For Business - Hancock Whitney · HOUSTON CONROE. HANCOCK WHITNEY LOCATIONS MIDSOUTH BANK LOCATIONS. Pending regulatory and shareholder approval, expected to become Hancock Whitney

For Business

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

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Across the Gulf South.

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.

HONOR & INTEGRITY

STRENGTH & STABILITY

COMMITMENT TO SERVICE

TEAMWORK PERSONAL RESPONSIBILITY

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.

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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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 finding new ways to serve you. That’s the basis of our 5-star service, and our promise to ensure you’re satisfied with 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.


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 accounts is detailed in the letter included with this packet.

Also, please review the enclosed Fee Schedule beginning on page 25, and the Deposit Agreement (which includes our Terms & Conditions) 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. Take a look at “Checking Accounts” beginning on page 25 for additional details as well as hancockwhitney.com/small-business-checking.

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 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 monthly service charges.

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.

Money Market/Checking/Savings RatesWe will continue to pay stated rates on most accounts 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 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.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender.

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Treasury ServicesTreasury Services (cash management) offers online data, receivables, payments and fraud prevention solutions to keep your business running efficiently. Clients being transitioned to a treasury management product will be sent separate communications from Treasury Services. These products will include commercial online banking, remote deposit capture, positive pay, ACH origination, ZBAs and sweeps.

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

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 checking and money market accounts. Samples of our checking statements are available on our online transition guide at hancockwhitney.com/transition-guide.

• Savings account statements are issued quarterly. However, 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 different, but the content will remain the same.

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

Funds Transfer AgreementsIf you currently have a Funds Transfer Agreement (FTA) with MidSouth Bank, please contact your banker by December 19, 2019 to update your Hancock Whitney FTA. After 90 days, your MidSouth FTA will no longer be honored.

Activating Your New Visa® Debit And ATM CardsYour new Visa Debit or ATM card as well as a new PIN will arrive via mail in 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

“I love this bank. I have received excellent service from everyone every time—in person and on the phone.”

Theresa H.

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.

Our Standard Overdraft Services automatically come with all business checking and money market accounts.

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.

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78698-52437_HANC_2019_Zydeco_BusinessCatalog.indd 3 8/1/19 11:22 AM

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 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.

• As with any transition, some clients’ automatic payment schedules may be affected. Clients affected will receive a separate letter with additional information.

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

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

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

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

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

• Your purchase APR will stay the same and if you are currently enrolled in the MidSouth ScoreCard Rewards program your points 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 your Visa Purchase Alerts and mobile wallet options are on page 13.

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

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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.

Business Bill Pay And TransfersPayees and Payments set up in MidSouth Bank 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 are available in our online transition guide at hancockwhitney.com/transition-guide.

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.

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.

Enroll in Online Statements

Enroll in online statements

for each of your accounts.

Post conversion day,

we will continue to add

up to 18 months of

MSBOnline statements.

Add Sub-UsersWhile your MSBOnline

sub-users and entitlements

were not converted, you can

add them through the desktop

version of online banking at

hancockwhitney.com.

5 7 8

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.

Administrators Can Log In

to 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 4

6

5



Products and Services InformationPages 8–23


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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.

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

ACH Payroll My Balances External Bank Transfers

Payments & Transfers

Authorize Sub-Users

Mobile Check Deposit

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

Elaine R., AL


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The right checking options for your business to succeed.

ESSENTIALWell-suited for new and other businesses with few monthly transactions and lower balances.

PREFERREDA feature-rich account ideal for established and growing businesses with moderate activity and higher balances.

INTERESTA smart checking option for businesses with higher account balances that can earn interest.

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 ownerwith no monthly service charge

Up to 750 monthly items included5

Elevated call priority

1 Check with your mobile provider regarding message, data rates and usage charges that may apply.

2 Discounts are provided in the form of credits posted to the cardholder’s applicable Visa®

Business Debit Card account. Please visit www.visasavingsedge.com for complete details on the program, including terms and conditions.

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

debit or credit transactions in the statement cycle. If you do not have one of the eligible 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 default interest rate and annual percentage yield (APY). See a banker or refer to the Business Services Information Disclosure provided at account opening for full details.

4 Subject to application and credit approval. Additional fees apply. See a banker for details.

5 Additional items will incur fees. See a banker for details.

We know that one size does not fit all.

Your business requires a checking

account that can provide you with

flexibility your business demands.

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


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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.

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 business checking with convenience & security.

Overdraft ProtectionIt happens. Sometimes while taking care of business, you lose sight of how much money is in your account and experience an overdraft.

We offer options that provide peace of mind in protecting your finances like linking your checking account to another deposit account or business line of credit that aid in managing the occasional overdraft.

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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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 CreditBusiness 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

LoansConstruction 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

• Competitive terms

We’re ready to help you navigate 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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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.

1 Federal banking regulations restrict the number of withdrawals and transfers that can be made on savings and money market accounts to six.

2 Opening a Preferred Money Market Account requires an eligible business checking account which are limited to Preferred Business, Essential Business, Interest Business or Commercial Checking checking accounts that have a minimum of 5 client-initiated debit or credit

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 Waive Service Charge

$200 $2,500 $25,000

Minimum Daily Collected Balance to Earn Interest

All balances $2,500 $25,000

Online Banking Access

Telephone Banking

Withdrawals1 3 free withdrawals per month, otherwise $3

6 free withdrawals per month, otherwise $15


Your qualifying business 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.2

transactions in the statement cycle. If you do not have one of the eligible 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 default interest rate and annual percentage yield (APY). See a banker or refer to the Business Services Information Disclosure provided at account opening for full 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.


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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 Waive Service Charge

$200 $2,500 $25,000

Minimum Daily Collected Balance to Earn Interest

All balances $2,500 $25,000

Online Banking Access

Telephone Banking

Withdrawals1 3 free withdrawals per month, otherwise $3



Manage your cash flow all in one place.Visa® Points Plus Business Credit Card • Earn reward points on everyday purchases1

• 1% cash back1

Visa® Business Credit Card • Competitive rate

• No annual fee2

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

2 The APR for the Points Plus Business Credit Card and the Business Credit Card varies based on an Index. 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 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 7/15/2019, the APR for the Points Plus Business Credit Card is 13.75% and the APR for the Visa Business Credit Card is 12.15%. This APR may change according to the current Prime Rate. The Visa Points Plus Business Credit Card $12 annual fee is waived the first year.

3 For information on security features including terms and conditions, go to hancockwhitney.com/business-credit-cards.

4 Discounts are provided in the form of credits posted to the cardholder’s applicable Visa® Business Credit Card account. Please visit visasavingsedge.com for complete details on the program, including terms and conditions.

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

All accounts and loans subject to credit approval. Terms and conditions apply.

Apple is a trademark 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.

Convenient mobile wallet options:

With either card, you can:

KEEP YOUR MONEY SECURE Feel confident with multiple security features3 designed to keep your business protected.

IMPROVE YOUR CASH FLOW Payments due 25 days after the end of the billing cycle.

SAVE ON BUSINESS PURCHASES4 Automatic discounts of up to 15% on qualifying purchases at participating merchants with Visa SavingsEdge®.


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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

Gift Cards

• Offer customized gift cards and manage a digital gift program

• Comprehensive reporting

• Ability to convert existing program

Loyalty Programs

• Choose points-based system

• Create different levels

• Send special offers to customers’ mobile phones in real time

Get an inside look at how gift cards can help build your business.

With billions spent annually on gift cards, they’re a valuable tool, especially for small businesses. Read our Insights Blog entry, “Why you should start a gift card program for your small business” to get the full story: hancockwhitney.com/GiftCardInsights.


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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:• Accepts credit and debit cards, including

EMV® chip and contactless cards.

• Includes instant access to powerful software that helps you understand your customers and your business

• Hundreds of Clover business apps

• Features a sleek design and flexible platform

• Easy installation and setup

A perfect option for every business:

Clover® Insights mean more opportunity and more salesOur robust web-based tools help you to better manage your card-processing business.

• Easy-to-read transaction information and robust sales analytics

• Track business trends and get snapshots on your mobile device

• Compare sales to competition

• Track customers’ spending behavior

Clover Station

• All-in-one full featured, stationary POS system

• Optional cash drawer and receipt printers

• 14-inch HD touch screen display

• WiFi and Ethernet

• Fingerprint sign-in

Clover Mini

• Compact, stationary full featured POS system

• 7-inch HD touch screen display

• WiFi, LTE and Ethernet

• Built in receipt printer and barcode scanner

Clover Flex

• Multi-purpose, all in one POS system

• 5-inch touch screen

• WiFi and LTE connectivity options

• Built in receipt printer, camera/barcode scanner

Clover Go

• 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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Hancock Whitney continues long-standing partnership with the Pensacola Wahoos

Relay for Life Fundraising in Alabama

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 Mississippi Aquarium.

Home renovation project for Rebuilding Together Houston.


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After the winds and water of Hurricane Michael subsided, we contributed $200,000 to establish Hurricane Michael relief accounts at Hancock Whitney. We were also the first in the area to open financial centers—just 38 hours after landfall.

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

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.

Hancock Whitney’s River Oaks Financial Center relocated to the centrally located Kirby Center in Houston, Texas.


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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.


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• Discover how a shared culture of innovation helped us partner with Baton Rouge Medical Center to build a smarter payment system.

• Find out how we’re helping businesses like DEEP Brewing Co. and Liberty Bar & Restaurant shape the future of Tallahassee.

• Learn about our secret sauce for helping The Company Burger, a hip restaurant in New Orleans, find the right ingredients for financial success.

• You’ll also find helpful tips for increasing your sales 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.

Insights to help your business.True to our mission, our insights help

real businesses like yours. And that’s

exactly what you’ll find when you

subscribe to our Insights Blog.


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Objective investment advice for business owners.

Financial planning is especially important

for business owners, which is why our

Hancock Whitney Investment Services

professionals take the time to get to know

your needs, goals and dreams before

helping you achieve them. Here’s an

overview of our most popular services.


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Investment Review & Risk AnalysisTo determine whether you are on track to realizing your goals and dreams, our team will review your investments and insurance coverage to help you identify hidden risks.

Financial PlanningThe right plan can help decrease the distance to your goals. Our team of financial advisors and planners is ready to craft a financial plan to help you to get to your dreams sooner.

Professionally Managed AccountsWith a managed account, your financial advisor will create a diversified portfolio that is based on your investment objectives and risk tolerance.

Retirement Planning If providing your employees with a retirement plan is your goal, our financial advisors will work with you to develop an investment strategy that makes it possible. Whether you’re interested in providing a 401(k), simple IRA or other business retirement plan, we are here to help.

InsuranceOur fully licensed team can help you and your employees identify the life insurance policies that can help protect you and your business interests.

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

Investments

• Stocks

• Bonds

• Mutual Funds

• Investment Management Accounts

• Exchange-traded Funds (ETFs)

• Unit Investment Trusts (UITs)

Business Insurance

• Group Life Insurance

• Key Employee Life Insurance

• Buy/Sell Agreement Life Insurance

Personal 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

Business Retirement Plans

• 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) planInvestments 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 a SEC Registered Investment Adviser. 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

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY


22

Kings of the grill: Making BBQ dreams a reality.Friends since the fifth grade, Philip Moseley and Ronnie Evans were dreaming up their plan to be restaurateurs while most high school students were more interested in finding out the latest music video to top Total Request Live.

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.

After learning the art of barbecue in Colorado, Philip and Ronnie returned home to New Orleans with one goal in mind – figure 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 for us,” says Philip.

The start of their entrepreneurial endeavor began by hosting tailgate barbecues for friends and family. After positive reviews, the duo jumped at the opportunity to serve their creations as a pop-up at a local New Orleans bar, then out of the kitchen of a live music venue. While operating out of other businesses’ kitchens brought notoriety to the Blue Oak name, the pit masters wanted more.

“We developed a concept for the Blue Oak BBQ restaurant and we really believed we were positioned for success,” Ronnie explains.

The move to a stand-alone enterprise meant establishing a significant banking relationship. “The kind of investment we would be making in equipment, real estate, and people was significant,” Philip says. “But, we knew securing financing wouldn’t be easy as we were young entrepreneurs,” he continues.

Through a number of stalled financing conversations, the pair persevered. Then, a chance interaction with a Hancock Whitney banker at a local small business seminar ignited the fire. “Brittany saw something in us and believed in our product as much as we did,” describes Philip.

Taking the risk to stand on their own has paid off. Blue Oak went from operating a 120-square-foot kitchen, serving 40 to 50 customers a night as a pop-up to serving 700 daily at their 9000-square-foot Mid City location.

With growing crowds lined up for their food and the addition of more than 40 employees to the Blue Oak family, Philip and Ronnie still rely on Hancock Whitney to help solve new challenges. “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,” says Philip.

The pair, who have their hands full with the current operation but are always on the lookout for the next opportunity, attribute part of their success to Hancock Whitney. “Without Hancock Whitney, their support and the loans they were able to provide, I don’t think we would be here cooking food, making customers happy, and doing what we love,” says Ronnie.

For more stories about clients like Philip and Ronnie, visit: hancockwhitney.com/insights.

“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


23


Fee SchedulePages 25–32


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

Checking AccountsPreferred Business CheckingMinimum Deposit Required to Open $50.00

Monthly Maintenance Fee If no relationship requirements are met for the month: per month $15.00

Relationship Waiver Options:

• If minimum daily balance for the month is $5,000.00 or more per month $0.00

• or, if combined deposit and loan balances for the month are $25,000.00 or more per month $0.00

• or, if active Merchant Services account for month per month $0.00

• or, if monthly Business Credit Card spending of $2,000 or more per month $0.00

Item Fees 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.

First 750 items per month $0.00

Each additional item over 750 per item, each $0.50

Deposited Cash Fees—Combined Coin & Currency

First $40,000 per month $0.00

Additional cash deposited over $40,000 per $100 $0.15

Statement Type

Image $0.00

Dormant Fee per month $0.00

Early Closing Fee An Early Closing Fee will be charged if this account is closed within the first 360 days, regardless of balance. at closing $20.00

Online Banking

Business Bill Pay per month $0.00

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


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

Essential Business CheckingMinimum Deposit Required to Open $50.00

Monthly Maintenance Fee There is no monthly fee assessed against this account. per month $0.00







Statement Type

E-statement per month $0.00

Image Statement per month $3.00

Dormant Fee No Dormant fee will be assessed on accounts opened in the state of Texas. per month $15.00


Online Banking per month $0.00

Basic Business Bill Pay per month $0.00




26

Interest Business CheckingMinimum Deposit Required to Open $50.00

Monthly Maintenance Fee If no relationship requirements are met for the month: per month $25.00

Relationship Waiver Options:

• If minimum daily balance for the month is $25,000.00 or more per month $0.00

• or, if combined deposit and loan balances for the month are $50,000.00 or more per month $0.00







Statement Type Image $0.00



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 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.

Rate InformationInterest 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.

Frequency of Rate Changes Rates and Annual Percentage Yield (APY) are variable and subject to change at the bank’s discretion without notice and are available upon request. Contact your Hancock Whitney banker for more information.

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

Online Banking



Sub-Users

• First 2 users $0.00



Direct Deposit of Payroll per month $9.95

Payroll Transactions

• First 25 $0.00





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 RateAn 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 BalanceIf 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 FeeThis 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



Deposit Account Control Agreement (DACA)

Monthly Maintenance Fee per account $200.00



28

Business Interest CheckingMinimum Deposit Required to Open $1,500.00

Minimum Daily Collected Balance Required to Earn Interest $1,000

Monthly Maintenance Fee

If minimum daily balance is $5,000.00 or more per month $0.00

If minimum daily balance is less than $5,000.00 at any time during the month per month $12.00

Item Fees Items counted include: Checks, Debits, Credits, Deposit Tickets, Deposited Items (checks deposited), ACH Debits and ACH Credits

First 75 items $0.00


Cash Fees

Combined Coin & Currency first $10,000.00 $0.00

Additional Cash Deposited over $10,000.00 per $100 $0.13

Statement Type

Image $0.00


Interest 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 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.


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.

Frequency of Rate ChangesRates and Annual Percentage Yield (APY) are variable and subject to change at the bank’s discretion without notice and are available upon request. Contact your banker for more information.

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 on the account each day.

Online Banking


• Business Bill Pay items first 25 $0.00

• Each Additional over 25 per item $0.40

Sub-Users

• Each Additional over 2 per user $5.00


• Direct Deposit of Payroll—up to 25 transactions per month $9.95

• Each Additional over 25 per item $1.00

• Automatic Tax Payments—unlimited per month $9.95

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



Interest on Lawyer’s Trust Account (IOLTA)Eligibility RequirementsInterest is remitted to state bar associations and foundations per state bar regulations. Any extra fees incurred for transactions on these accounts (for example, wire fees and cash management fees) will be charged directly to the attorney and will not be taken from interest earned in this account or charged to this account.

Minimum Deposit Required to Open $100.00

Minimum Daily Collected Balance Required to Earn Income $1.00

Monthly Maintenance Fee per month $0.00


No limits per month $0.00

Deposited Cash Fees—Combined Coin & Currency per month $0.00

Not to be used as a cash depository and cash withdrawal transaction account. State bar regulations apply.

Statement Type

Image $0.00





DAILY COLLECTED BALANCE$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+$50,000–$99,999,99






30

Savings And Money Market AccountsBusiness SavingsMinimum Deposit Required to Open $100.00


If minimum daily balance for the month is $200.00 or more per month $0.00

If minimum daily balance is less than $200.00 at any time during the month per month $3.00

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 made between your other Hancock Whitney Bank accounts made by preauthorized or automatic transfer by telephone, fax or Internet banking.

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

If you should exceed this limit on more than an occasional basis, we are required to convert your account to one with no transaction limits. Should this be necessary, you will be notified prior to the 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



Interest 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 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.

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

Frequency of Rate ChangesHancock Whitney Bank may change the interest rate and Annual Percentage Yield on this account at any time without prior notification to the customer.


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



Commercial Money Market AccountMinimum Deposit Required to Open $2,500.00

Minimum Daily Collected Balance Required to Earn Interest $2,500.00


If minimum daily balance for the month is $2,500.00 or more per month $0.00

If minimum daily balance is less than $2,500.00 at any time during the month per month $10.00

Deposited Item Fees Items counted include: Combined Credits, Deposit Tickets, Deposited Items (checks deposited), and ACH Credits.



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 Hancock Whitney Bank accounts made by preauthorized or automatic transfer by telephone, fax or Internet banking.

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

If you should exceed this limit on more than an occasional basis, we are required to convert your account to one with no transaction limits. Should this be necessary, you will be notified prior to the 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

Six (6) or fewer withdrawals per month per withdrawal $0.00

More than six (6) withdrawals per month per withdrawal $15.00



Statement Type

Image per month $0.00



DAILY COLLECTED BALANCE$0–$2,499.99 $2,500–$9,999.99 $10,000–$74,999.99 $75,000–$249,999.99 $250,000+






32

Treasury ServicesPlease consult a Hancock Whitney sales specialist for assistance with Treasury Services. A Hancock Whitney Treasury Services representative will disclose any activity charges and fees that may apply. Fees for Treasury Services, including online services, are assessed separate and independent of the fees listed herein.

Miscellaneous FeesThe following fees may be assessed against your account. Unless specified, transaction and miscellaneous fees apply regardless of balance.

Account Reconcilement Fee

Minimum Charge $12.50

per hour $25.00

Account Research Fee

Minimum Charge $12.50

per hour $25.00

Account Research Copy Fee each $2.50

Account Transfer Overdraft Protection Fee (per transfer—assessed to the protected account) each $10.00

ATM Foreign Transaction Charges*

Withdrawals & Transfers each $2.00

Inquiries each $2.00

Surcharge each Varies

Cancelled Check Copy each $2.50

Cash Services (Financial Center)

Change Orders per order $5.00

• Plus Coin Furnished per roll $0.10

• Plus Currency Furnished per strap $0.50

Check Order and Printing** each Varies

Collection Items

Domestic Collection: Draft or Wire each $20.00

Domestic Collection Mail additional $5.00

International Collection each $20.00

Debit Card or ATM Card Replacement each $5.00

Deposit Notification Fees each $5.00

Duplicate Statement Fee each $7.50

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

Safe Deposit Box

Late Payment Fee each $10.00

Replacement Key Fee each $25.00

Drilling Fee each $120.00

Stop Payment Fee each $36.00

Sustained Overdraft Fee each $36.00

Vault Services (Armored Car)

Vault Deposit each $1.50

Vault Deposit Adjustment each $6.00

Vault Cash Deposited – Coin & Currency per $1,000 $1.40

Vault Bulk Coin – Fed-Standard Bag each $5.00

Vault Bulk Coin – Non-Standard Bag each $7.00

Vault Change Order – Standard (repetitive) each $5.00

Vault Change Order – Non-Standard (non-repetitive) each $7.00

Vault Change Order – Late Order each $30.00

Vault Coin Provided – Full Roll per roll $0.10

Vault Currency Provided – Full Strap per strap $0.60

Vault Currency Provided – Partial Strap per bill $0.02

Vault Mixed Deposit – Cash & Checks in single deposit each $2.00

Vault Envelope Deposit each $1.00

Vault Deposit Statement – Faxback Report each $25.00

Wire Transfer—Customer Only

Incoming Domestic each $20.00

Incoming International each $20.00

Outgoing Domestic each $20.00

Outgoing International each $45.00

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.

*There may be a surcharge at ATMs housed in locations not owned by Hancock Whitney Bank, such as hotels, retail establishments, and casinos. A surcharge may also apply at other network ATMs. A message will appear on the ATM to notify you if the surcharge applies.

**Check orders and printing charges vary depending on the style of checks and quantity ordered. Please consult your bank representative for assistance in ordering business checks.

Should you have any questions regarding these changes, or if we can assist you in any way, please visit your local Hancock Whitney Bank Financial Center or call 800-448-8812.

Hancock Whitney Bank, Member FDIC.

VI18



14154

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

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

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.

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

MK10


Documents

For Business - Hancock Whitney · HOUSTON CONROE. HANCOCK WHITNEY LOCATIONS MIDSOUTH BANK LOCATIONS. Pending regulatory and shareholder approval, expected to become Hancock Whitney