1. Why did Hancock Bank change/convert to a new system?
2. Will HandyNet^® Online Banking be available even if we're hit by a disaster?
3. What self-service options do I have with the enhanced HandyNet^® Online Banking?

1. What are the features and benefits of using HandyNet^® Online Banking?
2. How do I contact Hancock Bank when I have problems or questions regarding HandyNet^®?
3. What if I don't sign on to HandyNet® on a regular basis?

1. How long does it take to register for HandyNet^® Online Banking?
2. What does a customer need to bank online using HandyNet^® Online Banking and who is eligible?
3. I don't have an ATM or check card, what else can I do to register?

Using HandyNet^® for Your Accounts

1. If I bank online using HandyNet^®, can I view all of my Hancock Bank accounts?
2. One of my accounts does not appear on HandyNet^®. How can I determine if a "block" has been placed on one of my accounts?
   
3. How frequently is my Hancock Bank account information updated within HandyNet^®?
4. For a Hancock Bank deposit account, what is the "Available Balance?"
5. I transferred money using HandyNet^®, but I don't see the transferred amount reflected on my accounts. Why?
6. Can I stop or modify my request to transfer funds?
7. Can I view my statements online?

1. Is my online communication with Hancock Bank secure?
2. How do I change my User ID and/or password?
3. I forgot my User ID and/or password that was sent to me. What should I do?
4. At sign-on, I get an error message stating "The validation information entered is invalid. Please verify and re-enter." Why?”
5. Why do I receive an error stating "Your interactive session is no longer active?"
6. What is a cookie and does Hancock Bank use cookies?

1. When I try to access HandyNet^® Online Banking, I receive a "Browser Incompatible" error. What should I do now?
2. How do I upgrade my browser to 128-bit high encryption?
   

Yes. The new HandyNet^® Online Banking is housed at a location outside of our region in order to ensure that HandyNet^® will be available, even if our area is affected by a disaster. In the event that the location in which HandyNet^® online banking is housed is affected by disaster, backup locations are in place and the site will immediately switch to one of those backup location. That means, in the event of a disaster, you can count on HandyNet^® to provide the peace of mind that comes with having an accurate picture of your finances.

The new Stronger, Better, More Secure HandyNet^® Online Banking has a number of enhancements including:

• Alerts/Notifications - Receive e-mail alerts on balances and transactions posting to your account.
• Quicken/Money access - We'll bring you the ability to download your account information into Intuit Quicken^® and Microsoft^® Money.
• Pending Transactions - See pending transactions for ATM and point-of-sale (POS) purchases as they occur and before they're posted to your account.
• Scheduled and/or Recurring funds transfers - Use scheduled transfers to transfer money on dates and times convenient to you on either a one-time or recurring basis.
• Loan payments from external accounts - Now you can pay your Hancock Bank loans using your accounts at other financial institutions.
• Summary Reports - get reports of your online activity.
• E-statements- view, print or save your monthly statements.

Everyone could use a little more time in their day. HandyNet^® is one way to get it with 24 hours a day, 7 days a week access to your personal account information. There is no fee to use online banking. However, standard fees will apply for services such as Stop Payments and Online Bill Pay.

Features: Account Balance Inquires, Transaction History Detail, Funds Transfer, View and Add Stop Payments, Alerts/Notificatins, Quicken/Money Access, Pending Transactions, Scheduled and/or Recurring Funds Transfers, Loan Payments from External Accounts, Summary Reports

Benefits: More Control, Convenient, Saves Time, Flexible, Safe

E-mail your questions or information about any problems you encounter to our HandyNet^® customer service representatives at service@hancockbank.com or call us through HandyCall:

• In Mississippi, (800) 448-8812
• In Louisiana, (800) 256-4636
• In Florida, (800) 726-0920
• In Alabama, (866) 744-8801

For security reasons, if you do not sign on to HandyNet® regularly, your account will be disabled. If you have not logged on in a 90 day time period, your sign on id will become inactive and you will need to contact Customer Service to reactivate the id. If you have not logged on in a 120 day time period, your account will become disabled and any scheduled transfers or recurring Bill Pay payments will be cancelled. Your enrollment in Bill Pay will also be cancelled. To reactivate the account, you will need to contact Customer Service and reenroll in Bill Pay.

First, you'll be prompted for your ATM or debit card number, one of your account numbers and your Social Security Number. This tells us who you are and which accounts are yours.

Next, you'll be asked for information related to the account that you just entered (for example: "What was your last deposit amount?"). This helps us confirm that you are the person who owns this account.

Finally, you'll be asked to select a User ID and password

If you don't have an ATM or debit card, don't worry, you can still register for HandyNet^® Online Banking. Find out how.

There are two ways to register, one for customers who have ATM or debit cards and one for customers who do not. Either way, the process is quick and simple.

Note: A customer cannot register using a Hancock Bank Credit Card.

You can register for HandyNet^® Online Banking even if you don't have an ATM or debit card, just call our customer service and a friendly Hancock Bank representative will assist you.

• Hancock Bank of Mississippi 1-800-448-8812
• Hancock Bank of Louisiana 1-800-256-4636
• Hancock Bank of Florida 1-800-726-0920
• Hancock Bank of Alabama 1-866-744-8801

The two main factors that determine your ability to view a particular account using HandyNet^® are:

1. Your "relationship" to the account. You'll be able to see any account for which you are the sole owner, joint owner, or