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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 New York and New Jersey 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 NEW ORLEANS 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 Texas to Florida 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. 1 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. 2 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.