Today, all types of business organizations use many different financial services to maximize their cash resources and enhance financial performance.

Hancock Direct HandyCall^®

HandyCall^® is Hancock Bank's free 24-hour automated telephone banking system. It's the simplest way to manage your cash more efficiently, enabling you to conduct many banking transactions over the telephone. These include:

• Check account balances.
  
• Obtain transaction history.
  
• Obtain customer service assistance.

The toll-free phone numbers for HandyCall^® are:

Mississippi: 1-800-448-8812
Louisiana: 1-800-256-4636
Florida: 1-800-726-0920
Alabama: 1-866-744-8801

e-Banking

With e-Banking, you enjoy the convenience of banking over the Internet right from your home or office computer. Best of all, e-Banking is free.

You can use the service to:

• Check account balances.
  
• Obtain transaction history.
  
• Issue stop payment requests.
• View check images online.

Hancock Net Solution

Hancock Net Solution is Hancock Bank's Internet-based banking tool that is designed for larger organizations. It is similar to e-Banking, but it offers more advanced capabilities. With Hancock Net Solution you can:

• Receive accurate and prompt detail and summary account information, including previous day balance inquiries, current day activity and transaction history detail.
  
• Transfer funds between Hancock Bank accounts.
  
• Originate ACH payments (Direct deposit of payroll, Federal and State tax payments, preauthorized debits and credits, cash concentration, and vendor payments.)
  
• Initiate domestic wire transfers.
  
• Place stop payment requests.
  
• Receive front and back imaged copies of cancelled checks on-line and/or receive a monthly CD-Rom.

Hancock Net Solution is compatible with most spreadsheet and accounting programs, which will enable you to simplify and streamline financial management. Advanced custom features and easy-to-read data fields are tailored to your specific transaction types. Benefits of Hancock's Net Solution are:

• Better funds management.
  
• Lower paper and mailing costs.
  
• Fewer errors, delinquencies and late payments.
  
• More efficient use of staff time.

Perhaps most importantly, you can rest easy in knowing that your transaction information is secure. All information is encrypted using Secure Sockets Layer (SSL) technology, the standard today in online commerce. Access to your information is controlled by a secure log-in feature that reduces the risk of fraud and lets you establish individual user limits and setup features.

Cash Management Services

Smart cash management is to businesses. In addition to Hancock Bank's Net Solution, we offer a full range of cash management products and services to help you maximize your cash resources and enhance the financial performance of your business organization.