Effective Date: May 22, 2006

Generally Hancock Bank (Mississippi) maintains this Website for itself and Hancock Bank of Louisiana, Hancock Bank of Florida, and Hancock Bank of Alabama and certain of its affiliated companies and subsidiaries of Hancock Holding Company. Individually and collectively these affiliated companies shall sometimes be referred to herein as "Hancock Bank." Any person is hereby authorized to view and print the information that Hancock Bank makes available on this website for his or her informational purposes only. Hancock Bank requires that all visitors to our website(s) on the Internet (the "Website") adhere to the following rules and regulations. By accessing the Website(s), you indicate your acknowledgement and acceptance of these terms and conditions. From time to time we may revise these terms and conditions.

Copyright Notices

The works of authorship contained in this Website, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Hancock Bank or Hancock Holding Company. Except as otherwise expressly stated herein, these works may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Hancock Bank or Hancock Holding Company's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Hancock Bank or Hancock Holding Company's proprietary rights.

Trademark Notices

Hancock Bank and "The Hancock Bank Lighthouse Symbol" are registered trademarks of Hancock Holding Company. Other featured words or symbols, used to identify the source of goods and services, are the trademarks of their respective owners.

Web Content and Materials

The information and materials contained in this Website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Not all products and services are available in all geographic areas. You may not be eligible for all the products or services described on this Website. Your eligibility for particular products and services is subject to final Hancock Bank determination and acceptance.

HANCOCK BANK OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND HANCOCK BANK DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. HANCOCK BANK RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEB OFFERINGS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO SOLICITATION IS MADE BY HANCOCK BANK TO ANY PERSON TO USE SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

Securities Law Disclosures

The information herein is not an offer to sell, or to solicit an offer to purchase any securities by anyone in any jurisdiction in which such offer or solicitation is not authorized, or in which Hancock Bank or the person making such an offer is not qualified to do so, or to anyone to whom it is unlawful to make such an offer or solicitation, or to anyone in any jurisdiction outside of the United States.

Investment products and services, including, but not limited to securities (including mutual funds) and annuities, are (i) not bank deposits and are not FDIC insured, (ii) not obligations of or guaranteed by Hancock Bank and (iii) products that involve investment risks, including the possible loss of the principal amount invested.

Links to Other Sites

Links to non-Hancock Bank websites are provided solely as pointers to information on topics that may be useful to users of the Hancock Bank websites, and Hancock Bank has no control over the content on such non-Hancock Bank websites. If you choose to link to a website not controlled by Hancock Bank, Hancock Bank makes no warranties, either expressed or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Hancock Bank warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Hancock Bank does not guarantee the authenticity of documents on the Internet. Links to non-Hancock Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

Limitation of Liability

WE WILL USE OUR BEST EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THIS WEBSITE, HOWEVER WE MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THE INFORMATION. HANCOCK BANK IS NOT RESPONSIBLE FOR ANY ERRORS IN OR OMISSIONS FROM THE INFORMATION CONTAINED IN OR ACCESSED THROUGH THIS WEBSITE. ALL SUCH INFORMATION IS PROVIDED "AS IS" TO THE USER WITHOUT EXPRESSED OR IMPLIED WARRANTIES OF ANY KIND INCLUDING THE WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHERMORE, HANCOCK BANK WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER'S BROWSER OR OTHERSITE ACCESSING PROGRAM. NOR WILL HANCOCK BANK BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSESBEYOND HANCOCK BANK'S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

HANCOCK BANK WILL HAVE NO TORT, CONTRACT OR ANY OTHER LIABILITY TO THE USER AND/OR ANY THIRD PARTY ARISING IN CONNECTION WITH THE USE OF THIS WEBSITE, OR RELIANCE ON ANY INFORMATION OR SERVICES PROVIDED AT THIS WEBSITE. HANCOCK BANK WILL UNDER NO CIRCUMSTANCES BE LIABLE TO THE USER AND/OR ANY THIRD PARTY, REGARDLESS OF THE FORM OF ACTION, FOR ANY LOST PROFITS OR LOST OPPORTUNITY, OR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR PUNITIVE DAMAGES WHATSOEVER, EVEN IF HANCOCK BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Governing Law

As noted earlier, Hancock Bank, a banking corporation chartered under the laws of the State of Mississippi, maintains this Website for itself and for certain affiliated companies and subsidiaries of Hancock Holding Company. Accordingly, your use of this Website is subject to the terms and conditions herein and if applicable, the Handynet^® Online Banking Agreement and Related Disclosures, all of which shall be interpreted according to Mississippi law, without regard to its conflict of law provisions.