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Trustmark National Bank
CARDHOLDER AGREEMENT 
AND DISCLOSURE STATEMENT
This Agreement contains the terms that govern the use of your Visa or
MasterCard Card Account and outlines both your responsibilities and
ours. Please read it in its entirety and keep it for your reference.  The
accompanying  Summary  of  Terms is  hereby  incorporated  into  and
made  a  part  of  this  Agreement.  In  addition,  the  application,
acceptance  certificate  or  other  request  you  signed  or  otherwise
submitted for this Account (the “Application”), your Card and the Card
Carrier that we send with your Card, and your signature (including any
electronic or digital signature) on any Application, sales slip or other
evidence  of  indebtedness  on  your  Account,  are  hereby  incorporated
into and made a part of this Agreement. This Agreement begins on the
earlier of (i) the date you sign or otherwise submit an Application that
is approved by us, or (ii) the first date that we extend credit to you on
your Account, as evidenced by a signed sales slip or memorandum, a
Cash Advance transaction, a Balance Transfer transaction, or otherwise.
Definitions
To  simplify  this  Agreement  for  you,  the  definitions  listed  below  will
apply  throughout,  both  in  this  Agreement  and  in  your  monthly
statement.    In  addition,  the  words  you,  your,  and yours  refer  to  the
Cardholder(s) who holds the Card and is responsible for the Account.
The words we, us, and our refer to Trustmark National Bank, Jackson,
Mississippi.
Account:  The  credit  card  account  for  which  you  were  issued  a  Card
imprinted with your Account number, that is subject to all terms and
conditions of this Agreement.
Account Year: The 12-month period (consisting of 12 Billing Cycles)
commencing with the first Billing Cycle that begins when the Account
is opened and each successive 12-month period thereafter.
ATM: Automated Teller Machine.
Balance Transfer: A transaction in which, pursuant to your request, we
may  arrange  directly  with  another  financial  institution  to  transfer  to
your Account all or a portion of an outstanding balance you owe or for
which  we  send  you  Special  Checks  to  use  for  such  purposes.  Your
use of a Check or your Card, or any Cash Advance obtained by such
use, to pay yourself all or a portion of such an outstanding balance is
not a Balance Transfer for the purposes of this Agreement.  A Balance
Transfer  is  treated  as  a  Purchase  for  purposes  of  this  Agreement,
except that in the provisions for determining the  Interest applicable to
your Account, separate provisions apply to Balance Transfers and to
Purchases.  Accordingly, in the Interest provisions of this Agreement
the  terms  “Purchase”  and  “Purchases”  do  not  refer  to  Balance
Transfers.
Billing Cycle: The time interval covered by a monthly statement.  Each
Billing Cycle is approximately 30 days in length.
Card: Any Visa or MasterCard credit card issued by us which you may
use  to  obtain  cash,  make  Purchases,  or  lease  goods  or  services  on
credit.    Use  of  your  Account  number  to  obtain  credit  will  be
considered a use of the Card.
Card Association:  MasterCard Worldwide or Visa U.S.A., Inc.
Card Carrier: The carrier that contains your Card.
Cardholder: The person to whom a Card is issued, or who has agreed
to pay obligations arising from a Card issued to another person.
Cash  Advance:  Credit  extended  to  you  in  the  form  of  a  cash  loan
through  any  financial  institution  honoring  the  Card  either  presented
directly  or  through  any  other  credit  instrument,  Check,  device,
overdraft coverage plan or ATM that we make available to you.
Ceiling  Rate: The  maximum  annual  percentage  rate  that  may  be
applied to your Account balance(s).
Check:  Any  check  we  make  available  to  you  for  the  purpose  of
drawing against your Account.  These are subject to the same terms
and definitions as Cash Advances unless otherwise noted.
Closing Date: The date of the last day of a Billing Cycle.
Credit Line: The maximum amount of credit available to you on your
Account.
Floor Rate:  The minimum annual percentage rate that may be applied
to your Account balance(s).
Foreign ATM Fee:  The fee assessed for the usage of an ATM that is
not owned or operated by us.
Foreign Currency Conversion:  You may make a Purchase or obtain a
Cash  Advance  in  a  currency  other  than  U.S.  dollars  or  in  a  country
other  than  the  United  States.    If  you  do,  the  card  association  will
convert the transaction into U.S. dollars.  The conversion rate between
the transaction currency and the billing currency will be either (i) a rate
selected  by  the  card  association  from  the  range  of  rates  available  in
wholesale currency markets for the applicable central processing date,
which rate may vary from the rate the card association itself receives,
or  (ii)  the  government-mandated  rate  in  effect  for  the  applicable
central  processing  date.  The  conversion  rate  the  card  association
uses may differ from any published rate in effect on the day you made
the transaction or the day it was posted to your Account.
Margin:  The  amount  added  to  the  Prime  Rate  in  the  calculation  of  a
variable Monthly Periodic Rate. “Prime Rate” is defined below in this
Agreement under “Regular Monthly Periodic Rates.”
New  Balance:  The  total  outstanding  Account  balance  on  the  Closing
Date specified on your monthly statement.
Previous Balance: The balance of your Account at the beginning of a
Billing Cycle. This will be the same as the “New Balance” shown on
your previous bill.
Purchase: Any extension of credit to your Account for the purpose of
purchasing  or  leasing  goods  or  services  from  participating
establishments.
User: Any person authorized by you to obtain credit under your Account.
USING YOUR CREDIT CARD

Purchases or Cash Advance
You  may  use  your  Card  or  Checks  to  purchase  or  lease  goods  or
services  from  participating  establishments.    You  may  also  use  your
Card  to  obtain  Cash  Advances  from  your  Account  at  an  ATM,  or  by
presenting it to us, or to any institution that accepts the Card for that
purpose.
You  will  owe  us  for  these  amounts,  plus  any  applicable  Interest  and
other applicable charges or fees, payable in U.S. dollars.
Your Credit Line
You may not use your Account in any way that would cause you to go
over  your  Credit  Line.  We  may  refuse  to  authorize  or  accept  any
transaction  on  your  Account  if  your  outstanding  Account  balance
exceeds  your  Credit  Line  or  if  the  transaction  (if  authorized)  would
cause you to exceed your Credit Line or if your Account is delinquent.
We  may  in  our  discretion  from  time  to  time,  but  are  under  no
obligation to do so, allow you to make a Purchase, Cash Advance or
Balance  Transfer  transaction  that  causes  you  to  exceed  your  Credit
Line. If we do allow you to exceed your Credit Line at any time, you
must  repay  the  excess  amount  according  to  the  terms  of  this
Agreement  and  we  are  not  obligated  to  allow  you  to  exceed  your
Credit Line at any other time in the future. We may change your Credit
Line amount at any time and will notify you accordingly if we do so.
Checks
We may supply you with personalized Checks that are subject to the
following  conditions.  Payment  of  a  Check  will  be  treated  as  a  Cash
Advance  on  your  Account  for  Interest  calculation  purposes  and  all
other purposes. Your Check must be written in U.S. dollars. Only the
person  whose  name  appears  on  the  Check  may  sign  it.  We  are
authorized  to  pay  any  Check  drawn  on  your  Account  even  if  the
signature does not correspond exactly to the signature on our records.
You agree that Checks written on your Account will not be returned to
you.  We  are  entitled  to  return  any  of  your  Checks  unpaid  if  your
outstanding  Account  balance  is  in  excess  of  your  Credit  Line  or  if
payment of the Check would cause you to exceed your Credit Line, or
if  your  Account  is  in  default,  or  if  your  right  to  obtain  further  credit
under your Account has been terminated. If we honor the Check under
these circumstances, the amount in excess of your Credit Line will be
due  immediately.  You  may  not  use  a  Check  to  make  payments  on
your Account or any other account you may have with us.
We may pay Checks dated more than six months prior to the date they
are presented for payment.  You may not write a postdated Check, but
we may pay a Check regardless of a postdate.  We will not certify a Check.
MAKING PAYMENTS

Monthly Statements
We will send a statement at the end of each monthly Billing Cycle if
there  is  a  debit  or  credit  balance  on  your  account  of  $1  or  more,  a
balance on which Interest has been imposed or as otherwise required
by applicable law.  You agree to pay us, or any party to whom we may
transfer  and  assign  your  Account,  in  U.S.  dollars  according  to  all
terms and conditions of this Agreement.
Minimum Payment
The Minimum Payment is the greater of 3% of your New Balance or
the  sum  of  all  Fees,  Interest  and  any  past  due  amounts  plus  1%  of
your  New  Balance.  If  you  elect  not  to  pay  your  New  Balance  in  full,
you  must  pay  the  Minimum  Payment  so  that  it  is  received  by  the
“Payment Due Date” shown on your statement, which is at least one
month  after  the  Closing  Date  of  the  Billing  Cycle.    Your  Minimum
Payment  will  also  include  any  amount  by  which  the  New  Balance
exceeds your Credit Line.
You may, at any time, pay more than the Minimum Payment without
incurring any additional charge for prepayment.
Payments received by 5:00 pm Central Time at the “remit to” address
on  the  front  of  your  Monthly  Statement  will  be  credited  on  the
business  day  (Monday  through  Friday)  received.    Any  payment
received  after  such  time  will  be  credited  the  next  business  day.
Payments received at other locations may be  subject to delay in crediting.
Application of Payments
We  reserve  the  right  to  apply  payments  to  your  Account,  in  any
manner  we  choose  at  our  sole  discretion,  in  accordance  with
applicable law. 
Security Interest
If we now or in the future, hold any title, pledge or security interest in
any of your property other than your principal residence, it may be that
the  terms  of  the  instrument  creating  such  title,  pledge  or  security
interest will also secure your obligations on this Account.
HOW INTEREST IS DETERMINED
Your  Interest for  any  Billing  Cycle  will  include  the  following
components,  the  total  of  which  constitutes  your  total  Interest for  the
Billing Cycle:
(1) a  Foreign  Transaction  Fee  Interest charge in  an  amount
determined as provided in the accompanying Summary of Terms,
which  is  imposed  on  each  Purchase  made  or  Cash  Advance
obtained  in  a  currency  other  than  U.S.  dollars  or  made  outside
the United States, and

(2) a  Foreign  ATM  Fee  Interest  charge in  an  amount  so  determined
by  the  owner/operator  of  the  ATM  machine  that  is  imposed  on
each transaction made at an ATM that is not owned or operated
by us, and

(3) periodic  Interest amounts  computed  by  applying  the  applicable
Monthly  Periodic  Rate  or  Rates,  determined  as  provided  below
under “Computing the Monthly Periodic Rates and corresponding
ANNUAL  PERCENTAGE  RATE  (APR)”  and  in  the  accompanying
Summary  of  Terms,  to  (i)  your  Average  Daily  Balance  of  Cash
Advances (including new Cash Advances), and (ii) (except when
you are entitled to avoid paying interest on Purchases described
below) your Average Daily Balance of Purchases (including new
Purchases),  and  (iii)  your  Average  Daily  Balance  of  Balance
Transfers (including new Balance Transfers), except that if there
is a periodic Interest charge so computed for Purchases or Cash
Advances  or  Balance  Transfers,  that  is  less  than  any  applicable
Minimum Interest charge shown on the accompanying Summary
of Terms, then that Minimum Interest charge will instead be imposed. 

When Interest Begins to Accrue
Subject to any period to avoid paying Interest, Interest on Purchases
will be imposed at the applicable Monthly Periodic Rate from the date
each  Purchase  is  made  and  will  continue  to  accrue  on  unpaid
balances as long as they remain unpaid. You will have at least a one
month  period  to  repay  any  new  Purchases  included  in  the  New
Balance  (if  any)  shown  on  your  statement  for  any  Billing  Cycle  to
avoid  incurring  an  additional  Interest  charge  on  new  Purchases.    No
Interest charge on Purchases will be imposed for any Billing Cycle in
which  the  Previous  Balance  is  zero  or  a  credit  balance.  Interest on
Cash Advances and Interest on Balance Transfers will be imposed at
the  applicable  Monthly  Periodic  Rate  from  the  date  each  Cash
Advance or Balance Transfer is made and will continue to accrue on
unpaid balances as long as it remains unpaid.  There is no time period
within which to pay to avoid Interest on Cash Advances or on Balance
Transfers.
Calculating the Balance Subject to Interest
Average  Daily  Balance  of  Cash  Advances  (including  new  Cash
Advances): To get the Average Daily Balance of Cash Advances, we
take the beginning Cash Advance balance of your Account each day,
add  any  new  Cash  Advances  as  of  the  date  of  transaction  and
subtract the applicable portion of any payments and credits as of the
date of posting.  This gives us the daily balance for Cash Advances.
Then we add all these daily balances for the Billing Cycle together and
divide the total by the number of days in the Billing Cycle.  This gives
us the Average Daily Balance of Cash Advances.
Average  Daily  Balance  of  Purchases  (including  new  Purchases):
The  balance  calculation  method  for  Purchases  is  the  Average  Daily
Balance (including new purchases).  To get the Average Daily Balance
of  Purchases,  we  take  the  beginning  Purchase  balance  of  your
Account  each  day,  add  any  new  Purchases  as  of  the  date  of
transaction, and subtract the applicable portion of any payments and
credits as of the date of posting.  This gives us the daily balance for
Purchases.  Then we add all these daily balances for the Billing Cycle
together and divide the total by the number of days in the Billing Cycle.
This gives us the Average Daily Balance of Purchases.
Average  Daily  Balance  of  Balance  Transfers  (including  new
Balance  Transfers): To  get  the  Average  Daily  Balance  of  Balance
Transfers,  we  take  the  beginning  Balance  Transfer  balance  of  your
Account each day, add any new Balance Transfers as of the date of
transaction   and subtract the applicable portion of any payments and
credits as of the date of posting.  This gives us the daily balance for
Balance Transfers.  Then we add all these daily balances for the Billing
Cycle together and divide the total by the number of days in the Billing
Cycle.  This gives us the Average Daily Balance of Balance Transfers.
Computing  the  Monthly  Periodic  Rate  and corresponding  ANNUAL
PERCENTAGE RATE (APR)

Regular Terms
Promotional  or  Introductory  Monthly  Periodic  Rates:  Any
Promotional  or  Introductory  Monthly  Periodic  Rate(s)  and
corresponding ANNUAL PERCENTAGE RATE, the type of average daily
balances  to  which  it  applies  if  it  does  not  apply  to  all  your  average
daily balances, and the period for which it is applicable, are shown on
the accompanying Summary of Terms. However, if we fail to receive
your  Minimum  Payment  by  the  Payment  Due  Date  in  any  two
consecutive  Billing  Cycles,  then  any  Promotional  or  Introductory
Monthly  Periodic  Rates  and  corresponding  ANNUAL  PERCENTAGE
RATE  will  be  replaced  by  the  applicable  Monthly  Periodic  Rate  and
corresponding ANNUAL PERCENTAGE RATE determined as described
below under “Regular Monthly Periodic Rates” and “Penalty Monthly
Periodic Rate”, and any Promotional or Introductory period that would
otherwise have remained in effect will be deemed to have terminated
early.  Except  during  periods  and  with  respect  to  balances  for  which
such  a  Promotional  or  Introductory  Monthly  Periodic  Rate  is
applicable,  each  Monthly  Periodic  Rate  and  corresponding  ANNUAL
PERCENTAGE RATE applicable to your Account will be determined as
described below under “Regular Monthly Periodic Rates” and “Penalty
Monthly Periodic Rate”. As required by applicable law, you will receive
advance notice of any increase in your Monthly Periodic Rate(s) and
corresponding  ANNUAL  PERCENTAGE  RATE.  Such  notice  will  also
include the effective date of any increase.
Regular  Monthly  Periodic  Rates:  One  or  more  Monthly  Periodic
Rates  and  corresponding  ANNUAL  PERCENTAGE  RATES  apply  to
your Account, as shown in the accompanying Summary of Terms and
Card Carrier.
Purchases and Balance Transfers:  The Regular Monthly Periodic Rate
and  corresponding  ANNUAL  PERCENTAGE  RATE  applicable  to
Purchases  and  Balance  Transfers  may  vary.    The  Regular  Monthly
Periodic Rate applied in any Billing Cycle to the Average Daily Balance
of Purchases and the Average Daily Balance of Balance Transfers will
be equal to 1/12 of the total of (i) the highest Prime Rate published in
the  “Money  Rates”  section  of  The  Wall  Street  Journal  on  the  last
business day of the calendar month in which the Billing Cycle begins
(or  if  not  published  that  day,  on  the  date  of  its  next  publication

. . . CONTINUED ON REVERSE

 
 
 
following that date), the “Prime Rate,” and (ii) the Margin shown in the
accompanying  Summary  of  Terms.  The  sum  of  the  Prime  Rate  and
the  Margin  will  never  be  less  than  the  Floor  Rate  or  greater  than  the
Ceiling Rate if so indicated on the accompanying Summary of Terms.
The  Prime  Rate  utilized  may  not  be  the  lowest  rate  offered  in  the
market.    The  current  Regular  Monthly  Periodic  Rate(s)  and
corresponding  ANNUAL  PERCENTAGE  RATE(S)  under  the  above
formula  are  shown  on  the  accompanying  Summary  of  Terms.  If  the
Prime  Rate  increases,  the  Regular  Monthly  Periodic  Rate(s)  and
corresponding  ANNUAL  PERCENTAGE  RATE(S)  under  the  above
formula  may  increase.    As  a  result,  the  Interest,  the  Minimum
Payment, and the number of payments may also increase.  Any new
Regular  Monthly  Periodic  Rate(s)  will  apply  to  your  entire  Average
Daily  Balance  of  Purchases  and  your  Average  Daily  Balance  of
Balance  Transfers,  including  both  existing  balances  and  new
transactions, and determined as described above.
Cash  Advances:    The  Regular  Monthly  Periodic  Rate  and
corresponding  ANNUAL  PERCENTAGE  RATE  applicable  to  Cash
Advances  is  a  fixed  rate.    The  Regular  Monthly  Periodic  Rate  and
corresponding  ANNUAL  PERCENTAGE  RATE  applicable  to  your
Average  Daily  Balance  of  Cash  Advances    is  shown  on  the
accompanying Summary of Terms.
Penalty Terms
Penalty Monthly Periodic Rate: Notwithstanding the above provisions
relating  to  Promotional  or  Introductory  Monthly  Periodic  Rates  and
Regular Monthly Periodic Rates,  following the occurrence of either of
the  Penalty  Rate  Conditions  listed  in  the  accompanying  Summary  of
Terms,  the  Monthly  Periodic  Rate  and  corresponding  ANNUAL
PERCENTAGE RATE applicable to each Average Daily Balance of your
Account will be the fixed rate shown as the Penalty Monthly Periodic
Rate  and  corresponding  ANNUAL  PERCENTAGE  RATE  on  the
accompanying  Summary  of  Terms,  but  (with  respect  to  each  such
balance) only if that Penalty Monthly Periodic Rate and corresponding
ANNUAL PERCENTAGE RATE represent an increase over the Monthly
Periodic  Rate  and  corresponding  ANNUAL  PERCENTAGE  RATE  that
would  otherwise  then  apply  to  each  balance.    In  any  event  you  will
receive  applicable  advance  notice  of  any  increase  to  your  Periodic
Rate(s)  and  corresponding  ANNUAL  PERCENTAGE  RATE(S).    Such
notice will include the effective date of any increase.
OTHER CHARGES

In addition to Interest, a variety of fees and charges may be applied to
your Account, as follows:
Annual Membership Fee
If there is an Annual Membership Fee for this Account it will be shown
on the accompanying Summary of Terms.  This fee will be assessed
annually on the anniversary date of your Account.
Late Payment Charge
If we do not receive your Minimum Payment on or before the Payment
Due Date, we will apply a Late Payment Charge to your Account in the
amount shown in the accompanying Summary of Terms.
Overlimit Fee
If you have opted-in for Overlimit coverage and  if your New Balance
exceeds your Credit Line on the Closing Date of the Billing Cycle, we
will apply an Overlimit Fee to your Account in the amount shown in the
accompanying  Summary  of  Terms.    Only  one  Overlimit  Fee  will  be
assessed in any one Billing Cycle regardless of the number of times
that your Account may become Overlimit.
Returned Payment Fee
Should any item in payment of your Account be returned to us unpaid
for any reason, we will apply a Returned Payment Fee to your Account
in the amount shown in the accompanying Summary of Terms.
Documentation Fee
You may request a copy of a statement previously sent to you for a
Documentation  Fee  in  the  amount  shown  in  the  accompanying
Summary of Terms, which will be added to your Account.  Copies of
sales tickets or other items posted to your Account may be obtained
for  a  Documentation  Fee  in  the  amount  shown  in  the  accompanying
Summary  of  Terms,  which  will  be  added  to  your  Account.
Notwithstanding  the  foregoing,  we  will  not  impose  any  fee  in
connection  with  a  good  faith  assertion  of  a  billing  error  or  other
exercise  of  your  Billing  Rights  (see  below  under  “Your  Billing  Rights
Keep This Notice For Future Use”).
LOST CARDS AND UNAUTHORIZED USE
If your Card is lost or stolen or used without your consent, you may
be  liable  for  the  unauthorized  use  of  your  Card,  but  you  will  not  be
liable for unauthorized use that occurs after you notify us orally or in
writing of the loss, theft or possible unauthorized use at: Credit Card
Center, P.O. Box 114, Jackson, MS  39205-0114 or 1-601-949-4462
or  toll  free  at  1-(800)  243-2524.    In  any  case,  your  liability  will  not
exceed $50.
YOUR BILLING RIGHTS

KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act.
Notify Us in Case of Errors or Questions About Your Bill
If you think your bill is wrong, or if you need more information about a
transaction on your bill, please write to us at Credit Card Center, P.O.
Box 114, Jackson, MS 39205-0114. Write to us as soon as possible.
We must hear from you no later than 60 days after we send you the
first bill on which the error or problem appeared. You can telephone us
at 601-949-4462, but doing so will not preserve your rights.
In your letter, give us the following information:
• Your name and Account number.
• The dollar amount of the suspected error.
• Describe  the  error  and  explain,  if  you  can,  why  you  believe
there is an error. If you need more information, describe the
item you are not sure about. 

If you have authorized us to pay your Account bill automatically from your
savings  or  checking  account,  you  can  stop  the  payment  on  any  amount
you  think  is  in  error.    To  stop  payment,  your  letter  must  reach  us  three
business days before the automatic payment is scheduled to occur.
Your  Rights  and  Our  Responsibilities  After  We  Receive Your
Written Notice
We  must  acknowledge  your  letter  within  30  days  unless  we  have
corrected the error by then.  Within 90 days, we must either correct
the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you
question or report you as delinquent.  We can continue to bill you for
the  amount  you  question,  including  Interest,  and  we  can  apply  any
unpaid amount against your Credit Line.  You do not have to pay any
questioned  amount  while  we  are  investigating,  but  you  are  still
obligated to pay the parts of your bill that are not in question.
If we find that we made a mistake on your bill, you will not have to pay
any  Interest related  to  any  questioned  amount.  If  we  did  not  make  a
mistake, you may have to pay Interest, and you will have to make up
any  missed  payments  on  the  questioned  amount.  In  either  case,  we
will send you a statement of the amount you owe and the date that it
is due.
If  you  fail  to  pay  the  amount  that  we  think  you  owe,  we  may  report
you as delinquent.  However, if our explanation does not satisfy you
and  you  write  to  us  within  10  days  telling  us  that  you  still  refuse  to
pay, we must tell anyone we report you to that you have a question
about  your  bill.    And, we  must  tell  you  the  name  of  anyone  we
reported you to. We must tell anyone we report you to that the matter
has been settled between us when it is resolved.
If we do not follow these rules, we cannot collect the first $50 of the
questioned amount, even if your bill was correct.
Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services that you
purchased  with  a  credit  card,  and  you  have  tried  in  good  faith  to
correct the problem with the merchant, you may have the right not to
pay the remaining amount due on the property or services.  There are
two limitations on this right: 
(1) you must have made the purchase in your home state or, if not
within your home state, within 100 miles of your current mailing
address; and 
the purchase price must have been more than $50. 

(2)
These limitations do not apply if we own or operate the merchant, or if
we mailed you the advertisement for the property or services.

OUR RIGHTS, AND HOW THEY AFFECT YOU

Telephone Monitoring
From  time  to  time,  we  may  monitor  telephone  calls  regarding  your
Account with us to assure the quality of our service. You acknowledge
and agree to any such monitoring or recording of telephone calls.
Refunds
If  a  seller  agrees  to  give  a  refund,  you  will  accept  a  credit  on  your
Account instead of a cash refund.
No Waiver of Rights; Disputed Amounts
We  can  accept  late  or  partial  payments  without  losing  any  of  our
rights under  this  Agreement.    You  agree  not  to  send  us  partial
payments marked  “paid  in  full,”  “without  recourse,”  or  similar
language.  If  you send  such  a  payment,  we  may  accept  it  without
losing  any  of  our  rights under  this  Agreement.    All  written
communications concerning disputed amounts, including any check
or  other  payment  instrument  that indicates  that  the  payment
constitutes  “payment  in  full”  of  the  amount owed  or  that  is
tendered with other conditions or limitations or as full satisfaction
of a disputed amount, must be mailed or delivered to Credit Card
Center, P.O. Box 114, Jackson, MS  39205-0114.

Credit Reports and Information
You  authorize  us  to  make  or  have  made  any  credit,  employment,  or
other  investigative  inquiries  we  deem  appropriate  (including  without
limit by obtaining a consumer report) prior to extending credit to you.
You  also  authorize  us  to  make  such  inquiries  and  obtain  consumer
reports when renewing, updating, or collecting on your Account in the
future.  Upon your request, we will tell you whether a consumer report
was  requested  and  the  names  and  addresses  of  any  consumer
reporting agencies that provided such reports.  You are advised that a
negative  credit  report  reflecting  on  your  credit  record  may  be
submitted to a credit reporting agency if you fail to fulfill the terms of
this Agreement.
Notice of Inaccurate Information
If you believe that we have information about you that is inaccurate or
that  we  have  reported  or  may  report  to  a  credit  reporting  agency
information  about  you  that  is  inaccurate,  please  notify  us  of  the
specific information that you believe is inaccurate by writing to us at
Credit Card Center, P.O. Box 114, Jackson, MS  39205-0114.
Collection and Default
Unless prohibited by applicable law, your Account is considered to be
in default if (1) we do not receive at least the Minimum Payment on or
before the Payment Due Date, (2) you try to exceed or do exceed your
Credit Line without permission, (3) you become subject to bankruptcy
or insolvency proceedings, (4) you become subject to attachment or
garnishment  proceedings,  (5)  you  give  us  any  false  information  or
signature,  (6)  you  die,  or  (7)  you  fail  to  comply  with  any  portion  of
this  Agreement.    Our  accepting  a  late  or  partial  payment  does  not
waive the default.  Default on this Account will constitute default on all
accounts  you  hold  with  us,  except  to  the  extent  prohibited  by
applicable law.
Subject to any notice of default and right to cure or other restrictions
of  applicable  law,  if  you  are  in  default,  we  may  declare  the  entire
balance  due  immediately.  Unless  prohibited  by  applicable  law  you
agree  to  pay  our  reasonable  costs  and  attorneys’  fees  related  to  the
collection of your Account.
Change of Terms
Subject  to  the  limitations  of  applicable  law,  we  may,  at  any  time,
change or remove any of the terms and conditions of, or add new
terms or  conditions  to,  this  Agreement.    We  will  send  notice  of
such  a change  to  you  then  in  the  manner  required  by  applicable
law.  As of the effective date, the changed or new terms will apply
to new Purchases and Cash Advances and Balance Transfers made
and/or  posted  to  your  Account  after  such  date,and  also  to  the
outstanding balances(s) of your Account subject to the limitations
of applicable law.

Delay in Enforcement
We can delay enforcing our rights under this Agreement without losing them.
OTHER PROVISIONS

Ownership and Use of Your Card
As  the  Account  Cardholder(s),  you  are  liable  for  all  credit  obtained
under your Account.  If you authorize another person to use your Card
or Check, you are liable for any credit obtained on your Account for as
long  as  that  person  holds  the  Card  or  Check.    In  addition,  you  will
remain  liable  until  you  recover  possession  of  the  Card  or  Check.
Misuse  of  your  Card  by  an  authorized  person  will  not  be  considered
unauthorized use.  See “Lost Cards and Unauthorized Use” above.  All
Cards and Checks issued by us remain our property.  We reserve the
right  to  cancel,  suspend,  recall  or  reissue  any  Card  or  Check  at  any
time  without  prior  notice.    Upon  demand,  you  must  return  any  Card
we supply to you or destroy the Card by cutting it in half immediately.
Checks  must  be  mailed  or  returned  to  us  upon  request.    Cards  may
not be reissued if you move out of our service area.
Internet Gambling Transactions
Internet  gambling  transactions  submitted  for  authorization  will  be
declined.    These  transactions  include,  but  are  not  limited  to,  lottery
tickets,  casino  gambling  chips,  off-track  betting  and  wagers  at
racetracks.  This includes transactions on any Card or Account issued
through us.
Transactions
You will retain for statement verification your copy of each purchase
slip, Cash Advance or other transaction to your Account.
Transfer and Termination of Your Account
You  may  not  transfer  your  Account  to  any  other  person.    We  may
assign your Account to any other person at any time.  Either you or
we  may  terminate  or  suspend  your  credit  privileges  at  any  time.
However,  you  will  remain  liable  for  all  charges  until  they  are  paid  in
full.
Honoring Your Card
We are not liable for the failure or refusal of a merchant, ATM or other
institution to honor your Card. Although you may have credit available,
we will not be liable for the failure to authorize credit due to operational
difficulties  or  mistakes.  Transactions  made  above  a  certain  dollar
amount may require authorization by us before the transaction can be
approved.  In  addition,  we  may  limit  the  number  and  amount  of
transactions approved in one day for security reasons.
Change of Address, Employment and Telephone
We will send all written notices and statements to your address as it
appears on our records.  To avoid delays and missed payments that
could  affect  your  credit  standing,  you  agree  to  advise  us  promptly  if
you change your mailing address, place of employment, or telephone
number.
Severability
In the event that any provision of this Agreement is determined to be
invalid or unenforceable for any reason, the remaining provisions will
remain in effect.
Entire Agreement; Interpretation
This  Agreement  constitutes  the  final  expression  of  the  credit
agreement  between  you  and  us  relating  to  your  Account.    The
headings used in this Agreement are for the convenience of reference
only and are not intended to define or describe the scope or intent of
any portion of the Agreement.
Governing Law
This  Agreement  and  your  Account,  and  any  claim,  dispute  or
controversy  (whether  in  contract,  tort,  or  otherwise)  at  any  time
arising  from or  relating  to  your  Account,  this  Agreement  or  any
transferred  balances,  are  governed  by  and  construed  in  accordance
with applicable federal law and the laws of Mississippi.  The legality,
enforceability  and  interpretation  of  this  Agreement  and  the  amounts
contracted  for,  charged  and  reserved  under  this  Agreement  will  be
governed by such laws.  This Agreement is entered into between you
and us  in  Mississippi.    We  make  decisions  about  granting  credit  to
you from, extend credit to you under this Agreement from, and accept
your payments in, Mississippi.

The card issuer:
Trustmark National Bank
P.O. Box 114
Jackson, MS 39205-0114

February 2010

F03-1842-6 -0210  CP10-77797

Summary of Terms 

Interest Rates and Interest Charges 

Annual 
Percentage 
Rate (APR) for 
Purchases 

APR For 
Balance 
Transfers 

Visa® Platinum 

0.00% Introductory APR for the first six 
billing cycles. After that, your APR will be 
6.40%, 9.40% or 11.40% APR*.  This APR 
will vary with the market based on the Prime 
Rate;*** however, it will never be greater than 
21.00% APR (Ceiling). 
0.00% Introductory APR for the first six billing 
cycles. After that, your APR will be 6.40%, 
9.40% or 11.40% APR*. This APR will vary 
with the market based on the Prime Rate;*** 
however, it will never be greater than 21.00% 
APR (Ceiling). 

MasterCard®
5.90% Introductory APR for the first six billing cycles. 
After that, your APR will be 8.40% on balances >$2,000; 
11.40% APR** on balances <$2000. 
This APR will vary with the market based on the Prime 
Rate;*** however, it will never be greater than 21.00% 
APR (Ceiling). 
8.40% or 11.40% APR** 
This APR will vary with the market based on the Prime 
Rate;*** however, it will never be greater than 21.00% 
APR (Ceiling). 

APR for Cash 
Advances 

19.90% APR 

21.00% APR 

21.00% 
This APR may be applied to your account if you 

1)  Make a late payment 
2)  Make a payment that is returned for any reason 

How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty 
APR will apply until you make six consecutive minimum payments when due. 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on 
purchases if you pay your entire balance by the due date each month. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

If you are charged interest, the charge will be no less than $0.50. 

Penalty APR 
and When it 
Applies 

Paying 
Interest 

Minimum 
Interest 
Charge 

For Credit Card Tips from the Consumer Financial Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 

* Your regular APR for Purchases and Balance Transfers is based on our evaluation of your income and credit information at the time you apply. 
** Your regular APR for Purchases and Balance Transfers is determined for each Billing Cycle by adding a Margin based upon your Outstanding 
Balance to the Prime Rate. 
***The Prime Rate used is the highest “Prime Rate” as published in The Wall Street Journal on the last day of the month in which the Billing Cycle began 
or, if not published that day, on the next day published. 

Fees 

Annual Fee 
Transaction Fees 
  Foreign Transaction 
Penalty Fees 
  Late Payment 
  Over-the-Credit Limit 
  Returned Payment 

None 

3% of each Purchase or Cash Advance transaction amount 

Up to $37 
Up to $37 
Up to $37 

How we will Calculate your Balance: We will use a method called “average daily balance (including new purchases).” See your Cardholder Agreement for more 
details. 

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 

Rev. 3/17/22 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Monthly  Cash  Rebate:  You  will receive  a 1.5%1 Cash Rebate  on  qualifying  gas  and grocery  purchases  and  a 0.50%  Cash Rebate on  all  other  purchases  each 
billing cycle. Your Cash Rebate will be based on the total net Purchases (Purchases less Returns) posted to your Account during your Billing Cycle. Your Cash 
Rebate will be credited to your Credit Card Account, or a Trustmark deposit Account you have designated, by the fifth business day of the following Billing Cycle. 
Should the amount of Return exceed the Purchases during any Billing Cycle, resulting in a credit balance, your Account will be debited accordingly. 

The Cash Rebate is offered at our sole discretion. We may, from time to time and in our sole discretion, change or limit any aspect of the Cash Rebate and its 
rules, restrictions, benefits or features, in whole or in part, including, but not limited to, suspending or terminating all of part of the Cash Rebate, with or without 
prior notice to you (except where required by law). We also reserve the right to add any Program membership or other fees or increase such fees, if any. Our 
decisions regarding the Program are final. 

Terms and Conditions 

Authorization:  When you respond to this credit card offer from Trustmark National Bank ("Trustmark," "we," or "us"), you agree to the following: 

1.  You authorize us to obtain credit bureau reports in connection with your request for an Account. If an Account is opened, we may obtain credit bureau reports 
in connection with extensions of credit or the review or collection of your Account.  If you ask, we will tell you the name and address of each credit bureau 
from which we obtained a report. 

2.  You authorize us to check your credit and employment history and to answer questions about Trustmark's credit experience with you.  You understand that 

3. 

we will retain this application. 
If an Account is opened, you will receive a full Cardholder Agreement and Disclosure Statement with your card(s). By using the Account or any card, or 
authorizing their use, you agree to the terms of the Agreement.  You agree that the Agreement and the Account will be governed by Mississippi and federal 
law. 

4.  You understand that the application for this request contains information that Trustmark is authorized to use, including, but not limited to, the credit bureau 

report(s), in consideration for other bank products/services unless you have advised Trustmark otherwise. 

The CARD Act 2009 requires that you must have the ability to repay this new credit card debt. 

USA Patriot Act: To help government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify and record 
information that identifies each person who opens an Account.  What this means to you:  When you open your Account, we will ask your name, street address, 
date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. 

1 Cash Rebate of 1.5% applies to the Visa Platinum only.  MasterCard Accounts will receive a 0.50% Cash Rebate on all net purchases. 

Rev. 3/17/22