The Hancock Home Equity Line of Credit is a powerful financial tool that gives you access to your equity when you need it. You can access available funds now and in the future without reapplying.

• Little to no closing costs for lines of $250,000 or less.**
• Borrow up to 90% loan-to-value in MS and 80% in AL and FL.
• Convenient access in person or by check.
• Link to your Hancock personal checking account for overdraft protection.
• Interest may be fully tax deductible. Consult your tax advisor.

Plus, the line is flexible.  You can adapt to changing interest rates without refinancing.  Simply convert all or part of your balance during the revolving period into a competitive, low rate plan with predictable monthly payments.

*Offer is limited to new lines, not available on refinancing of existing Whitney or Hancock Bank debt, and requires a mortgage on an owner-occupied 1-4 family dwelling with a minimum lendable equity of $10,000 and a maximum loan-to-value of 90% in MS or 80% in AL/FL. Property insurance is required. Rescission rights may temporarily restrict availability of funds. Following the introductory period, Home Equity Line annual percentage rate (APR) is based on Wall Street Journal Prime Rate (the “Index”) plus a margin ranging between 0% and 1.25%. The actual margin applied to your line will be based on your creditworthiness. The APR will vary but will not exceed 21% in AL/MS or 18% in FL and will never be less than the 4.25% floor rate. Based on the 8/15/12 Index value of 3.25% and a typical margin of 0.50%, the formula that will be used for subsequent monthly rate adjustments would result in a current APR that is less than 4.25%.  Following the expiration date of the 6-month introductory period, the APR will be 4.25% until the Index and margin applicable to your line exceeds 4.25%. APR and repayment options may vary based on creditworthiness. See a banker for details. **The bank will pay most closing costs on lines of $250,000 or less and up to $500 in closing costs for lines over $250,000. Closing costs typically range between $261 and $2,150. Waived closing costs exclude: AL – Mortgage Recording Tax; FL – Documentation Stamp Tax and Intangible Tax. If you voluntarily cancel your Home Equity Line of Credit within 12 months of opening, you will reimburse to us the closing costs that we have paid. In Mississippi, reimbursement is limited to 5% of the unpaid principal balance at prepayment. This is a limited time offer and may not be combined with other discounts. Subject to credit approval; other terms and conditions apply.

If you prefer fixed terms and no surprises, opt for the Hancock Home Equity Loan. For many, it's the perfect solution for a large purchase or to consolidate high-interest debt.

• Little to no closing costs for loans of $250,000 or less.**
• Borrow up to 90% loan-to-value in MS and 80% in AL and FL.
• Fixed-rate terms and equal payments.
• Interest may be fully tax deductible. Consult your tax advisor.

*Offer is limited to new loans and requires a second mortgage on an owner-occupied 1-4 family dwelling with a minimum lendable equity of $10,000 and a maximum loan-to-value of 90% in MS or 80% in AL/FL. Property insurance is required. Example based on a $20,000 loan at a 5.49% APR with 180 monthly payments of $8.17 per $1,000 borrowed. Your actual APR may differ based on the length of time to your line's maturity and your creditworthiness. **The bank will pay most closing costs on loans of $250,000 or less and up to $500 in closing costs for loans over $250,000. Closing costs typically range between $261 and $2,150. Waived closing costs exclude: AL – Mortgage Recording Tax; FL – Documentation Stamp Tax and Intangible Tax. If you voluntarily cancel your Home Equity Loan within 12 months of opening, you will reimburse to us the closing costs that we have paid. In Mississippi, reimbursement is limited to 5% of the unpaid principal balance at prepayment. This is a limited time offer and may not be combined with other discounts. Subject to credit approval; other terms and conditions apply.