Commercial & Industrial Banking ABOUT (1) BancorpSouth’s Corporate C&I and Syndication division offers a variety of BANCORPSOUTH: financial solutions to help you do business Right Where You Are. Our C&I team members have deep industry knowledge and hands-on expertise. Chairman & Chief Executive They understand your unique business challenges and are ready to Officer:DAN ROLLINS provide insight and solutions. History: FOUNDED IN 1876

SPECIALIZED INDUSTRY WE SERVE A DIVERSE Ticker: BXS (NYSE) LENDING PRACTICES INCLUDE: RANGE OF CLIENTS: Credit Rating: • Industrial • Publicly Traded BBB (Investment Grade) S&P(2) • Distribution • Privately Held Market Cap: $3.04 BILLION(3) • Manufacturing • Sponsor Backed

• Midstream, Downstream and • Single Lender, Club and Total Assets: $21.1 BILLION Support Services Syndicated Credit Facilities • Transportation & Logistics • Average Annual Total Loans: $14.1 BILLION • Sponsor Finance & Revenue ≥ $35MM Financial Institutions • U.S. Domiciled or Deposits: $16.2 BILLION • Healthcare Foreign Owned Employees: 4,693 • Maritime

Earnings and statistics as of Q4 2019. Source: (1) “BancorpSouth Announces Record Annual Earnings,” 22 January 2020. (2) S&P Global Ratings, August 2019. (3) “Market Cap,” Zacks Research, February 2020. We understand that as your business grows, so do your banking BancorpSouth has an expanding needs. BancorpSouth can provide both business and personal footprint across ten states, but financial solutions through our diverse product set, which includes: our reach extends nationwide. • Revolving Lines of Credit • Advancing Term Loans • Equipment Loans and Leasing • • • Acquisition Financing • • • Enterprise Value Lending • • OKLAHOMA • Small Business Administration Loans • • • Investor- and Owner-Occupied Real Estate Loans • Consumer and Small Business Loans • • • Home Mortgages and Home Equity Lines of Credit • Treasury Management Solutions Locations: 300+ • Personal(3) and Commercial(1) Insurance Products Corporate HQ: TUPELO, MS • Interest Rate Hedging and Derivative Products(2) • Premier Banking and Trust Services(2) Syndications Desk: , TX • Depository and Investment Products (2) • Business Credit Cards

1) BXS Insurance is a wholly owned subsidiary of BancorpSouth Bank. BXS Insurance is an insurance agent and not an insurance carrier. Always read your policy for coverage terms and conditions. 2) BancorpSouth Wealth Management is a trade name of BancorpSouth. Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Infinex and the bank are not affiliated.3) Insurance products are: Not a deposit | Not FDIC insured | Not insured by any federal government agency | Not guaranteed by the bank | May go down in value. © 2020 BancorpSouth. Member FDIC.