Welcome to BancorpSouth.

Your Customer Resource Guide

Important information about your FNB Bank accounts Table of Contents

Welcome 1–2

What You Can Expect 3

Key Things to Know 4

Deposit Accounts 5–14

Online and Mobile Banking 15–16

Treasury Management 17

Customer Service 18

Loans and Lines of Credit 19

Locations 20

Your Personal Information 21–24

Overdrafts and Overdraft Fees 25–26

Schedule of Fees 27–30

Health Savings Account 31

Common Features Limits and Fees 32

BancorpSouth | Your Customer Resource Guide Welcome

1 Welcome BancorpSouth | Your Customer Resource Guide Our banking family is now your banking family.

On behalf of everyone at BancorpSouth, we welcome you to your new financial home. We are eager to meet you and show you the personal attention that our customers have come to expect.

BancorpSouth is a regional bank that feels like a community bank—because at heart we are a community bank. However, our size allows us to offer you a full range of checking, savings, investment, insurance, wealth management and loan services. BancorpSouth operates more than 300 full-service branch locations as well as additional mortgage, insurance and loan production offices.

Rest assured, you will continue to see the same friendly faces you’ve known for years at FNB Bank, and you’ll find that we share the same commitment to exceptional service. After all, building strong relationships with customers and communities is what BancorpSouth is all about.

As a member of the BancorpSouth family, you now have access to more resources and solutions than ever, all Once again, welcome to BancorpSouth. We look forward designed to make your life easier and better. to serving you soon.

BancorpSouth | Your Customer Resource Guide Welcome 2 What You Can Expect We want to make sure that your transition to BancorpSouth is an easy one. Here’s a quick summary of what will change and what will remain the same.

What’s NEW or CHANGING. What’s NOT CHANGING.

All FNB Bank locations will be referred to as BancorpSouth Good news: There are no changes to most branch hours at the close of business on June 18, 2021. Signage and and locations at this time, and you’ll continue to receive documents will begin to reflect the change at that time. the same great customer service.

If you haven't received your BancorpSouth debit card by For most customers, checking, savings, CD, money market June 14, 2021, please contact your local branch. and loan account numbers will not change. If there is a need to make a change, you will be notified by mail in a Please note, access to the SecurLock Equip app will no separate letter. longer be available beginning June 18, 2021.

Starting June 21, 2021, your ABA routing number will Unless you have been notified that your account number is change as indicated below. Begin using this new routing changing, you may continue to use your existing checks and number on or after June 21, when re-ordering checks or deposit slips until it is time to reorder. establishing new automatic payments. - Accounts opened at the Guntersville, AL location: 062003977 - All accounts opened at other FNB Bank locations: 084201278

Your deposit account(s) will automatically convert to the Checking, savings and money market rates will closely BancorpSouth account that most closely resembles your mirror your current rates. existing account. We have included detailed information for your updated account type(s). All certificate of deposit accounts will maintain the same interest rate until maturity. Please note, the Christmas Club Savings account will be discontinued at the close of business on June 18, 2021. All fixed interest rate loans will remain the same.

If you currently have overdraft protection that is tied to If you currently participate in a courtesy overdraft program, a savings account or line of credit, don’t worry. It will be you will transition to BancorpSouth’s standard overdraft transitioned to BancorpSouth and will remain active. practices in June 2021.

To learn more about overdrafts and your options, review the Overdrafts and Overdraft Fees section of this guide and the About Overdrafts section of the Terms and Conditions brochure.

3 What You Can Expect BancorpSouth | Your Customer Resource Guide Key Things to Know Our goal is to make your transition to BancorpSouth as smooth as possible. Toward this goal, we will keep you informed every step of the way. Please review the following for important information regarding your transition. If you have any questions, please contact your local banker, visit your nearest branch or learn more at BancorpSouth.com/FNBBank-FAQ. We appreciate your business.

Merger. FNB Bank joining the BancorpSouth family allows FDIC. Your deposit accounts will continue to be us to serve more customers throughout the state and region insured by the FDIC. The standard FDIC insurance amount with even greater efficiency and convenience. is $250,000 per depositor, per insured bank, for each ownership category. During the first six months after merger, your transferred deposits will be separately DATES insured from any accounts you may already have had at BancorpSouth. This period allows you to evaluate your Integration. Integration refers to the necessary account structure and maximize FDIC insurance coverage. changes to our banking systems to ensure that your account information is transferred into the BancorpSouth system. This transition will take place over the integration weekend, and this is when your FNB Bank accounts will become BancorpSouth accounts. ATM. If you currently have a FNB Bank debit card or ATM Card, you can use it at any BancorpSouth ATM with no service fee beginning in May.

Day-To-Day Banking. For now, please continue to bank as you always have. Online Banking. You will receive a separate communication with details and important dates for the transition to BancorpSouth's online banking services. For now, please continue to use online banking as you always have.

Safe Deposit Box. Unless you are notified otherwise, you will continue to use your current safe deposit box uninterrupted. At the time of renewal for your safe deposit box, BancorpSouth standard safe deposit box fees will apply. You will receive an annual billing notice informing you of the safe deposit box rate.

BancorpSouth | Your Customer Resource Guide Key Things to Know 4 Deposit Accounts

Your FNB Bank deposit accounts will soon transition to BancorpSouth. We’re working hard to make everything easy for you and ensure that you’re happy with your new BancorpSouth accounts. As part of the transition, we review the type of account(s) you currently have with FNB Bank and match them to a similar account type at BancorpSouth. Your account type(s) will transition to a BancorpSouth account(s) the weekend of June 18, 2021. Please review the chart below to find your new account name. Your current FNB Bank account name may be located on your monthly account statement or within online banking. If you feel a different account would better suit your needs, please contact your local branch on or after integration weekend.

Personal Account Types

FNB Bank Account transitions to BancorpSouth Account

First Checking Employee > My Way Checking First Choice Checking > My Way Checking4 FNB Checking > My Way Checking2 FNB Team Account > My Way Checking4 Interest Checking > Interest Plus Checking Prestige 55 Checking > My Way Checking2 Prestige 55 Interest Checking > Heritage Checking4 Prestige Plus Employee > My Way Checking Select Checking > Performance Checking Student Checking > My Way Checking for Students (students under age 25) > My Way Checking (account-holders 25 years or older) Super Select Checking > Performance Checking Basic Savings > My Goal Savings2 Christmas Club Savings > My Goal Savings3 First Rate Money Market > Special Rate Money Market FNB Premium Money Market > Money Market Select2 Health Savings Account (HSA) > Health Savings Account (HSA)1 Money Market Account > Money Market Select2

To provide adequate time for you to get acquainted with your BancorpSouth deposit accounts and make any necessary changes, any monthly deposit account fees will be waived for the first full statement cycle after the system integration.

1 Monthly fee waived 2 Monthly fee waived for 3 full statement cycles 3 Monthly fee waived for 6 full statement cycles 4 Information about additional features (including AD&D and ID Theft Insurance) to be mailed

5 Deposit Accounts BancorpSouth | Your Customer Resource Guide Business Account Types

FNB Bank Account transitions to BancorpSouth Account

Business Analysis Checking > Commercial Checking Business Interest Checking > Business Interest Checking3 Church Accounts > Non-Profit Checking FNB Business Checking > eBusiness Checking3 IOLTA > IOLTA1 Non-Profit Checking > eBusiness Checking2 Non-Profit Interest Checking > Non-Profit Checking Business Savings > Business Savings3 Business Money Market > Business Select Money Market

Public Fund Account Types

Public Funds Checking > Public Fund Non-Interest Checking3 Public Fund Interest Checking > Public Fund Checking Plus

To provide adequate time for you to get acquainted with your BancorpSouth deposit accounts and make any necessary changes, any monthly deposit account fees will be waived for the first full statement cycle after the system integration.

1 Monthly fee waived 2 Monthly fee waived for 3 full statement cycles 3 Monthly fee waived for 6 full statement cycles

BancorpSouth | Your Customer Resource Guide Deposit Accounts 6 Personal Accounts Summary Personal Checking

Below is a comparison of the personal account options offered by BancorpSouth. For additional details and fees that may apply, please refer to the Schedule of Fees for Personal Accounts included on pages 29-31 and the Common Features (Fees and Limits) on page 32 of this guide for more information. These BancorpSouth services are available at no additional charge with your personal checking account: • Online Banking with Bill Pay • Mobile Banking5 • eStatements • Debit Card

My Way Checking Interest Plus Checking Performance Checking Heritage Checking Budget Smart Checking

Description Great for everyone & Earns tiered interest Earns higher rates of Great for seniors (62+) For anyone preferring students under 25 interest safeguards to avoid overspending

Avoid Service Charge $100 minimum daily $1,000 minimum $1,000 minimum daily $500 minimum No requirements; By Meeting These balance or five (5) debit daily balance balance or meet Higher daily balance monthly service charge Monthly Requirement(s) card purchase transactions Rate requirements3 applies or at least one1 Direct Deposit of $100 or more

Monthly Service Charge $5, or $0 for students $10 $10 $8 $5 (flat fee - no options If Requirements under 251 to waive) Are Not Met

Interest Earned* No Tiered Rates2 Higher Rate3 Yes No

Monthly Statement $0 - Online Statements4 No fee for online or $0 - Online Statements4 No fee for online or No fee for online or Fees $2 - Paper Statements paper statements $2 - Paper Statements paper statements paper statements $4 - Paper Statements $4 - Paper Statements with Images with Images No fee with $500 balance No fee with $500 balance

Overdraft Protection Available6 Available6 Available6 Available6 No9; see Additional Features

Additional Features Students receive first box – Up to 5 ATM refunds when Travel and entertainment Overdraft Avoidance9 - of 25 checks printed at requirements are met3 discounts, plus insurance helping you spend only no charge8 and free checks7 the money available in your account by declining most transactions that exceed that amount

*Interest bearing checking accounts earn interest, which are determined solely by the Bank and subject to change weekly.

Disclaimers: (1) The student waiver is available upon request for students under age 25. The student waiver will automatically be removed and you will be subject to the My Way monthly service charge requirements, beginning with the first monthly statement cycle following your 25th birthday. Students must be at least 18 to have a single-party account. All students under the age of 18 must have a parent or guardian as a multiple- party account owner. If residing in Alabama, students under the age of 19 must have a parent or guardian as a multiple-party account owner. (2) Interest is earned on the Interest Plus Checking account according to the following tiers: $0 – $4,999.99; $5,000 – $9,999.99; $10,000 – $24,999.99; $25,000 – $49,999.99; $50,000 – $99,999.99; $100,000 +. (3) The Higher Rate is paid on Performance Checking account balances from $0- $30,000, and non-BancorpSouth ATM fee refunds and credits (a total of $4.00 for each of the first five non-BancorpSouth ATM transactions each statement cycle) are given at the end of each statement cycle, when all of the following three requirements are met during a statement cycle: 1. Have at least one ACH debit or credit. 2. Have at least 12 debit card purchase transactions. 3. Receive online statements instead of paper statements by regular mail. If you do not meet all three requirements during the statement period, you will earn the Standard Rate on all balances. The Standard Rate is always paid on that portion of Performance Checking account balances over $30,000, even if the three requirements have been met. The Standard Rate is also paid on balances from $0-$30,000 for the entire statement cycle if any of the three requirements are not met for the Higher Rate at any time during the statement cycle. Rates are subject to change at the bank’s discretion. Fees may reduce earnings. Maintain a minimum balance of $1,000 or meet the Higher Rate requirements to avoid $10 monthly fee. (4) Account must be enrolled in BancorpSouth Online Banking to receive online statements. Monthly paper statement fee is avoided with a minimum daily balance of $500. (5) Carrier data charges may apply. The BancorpSouth Mobile Banking App is available for iPhone®, iPad® and Android™ devices. Visit the iTunes Store or the Android™ Market to download your app today. If you do not have an iPhone or Android device, you can access Mobile Banking by going to bancorpsouth.com/mobile after enrolling. (6) Overdraft protection requires either a BancorpSouth Credit Card or Equity Credit Line (both subject to credit approval). (7) Heritage Checking customers receive one box free per year of special member checks and 50% off any other check offer. Accounts that receive free checks are required to pay tax and shipping on the check order. (8) Accounts that receive free checks are required to pay tax and shipping on the check order. Students are eligible to receive the first box of 25 checks at no charge, or 50% off of a collegiate check style (first order only). (9) BancorpSouth’s Budget Smart Checking product is not eligible to participate in BancorpSouth’s overdraft services including, but not limited to, overdraft protection services. Those services are discretionary and do not apply to Budget Smart Checking accounts and you will not be allowed to opt-in for such services. BancorpSouth will decline or return transactions when you do not have enough money in your account to cover the amount of the transaction. While this prevents you from overdrawing your account in most cases, there may still be times when your account could have a negative balance. In instances where transactions cause you to have a negative balance or where items you issue are returned unpaid, BancorpSouth will not charge you overdraft or insufficient funds fees. If you do have a negative balance, you will be obligated to repay the overdrawn amount.

7 Deposit Accounts BancorpSouth | Your Customer Resource Guide Personal Accounts Summary Personal Savings | Money Market Account

These features apply to your personal savings or money market account: • No minimum balance is required to earn interest • Free paper or eStatements are available

My Goal Savings Performance Savings Select Savings Money Market Select Young Savers

Description Great for all savings Earn higher rates Earn more interest Earn interest with easy Great for kids* of interest** access to your money

Avoid Service Charge $100 minimum $50 minimum $1,000 minimum $10,000 minimum None By Meeting These daily balance daily balance daily balance daily balance Monthly Balance Requirement(s)

Service Charge If $5 Monthly $2.50 Monthly $15 Quarterly $10 Monthly $0 Minimum Balance Requirements Are Not Met

Interest Paid Monthly1 Monthly1 Quarterly1 Monthly1 Quarterly1

Withdrawals Permitted up to six Permitted up to six Permitted up to six Permitted up to six Permitted up to six withdrawals per withdrawals per withdrawals per withdrawals per withdrawals per month2 month2 month2 month2 month2

Paper Statement Monthly Monthly Quarterly Monthly Quarterly Received

Additional Features/ – Earn a higher rate of A monthly statement, Check access is available A monthly statement, Information interest on balances reflecting all activity reflecting all activity of $0-$100,000 when since the previous since the previous prerequisites are met** month, is provided month, is provided if an ATM or Debit if an ATM or Debit transaction occurs3 transaction occurs3

(1) Interest is determined solely by the Bank and is subject to change. Accrued interest is available for closing withdrawals. Refer to the Schedule of Fees for Personal Accounts included in this guide for interest calculation methods and any applicable tiers. (2) You may make up to six nonexempt withdrawals or transfers per month or statement cycle of at least four weeks, as applicable, without incurring a fee. Refer to the Schedule of Fees for Personal Accounts included in this guide for more information. (3) This "Memo" statement does not affect the quarterly interest payment schedule.

*With the Young Savers account, a parent or legal guardian is required to hold the account jointly with the minor if the minor is to have access to the account. When a minor reaches 18, the account will convert to My Goal savings account.

**Earn the Higher Rate on balances of $100,000 or less during each interest cycle when you have both a combined statement and make a minimum of $50 in total deposits into your Performance Savings account through either Online Banking transfer or ACH deposit. If you don't meet these prerequisites, you will earn the Standard Rate for the interest cycle. The Standard Rate always applies on balances over $100,000.

BancorpSouth | Your Customer Resource Guide Deposit Accounts 8 Business Account Summary Business Checking

Below is a comparison of the business account options offered by BancorpSouth. For additional details/fees that may apply and information about Public Fund accounts, please refer to the Schedule of Fees for Business and Other Non-Personal accounts included on pages 27-30 and the Common Features (Fees and Limits) on page 32 of this guide for more information. These BancorpSouth services are available at no additional charge with your business checking account: • eStatements • Debit Card

e-Business Checking Business Checking Plus Commercial Checking Business Interest Checking Non-Profit Checking

Description Great for growing Simplify your business Great for large For sole proprietors Great for non-profits businesses businesses

Avoid Service Charge $500 minimum daily $5,000 minimum N/A $5,000 minimum $100 minimum By Meeting These balance or 5 debit card daily balance or 10 daily balance or 10 daily balance or 10 Monthly Requirement(s) purchase transactions debit card purchase debit card purchase debit card purchase transactions transactions transactions

Monthly Service Charge $10 $20 $15 $10 $10 If Requirements Are Not Met

Interest Earned No No No Tiered Tiered

Transactions (Credits, 225 transactions 500 transactions $0.16 per debit posted; 50 transactions per 100 transactions Debits and Deposited per month included per month included $0.30 per credit; See month included per month included Items) — each additional — each additional Account Analysis Fee — each additional — each additional transaction is $0.50 transaction is $0.50 Schedule for deposited transaction is $0.35 transaction is $0.35 item fees2

Earnings Credit Rate N/A N/A Yes 1 N/A N/A

Monthly Statement Fees $0 - Online Statements $0 - Online Statements $0 - Online Statements $0 - Online Statements $0 - Online Statements $2 - Paper Statements3 $2 - Paper Statements3 $0 - Paper Statements $0 - Paper Statements $0 - Paper Statements $4 - Paper Statements $4 - Paper Statements with Images with Images with Images with Images3 with Images3 $0 - Account Analysis No fee with $500 No fee with $500 Statement balance balance

Disclaimers: (1) Additional fees may apply per deposit item depending on the type of item; please see the Business Account Information Statement for more details. (2) Monthly assessment on the average ledger balance. A credit, to offset service charge, is calculated on the investable balance (if average collected balance is positive). The investable balance is the average collected balance less 10%. (3) Paper statement fee is avoided with a minimum daily balance of $500.

9 Deposit Accounts BancorpSouth | Your Customer Resource Guide Business Account Summary Business Savings | Money Market Account

These features apply to your business savings or money market account: • Competitive interest rates • Free online statements • Immediate deposit and withdrawal access

Business Savings BusinessSelect Money Market

Description Keep your money secure with easy access to your Earn higher interest rates without ever losing access funds when you need them to your money

Avoid Service Charge By Meeting These $500 minimum daily balance or $50 or more in $10,000 minimum daily balance Monthly Requirement(s) monthly online transfers from a BancorpSouth checking to savings through Online Banking

Service Charge If Minimum Balance $10 $10 Requirements Are Not Met

Interest Paid Monthly Monthly3

Withdrawals $5 for each additional withdrawal/debit transaction $10 for each additional withdrawal/debit over six per month1 transaction over six per month1

Paper Statement Received Monthly Monthly

Statement Fee $0 - Online Statements2 $0 - Online Statements $2 - Paper Statements $0 - Paper Statements with Images $4 - Paper Statements with Images No fee with $500 balance

Disclaimers: (1) You may make up to six nonexempt withdrawals or transfers per month or statement cycle of at least four weeks, as applicable, without incurring a fee. Refer to the Schedule of Fees for Personal Accounts included in this guide. (2) Paper statement fee is avoided with a minimum daily balance of $500. (3) The BusinessSelect Money Market account earns interest at a competitive rate determined solely by the Bank and is subject to change weekly. Interest is earned daily on the collected balance at each balance tier using the daily balance method and is credited and compounded monthly at statement time. Interest is paid individually for each balance tier, and the account’s overall annual percentage yield (APY) is the average of the interest paid at each balance tier equaling a blended APY. If the account is closed before interest is credited, you will receive the accrued interest for that period.

BancorpSouth | Your Customer Resource Guide Deposit Accounts 10 Additional Information

Please review the information below for additional details about your account and related services.

Account and Routing Number. Debit Card.

Your account number will not change unless you have been You will receive a new BancorpSouth debit card in the mail notified otherwise. Starting June 21, 2021, your routing before June 14, 2021. No activation is required. Begin using number will change as indicated below. Begin using this your new BancorpSouth debit card on June 21, 2021. Your new routing number on or after June 21, 2021, when re- FNB Bank debit card will be deactivated at that time. Unless ordering checks or establishing new automatic payments. you are notified otherwise, your current FNB Bank debit Please do not make any routing number changes at card personal identification number (PIN) will transfer to your this time. We’ve taken the steps necessary to ensure your new BancorpSouth debit card. If you haven’t received your current routing number (and current checks) will continue BancorpSouth debit card by June 14, 2021, please contact to work for existing payments and direct deposits such as your local branch. payroll or Social Security.

BancorpSouth Routing Number - Effective on or after June 21, 2021 - Accounts opened at the Guntersville, AL location: 062003977 - All accounts opened at other FNB Bank locations: 084201278 The following limits apply per card per processing day:

If you received notice that your account number will Transaction Type Daily Limit change, update all automatic payments and direct deposits with your new account and routing number to be effective ATM withdrawals $400.00 (or your available on or after June 21, 2021. balance if less than $400.00)

Point-of-sale terminals $10,000.00 (or your available balance if less than $10,000.00)

For additional terms and conditions, please review the For example: your employer, Social Security or any other BancorpSouth ATM card and Mastercard debit card organization making direct deposits into your account; anyone disclosure included with your new card. who automatically takes payments out of your account each month such as a utility bill or gym membership.

11 Deposit Accounts BancorpSouth | Your Customer Resource Guide Statement. Checks.

All FNB Bank deposit account customers will receive a If there is NO change to your account number, you may final statement by mail that is reflective of the final activity continue using your existing checks and deposit slips until and balance on FNB Bank systems. Please retain it for your they are gone. When it is time to reorder your checks, you records. After that, your BancorpSouth statement schedule may do so at BancorpSouth.com or your local branch. will be similar to what you have now. You will continue to receive images of your checks with your BancorpSouth statements.

If you received notice that your account number will change, you will receive a complimentary book of new checks with your new BancorpSouth account number and Overdraft Protection. should begin to use those on or after June 21, 2021. For future orders, you will need to reorder checks with your If you currently have overdraft protection that is tied to a new BancorpSouth account number. Checks that are in savings or line of credit account, it will be transitioned to circulation prior to the system conversion will post to your BancorpSouth and will remain active. account without a problem.

Certificate of Deposit (CD) or Individual Retirement Account (IRA).

You will keep your current interest rate on your existing CD To learn more about overdrafts and your options, review or IRA. At maturity, you will receive advance notice that the Overdrafts and Overdraft Fees section of this guide your CD or IRA will renew under the terms and conditions and the About Overdrafts section of the Terms and offered by BancorpSouth at that time. If your CD and IRA Conditions brochure. account numbers need to change, you will be contacted by BancorpSouth. Early withdrawal penalties may apply if money is withdrawn before the maturity date.

BancorpSouth | Your Customer Resource Guide Deposit Accounts 12 Funds Availability Information

Application of Deposits Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit.

Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

Determining Availability For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

For example: If you make a deposit at an ATM before 12:00 noon on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 12:00 noon or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept a check for deposit that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposited will not be paid. 2. You deposit checks totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six months. 5. There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

13 Deposit Accounts BancorpSouth | Your Customer Resource Guide Wire Transfers

BancorpSouth accepts wire transfer requests made in-person at any convenient BancorpSouth location, taken via telephone by the Wire Transfer Group (confirmed by the applicable security option chosen by the customer), or submitted via BancorpSouth Commercial Center. Customers who would like to make wire transfer requests by telephone should ask a branch representative about a Wire Transfer Agreement. BancorpSouth does not accept wire transfer requests submitted via facsimile or email. Wire transfers may be submitted (with applicable fees included) up to the available cash balance within the designated account. Please refer to the Common Features (Fees and Limits) on page 32 of this guide for a list of applicable fees.

Cutoff Times Wire transfer payments will be processed the same day if received by 4:00 p.m. Monday through Friday. Tax payments and consumer foreign currency wires should be requested by 3:30 p.m. Monday through Friday.

Incoming Wire Transfers To ensure that wire transfers are properly credited to your account, please inform the originator of the wire transfer of the following information to be effective as of June 21, 2021:

Domestic Wire Transfers 1. Bank Name: BancorpSouth 2. Bank ABA Number: 084201278 3. Bank Location: Tupelo, MS 4. BancorpSouth Customer’s Account Number 5. BancorpSouth Customer’s Name on the Account

International Wire Transfers 1. Intermediary Bank: Wells Fargo Bank Intl 2. Intermediary Bank Location: San Francisco, CA 3. Intermediary Bank Swift: WFBIUS6S 4. Beneficiary Bank: BancorpSouth 5. Beneficiary Account: FW//084201278 6. Further Credit/Reference: BXS Customer Name and Account Number

BancorpSouth | Your Customer Resource Guide Deposit Accounts 14 Online and Mobile Banking

Welcome to BancorpSouth Online Banking. We are confident that you will find it convenient, efficient and user-friendly. If you are currently an active user of FNB Bank Online Banking, you will receive a separate communication with details and important dates for the transition to BancorpSouth Online Banking or Commercial Center. For now, please review the information below (or the Treasury Management section) and continue to use online banking as you always have. To learn more about BancorpSouth Online Banking and view instructional videos, please visit BancorpSouth.com/landing/connecting-you.

To ensure you don’t miss any important messages, please log in to your FNB Bank Online Banking account to review / update your contact information.

IMPORTANT TRANSITION INFORMATION. You will need to enroll in BancorpSouth Online Banking following integration weekend. Whether you use the mobile app or desktop online banking now, your initial login to BancorpSouth Online Banking may be through a web browser or the MyBXS Mobile App.

To Enroll in BancorpSouth Online Banking from a Desktop Computer:

1. On or after June 21, go to BancorpSouth.com. 2. In the top right of the screen, see “Login to Online Banking” and select “Enroll.” 3. Review the Customer Agreement and Disclosure Statement. When finished, click accept to proceed. 4. Once you complete enrollment, you can then re-establish the following: a. Your alerts and preferences b. All bill payments c. Any internal or external transfers

*If you currently have online banking access through National United, you will receive your customer number by mail to streamline the enrollment process with BancorpSouth Online Banking.

15 Online and Mobile Banking BancorpSouth | Your Customer Resource Guide Security Questions Security questions will be added as a part of the BancorpSouth Online Banking enrollment process. If you need to make a change to your security questions you can do so after a successful login. You will be prompted to set a permanent password, security questions and answers. These questions and answers are for your protection and will be used in verifying your account access.

If you need to update your security questions, you can do so through the following steps: 1. After logging into BancorpSouth Online Banking, select Profile. 2. Select Change Security Questions from the User Profile drop down menu. 3. From here you will be able to change or update any of your questions. 4. Please do NOT use special characters in your answers.

Updating Quicken Please see our online guide for updating Quicken at BancorpSouth.com/Quicken.

MyBXS Mobile App You will have access to view your account information through the MyBXS Mobile app. The app is compatible with iPhone or Android devices. Visit the appropriate app store to download.

Online Account Once enrolled in BancorpSouth Online Banking, you will have access to your future BancorpSouth Statements and online statements. You will also receive email notifications from [email protected] when Notices your BancorpSouth online statements are made available.

Bill Pay Once enrolled in BancorpSouth Online Banking, you will be able to access bill pay, establish payees and schedule payments.

Zelle® Enroll with Zelle in BancorpSouth Online Banking or with the MyBXS Mobile Banking App by selecting Zelle and following the steps as prompted to get started.

BancorpSouth | Your Customer Resource Guide Online and Mobile Banking 16 Treasury Management Services Business customers that require complex services (such as ACH, online wire or positive pay) will transition to BancorpSouth Commercial Center. Additional information and login instructions will be mailed to you, and a Treasury Management Specialist will be in touch to assist with the transition to the appropriate online service.

Your Treasury Management Specialist will also be able to provide additional information about the following BancorpSouth services:

Automated Clearing Commercial Center ACH allows customers to submit electronic debits and credits to facilitate House (ACH) cash concentration, pre-authorized payments (direct billing), direct deposits, state and federal withholding tax payments and corporate trade payments.

Online Wire Transfer Our Commercial Center Wire Transfer Module allows customers to directly generate their own domestic and international wire transfers from the comfort and security of their own offices, at a reduced per-wire cost.

Lockbox Processing Turn your accounts receivables into usable cash quickly, efficiently and accurately with Lockbox Processing from BancorpSouth. We can even provide custom lockbox services tailored to your business’s needs, accelerating the conversion process while reducing your office’s workload.

Positive Pay Positive Pay is a service designed to combat check fraud. Fraudulent and duplicate checks can be identified much more quickly when check serial numbers, amounts and payees are reviewed as the checks are presented for payment. ACH Positive Pay is also available.

Remote Deposit With Remote Deposit Capture, you can eliminate the need to make regular trips to the bank to Capture deposit checks through the use of a desktop scanner in your office.

And Much More... Additionally, BancorpSouth offers account reconciliation, automated loan services, controlled disbursement, zero balance accounts, and more. Ask your Account Officer for more information.

17 Treasury Management Services BancorpSouth | Your Customer Resource Guide Customer Service Customer service is important to you, and that makes it important to us. After all, serving customers is what BancorpSouth is all about.

Effective Sunday, June 20, 2021, you will have access to BancorpSouth Customer Service, or Infoline, which provides automated 24-hour access to your account information. Here you can check your account balance, review your transactions, transfer funds, make payments, report lost or stolen cards, and more.

Customer Service Infoline: 1-888-797-7711 The first time you use the automated service, you will Live Representatives Available: be asked to enter your Social Security number (SSN) Monday-Friday Saturday -OR- your Customer Number (which will be provided 7:00 a.m. to 8:00 p.m. 7:00 a.m. to 5:00 p.m. to all online banking users), plus, your date of birth and a valid account number. Once confirmed, you will Special Hours, Sunday, June 20, 2021, be prompted to select a four-digit Telephone Access from 11:00 a.m. to 5:00 p.m. Code. Be sure to remember your new four-digit Telephone Access Code for future Infoline calls.

BancorpSouth | Your Customer Resource Guide Customer Service 18 Loans and Lines of Credit If you have existing loans or lines of credit with National United, don’t worry. We’re here to make your transition to BancorpSouth smooth, easy and hassle-free.

Terms for fixed interest rate loans will remain the same. You can continue to make personal and commercial loan payments at the branch location nearest you. If mailing payments on or after June 19, 2021, please send to the relevant address below:

Commercial/Personal Loan Payments BancorpSouth Bank Post Office Box 789 Tupelo, MS 38802

Mortgage Loan Payments BancorpSouth Bank Post Office Box 3356 For questions, please contact BancorpSouth Customer Service at 1-888-797-7711 from Tupelo, MS 38803 7:00 a.m. to 8:00 p.m. Monday-Friday and from 7:00 a.m. to 5:00 p.m. on Saturday.

19 Loans and Lines of Credit BancorpSouth | Your Customer Resource Guide Locations More locations mean more convenience for you. With the addition of FNB Bank, BancorpSouth will offer access to more than 300 full-service branch locations and 240 ATM locations. For a complete listing of ATMs, branch locations, hours and phone numbers, please visit BancorpSouth.com.

BancorpSouth | Your Customer Resource Guide Locations 20 Your Personal Information Important information about what BancorpSouth Bank and BXS Insurance, Inc. (Collectively, BancorpSouth) do with your personal information.

Please read this notice carefully to understand what we do.

Who? This notice is provided by BancorpSouth Bank and BXS Insurance, Inc.

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Your choices will apply to everyone on your account.

Federal law gives you the right to limit only: • Sharing for affiliates’ everyday business purposes — information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and assets; • Transaction or loss history and income; and • Credit history and credit scores

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

When? We collect your personal information when you: • Open an account or apply for a loan, credit card or insurance • Make deposits or withdrawals from your account or use your debit or credit card • Seek advice about your investments or insurance

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section on the following page, we list the reasons why financial companies can share their customers’ personal information, the reasons BancorpSouth chooses to share and whether you can limit this sharing.

21 Your Personal Information BancorpSouth | Your Customer Resource Guide Reasons we can share your personal information Does BancorpSouth share? Can you limit this sharing?

For our everyday business purposes Yes No Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes Yes No To offer our products and services to you

For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes Yes No Information about your transactions and experiences

For our affiliates’ everyday business purposes Yes Yes Information about your creditworthiness

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include BXS Insurance, Inc.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include third parties that are not members of our corporate family, but with which we may have or develop business relationships, such as check printers, insurance companies, government agencies, brokerage firms, credit bureaus, direct marketing companies, and companies that assist in servicing your loan(s) or account(s) with us.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include financial service institutions such as insurance companies and financial product or service marketing companies.

BancorpSouth | Your Customer Resource Guide Your Personal Information 22 To limit our sharing. Mail the form on the following page. →

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we send this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions? Call Toll-Free 888-797-7711

23 Your Personal Information BancorpSouth | Your Customer Resource Guide Personal Information Sharing: Mail-In Form

Mark any/all you want to limit: Do not share information about my creditworthiness with your affiliates for their everyday business purposes. Do not allow your affiliates to use my personal information to market to me. Do not share my personal information with nonaffiliates to market their products and services to me.

Please Print Last Name:

First Name: Middle Initial:

Mailing Address 1:

Mailing Address 2:

City:

State: Zip Code:

Social Security Number (Last 4 digits)

Mail Form To: BancorpSouth Attn: Customer Privacy 2910 W Jackson Street Tupelo, MS 38801 Overdraft Authorization: Mail-In Form

By returning this form, you indicate that you want BANCORPSOUTH BANK to authorize and pay overdrafts on your ATM and everyday debit card transactions with respect to the account(s) identified below.

Please Print Last Name:

First Name: Middle Initial:

Mailing Address 1:

Mailing Address 2:

City:

State: Zip Code:

Social Security Number (Last 4 digits)

Acct Number 1 (Last 4 digits) Acct Number 3 (Last 4 digits)

Acct Number 2 (Last 4 digits) Acct Number 4 (Last 4 digits)

Mail Form To: BancorpSouth Attn: Customer Service Overdrafts 2910 W Jackson Street Tupelo, MS 38801 Overdrafts and Overdraft Fees This notice explains our standard overdraft practices. For additional information, review the About Overdrafts section of the Terms and Conditions booklet included in this package.

(Excludes Budget Smart Checking which is not eligible to participate in BancorpSouth’s overdraft services including, but not limited to, overdraft protection services.)

What is an Overdraft? An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

What are my options? We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account. 2. We also offer one or more overdraft protection plans, such as a line of credit or a link to another account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

What are the standard We do authorize and pay overdrafts for the following types of transactions: overdraft practices that • Checks and other transactions using your checking account number come with my account? • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below): • ATM transactions • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged Under our standard overdraft practices: if BancorpSouth pays my • We will charge you a fee of $36 each time we pay an Overdraft item. However, if the day's ending overdraft? balance is overdrawn by $5 or less, the fee is $2 each time we pay an Overdraft Item. • Also, if your account is overdrawn for 10 or more consecutive days, we will charge an additional Continuous Overdraft Fee of $36 on the 10th consecutive day your account continues to be in overdraft. • The maximum number of overdraft fees that we can assess is limited to 8 per day.

What if I want If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions: BancorpSouth to authorize • Call 888-797-7711 or and pay overdrafts on my • Mail the form on the previous page. → ATM and everyday debit card transactions?

BancorpSouth | Your Customer Resource Guide Overdrafts and Overdraft Fees 26 Schedule of Fees Business and other Non-Personal Accounts

THIS DISCLOSURE OF FEES AND CHARGES APPLIES TO ACCOUNTS AT BANCORPSOUTH BANK (“BANK”) AND IS EFFECTIVE AS OF AUGUST 1, 2020, FOR BUSINESS & COMMERCIAL ACCOUNTS, PUBLIC FUND ACCOUNTS, AND COMMERCIAL ACCOUNT ANALYSIS FEES. BUSINESS ACCOUNTS TRANSACTION LIMIT...... 100 free transactions per month (debits, credits, items deposited) e-Business Checking FEE PER TRANSACTION OVER TRANSACTION LIMIT...... $0.35 e-Business Checking is our basic business checking account that can be your low/ no cost business checking solution when prerequisites are met. BusinessSelect Money Market MINIMUM OPENING DEPOSIT...... $50.00 BusinessSelect Money Market Account is a tiered interest rate money market MONTHLY SERVICE CHARGE...... $10.00 account available to business customers. Monthly service charge can be avoided with a minimum daily ledger balance of THE INTEREST RATE TIERS FOR BusinessSelect MONEY MARKET ARE AS FOLLOWS: $500 or 5 debit card purchase transactions during your monthly statement cycle. Balances of $0 to $9,999.99 TRANSACTION LIMIT...... 225 free transactions per month Balances of $10,000 to $24,999.99 (debits, credits, items deposited) Balances of $25,000 to $49,999.99 FEE PER TRANSACTION OVER TRANSACTION LIMIT...... $0.50 Balances of $50,000 to $99,999.99 ONLINE STATEMENT...... $0.00 Balances of $100,000 to $149,999.99 MONTHLY TRUNCATED PAPER STATEMENT FEE...... $2.00 Balances of $150,000 to $499,999.99 MONTHLY IMAGE PAPER STATEMENT FEE...... $4.00 Balances $500,000 and above Either paper statement fee can be avoided with a minimum daily ledger balance Your account earns interest at rates determined solely by the Bank and are of $500 or more during a monthly statement cycle. subject to change weekly. Interest is accrued on the collected balance using the daily balance method. Interest is accrued on a daily basis and is credited and Business Checking Plus compounded monthly. If you close your BusinessSelect Money Market Account Business Checking Plus is our middle tier business checking account that can be before the interest is credited, you will receive the interest through the date of your low/no cost business checking solution when prerequisites are met. closing. A total of six withdrawals may be made each month. MINIMUM OPENING DEPOSIT...... $50.00 MINIMUM OPENING DEPOSIT...... $1,000.00 MONTHLY SERVICE CHARGE...... $20.00 MONTHLY SERVICE CHARGE WITH A MINIMUM DAILY LEDGER BALANCE OF: Monthly service charge can be avoided with a minimum daily ledger balance of $10,000 or More...... NONE $5,000 or 10 debit card purchase transactions during your monthly statement cycle. Below $10,000...... $10.00 TRANSACTION LIMIT...... 500 free transactions per month EXCESSIVE WITHDRAWAL FEE OVER SIX PER MONTH.....$10.00 (per withdrawal) (debits, credits, items deposited) *The following withdrawals and transfers are exempt from this limitation: withdrawals FEE PER TRANSACTION OVER TRANSACTION LIMIT...... $0.50 or transfers made at an ATM, made in person at a teller window, requested by U.S. ONLINE STATEMENT...... $0.00 postal mail, made for purposes of making payments on BancorpSouth loans, made MONTHLY TRUNCATED PAPER STATEMENT FEE...... $2.00 in person to initiate a wire transfer, and made by telephone or fax where a check is MONTHLY IMAGE PAPER STATEMENT FEE...... $4.00 mailed directly to the account holder. Either paper statement fee can be avoided with a minimum daily ledger balance of $500 or more during a monthly statement cycle. Business Savings Build your business’s savings with the Business Savings account. Set your automatic Business Interest Checking transfer and your goal within Online Banking, and you are ready to easily build your Business Interest Checking is a tiered interest rate checking account that earns interest savings. Interest rate is paid on the collected balance using the daily balance method. at rates which are determined solely by the Bank and are subject to change weekly. The interest rate is determined solely by the Bank and is subject to change weekly. Interest is earned on the collected balance using the daily balance method and is Interest is compounded daily and credited monthly. Deposits and withdrawals can be credited and compounded monthly. If you close your Business Interest Checking made at any time. If you close your account prior to the interest being credited, you account before the interest is credited, you will receive the accrued interest for that will receive interest through the closing date. Six withdrawals are allowed per month. period. Monthly paper statement with images. Available for sole proprietorships only. MINIMUM OPENING DEPOSIT...... $50.00 THE INTEREST RATE TIERS FOR BUSINESS INTEREST CHECKING ARE AS FOLLOWS: MONTHLY SERVICE CHARGE...... $10.00 Balances of $0 to $49,999.99 Monthly service charge can be avoided with a minimum daily ledger balance of Balances of $50,000 to $99,999.99 $500 or by conducting $50 or more in monthly Online Banking transfers from a Balances of $100,000 to $999,999.99 BancorpSouth Checking to your Business Savings account. Balances of $1,000,000 and above EXCESSIVE WITHDRAWAL FEE OVER SIX PER MONTH* ...... $5.00 (per withdrawal) MINIMUM OPENING DEPOSIT...... $1,000.00 *The following withdrawals and transfers are exempt from this limitation: withdrawals MONTHLY SERVICE CHARGE...... $10.00 or transfers made at an ATM, made in person at a teller window, requested by U.S. Monthly service charge can be avoided with a minimum daily ledger balance of postal mail, made for purposes of making payments on BancorpSouth loans, made $5,000 or 10 debit card purchase transactions during your monthly statement cycle. in person to initiate a wire transfer, and made by telephone or fax where a check is TRANSACTION LIMIT...... 50 free transactions per month mailed directly to the account holder. (debits, credits, items deposited) FEE PER TRANSACTION OVER TRANSACTION LIMIT...... $0.35 IOLTA – Interest On Lawyers’ Trust Account IOLTA Checking is a tiered interest rate checking account that earns interest at rates Non-Profit Checking which are determined solely by the Bank and are subject to change weekly. Interest Non-Profit Checking is a tiered interest rate checking account that earns interest is earned on the collected balance using the daily balance method and is credited at rates which are determined solely by the Bank and are subject to change and compounded monthly. If you close your IOLTA account before the interest is weekly. Interest is earned on the collected balance using the daily balance method credited, you will not receive the accrued interest for that period. Minimum deposit and is credited and compounded monthly. If you close your Non Profit Checking required to open an IOLTA - Interest On Lawyers’ Trust Account is $1,000. account before the interest is credited, you will receive the accrued interest for THE INTEREST RATE TIERS FOR THE IOLTA ACCOUNT ARE AS FOLLOWS: that period. Monthly paper statement with images. Balances of $0 to $4,999.99 THE INTEREST RATE TIERS FOR NON-PROFIT CHECKING ARE AS FOLLOWS: Balances of $5,000 to $9,999.99 Balances of $0 to $49,999.99 Balances of $10,000 to $24,999.99 Balances of $50,000 to $99,999.99 Balances of $25,000 to $49,999.99 Balances of $100,000 to $999,999.99 Balances of $50,000 to $99,999.99 Balances of $1,000,000 and above Balances of $100,000 to $999,999.99 MINIMUM OPENING DEPOSIT...... $100.00 Balances of $1,000,000 and above MONTHLY SERVICE CHARGE...... $10.00 MONTHLY SERVICE CHARGE WITH A MINIMUM DAILY LEDGER BALANCE OF: Monthly service charge can be avoided with a minimum daily ledger balance of $1,000 or More...... NONE $100 or 10 debit card purchase transactions during your monthly statement cycle. Below $1,000...... $10.00

27 Account Information Statement BancorpSouth | Your Customer Resource Guide COMMERCIAL ACCOUNTS TRANSACTION FEES Commercial Checking1,2 Per Debit...... $0.16 Commercial Checking is our premium business checking account allowing you Per Deposit...... $0.30 to take full advantage of all our Treasury Management services. Monthly paper Per Item Deposited...... $0.11 statement with images included. Deposit Verification...... $0.15 per $100 MINIMUM OPENING DEPOSIT...... $100.00 Deposit Assessment Fee3 applies (monthly fee based on average ledger balance)

MONTHLY SERVICE CHARGE...... $15.00 1 1 TRANSACTION FEES Public Fund Interest Checking / Public Fund Checking Plus Per Debit...... $0.16 Public Fund Checking is an interest bearing checking account that earns interest Per Deposit...... $0.30 at a rate determined solely by the Bank and is subject to change weekly. Interest Per Item Deposited...... $0.11 is earned on the collected balance using the daily balance method and is credited Deposit Verification...... $0.15 per $100 and compounded monthly. If you close your Public Fund Checking account before Deposit Assessment Fee3 applies (monthly fee based on average ledger balance) the interest is credited, you will receive the accrued interest for that period. For analysis purposes, accounts bearing the same Tax ID may be grouped in MINIMUM OPENING DEPOSIT...... $1,000.00 relationships in order that higher balance accounts may be used to offset the MONTHLY SERVICE CHARGE WITH A MINIMUM DAILY LEDGER BALANCE OF: service charge assessments incurred on lower balance accounts. $1,000 or More...... NONE Below $1,000...... $10.00 Commercial Checking – ATM Clearing1,2 TRANSACTION FEES Commercial Checking – ATM Clearing is our business checking account for customers with privately owned ATMs. Monthly paper statement with images included. Per Debit...... $0.20 (in excess of 40 per statement cycle) MINIMUM OPENING DEPOSIT...... $100.00 Per Deposit...... $0.08 (in excess of 20 per statement cycle) MONTHLY SERVICE CHARGE...... $100.00 Deposits or Credits...... $0.30 TRANSACTION FEES Deposit Verification...... $0.15 per $100 Per Debit...... $0.16 Deposit Assessment Fee3 applies (monthly fee based on average ledger balance) Per Deposit...... $0.30 1 1 Per Item Deposited...... $0.11 Public Fund Money Market / Special Rate Money Market Deposit Verification...... $0.15 per $100 The Public Fund Money Market account is a tiered interest rate account and earns Deposit Assessment Fee3 applies (monthly fee based on average ledger balance) interest at a rate determined solely by the Bank and is subject to change weekly. Interest is earned on the collected balance using the daily balance method and is Debit Card and Online Bill Pay not available for this account. credited and compounded monthly. If you close your account before the interest 1 Commercial Interest Checking is credited, you will receive the interest through the date of closing. A total of six Commercial Interest Checking is our premium analyzed business interest withdrawals may be made each month. bearing checking account allowing you to take full advantage of all our Treasury THE INTEREST RATE TIERS FOR PUBLIC FUND MONEY MARKET ARE AS FOLLOWS: Management services. Monthly paper statement with images included. Balances of $0 to $999.99 THE INTEREST RATE TIERS FOR THE COMMERCIAL INTEREST CHECKING ACCOUNT Balances of $1,000 and above ARE AS FOLLOWS: Balances of $0 to $49,999.99 MINIMUM OPENING DEPOSIT...... $1,000.00 Balances of $50,000 to $99,999.99 MONTHLY SERVICE CHARGE WITH A MINIMUM DAILY LEDGER BALANCE OF: Balances of $100,000 to $249,999.99 $1,000 or More...... NONE Balances of $250,000 to $999,999.99 Below $1,000...... $10.00 Balances of $1,000,000 to $9,999,999.99 EXCESSIVE WITHDRAWAL FEE OVER SIX PER MONTH.....$10.00 (per withdrawal) Balances of $10,000,000 and above TRANSACTION FEE MINIMUM OPENING DEPOSIT...... $100.00 Deposit Verification...... $0.15 per $100 MONTHLY SERVICE CHARGE...... $15.00 Deposit Assessment Fee3 applies (monthly fee based on average ledger balance) TRANSACTION FEES Per Debit...... $0.16 Per Deposit...... $0.30 Per Item Deposited...... $0.11 1. Account service charges are assessed via account analysis and additional Deposit Verification...... $0.15 per $100 analysis fees may apply. Monthly assessment based on the average ledger Deposit Assessment Fee3 applies (monthly fee based on average ledger balance) balance. An additional fee not to exceed 5% above the current discount rate will Interest is paid on the daily collected balance in the account less the current reserve be applied if the account’s average collected balance is negative. requirement on each individual balance tier and your accounts’ overall annual percentage yield (APY) is the average of the interest paid at each balance tier 2. Service charges may be wholly or partially offset via the “earnings credit” equaling a blended APY. The interest rate is determined solely by the Bank and is calculation on an account’s investable balance. For analysis purposes, accounts subject to change weekly. bearing the same Tax ID may be grouped in relationships in order that higher balance accounts may be used to offset the service charge assessments incurred PUBLIC FUND ACCOUNTS on lower balance accounts. Public Fund Non-Interest Checking1 Public Fund Non-Interest checking is a non interest checking account allowing 3. Deposit assessment fee: the bank assesses a deposit assessment fee to partially you to take full advantage of all our Treasury Management services. Monthly recover premiums it pays for deposit insurance. The amount of the fee appears paper statement with images included. on your analysis statement and is based on the monthly average ledger balance MINIMUM OPENING DEPOSIT...... $100.00 maintained in your account. The deposit assessment fee is subject to change by MONTHLY SERVICE CHARGE...... $15.00 the bank at any time without notice.

BancorpSouth | Your Customer Resource Guide Account Information Statement 28 Schedule of Fees Personal Accounts

THIS DISCLOSURE OF FEES AND CHARGES APPLIES TO ACCOUNTS AT BANCORPSOUTH (“BANK”) AND IS EFFECTIVE AS OF JANUARY 31, 2020.

NON-INTEREST BEARING CHECKING ACCOUNTS INTEREST BEARING CHECKING ACCOUNTS The following applies to the below non-interest bearing checking accounts: Interest bearing checking accounts earn interest, which is determined solely by ONLINE STATEMENT WITH CHECK IMAGES...... $0.00 the Bank and subject to change weekly. MONTHLY TRUNCATED PAPER STATEMENT FEE...... $2.00 Performance Checking MONTHLY IMAGE PAPER STATEMENT FEE...... $4.00 MINIMUM OPENING DEPOSIT...... $50.00 Either paper statement fee can be avoided by maintaining a minimum daily MONTHLY SERVICE CHARGE...... $10.00 ledger balance of $500 or more during the monthly statement cycle. The monthly service charge can be avoided by meeting one of the following My Way Checking requirement(s) during the monthly statement cycle: MINIMUM OPENING DEPOSIT...... $50.00 1. Maintain a $1,000 minimum daily ledger balance, -OR MONTHLY SERVICE CHARGE...... $5.00 2. Meet each of the following three requirements: The monthly service charge can be avoided by meeting one of the following a. Have at least one ACH debit or credit post during the monthly statement requirements: cycle, -AND 1. Maintain a minimum daily ledger balance of at least $100, -OR b. Have at least 12 debit card purchase transactions post during the monthly 2. Have five debit card purchase transactions post during the monthly statement statement cycle, -AND cycle, -OR c. Be enrolled to receive online statements. 3. Have one ACH deposit of at least $100 post during the monthly statement ONLINE STATEMENT WITH CHECK IMAGES...... $0.00 cycle, -OR MONTHLY TRUNCATED PAPER STATEMENT FEE...... $2.00 4. Be a student enrolled in school. (Available upon request to students under 25)* MONTHLY IMAGE PAPER STATEMENT FEE...... $4.00 *The student waiver is available for students under age 25. The student waiver will *Either paper statement fee can be avoided by maintaining a minimum daily automatically be removed and you will be subject to the My Way monthly service ledger balance of $500 or more during the monthly statement cycle. Interest charge requirements, beginning with the first monthly statement cycle following your is earned daily on the collected balance using the daily balance method and is 25th birthday. Students are also eligible to receive the first box of 25 checks at no credited and compounded monthly at statement time. If the account is closed charge, or 50% off of a collegiate check style (first order only). Students must be at before interest is credited, you will receive the accrued interest for that period. least 18 to have a single-party account. All students under the age of 18 must have a Fees may reduce earnings. parent or guardian as a multiple-party account owner. If residing in Alabama, students BALANCES BETWEEN $0 and $30,000...... May earn a higher rate APY* under the age of 19 must have a parent or guardian as a multiple-party account owner. *ALL THREE of the following higher rate requirements must be met during the monthly statement cycle: Budget Smart Checking a. Have at least one ACH debit or credit post during the monthly statement MINIMUM OPENING DEPOSIT...... $25.00 cycle, -AND MONTHLY SERVICE CHARGE...... $5.00 b. Have at least 12 debit card purchase transactions post during the monthly Flat fee and cannot be avoided. There are no minimum balance requirements. statement cycle, -AND MONTHLY PAPER OR ONLINE STATEMENTS...... $0.00 c. Be enrolled to receive online statements. Please Note: BancorpSouth may not approve everyone for a Budget Smart Checking If all three of these higher rate requirements are not met at all times during the account. Only those individuals that receive at least a limited approval through monthly statement cycle, then the standard rate will be earned on all balances. ChexSystems qualify. Except as provided below, Budget Smart Checking is subject to BALANCES OVER $30,000 ...... Earn standard rate APY BancorpSouth's standard deposit policies and fees. If you maintain your account for ATM FEE REFUND...... Up to $4.00 Each 12 consecutive months without having a negative balance and without having any A refund of the BancorpSouth $2.00 service charge will be credited to the account items returned unpaid, you may request a different BancorpSouth checking account AND up to an additional $2.00 will be refunded for fees charged by the ATM product. If your account is converted to a new product, it will be subject to the terms owner FOR THE FIRST FIVE nonBancorpSouth transactions (for a total of up to and conditions applicable to that product at the time of conversion. $20.00) at the end of the statement cycle IF ALL THREE of the following higher rate *BancorpSouth’s Budget Smart Checking product is not eligible to participate in requirements are met during the monthly statement cycle: BancorpSouth’s overdraft services including, but not limited to, overdraft protection a. Have at least one ACH debit or credit post during the monthly statement services. Those services are discretionary and do not apply to Budget Smart Checking cycle, -AND accounts and you will not be allowed to opt-in for such services. BancorpSouth will b. Have at least 12 debit card purchase transactions post during the monthly decline or return transactions when you do not have enough money in your account statement cycle, -AND to cover the amount of the transaction. While this prevents you from overdrawing c. Be enrolled to receive online statements. your account in most cases, there may still be times when your account could have Heritage Checking - Available to those age 62 years or older a negative balance. For example, your account could have a negative balance if a MINIMUM OPENING DEPOSIT...... $50.00 transaction is approved for one amount, but the actual charge is more than the MONTHLY SERVICE CHARGE...... $8.00 amount of money in your account. This could happen if you use your debit card to The monthly service charge can be avoided by maintaining a minimum daily purchase a meal where the amount for the meal is approved but the tip added after ledger balance of $500.00 or more during the monthly statement cycle. the transaction was approved makes the total charge that posts to your account MONTHLY PAPER STATEMENT WITH IMAGED CHECKS...... $0.00 exceed your account balance. Another example would be if there is not enough Includes common carrier accidental death insurance as well as discounts and savings. money in your account to cover the monthly service charge or other service charges Interest is earned daily on the collected balance using the daily balance method and is for your account. These are just some examples of the way your account could have credited and compounded monthly at statement time. If the account is closed before a negative balance. interest is credited, you will receive the accrued interest for that period. Fees may reduce earnings. Managing Your Account. It is your responsibility to keep up with your account balance and to ensure you have enough money available to pay the items you issue against Interest Plus Checking your account. In instances where transactions cause you to have a negative balance MINIMUM OPENING DEPOSIT...... $1,000.00 or where items you issue are returned unpaid, BancorpSouth will not charge you MONTHLY SERVICE CHARGE...... $10.00 overdraft or insufficient funds fees. If you do have a negative balance, you will still be Interest is earned daily on the collected balance using the daily balance method and obligated to repay the overdrawn amount. Failure to properly maintain your account is credited and compounded monthly at statement time. If the account is closed could lead to its closure by BancorpSouth in accordance with the Terms & Conditions before interest is credited, you will receive the accrued interest for that period. Fees of Your Account. may reduce earnings.

29 Account Information Statement BancorpSouth | Your Customer Resource Guide THE INTEREST RATE TIERS ARE AS FOLLOWS: Performance Savings Balances between $0.00 and $4,999.99 MINIMUM OPENING DEPOSIT...... $50.00 Balances between $5,000 and $9,999.99 MONTHLY SERVICE CHARGE ...... $2.50 Balances between $10,000 and $24,999.99 The monthly service charge can be avoided by maintaining a minimum daily ledger Balances between $25,000 and $49,999.99 balance of $50.00 or more during the monthly statement cycle. Balances between $50,000 and $99,999.99 WITHDRAWAL FEE: Balances $100,000 and above One to Six Per Month...... $0.00 Per Withdrawal After Six Per Month...... $5.00 Per Withdrawal SAVINGS ACCOUNTS Interest is earned daily on the collected balance using the daily balance method and is Savings account interest is determined solely by the Bank and is subject to change credited and compounded monthly at statement time. If the account is closed before weekly. For current interest rate information, call InfoLine at 1-888-797-7711. Federal interest is credited, you will receive the accrued interest for that period. Fees may law limits certain types of withdrawal and transfer transactions you can make out of reduce earnings. BALANCES BETWEEN $0.00 and $100,000...... May earn a higher rate APY* your savings or money market accounts to a maximum combined total of six per month *BOTH of the following higher rate requirements must be met during the monthly or monthly statement period. If the Bank determines that you have exceeded this limit, statement cycle: the Bank will, at its option, either close your savings or money market account and a. Automatically deposit at least $50.00 into the Performance Savings account transfer the funds to another account that you are eligible to maintain or terminate your each interest cycle through direct deposit (ACH deposit) or Online Banking right to make transfers and write Items against your savings or money market account. transfer service, -AND Money Market Select b. Combine the Performance Savings statement with the checking account MINIMUM OPENING DEPOSIT...... $1,000.00 statement (separate statements will no longer be provided for the MINIMUM DAILY BALANCE...... $10,000.00 Performance Savings account). If BOTH of these higher rate requirements MONTHLY SERVICE CHARGE...... $10.00 are not met at all times during monthly statement cycle, then the standard The monthly service charge can be avoided by maintaining a minimum daily rate will be earned on all balances. ledger balance of $10,000.00 or more during the monthly statement cycle. BALANCES OVER $100,000...... Earn standard rate APY MONTHLY PAPER STATEMENT WITH IMAGED CHECKS...... $0.00 Young Savers - Available to those age 17 years or younger WITHDRAWAL FEE: MINIMUM OPENING DEPOSIT...... $25.00 One to Six Per Month...... $0.00 Per Withdrawal QUARTERLY SERVICE CHARGE ...... $0.00 After Six Per Month...... $10.00 Per Withdrawal A parent or guardian over 18 must be a joint account holder on the account. At Interest is earned daily on the collected balance using the daily balance method and age 18, the child will automatically be converted out of Young Savers into My is credited and compounded monthly at statement time. If the account is closed Goal Savings. before interest is credited, you will receive the accrued interest for that period. Fees QUARTERLY PAPER STATEMENT...... $0.00 may reduce earnings. Additional “Memo” statements will be produced if the account has an EFT THE INTEREST RATE TIERS ARE AS FOLLOWS: transaction during the month. This is a snapshot statement and will reflect all Balances between $0.00 and $9,999.99 activity since the last scheduled quarterly statement. Balances between $10,000 and $24,999.99 WITHDRAWAL FEE: Balances between $25,000 and $49,999.99 One to Six Per Month...... $0.00 Per Withdrawal Balances between $50,000 and $99,999.99 After Six Per Month...... $5.00 Per Withdrawal Balances between $100,000 and $149,999.99 Interest is earned and compounded daily on the collected balance and is credited Balances between $150,000 and $499,999.99 quarterly at statement time. If the account is closed before interest is credited, you will Balances $500,000 and above receive the accrued interest for that period. Fees may reduce earnings. My Goal Savings MINIMUM OPENING DEPOSIT...... $100.00 MONTHLY SERVICE CHARGE...... $5.00 The monthly service charge can be avoided by maintaining a minimum daily ledger balance of $100.00 or more during the monthly statement cycle. MONTHLY PAPER STATEMENT...... $0.00 WITHDRAWAL FEE: One to Six Per Month...... $0.00 Per Withdrawal After Six Per Month...... $5.00 Per Withdrawal Withdrawal Interest is earned and compounded daily on the collected balance using the daily balance method and is credited monthly. If the account is closed before interest is credited, you will receive the accrued interest for the period. Fees may reduce earnings. Select Savings MINIMUM OPENING DEPOSIT...... $1,000.00 QUARTERLY SERVICE CHARGE ...... $15.00 The service charge can be avoided by maintaining a minimum daily ledger balance of $1,000.00 or more during the statement cycle. QUARTERLY PAPER STATEMENT...... $0.00 Additional “Memo” statements will be produced if the account has an EFT transaction during the month. This is a snapshot statement and will reflect all activity since the last scheduled quarterly statement. WITHDRAWAL FEE: One to Six Per Month...... $0.00 Per Withdrawal After Six Per Month...... $5.00 Per Withdrawal Interest is earned daily on the collected balance using the daily balance method and is credited and compounded monthly at statement time. If the account is closed before interest is credited, you will receive the accrued interest for that period. Fees may reduce earnings.

BancorpSouth | Your Customer Resource Guide Account Information Statement 30 Health Savings Account Disclosure Statement

This Disclosure Statement provides a general review of the terms, conditions and to immediately repay the amount of any overdraft. As a prohibited transaction, an federal laws associated with your Health Savings Account (HSA). It is not intended overdraft of your HSA may cause your HSA to be disqualified by the IRS and subject to replace the advice of your own tax and legal advisors. You are responsible for you to taxes and other expenses. Any taxes or other expenses you incur because of complying with the laws that apply to your HSA. The HSA Trustee/Custodian does an overdraft are your responsibility. We may choose to close your HSA account or not act as your advisor. In addition to the transactions outlined in this Health Savings suspend Debit Card access to your HSA account should transactions continue to be Account Disclosure Statement, the federal government may authorize permissible presented against insufficient balances. BancorpSouth urges you to use the utmost care transactions from time to time. Unless expressly prohibited by the Trustee/Custodian's in managing your HSA account to avoid overdrafts and the possible closing of your policies, such additional federally authorized transactions are hereby incorporated by account and to consult your tax advisor regarding the tax benefits of your HSA The this reference. Please take a moment to review the Terms and Conditions of Your interest rate on a HSA checking account is variable and may change at any time at the Account and its complete set of regulatory and associated documents. We will be glad Bank's discretion. Your contribution eligibility is based on IRS rules. You are responsible to answer any questions you may have about your account. for certifying distributions from the HSA account in accordance with IRS rulings. Definitions: The references to "you" and "your" mean the Account Owner. • The Daily Ledger Balance reflects all deposits and withdrawals regardless of actual collection of funds. General Information • All fees and charges are subject to applicable law. BancorpSouth's HSA is a savings product that offers you a different way to pay for health care. HSAs are established in conjunction with a High Deductible Health Plan (HDHP) and enable you to pay qualifying medical expenses for yourself, your spouse and your dependents on a tax-free basis. REQUIREMENTS: • You must be covered under a HDHP1 that meets certain requirements concerning the deductible and out-of-pocket expenses. • You may not be covered by an insurance plan that is not a HDHP (with certain exceptions for plans providing preventive care and limited types of permitted insurance and permitted coverage). • You may not be eligible to be claimed as a dependent on another person’s tax return. • You may not be enrolled in Medicare. Minimum and maximum contributions apply.2 Minimum Opening Deposit...... $50.00 Minimum Daily Balance...... $3,000.00 Monthly Service Charge3...$2.00 (waived for the first 120 days after account opening) Monthly Paper or Online Statement with Imaged Checks...... $0.00 Health Savings Account Card to make tax-free withdrawals for qualified health expenses...... $0.00 TRANSACTION FEES: • No transaction fee for card usage on qualified expenses. • $15 fee to reverse payment of disqualified expenses. Interest is earned daily on the collected balance using the daily balance method and is credited and compounded monthly at statement time. If the account is closed before interest is credited, you will receive the accrued interest for that period. Fees may reduce earnings. THE INTEREST RATE TIERS ARE AS FOLLOWS: Balances between $0.00 and $499.99 Balances between $500 and $2,499.99 Balances between $2,500 and $4,999.99 Balances between $5000 and $9,999.99 Balances between $10,000 and $49,999.99 Balances between $50,000 and above. Overdraft Protection is not available on HSAs.4 1Your HSA does not terminate when you change employers so long as you continue to be enrolled in your HDHP. 2Contributions may be made to your HSA during the tax year and up to the due date for filing your federal income tax return, not including extensions. For most people, the tax return due date is April 15. If you wish to make a prior year contribution between January 1 and April 15 such contribution must be made in a branch using a special HSA deposit ticket. Otherwise, the contribution will be credited to the current year. 3You can avoid the monthly service charge by maintaining a daily ledger balance of $3,000.00 or more during the monthly statement cycle. 4Under IRS rules, overdrafts, including those created by a transaction, a fee, or an oversight are prohibited transactions on HSAs and are not permitted. As such, overdraft protection services are not available on HSAs. If checks, ACH debits, or other transactions are presented for payment on your HSA and there is an insufficient balance to pay those items, we will return those transactions unpaid. Further, we will decline ATM and Debit Card transactions that may overdraw this account. There may be some ATM and Debit Card items we are unable to return. If we are unable to return an item that overdraws your account, we will use our discretion to pay it and you will not be charged a fee. If your HSA becomes overdrawn for any reason, you agree

31 Account Information Statement BancorpSouth | Your Customer Resource Guide Common Features Limits and Fees Personal & Non-Personal Accounts

The following fees may be assessed against your account and the following transaction Lost Key Fee-Missouri locations only...... $25.00 limitations, if any, apply to your account: Verification of Deposit...... $35.00 Each Legal Processing-(See the section titled "Legal Actions Affecting Your Account" OVERDRAFT ITEM AND OVERDRAFT PROTECTION: in the Terms and Conditions for further details)...... Up to $125.00 Overdraft Item...... $36.00 Each Overdraft Item-when the day's ending balance is overdrawn by $5.00 or less ONLINE BANKING - BILL PAY: (Consumer Account Only)...... $2.00 Each Normal Delivery...... No Charge Continuous Overdraft-Account is continuously in overdraft ten (10) days or longer. Same Day Delivery...... $9.95 Charged on the tenth (10th) day...... $36.00 For Each Period Overnight Check Delivery...... $14.95 Overdraft Protection-Credit Line...... $10.00 Per Transfer ONLINE BANKING - EXTERNAL TRANSFERS: Overdraft Protection-Eligible Deposit Account...... $10.00 Per Transfer Incoming TO BancorpSouth...... No Charge Overdraft Protection-Credit Card- Minimum $10/Maximum $60 Outbound FROM BancorpSouth...... $3.00 (See Cardholder Agreement for additional details)...... 3% of Transfer Amount Outbound FROM BancorpSouth Next Day...... $6.00 Insufficient (NSF) Funds Item...... $36.00 Each Check Printing-Accounts that receive free checks are required to pay taxes and shipping ONLINE BANKING - ZELLE®: on check order. Person-to-Person Payments...... No Charge Temporary Checks-Fee is waived if waiting on BancorpSouth Stop Payment Fee...... $36.00 ordered checks to arrive...... $5.00 Per Pack of 10 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile Official Checks...... $6.00 Each number is already enrolled with Zelle®. Must have a bank account in the U.S. to use Stop Payment...... $36.00 Each Zelle®. Mobile network carrier fees might apply. Zelle and the Zelle related marks are Stop Payment for ACH Future Items-Initial fee, then a $5.00 monthly charge for wholly owned by Early Warning Services, LLC and are used herein under license. each month after the sixth month in which stop payment remains...... $36.00 Each MOBILE BANKING: Returned Deposit Item...... $7.00 Each Mobile Banking Remote Deposit – Standard carrier data and messaging rates Returned Check – Redeposited...... $3.00 Each may apply...... No Charge Deposit Correction...... $3.00 Each Special Statement...... $7.50 Each Statement Reconciliation...... $10.00 Per Hour DEBIT CARD: Standard or Platinum Debit Card Fee...... No Charge Affinity MasterCard Debit Card Fee...... $5.00 Annually ATM Card Fee...... $2.00 Per Month Debit Card/ATM – Replacement...... $5.00 Each Debit Card/ATM – Expedited Replacement...... $30.00 Each ATM Transaction using Debit Card/ATM Card – Non-BancorpSouth-withdrawal or inquiry-There is a $2.00 per transaction fee when used at an ATM belonging to another bank or financial service company. Such other bank or financial service company may also charge a fee for an ATM transaction made at its ATM...... $2.00 Each Debit Card/ATM Transaction – Foreign Country (International)...... 2% of the Transaction Amount Bond Coupon Collection – Non-Credit...... $10.00 Per Envelope Research-Per hour fee in addition to per item charge for subpoenas...... $20.00 Per Hour Photocopies...... $1.00 Per Page Fax Copies...... $1.00 Per Page Debit Card Sales Draft Copy Requested...... $10.00 Each Collection Item- Per item minimum or the actual cost of handling collection items...... $20 Per Item, Minimum Checking Account Inactivity-Fee on checking accounts that have no activity for 90 days and have less than $100.00 daily ledger balance...... $5.00 Per Month Dormant Checking OR Savings Account-“Dormant Accounts” are defined by applicable law...... $8.50 Per Month Account Closure-Charged on checking accounts closed within 90 days of opening...... $25.00 WIRE TRANSFER: Incoming, All...... $15.00 Per Transfer Domestic Outgoing...... $18.00 Per Transfer Domestic Outgoing, Repetitive ($18.00 set up and send first time)..... $15.00 Per Transfer International Outgoing...... $50.00 Per Transfer Foreign Currency Outgoing...... $100.00 Per Transfer FUNDS TRANSFERS VIA TELEPHONE: Automated via InfoLine...... No Charge Assisted by Branch or InfoLine Personnel...... $5.00 Address Unknown Processing-Charged for each month in which the account’s statement is returned due to the address being unknown and not updated...... $5.00 SAFE DEPOSIT BOX DRILLING: Missouri...... $85.00 Each All Other States...... $75.00 Each

BancorpSouth | Your Customer Resource Guide Account Information Statement 32 MEMBER FDIC ©2021 BancorpSouth All Rights Reserved. NYSE: BXS 05/18/21