financial success. Discover this free resource at hancockwhitney.com/financial-education.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 18 7/31/19 12:04 PM • Discover how a shared culture of innovation Insights to help helped us partner with Baton Rouge Medical Center to build a smarter payment system. your business. • Find out how we’re helping businesses like DEEP Brewing Co. and Liberty Bar & Restaurant shape the future of Tallahassee. True to our mission, our insights help • Learn about our secret sauce for helping The real businesses like yours. And that’s Company Burger, a hip restaurant in New Orleans, find the right ingredients for financial success. exactly what you’ll find when you • You’ll also find helpful tips for increasing your sales subscribe to our Insights Blog. online, promoting your business on social media and even what to look for when hiring new employees.

Visit us at hancockwhitney.com/insights for more advice from our team of trusted bankers and a host of other insightful information.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 19 7/31/19 12:04 PM Objective Financial planning is especially important for business owners, which is why our investment advice Hancock Whitney Investment Services for business professionals take the time to get to know your needs, goals and dreams before owners. helping you achieve them. Here’s an overview of our most popular services.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 20 7/31/19 12:04 PM Investment Review Full Range of & Risk Analysis Investment Offerings

To determine whether you are on track to realizing your goals We offer a range of investments—and insurance products— and dreams, our team will review your investments and designed to meet your needs and help you achieve your goals. insurance coverage to help you identify hidden risks. Investments Financial Planning • Stocks • Bonds The right plan can help decrease the distance to your goals. Our • Mutual Funds team of financial advisors and planners is ready to craft a financial • Investment Management Accounts plan to help you to get to your dreams sooner. • Exchange-traded Funds (ETFs) • Unit Investment Trusts (UITs) Professionally Managed Business Insurance Accounts • Group Life Insurance

With a managed account, your financial advisor will create a • Key Employee Life Insurance diversified portfolio that is based on your investment objectives • Buy/Sell Agreement Life Insurance and risk tolerance. Personal Insurance Retirement Planning • Term Life Insurance • Whole Life Insurance If providing your employees with a retirement plan is your goal, • Universal Life Insurance our financial advisors will work with you to develop an investment • Long-term Care Insurance strategy that makes it possible. Whether you’re interested in providing a 401(k), simple IRA or other business retirement plan, • Single-premium Wealth Transfer Insurance we are here to help. Annuities • Fixed Annuities Insurance • Indexed Annuities • Variable Annuities Our fully licensed team can help you and your employees identify the life insurance policies that can help protect you and your Business Retirement Plans business interests. • Simplified Employee Pension Plan, or SEP-IRA • Savings Incentive Match Plan for Employees – SIMPLE IRA • Savings Incentive Match Plan for Employees – SIMPLE 401(k) • One-participant or solo 401(k) plan Investments and Insurance Products are offered through Hancock Whitney Investment Services, Inc. Hancock Whitney Investment and Insurance Products: Investment Services Inc. is a registered broker/dealer, member FINRA/SIPC and a SEC Registered Investment Adviser. NO BANK NOT A MAY LOSE NOT FDIC Hancock Whitney Investment Services, Inc. is a wholly owned GUARANTEE DEPOSIT VALUE INSURED subsidiary of Hancock Whitney Corporation. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 21 7/31/19 12:04 PM Kings of the grill: Making BBQ dreams a reality.

Friends since the fifth grade, Philip Moseley and Ronnie Evans Through a number of stalled financing conversations, the were dreaming up their plan to be restaurateurs while most high pair persevered. Then, a chance interaction with a Hancock school students were more interested in finding out the latest Whitney banker at a local small business seminar ignited music video to top Total Request Live. the fire.“Brittany saw something in us and believed in our product as much as we did,” describes Philip. Fast-forward a decade and that dream is now reality in the form of Blue Oak BBQ, one of Mid-City New Orleans’ trendiest eateries. Taking the risk to stand on their own has paid off. Blue Oak went from operating a 120-square-foot kitchen, serving 40 to After learning the art of barbecue in , Philip and Ronnie 50 customers a night as a pop-up to serving 700 daily at their returned home to New Orleans with one goal in mind – figure 9000-square-foot Mid City location. out how to take their beloved activity and turn it into a profitable business and career. “We knew the nine to five grind wasn’t With growing crowds lined up for their food and the addition for us,” says Philip. of more than 40 employees to the Blue Oak family, Philip and Ronnie still rely on Hancock Whitney to help solve new challenges. The start of their entrepreneurial endeavor began by hosting “Hancock Whitney is on speed dial. Anytime a new question tailgate barbecues for friends and family. After positive reviews, arises, our banker is great in giving the overall perspective of how the duo jumped at the opportunity to serve their creations as a Hancock Whitney can help us grow and achieve our dreams,” pop-up at a local New Orleans bar, then out of the kitchen of says Philip. a live music venue. While operating out of other businesses’ kitchens brought notoriety to the Blue Oak name, the pit masters The pair, who have their hands full with the current operation but wanted more. are always on the lookout for the next opportunity, attribute part of their success to Hancock Whitney. “Without Hancock Whitney, “We developed a concept for the Blue Oak BBQ restaurant and we their support and the loans they were able to provide, I don’t think really believed we were positioned for success,” Ronnie explains. we would be here cooking food, making customers happy, and doing what we love,” says Ronnie. The move to a stand-alone enterprise meant establishing a significant banking relationship. “The kind of investment we would For more stories about clients like Philip and Ronnie, visit: be making in equipment, real estate, and people was significant,” hancockwhitney.com/insights. Philip says. “But, we knew securing financing wouldn’t be easy as we were young entrepreneurs,” he continues.

“Hancock Whitney is on speed dial. Anytime a new question arises, our banker is great in giving the overall perspective of how Hancock Whitney can help us grow and achieve our dreams.” Philip Mosely, Partner, Blue Oak BBQ

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 23 7/31/19 12:05 PM Fee Schedule Pages 25–32

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 24 7/31/19 12:05 PM Checking Accounts

Preferred Business Checking Essential Business Checking Minimum Deposit Required to Open $50.00 Minimum Deposit Required to Open $50.00 Monthly Maintenance Fee Monthly Maintenance Fee If no relationship requirements are met for the month: per month $15.00 There is no monthly fee assessed against this account. per month $0.00 Relationship Waiver Options: Item Fees • If minimum daily balance for the month Items counted include: Combined Checks, Debits, Credits, Deposit Tickets, is $5,000.00 or more per month $0.00 Deposited Items, ACH Debits, ACH Credits, and any other customer-initiated items, including Bill Pay, Mobile Pay, and Online Banking assisted items. • or, if combined deposit and loan balances for the month are $25,000.00 or more per month $0.00 First 100 items per month $0.00 • or, if active Merchant Services account for month per month $0.00 Each additional item over 100 per item, each $0.50 • or, if monthly Business Credit Card spending Deposited Cash Fees—Combined Coin & Currency of $2,000 or more per month $0.00 First $5,000 per month $0.00 Item Fees Additional cash deposited over $5,000 per $100 $0.15 Items counted include: Combined Checks, Debits, Credits, Deposit Tickets, Statement Type Deposited Items, ACH Debits, ACH Credits, and any other customer-initiated E-statement per month $0.00 items, including Bill Pay, Mobile Pay, and Online Banking assisted items. Image Statement per month $3.00 First 750 items per month $0.00 Dormant Fee Each additional item over 750 per item, each $0.50 No Dormant fee will be assessed on accounts opened Deposited Cash Fees—Combined Coin & Currency in the state of Texas. per month $15.00 First $40,000 per month $0.00 Early Closing Fee Additional cash deposited over $40,000 per $100 $0.15 An Early Closing Fee will be charged if this account is Statement Type closed within the first 360 days, regardless of balance. at closing $20.00 Image $0.00 Online Banking per month $0.00 Dormant Fee per month $0.00 Basic Business Bill Pay per month $0.00 Early Closing Fee Bill Pay items unlimited $0.00 An Early Closing Fee will be charged if this account is closed within the first 360 days, regardless of balance. at closing $20.00 Other Fees or Charges Online Banking For additional fees which may apply to this account, please refer Business Bill Pay per month $0.00 to the Miscellaneous Fees section of this disclosure document. Bill Pay items unlimited $0.00 Sub-Users • First 2 users $0.00 • Each additional $5.00 Automatic Funds Transfer Services Direct Deposit of Payroll per month $9.95 Payroll Transactions • First 25 $0.00 • Each additional $1.00

Other Fees or Charges For additional fees which may apply to this account, please refer to the Miscellaneous Fees section of this disclosure document.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender. 25

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 25 7/31/19 12:05 PM Interest Business Checking Minimum Deposit Required to Open $50.00 Frequency of Rate Changes Monthly Maintenance Fee Rates and Annual Percentage Yield (APY) are variable and If no relationship requirements are met for the month: per month $25.00 subject to change at the bank’s discretion without notice and are Relationship Waiver Options: available upon request. Contact your Hancock Whitney banker • If minimum daily balance for the month for more information. is $25,000.00 or more per month $0.00 • or, if combined deposit and loan balances The daily balance method is used to calculate the interest on the for the month are $50,000.00 or more per month $0.00 account. This method applies a daily periodic rate to the collected Item Fees balance on the account each day. Items counted include: Combined Checks, Debits, Credits, Deposit Tickets, Deposited Items, ACH Debits, ACH Credits, and any other customer-initiated items, including Bill Pay, Mobile Pay, and Online Banking assisted items. Online Banking Business Bill Pay per month $0.00 First 500 items per month $0.00 Bill Pay items unlimited $0.00 Each additional item over 500 per item, each $0.50 Sub-Users Deposited Cash Fees—Combined Coin & Currency • First 2 users $0.00 First $20,000 per month $0.00 • Each additional $5.00 Additional cash deposited over $20,000 per $100 $0.15 Statement Type Image $0.00 Automatic Funds Transfer Services Direct Deposit of Payroll per month $9.95 Dormant Fee per month $0.00 Early Closing Fee Payroll Transactions An Early Closing Fee will be charged if this account is • First 25 $0.00 closed within the first 360 days, regardless of balance. at closing $20.00 • Each additional $1.00 Interest Compounding And Crediting 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 Other Fees or Charges the deposit of non-cash items (for example, checks). If the account is closed For additional fees which may apply to this account, please refer before interest has been credited, all accrued interest will be paid to the to the Miscellaneous Fees section of this disclosure document. customer.

Rate Information Interest rates and annual percentage yields are based on the following tiers:

DAILY COLLECTED BALANCE $0.01–$999.99 $1,000–$74,999.99 $75,000+

Contact your Hancock Whitney banker for specific interest rates and Annual Percentage Yields for this account.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 26 7/31/19 12:05 PM Commercial Checking (Analyzed) Minimum Deposit Required to Open $100.00 Monthly Maintenance Fee per month $22.00 Item Fees Checks and Debits Paid each $0.20 ACH Debits and Credits Received each $0.18 On-Us Items Deposited each $0.11 Other Items Deposited each $0.13 Deposits each $0.80 Deposit Correction Fee per deposit $7.50 Deposited Cash Fees—Combined Coin & Currency per $1,000 $1.50

Earnings Credit Rate An earnings credit may be used to reduce monthly maintenance and transaction fees. This is calculated by applying an Earnings Credit Rate to your average available balance. This rate is subject to change monthly based on market conditions. Rates are available upon request.

Negative Collected Balance If an account has a negative collected balance for one or more days during the cycle, an uncollected funds charge (Bank Prime +3%) will be charged on the negative collected balance.

Supervision and Assessments Fee This monthly fee offsets expenses incurred in providing depository services for an analyzed checking account. This fee is calculated on a per $1,000 average ledger balance for each analysis account. The supervision and assessments fee is variable and subject to change. This fee is included in our analysis fees and will be disclosed on your account analysis statement. Rates are available upon request.

Statement Type Image per month $0.00 Analysis, mailed per month $8.00 Dormant Fee per month $0.00 Early Closing Fee An Early Closing Fee will be charged if this account is closed within the first 180 days, regardless of balance. at closing $20.00 Deposit Account Control Agreement (DACA) Monthly Maintenance Fee per account $200.00

Other Fees or Charges For additional fees which may apply to this account, please refer to the Miscellaneous Fees section of this disclosure document.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender. 27

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 27 7/31/19 12:05 PM Business Interest Checking Minimum Deposit Required to Open $1,500.00 Frequency of Rate Changes Minimum Daily Collected Balance Required to Earn Interest $1,000 Rates and Annual Percentage Yield (APY) are variable and subject Monthly Maintenance Fee to change at the bank’s discretion without notice and are available If minimum daily balance is $5,000.00 or more per month $0.00 upon request. Contact your banker for more information. If minimum daily balance is less than $5,000.00 at any time during the month per month $12.00 Balance Computation Method Item Fees The daily balance method is used to calculate the interest on the Items counted include: Checks, Debits, Credits, Deposit Tickets, Deposited account. This method applies a daily periodic rate to the collected Items (checks deposited), ACH Debits and ACH Credits balance on the account each day. First 75 items $0.00 Each additional item over 75 per item, each $0.40 Online Banking Cash Fees Business Bill Pay per month $0.00 Combined Coin & Currency first $10,000.00 $0.00 • Business Bill Pay items first 25 $0.00 Additional Cash Deposited over $10,000.00 per $100 $0.13 • Each Additional over 25 per item $0.40 Statement Type Sub-Users Image $0.00 • Each Additional over 2 per user $5.00 Dormant Fee per month $0.00 Automatic Funds Transfer Services Interest Compounding and Crediting • Direct Deposit of Payroll—up to 25 transactions per month $9.95 • Each Additional over 25 per item $1.00 Interest will be compounded and credited to the account on • Automatic Tax Payments—unlimited per month $9.95 a monthly basis. Interest begins to accrue no later than the business day credit is received for the deposit of non-cash items Other Fees or Charges (for example, checks). If the account is closed before interest has For additional fees which may apply to this account, please refer been credited, all accrued interest will be paid to the customer. to the Miscellaneous Fee section of this disclosure document. Rate Information Interest rates and annual percentage yields are based on the following tiers:

DAILY COLLECTED BALANCE $0–$999.99 $100,000–$499,999.99 $1,000–$9,999.99 $500,000–$999,999.99 $10,000–$49,999.99 $1,000,000+ $50,000–$99,999,99

Contact your banker for specific interest rates and Annual Percentage Yields for this account.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 28 7/31/19 12:05 PM Interest on Lawyer’s Trust Account (IOLTA)

Eligibility Requirements Rate Information Interest is remitted to state bar associations and foundations per Interest rates and annual percentage yields are based on the state bar regulations. Any extra fees incurred for transactions on following tiers: these accounts (for example, wire fees and cash management fees) will be charged directly to the attorney and will not be taken DAILY COLLECTED BALANCE from interest earned in this account or charged to this account. $0–$7,499.99 $100,000–$499,999.99 $7,500–$24,999.99 $500,000–$749,999.99 $25,000–$49,999.99 $750,000+ Minimum Deposit Required to Open $100.00 $50,000–$99,999,99 Minimum Daily Collected Balance Required to Earn Income $1.00 Monthly Maintenance Fee per month $0.00 Contact your banker for specific interest rates and Annual Item Fees Percentage Yields for this account. Items counted include: Combined Checks, Debits, Credits, Deposit Tickets, Deposited Items, ACH Debits, ACH Credits, and any other customer-initiated items, including Bill Pay, Mobile Pay, and Online Banking assisted items. Frequency of Rate Changes No limits per month $0.00 Rates and Annual Percentage Yield (APY) are variable and subject Deposited Cash Fees—Combined Coin & Currency per month $0.00 to change at the bank’s discretion without notice and are available upon request. Contact your banker for more information. Not to be used as a cash depository and cash withdrawal transaction account. State bar regulations apply. Statement Type Balance Computation Method Image $0.00 The daily balance method is used to calculate the interest on the Dormant Fee per month $0.00 account. This method applies a daily periodic rate to the collected Early Closing Fee balance on the account each day. An Early Closing Fee will be charged if this account is closed within the first 360 days, regardless of balance. at closing $20.00 Other Fees or Charges For additional fees which may apply to this account, please refer Interest Compounding and Crediting to the Miscellaneous Fees section of this disclosure document. 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 non-cash items (for example, checks). If the account is closed before interest has been credited, all accrued interest will be paid to the customer.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 29 7/31/19 12:05 PM Savings And Money Market Accounts

Business Savings Interest Compounding and Crediting Minimum Deposit Required to Open $100.00 Interest will be compounded and credited to the account on Monthly Maintenance Fee a quarterly basis. Interest begins to accrue no later than the If minimum daily balance for the month is business day credit is received for the deposit of non-cash items $200.00 or more per month $0.00 (for example, checks). If the account is closed before interest has If minimum daily balance is less than $200.00 been credited, all accrued interest will be paid to the customer. at any time during the month per month $3.00 Rate Information Transaction Limitations Contact your banker for specific interest rates and Annual Federal banking regulations restrict the number of withdrawals Percentage Yields for this account. and transfers that can be made per month. During any calendar month, you may make up to six (6) of any combination of the Frequency of Rate Changes following types of withdrawals or transfers. Hancock Whitney Bank may change the interest rate and Annual • Withdrawals or transfers made between your other Percentage Yield on this account at any time without prior Hancock Whitney Bank accounts made by preauthorized notification to the customer. or automatic transfer by telephone, fax or Internet banking. Balance Computation Method • Withdrawals or transfers to a third party made by The daily balance method is used to calculate the interest on the preauthorized transfer (including ACH debits) or account. This method applies a daily periodic rate to the collected automatic transfer by telephone, fax or Internet banking, balance on the account each day. or by check, draft, debit card or similar order.

If you should exceed this limit on more than an occasional basis, Other Fees or Charges we are required to convert your account to one with no transaction For additional fees which may apply to this account, please refer limits. Should this be necessary, you will be notified prior to the to the Miscellaneous Fee section of this disclosure document. change.

You may make an unlimited number of transfers between or withdrawals from your other Hancock Whitney 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.

Excessive Withdrawal Fee Three (3) or fewer withdrawals per month per withdrawal $0.00 More than three (3) withdrawals per month per withdrawal $3.00 Dormant Fee per month $0.00 Early Closing Fee An Early Closing Fee will be charged if this account is closed within the first 180 days, regardless of balance. at closing $20.00

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 30 7/31/19 12:05 PM Commercial Money Market Account Minimum Deposit Required to Open $2,500.00 Interest Compounding and Crediting Minimum Daily Collected Balance Required to Earn Interest $2,500.00 Interest will be compounded and credited to the account on Monthly Maintenance Fee a monthly basis. Interest begins to accrue no later than the If minimum daily balance for the month is business day credit is received for the deposit of non-cash items $2,500.00 or more per month $0.00 (for example, checks). If the account is closed before interest has If minimum daily balance is less than been credited, all accrued interest will be paid to the customer. $2,500.00 at any time during the month per month $10.00 Deposited Item Fees Rate Information Items counted include: Combined Credits, Deposit Tickets, Deposited Items (checks deposited), and ACH Credits. Interest rates and annual percentage yields are based on the First 100 items per month $0.00 following tiers: Each additional item over 100 per item, each $0.50 DAILY COLLECTED BALANCE $0–$2,499.99 Transaction Limitations $2,500–$9,999.99 Federal banking regulations restrict the number of withdrawals $10,000–$74,999.99 and transfers that can be made per month. During any calendar $75,000–$249,999.99 month, you may make up to six (6) of any combination of the $250,000+ following types of withdrawals or transfers. • Withdrawals or transfers made between your other Contact your banker for specific interest rates and Annual Hancock Whitney Bank accounts made by preauthorized Percentage Yields for this account. or automatic transfer by telephone, fax or Internet banking. Frequency of Rate Changes • Withdrawals or transfers to a third party made by Rates and Annual Percentage Yield (APY) are variable and subject preauthorized transfer (including ACH debits) or to change at the bank’s discretion without notice and are available automatic transfer by telephone, fax or Internet banking, upon request. Contact your banker for more information. or by check, draft, debit card or similar order.

If you should exceed this limit on more than an occasional basis, Balance Computation Method The daily balance method is used to calculate the interest on the we are required to convert your account to one with no transaction account. This method applies a daily periodic rate to the collected limits. Should this be necessary, you will be notified prior to the balance on the account each day. change.

You may make an unlimited number of transfers between or Other Fees or Charges withdrawals from your other Hancock Whitney Bank accounts if For additional fees which may apply to this account, please refer made in person, by ATM, mail or messenger or for the purpose of to the Miscellaneous Fees section of this disclosure document. repaying loans at the same bank. You may also make unlimited deposits into this account.

Excessive Withdrawal Fee Six (6) or fewer withdrawals per month per withdrawal $0.00 More than six (6) withdrawals per month per withdrawal $15.00 Dormant Fee per month $0.00 Early Closing Fee An Early Closing Fee will be charged if this account is closed within the first 180 days, regardless of balance. at closing $20.00 Statement Type Image per month $0.00

Hancock Whitney Bank, Member FDIC and Equal Housing Lender. 31

78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 31 7/31/19 12:05 PM Treasury Services

Please consult a Hancock Whitney sales specialist for assistance Safe Deposit Box with Treasury Services. A Hancock Whitney Treasury Services Late Payment Fee each $10.00 representative will disclose any activity charges and fees that Replacement Key Fee each $25.00 may apply. Fees for Treasury Services, including online services, Drilling Fee each $120.00 are assessed separate and independent of the fees listed herein. Stop Payment Fee each $36.00 Sustained Overdraft Fee each $36.00 Vault Services (Armored Car) Miscellaneous Fees Vault Deposit each $1.50 Vault Deposit Adjustment each $6.00 The following fees may be assessed against your account. Unless Vault Cash Deposited – Coin & Currency per $1,000 $1.40 specified, transaction and miscellaneous fees apply regardless Vault Bulk Coin – Fed-Standard Bag each $5.00 of balance. Vault Bulk Coin – Non-Standard Bag each $7.00 Vault Change Order – Standard (repetitive) each $5.00 Account Reconcilement Fee Vault Change Order – Non-Standard (non-repetitive) each $7.00 Minimum Charge $12.50 Vault Change Order – Late Order each $30.00 per hour $25.00 Vault Coin Provided – Full Roll per roll $0.10 Account Research Fee Vault Currency Provided – Full Strap per strap $0.60 Minimum Charge $12.50 Vault Currency Provided – Partial Strap per bill $0.02 per hour $25.00 Vault Mixed Deposit – Cash & Checks in single deposit each $2.00 Account Research Copy Fee each $2.50 Vault Envelope Deposit each $1.00 Account Transfer Overdraft Protection Fee Vault Deposit Statement – Faxback Report each $25.00 (per transfer—assessed to the protected account) each $10.00 Wire Transfer—Customer Only ATM Foreign Transaction Charges* Incoming Domestic each $20.00 Withdrawals & Transfers each $2.00 Incoming International each $20.00 Inquiries each $2.00 Outgoing Domestic each $20.00 Surcharge each Varies Outgoing International each $45.00 Cancelled Check Copy each $2.50 On page 35 of the enclosed Deposit Agreement, in the section entitled “Currency Conversion and Cash Services (Financial Center) International Transactions,” the second paragraph is superseded and replaced in its entirety Change Orders per order $5.00 by the following paragraph: Visa USA charges us a 1% International Service Assessment on all • Plus Coin Furnished per roll $0.10 international transactions regardless of whether there is a currency conversion. We pass this • Plus Currency Furnished per strap $0.50 international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA. Check Order and Printing** each Varies *There may be a surcharge at ATMs housed in locations not owned by Hancock Whitney Bank, Collection Items such as hotels, retail establishments, and casinos. A surcharge may also apply at other Domestic Collection: Draft or Wire each $20.00 network ATMs. A message will appear on the ATM to notify you if the surcharge applies. Domestic Collection Mail additional $5.00 **Check orders and printing charges vary depending on the style of checks and quantity International Collection each $20.00 ordered. Please consult your bank representative for assistance in ordering business checks. Debit Card or ATM Card Replacement each $5.00 Should you have any questions regarding these changes, or if we can assist you in any way, Deposit Notification Fees each $5.00 please visit your local Hancock Whitney Bank Financial Center or call 800-448-8812. Duplicate Statement Fee each $7.50 Hancock Whitney Bank, Member FDIC. Levies/Garnishments each $75.00 Notary Fee each $5.00 Overdraft/Non-Sufficient Funds Charge each $36.00 Reopen Charged-off Account each $50.00 Returned Deposited Item (Charge-back) Services Primary Standard Notice each $9.00 Re-Deposit Item (Re-clears) each $5.00 Re-Qualify Item each $5.00 Telephone, Fax/Email or Duplicate Advice each $5.00

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 32 7/31/19 12:05 PM 78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 33 7/30/19 12:09 PM 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 Bank Best 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

How may we help you? Call us at 1-800-448-8812 or visit hancockwhitney.com/contact-us.

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. 14154

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