Hancock Holding Company Privacy Policy

Hancock Holding Company Privacy Policy Notice

3/2008

For over a century, we have forged customer relationships built on strength, stability, integrity, and service. Hancock Holding Company is made up of a number of affiliated companies including Hancock Bank, Hancock Bank of Louisiana, Hancock Bank of Florida, Hancock Bank of Alabama, Hancock Investment Services, Inc., Hancock Insurance Agency (including, Ross-King-Walker and J.Everett Eaves, Inc.), Harrison Finance Company, and Magna Insurance Company (an "Affiliate" or the "Affiliates" or "we", "our" and "us", which will refer to all Affiliates or to a particular Affiliate as is appropriate in the context), that work together in bringing you products and services to meet your financial needs. In choosing our financial products and services, you entrust us with financial information that is personally identifiable to you and not otherwise publicly available ("Confidential Information"). We honor your trust by protecting the privacy and security of Confidential Information that you and others share with us. We believe you should know how we collect, use and safeguard such personal information and what your options are as a valued customer of one of America's strongest, safest full-service financial institutions. This Privacy Policy shall replace and supersede any of our previous privacy notices or policies or other provisions relating to privacy matters.

Collecting And Using Confidential Information To Serve Your Needs
We gather Confidential Information from a variety of sources and use such information in order to: (i) administer our relationships with you; (ii) provide you with efficient customer service; and (iii) help us identify and determine your eligibility for other financial products and services that may be of value to you. We may collect the following Confidential Information about you from the following sources:

Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income;
Information about your transactions with us, our Affiliates, or others, such as your account balance and payment history; and
Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Safeguarding Your Confidential Information
We use established security standards and procedures to help protect Confidential Information from unauthorized access and improper use or disclosure. We maintain Confidential Information in secure environments using physical, electronic and procedural safeguards that comply with federal standards to protect against unauthorized access. We restrict access to Confidential Information to those employees who need to know such information to administer your accounts and to provide products and services to meet your needs. We regularly train our employees on privacy and information security and on their obligations to protect Confidential Information. Furthermore, we hold our employees accountable so that they adhere to such policies and procedures in order to protect against the improper use or disclosure of Confidential Information.

Maintaining Accurate Information
We continually strive to maintain complete and accurate information on you and your accounts. If you ever determine that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement. We will correct any inaccuracies as quickly as possible.

Limiting And Controlling The Sharing Of Confidential Information
We primarily share Confidential Information about you so that we may provide you with the financial products and services that you want and expect. In order to protect your privacy, we carefully control our sharing of any such information. We will not disclose any Confidential Information to anyone, except as outlined below or as permitted or required by law. Furthermore, when serving you in a fiduciary capacity, such as a trustee, we often observe limitations on sharing Confidential Information that are stricter than those set forth below.

Sharing Information Within Hancock
In order to provide you with greater access to financial products and services, we share Confidential Information between the Affiliates within our corporate family, which includes financial service providers such as Hancock Bank, Hancock Bank of Louisiana, Hancock Bank of Florida, Hancock Bank of Alabama, Hancock Investment Services, Inc., Hancock Insurance Agency (including, Ross-King-Walker and J. Everett Eaves, Inc.), Harrison Finance Company, and Magna Insurance Company. To this end, we may share amongst these Affiliates all the Confidential Information that we collect as more fully explained in that section titled "Collecting and Using Confidential Information To Service Your Needs." However, you can opt-out of our sharing Confidential Information with our Affiliates as discussed in greater detail later in this notice.

Sharing Information Outside Hancock
We do not sell Confidential Information about you to nonaffiliated third parties.

However, as do many other financial institutions, we select service companies to perform support services for us - such as marketing assistance, or work on our behalf to provide services to you - such as printing your checks. We also may enter into joint marketing agreements with other financial institutions to make available to you a greater range of financial products and services than we alone can offer. We disclose to such service providers and joint marketers Confidential Information they need in order to render such support services or to jointly market financial services. However, to this end, we may disclose any or all of the information that we collect as described in that section titled "Collecting and Using Confidential Information To Service Your Needs." We carefully choose such service providers and joint marketers and require them to comply with standards of security and confidentiality equal to those set forth in this policy and prohibit them from disclosing or using any Confidential Information solely for their own purposes.

We may also disclose Confidential Information about you to nonaffiliated third parties when permitted or required by law. We will adhere to the privacy policies and practices described in this notice even in the event that our customer relationship with you is discontinued.

Your Opportunity To Opt-Out Of Our Sharing Certain
Information With Our Affiliates And Related Marketing
Programs Under The Fair Credit Reporting Act

Information We Can Share With Our Affiliates And Which Our Affiliates May Use For Marketing To You (Unless You Tell Us Not To)
Unless you tell us not to, we may share with our other Affiliates in our corporate family certain information about you including:

Information we obtain from an application for credit, such as your income and marital status;
Information we obtain from a consumer report, such as your credit score or credit history;
Information we obtain to verify representations made by you, such as your open lines of credit;
Information we obtain from a person regarding employment, credit or other relationship with you, such as your employment history; and
Information related to your transactions or other experiences with us.

Also, unless you tell us not to, our Affiliates may use this information in marketing their financial products and services to you.

Shared With Whom
Affiliates within our corporate family that may receive this information and may use it in marketing financial products and services to you include financial service providers such as banks, securities broker-dealers and insurance companies.

How To Tell Us Not To Share This Information With Our Affiliates Or Tell Our Affiliates Not To Use It In Marketing
If you prefer that we do not either share this information with our Affiliates, or that our Affiliates not use such information to market their financial products and services to you, you may opt-out of this sharing and marketing, that is, you may direct us not to share this information or use this information in marketing by calling us toll free at 1-888-416-4502. Also, you may write us at Hancock Bank, Attn: Privacy Officer, Post Office Box 4019, Gulfport, MS 39502 and provide us with your name, address and social security number.

Impact Of An Opt-Out On Direct Marketing
Your decision to opt-out of either the sharing of such information or our Affiliates marketing to you using such information will be treated as your request not to receive future marketing offers from us or our Affiliates by direct mail, telephone, and/or e-mail. Even if you opt-out, you will continue to be contacted as necessary to service your account, be contacted by your account representative, and receive marketing information included with your regular account mailings and statements. Furthermore, this opt-out does not apply to sharing of such information or marketing contacts by our Affiliates that you specifically authorize or request.

We will honor your opt-out request within a reasonable time and thereafter will not share this information with our Affiliates. However, when we receive your opt-out request a marketing program may already be underway and you may receive a marketing offer from an Affiliate resulting from information shared prior to Hancock receiving your opt-out request. Note: Your direction to opt-out only covers certain information about you that we might otherwise share with our Affiliates. Even if you opt-out, we may share other information about you with our Affiliates to the extent permitted by law.

Joint Customers
If two or more customers jointly obtain a financial product or service from us (joint customers), we treat an opt-out instruction by one joint customer as applying to that joint customer only. Each joint customer may make a separate choice but any customer can opt-out on behalf of the other joint customers. A customer's opt-out (including an opt-out made on customer's behalf by a joint customer) will apply to all accounts that he or she maintains with any Affiliate.

Please note that third parties may obtain information about you from sources other than and independent of us, such as from credit reporting agencies or public documents or records. Mailings and other solicitations based on such information are outside of our control.

How To Reduce Direct Marketing From Other Companies
If you want to remove your name from many national direct mail lists, send your name and address to:

DMA Mail Preference Service
P.O. Box 643
Carmel, NY 10512

If you want to reduce the number of telephone solicitations from many national marketers, send your name, address, and telephone number to:

DMA Telephone Preference Service
P.O. Box 1559
Carmel, NY 10512

This Privacy Policy applies to all affiliated companies within the Hancock Holding Company, Inc. family unless we provide notice that a separate privacy policy applies to that company. However, should you receive a notice of privacy policy from an Affiliate that differs from this Privacy Policy, the terms of this Privacy Policy will govern over conflicting terms, if any, contained in such other privacy policy.

Hancock Holding Company Family
Hancock Bank
Hancock Bank of Louisiana
Hancock Bank of Florida
Hancock Bank of Alabama
Hancock Investment Services, Inc.
Hancock Insurance Agency (Including, Ross-King-Walker and J. Everett Eaves, Inc.)
Harrison Finance Company
Magna Insurance Company

WEB SITE PRIVACY POLICY NOTICE

At Hancock Bank, we take the issue of privacy very seriously. We want to assure visitors to our Web site the security, privacy and confidentiality that they expect from a premier financial services institution. You can be sure that our commitment to protect your financial information will continue under the principles and online guidelines described below.

Information Collected Generally
Hancock Bank does not collect any personal information from anyone who is merely visiting or browsing its Web site. Personal information may be requested if the visitor chooses to respond to online surveys, send Hancock Bank an e-mail message, apply for products and services online, or use Hancock Bank's on-line banking product.

E-mail and Product Inquiry
Through use of a "Contact Us" feedback form, Hancock Bank invites visitors on its Web sites to send e-mail messages to Hancock Bank so that Hancock Bank may respond to inquiries regarding Hancock Bank or its products or services. Hancock Bank retains copies of these e-mail messages. The information provided by a visitor will only be used to respond to the visitor's inquiry and to provide better customer service. If Hancock Bank thinks that a particular Hancock Bank account or service might apply to you or serve your needs, then Hancock Bank may occasionally contact you at your e-mail address to inform you of the potential benefits and availability of such accounts or services. Unless otherwise stated, all e-mail inquiries initiated from Hancock Bank’s web site by the user are assumed to be non-secured and therefore may be transmitted in the "open" over the Internet.

Applications for Products and Services
Through its Web site, Hancock Bank offers opportunities to apply for various products and services online, such as PC banking and brokerage services. Visitors who choose to apply for such products and services provide personal information Hancock Bank needs to process the application. To protect the confidentiality of the information submitted, Hancock Bank uses secure socket layer (SSL) technology. SSL technology establishes a "secure" Internet session and encodes the data submitted to the Hancock Bank Web site, ensuring that the information is accessible only to an authorized Hancock Bank representative and the customer. To support SSL, customers must have an Internet browser that supports state-of-the-art 128-bit "strong" encryption, such as Netscape 6.1 and higher, Microsoft's Internet Explorer 6.0 and higher, and AOL 3.0 (Windows). A customer can tell whether a document comes from a secure server by looking at the location (URL) field. If the URL begins with https:// (instead of http://), the document comes from a secure server. After you have submitted an application online, Hancock Bank recommends that you end your browser session before leaving your computer.

Protecting Your Bank Online
When you bank online with Hancock Bank, we, along with our third-party service providers who bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate third-party service provider, depending upon what is required to serve your needs. We use state-of-the-art Internet technology, supported by the third-party service providers that we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password to access your accounts. If you do not provide this information, we cannot establish an online banking service for you. You can also help maintain the security of your banking information by not sharing your ID or password with anyone, by changing your password regularly, and by remembering to sign off.

Protecting Your Bank Online
There are many planning tools and educational topics throughout this Site to help you make the financial decisions that are right for you in the privacy of your home. We encourage you to try all of our "what-if" scenarios as often as you like. When you use various planning tools on our Site, the calculations run on your computer or our server. The information you enter is retained to assist you on return visits to our site as it relates to the use of the tools and topics. The information is also used to present specific product/service information related to those tools or topics when visiting our web-site. You will not be solicited by telephone or e-mail unless you specifically request to have a representative contact you.

Applications for Employment
Hancock Bank offers visitors to its Web site the opportunity to inquire about employment opportunities posted on the Web site. When enabled, applicants may also submit online resumes on the Web site. The information submitted is used solely to evaluate prospective candidates and to communicate regarding an open position.

Transactional Services
Within its web-site, Hancock Bank collects personal information necessary to complete transactions or provide data requested by the visitor (for example, account balances and check clearance dates). To protect the confidentiality of the information submitted, Hancock Bank requires that visitors have a browser that supports 128-bit "strong" encryption, i.e., Netscape 6.1 and higher, Microsoft's Internet Explorer 6.0 and higher and AOL 3.0 (Windows).

Use of Cookies
A cookie is a small piece of information about an Internet session that may be created when a visitor accesses a Web site. Presently, Hancock Bank's Web site uses cookies to facilitate easier navigation within the site and provide a higher level of convenience for the visitor. The cookies used by Hancock Bank...

Are not written to the visitor's hard drive*
Exist only until the browser is shut down*
Do not contain any personal information regarding the visitor
Do not retrieve any information from the visitor's personal computer.

* Except for Online Banking-HandyNet^TM. Please refer to Online Banking FAQ for more information regarding the use of Cookies with Online Banking.

Use of Information Collected
Hancock Bank uses the information collected from visitors to its Web sites to address the specific needs of those visitors and to provide better customer service, including the provision of the latest information regarding Hancock Bank products. The information collected also is used to provide a record of communications between Hancock Bank and its Web site visitors and to comply with any applicable legal and/or regulatory requirements.

Access to Information Collected By Hancock Bank Employees
Certain Hancock Bank employees will be provided with a visitor's information in order to respond to that visitor's needs and provide the visitor with information regarding specific products in which the visitor may have an interest. Hancock Bank employees are instructed to use strict standards of care in handling the personal, confidential information of Hancock Bank customers, and the handling of such information is dealt with in Hancock Bank's Code of Conduct. Hancock Bank employees who do not conform to Hancock Bank's confidentiality rules are subject to disciplinary sanctions that include dismissal.

Keeping Information Accurate
Keeping your account information accurate and up-to-date is very important. If you ever find that our records are incomplete, inaccurate or not current, please call the telephone number on your account statement or email customer service. We will correct the information as quickly as possible.

Visitors
Visitors having specific questions regarding any information may e-mail Hancock Bank at service@hancockbank.com.