Important Card Safety Tips Keep your Personal Identification Number (PIN) a secret.

Choose a number that is not easily guessed. Never write it down anywhere, or give it to anyone. We will never call or text you asking for the PIN.

Have your Card out and ready to use as you approach the ATM. If you observe suspicious persons or circumstances, it may be safer to go to an alternate ATM location.

If the ATM ever appears to have been damaged or tampered with, do not insert your Card.

Activate Your New Card Now!It’s as easy as 1-2-3

Call 1-866-461-4095 to activate your Card and create your PIN. You’ll need your Card Number, Social Security Number and Date of Birth to activate your Card.

Sign your name on the back of your Card in ink.

Start using your Card immediately anywhere MasterCard® is accepted, including online and for bill payments.

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Maximize Your Benefits!Access Your Account Information:– On the Web at www.EPPICard.com.– Customer Service at 1-866-461-4095.– Instantly through text messaging using your

mobile phone. (fee may apply)

Deposit Notification by Phone or Email:Register your mobile phone to receive deposit notifications and balance alerts at www.EPPICard.com or 1-866-461-4095. (fee may apply)

Shopping Flexibility and Power:Your Card is welcome everywhere MasterCard cards are accepted including grocery stores, restaurants, online/internet retailers, auto service shops, and your favorite retailers.

Convenient Online Shopping:Shop with your favorite online retailer anytime to purchase books, clothing, electronics, gifts, travel, and just about everything.

Dining:Use your Card at your favorite restaurants and cafes.

Pay Bills Online:Use your Card to pay utilities, phone bills, cable TV, and more.

Gas Stations:To buy fuel simply prepay with your Card inside the store. Note that some fuel locations may place a temporary hold on your funds for up to ten days.

Get Cash Back with Purchases:Ask for cash back at your favorite U.S. retailer location and avoid cash access fees.

For Customer Service and Card ActivationCall 1-866-461-409524 Hours a Day / 7 Days a WeekInternational Calls: 1-801-352-3274

Card Account Balance & Transaction History Visit:www.EPPICard.com

Do Not Throw This Card Away!Before using this card, you must call

1-866-461-4095 to select your PIN.

The Mississippi Debit MasterCard® card is issued by Comerica Bank pursuant to a license by MasterCard International Incorporated. MasterCard® and the MasterCard® brand mark are registered trademarks of MasterCard International Incorporated.

www.EPPICard.comMississippi Debit MasterCard® Card

You can use your Card anywhere debit MasterCard cards are accepted. Your Card account is protected by your PIN and is FDIC insured.

05775MSCC04

Payment SolutionsProvided by Xerox

Helpful Hints When Using Your Card!Convenient Online Shopping:Shop with your favorite online retailer anytime, anywhere.

Shop For Everyday Items:Purchase everyday items such as groceries, clothing, and more at your favorite retailers.

Pay Your Bills Online:Visit your biller’s website to pay your bill with your Card.

Deposit Notification and Low Balance Alerts:Sign up at www.EPPICard.com or 1-866-461-4095.

The Mississippi Debit MasterCard® Card is issued by Comerica Bank pursuant to a license

from MasterCard International Incorporated.

Please read the Terms of Use enclosed for information about

cardholder fees

* ATM owners may charge an additional fee called a "surcharge" or "convenience fee”. Read the screen message carefully for information related to surcharges before you press “Enter.” You will have the option to cancel the transaction and go to another ATM. ** You are responsible for all charges and fees imposed by your mobile carrier or internet service providers.Note: “Fee-Free” transactions earned expire at the end of each calendar month if not used.

Attention TANF Recipients: Federal Law prohibits the use of Temporary Assistance for Needy Families (TANF) benefits at the following locations:• any liquor store or retail establishment that mainly

sells liquor; • any casino, gambling casino or gaming

establishment; or • any retail establishment which provides adult-orient-

ed entertainment in which performers disrobe or perform in an unclothed state.

This includes Automated Teller Machine (ATM) withdrawals and Point-of-Sale (POS) purchase transactions. Violator’s benefits will be penalized by the Mississippi Department of Human Services (MDHS).

Avoid Cash Withdrawal FeesAsk for cash back at your favorite U.S. merchant location. Use your “fee-free” cash withdrawals at participating in-network ATMs or MasterCard member teller windows. Avoid additional ATM surcharge fees by using ATM locations displaying these marks:

Optional “Fee-Based” Services

DescriptionATM Withdrawals (In-Network)

ATM Withdrawals (Out-Of-Network)*

International ATM Withdrawal Fee*

International Transaction Fee

Calls to EPPICard Live or Automated Customer ServiceBill Pay via www.EPPICard.comATM Denial (In-Network)

ATM Denial (Out-Of-Network)*

Card Replacement

ATM Balance Inquiry (In-Network)

ATM Balance Inquiry (Out-Of-Network)

Funds Transfer (to a U.S. bank account owned by you) – Via EPPICard Automated Customer Service

Cost/Fee• Three (3) ATM withdrawals for no fee per month at

Hancock Bank, Regions Bank, or Trustmark Bank ATMs• $1.75 for each additional ATM withdrawal• $1.75 for each ATM withdrawal not conducted at Hancock

Bank, Regions Bank, or Trustmark Bank ATMs• $1.75 for each international ATM transaction• International Transaction Fee also applies• 3% of transaction amount for each ATM cash withdrawal,

purchase transaction, or teller-assisted cash withdrawal conducted outside of the U.S.

• Five (5) calls for no fee per month• $0.50 for each additional call• $0.50 for each payment• Three (3) ATM denials for no fee per month at Hancock

Bank, Regions Bank, or Trustmark Bank ATMs• $0.50 for each additional ATM denial• An ATM denial occurs when there are not available funds

to cover your cash withdrawal request• $0.50 for each ATM denial not conducted at Hancock

Bank, Regions Bank, or Trustmark Bank ATMs• An ATM denial occurs when there are not available funds

to cover your cash withdrawal request• One (1) for no fee every 12 month period• $5.00 each additional Card• Standard Delivery (7 to 10 calendar days)• Expedited Delivery (2 to 5 calendar days); $16.00

Expedited Card Delivery Fee also applies• Three (3) ATM balance inquiries for no fee per month at

Hancock Bank, Regions Bank, or Trustmark Bank ATMs• $0.75 each additional inquiry• $0.75 for each ATM balance inquiry not conducted at

Hancock Bank, Regions Bank, or Trustmark Bank ATMs• $1.50 for each funds transfer request

Cash Back With PurchaseOnline Access to Card Account Information – Via www.EPPICard.comLow Balance Alerts**– Email, Phone or Text MessagePurchases at Point-of-Sale (POS) Locations – PIN or SignatureDeposit Notification**– Email, Phone or Text MessageTeller-assisted Cash Withdrawals

• No Fee• No Fee

• No Fee

• No Fee

• No Fee

• No Fee for cash withdrawals at MasterCard Member Bank or Credit Union teller windows located in the U.S.

Optional “Fee-Free” Services

This fee schedule lists the fees that will be withdrawn from your Card account balance, except where prohibited by law.

www.EPPICard.comMississippi Debit MasterCard® Card

Rev. 6/2014