Enjoy convenience, flexibility, expanded purchasing power and no annual fee with a Whitney VISA® Credit Card. Two great options make it easy to choose the right card for your lifestyle and needs.

Whitney VISA® Classic Credit Card No Annual Fee Variable APR indexed to the Wall Street Journal U.S. Prime rate* Cash access worldwide VISA's Zero Liability Policy*** Eligible for Whitney Points Plus, our exclusive rewards program **** Terms and conditions.

Whitney VISA® Platinum Credit Card No annual fee $5,000 minimum credit limit Variable APR indexed to the Wall Street Journal U.S. Prime rate* Cash access worldwide Emergency Cash & Card Replacement** Purchase Security Protection** Warranty Manager Service** Travel & Emergency Assistance** VISA's Zero Liability Policy*** Eligible for Whitney Points Plus, our exclusive rewards program **** Terms and conditions.

Apply today at a branch near you or call 1-800-844-4450.

Terms and conditions for all credit card products.

*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 Classic and Platinum Cards is 12.99% as of 5/1/13. The APR may vary. A balance transfer fee of 3% of the amount of each balance transfer (maximum fee: $50) and a cash advance fee of 3% of the amount of each cash advance apply.

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

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

****For information about Whitney Points Plus, contact a Whitney banker or one of our dedicated Call Center agents at 1-888-331-1057. Qualified purchases for the Points Plus Rewards program include VISA signature-based transactions, including online and other purchases where no PIN is required. Exclusions include: gaming related purchases, cash access transactions (such as cash advances, money orders, traveler's checks and cashier's checks) and PIN-based transactions. Other restrictions may apply.

Eligible or qualifying purchases include VISA signature-based transactions, including online and other purchases where no PIN is required. Exclusions include: gaming related purchases, cash access transactions (such as cash advances, money orders, traveler's checks and cashier's checks) and PIN-based transactions. Other restrictions may apply.