Effective 11/1/2010 

BANCORPSOUTH 
CARDHOLDER AGREEMENT 
THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION 
READ THIS AGREEMENT IN ITS ENTIRETY 

AGREEMENT TO TERMS-USE OF YOUR ACCOUNT-DEFINITION OF PARTIES  
This  cardholder  agreement  governs  your  credit  card  account  with  us  (“Account”).    The  entire  agreement  between  us  (this 
“Agreement”) is in separate parts, including this document (which incorporates an ARBITRATION provision), your application to us 
and  its  accompanying  disclosures,  any  Account  opening/closing  correspondence,  and  an  initial  (and  any  subsequent  and  then-
current)  “Rates  and  Fees  Table.”    The  Rates  and  Fees  Table  will  also  include  our  customer  service,  payment,  and  other  contact 
information (address and telephone numbers).  Your use of the Account or any card (or authorizing their use) in any way means you 
agree  to  the  terms of this Agreement.  In this Agreement and in your Periodic Statements, the words “you” and “your” refer to all 
persons  named  as  applicants  on  the  application,  jointly  and  severally,  and  the  words  “we”  and  “us”  refer  to  BancorpSouth  Bank 
headquartered in Tupelo, Mississippi, U.S.A.  You authorize us to charge your Account for all transactions made on your Account.  
You promise to pay us for all transactions made on your Account, as well as any fees or Interest Charges. You agree that if you are 
delinquent in making a payment when it is due, we may temporarily or permanently terminate your credit privileges and we may also 
consider  you  in  Default  as  defined  herein.    You  also  agree  to  arbitrate  disputes  according  to  the  terms  of  the  ARBITRATION 
AGREEMENT below.  This provision may affect your right to go to court or to have a jury trial.  In addition to all other terms of this 
Agreement, it is important that you carefully read this provision in its entirety. 
JOINT ACCOUNT LIABILITY 
All persons signing the application and named therein as joint applicants have signified your intent to apply for joint credit with us. 
Therefore each of you is jointly and severally responsible for the payment of the outstanding balance (including Interest Charges and 
all fees) regardless of which applicant or user made the charge or incurred the fee. 
AUTHORIZED USER(S)/ADDITIONAL CARDS 
Subject to our approval, in our sole discretion, as to both number of persons and specific persons requested, you may request in 
writing to us to designate certain non-Account holders as Authorized Users of your Account by issuance of additional card(s) in the 
name(s) of such Authorized User(s).  You agree that you will be fully liable for all transactions made by any Authorized User to the 
same extent as if you had made such transactions yourself.  
ACCOUNT RENEWAL/CARD EXPIRATION 
Cards  are  issued  with  an  expiration  date.    Upon  expiration,  the  card  is  no  longer  valid  and  may  not  be  used.  In addition to other 
termination rights we have under this Agreement, we have the right not to renew your card and close your Account at that time for 
any reason. 
CHANGES TO THIS AGREEMENT 
Subject to any advance notice requirements imposed by law, we can change this Agreement at any time, regardless of whether you 
have access to your Account, by adding, deleting, or modifying any provision, including making any appropriate changes in terms by 
furnishing to you a new or revised Rates and Fees Table.  Our right to add, delete, or modify provisions includes financial terms, 
such as rates and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may 
have relating to this Agreement.  These changes are binding on you. We will notify you of any change as required by applicable law.  
These changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law.   If permitted by 
applicable law, any new terms may at our option be applied to past and existing transactions and other matters between us and to 
any balance existing in the Account at the time of the change, as well as to any subsequent transactions.  However, if the change 
will cause a fee, rate or minimum payment to increase, we will mail you written notice and inform you in that notice as to the date for 
which  the  change  becomes  effective.    The  notice  will  describe  any  rights  you  may  have  with  respect  to  any  change,  and  the 
consequences if you do or do not exercise those rights.  For example, the notice may state that you may notify us in writing by a 
specified date if you do not accept the changes we are making and the right to cancel the Account.  If you notify us in writing that 
you  do  not  accept  the  changes,  your  Account  may  be  closed  (if  it  is  not  already  closed)  and  you  will  be  obligated  to  repay  your 
outstanding balance (a) under the applicable terms of the Agreement then in effect, and (b) via the methods for repaying balances 
as allowed by law.  If you do not notify us in writing by the date stated in the notice, or if you notify us but then use your Account after 
the  date  stated  in  the  notice,  you  will  be  deemed  to  accept  all  changes  in  the  notice  and  to  accept  and  confirm  all  terms  of  your 
Agreement and all changes in prior notices we have sent you regardless of whether you have access to your Account.   
CREDIT INVESTIGATION 
You gave us permission at the time of application, and by your acceptance of this Agreement and/or your use of the Account, you 
give us permission to investigate your credit history from time to time as we deem appropriate by obtaining consumer reports and by 
making direct inquiries of other creditors where you have accounts and where you work.  We may request consumer reports from 
consumer  reporting  agencies,  also  known  as  credit  bureaus,  in  connection  with  an  update,  renewal  or  extension  of  credit,  a 
requested change to your Account, a change in your credit limit, for promotional inquiries, a specific transaction attempted, made, or 
pending, or in connection with the collection of this Account.  If you do not maintain your credit performance, we may change your 
Account terms.  Upon your request, or as required by law, we will tell you whether or not a consumer report was requested and the 
name and address of any consumer reporting agency that furnished the report.  You also authorize us to report your performance 
under this Agreement to credit bureaus and others who may properly receive such information.  If you request additional cards on 
your Account for others, we may report Account information in your name as well as in the names of those Authorized Users. If you 
believe that we have reported inaccurate information about you to a credit bureau, please contact us at the phone number(s) and/or 
correspondence  address  provided  per  the  then-current  Rates  and  Fees  Table.    In  doing  so,  please  identify  the  inaccurate 
information and tell us why you believe it is incorrect.  If you have a copy of the credit report that includes the inaccurate information, 
please send a copy of that report to us as well at the correspondence address provided per the then-current Rates and Fees Table. 

 
 
 
 
 
 
 
TYPES OF TRANSACTIONS 
Purchases 
You may use your card to pay for or lease goods or services. 
Automatic or Recurring Charges 
You may authorize a third party to automatically charge your Account for recurring transactions (for example, cable or utility charges, 
memberships and insurance premiums).  If automatic charges are stopped for any reason (including because your Account is closed 
or suspended for any reason) or your Account number changes or we issue you a new card with a different Account number, you 
are responsible for notifying the third party or other biller and paying these charges directly.  If your Account number changes, we 
may, but are not required to, charge to your new Account number transactions that you authorized to be billed to your old Account 
number.   
Cash Advances 
You may use your card to make a Cash Advance.  A Cash Advance takes place when you use your card to get cash from automatic 
teller machines, or from financial institutions accepting the card; or by transferring money from your credit card Account to any other 
BancorpSouth  Bank  deposit  account  via  a  phone  request  (including  automated  means  by  phone)  or  using  online  banking;  or  to 
obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges, such as a transaction resulting 
from merchant processing items that are directly convertible to cash, such as casino gaming chips (“Cash Advances”).  If a portion 
of  a  requested  Cash  Advance  will  exceed  your  available  Cash  Advance  Limit  (as  defined  below),  we  may  refuse  to  process  the 
entire transaction (or we may process a partial Cash Advance up to your available Cash Advance Limit) in our sole discretion.  As 
elsewhere  provided  in  this  agreement,  a  different  APR  and/or  fee(s),  a  different  starting  date  from  which  an  Interest  Charge  is 
assessed, and a different available credit limit may apply for Cash Advances.  Making Cash Advances may also affect the payment 
application order.  All Cash Advances are subject to a Cash Advance Transaction Fee.   
Other Forms of Cash Advances 
While  the  effect  may  be  different  as  to  Rates  and  Fees,  a  Cash  Advance  or  Cash  Advances  also  include  Balance  Transfers, 
Convenience Checks and Overdraft Protection Advances described below:     

Balance Transfers   
You may transfer balances from other accounts or loans with other credit card issuers or other lenders to this Account, or 
other  Balance  Transfers  we  allow  (“Balance  Transfers”).    You  may  not  transfer  balances  to  this  Account  from  other 
accounts or loans with us.    Upon consummation of the transfer, your available Total Credit Limit (as defined below) and 
corresponding Cash Advance Limit will be reduced by the amount of the Balance Transfer.  See the then-current Rates 
and Fees table for “Balance Transfer Fee” for applicable charges. 
Convenience Checks   
We may, (but are not obligated to), provide you Convenience Checks (also known as “credit card checks”) as a way to use 
your Account.  Your credit card Account number will be on each Convenience Check.    The Convenience Check should 
be completed and signed in the same manner as a personal check.  A Cash Advance is considered to be made when you 
use  a  Convenience  Check  and  the  funds  deemed  received  by  you  on  the  date  we  process  the  check.    See  the  then-
current  Rates  and  Fees  table  for  “Cash  Advance  Transaction  Fee”  for  applicable  charges.    You  should  not  write 
Convenience Checks in such an amount or amounts in the aggregate which would exceed your available Cash Advance 
Limit.  If a Convenience Check amount exceeds your available Cash Advance Limit (as defined below), we may refuse to 
process  the  entire  transaction.    A  Convenience  Check  may  not  be  used  to  pay  any  amounts  you  owe  under  this 
Agreement.  We are under no obligation to pay a post-dated Convenience Check, or to certify any Convenience Check.  
Convenience  Checks  paid  will  be  identified  on  your  Periodic  Statement,  but  will  not  be  returned  to  you.    Images  of 
Convenience Checks will be provided upon written request, subject to applicable charges. 
Overdraft Protection Advances   
If you have an eligible checking account with us and have enrolled this Account to provide overdraft protection, you may 
link this credit card Account to the eligible checking account with us to cover an overdraft on that pre-designated checking 
Account  under  the  terms  of  this  Agreement  and  your  checking  account  agreement.    Credit  Card  Overdraft  Protection 
works by charging your credit card with us for Cash Advances in the total amount of checks or other transactions drawn 
against insufficient funds, with resulting deposits of the Cash Advance amount into your checking Account to cover such 
checks or other transactions, up to your available Cash Advance Limit.  This feature allows funds to be transferred from 
your Account into your pre-designated BancorpSouth Bank checking and/or money market account(s). Transfers resulting 
from overdrafts by you (including automatic transfers to cover checking account fees) to your Account will be subject to 
the terms of this Agreement.  Each day’s total overdraft protection transaction will be processed up to the available Cash 
Advance  Limit,  regardless  of  who  initiated  the  debit(s)  that  caused  the  overdrawn  condition.    If  the  available  Cash 
Advance Limit is insufficient to cover your overdraft, we may refuse to process any such overdraft.  Except as provided 
below,  we  will  automatically  transfer  funds  sufficient  to  cover  the  amount  of  any  overdraft  transaction  to  your  pre-
designated  checking  or  money  market  account(s).    Transfers  to  your  checking and/or money market account from your 
Account  are  processed  after  close  of  business  Monday  through  Friday  and  the  amount  of  your  then  available  Cash 
Advance Limit on your Account must be sufficient to cover all checks and other items creating an overdraft status received 
by us on that day.  A Cash Advance Transaction Fee will be assessed for each such overdraft protection advance.   

INTEREST CHARGE 
An Interest Charge is imposed on each Cash Advance from the date the transaction is made.  No Interest Charge is imposed on 
new Purchases if you pay the New Balance shown on your Periodic Statement on or before the Payment Due Date as shown on the 
Periodic  Statement  where  such  purchases  initially  appear.    If  the  New  Balance  is  not  paid  in  full  as  specified  above,  an  Interest 
Charge will apply. 
We figure the Interest Charge on your account by applying the periodic rate to the “average daily balance” of your account.  To get 
the  “average  daily  balance”  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new  transactions  and  fees,  and 
subtract last statement Interest Charges, daily payments and credits.  This gives us the daily balance.  Then, we add up all the daily 
balances  for  the  billing  cycle  and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.    This  gives  us  the  “average  daily 
balance.” 

TRANSACTION FEES 
Balance Transfer Fee 
You  will  be  charged  and  agree  to  pay  a  Balance  Transfer  Fee  as  disclosed  on  the  then-current  Rates  and  Fees  Table  for  each 
Balance  Transfer.    These  fees  are  finance  charges  for  federal  law  disclosure  purposes  (even  though  not  included  in  any  APR 
calculation). 
Cash Advance Transaction Fee 
You will be charged and agree to pay a Cash Advance Transaction Fee as disclosed on the then-current Rates and Fees Table for 
each  Cash  Advance.   These fees are finance charges for federal law disclosure purposes (even though not included in any APR 
calculation). 
Foreign Transaction Fee 
When you use your Card in another country to obtain cash or to purchase goods or services, we reserve the right to charge your 
Account  a  Foreign  Transaction  Fee  equal  to  a  bank-imposed  fee  which  will  be  a  percentage  of  the  U.S.  Dollar  amount  of  the 
transaction as may be disclosed to you pursuant to the then-current Rates and Fees Table. If a credit is subsequently given for a 
transaction, this fee will be reversed as part of such credit.  This fee is a finance charge for federal law disclosure purposes (even 
though not included in any APR calculation). 
COST OF CREDIT  
Annual Percentage Rate for Purchases and Cash Advances 
Your  ANNUAL  PERCENTAGE  RATE  (“APR”)  appears  on  the  then-current  Rates  and  Fees  Table  accompanying  your  card  or  as 
otherwise provided to you by us.  The monthly periodic rate is the applicable APR divided by 12.  The APR may be fixed or variable.  
Whether  or  not  the  rate  is  fixed  or  variable  is  indicated  on  the  then-current  Rates  and  Fees  Table  accompanying  your  card  or 
otherwise provided to you by us.  If your Account is designated as fixed rate, except for your non-compliance with this Agreement, 
i.e., incurring Penalty Rate pricing, and absent a change in terms by us, the APR will not change from the APR disclosed to you in 
your then-current Rates and Fees Table. 
Variable Annual Percentage Rates for Purchases and Cash Advances  
If your Account has a variable APR, your APR is based on a rate which may vary with each billing cycle (and is subject to becoming 
the Penalty Rate as provided below.)  The basis and standard for this variable APR will be the Prime Rate as published in The Wall 
Street  Journal  dated  the  25th  of  the  month  plus  the  addition  of  a  margin  as  disclosed  on  the  then-current  Rates  and  Fees  Table 
(which  will  be  set  at  the  time  your  Account  is  opened  based  on  several  factors,  including  your  credit  history  and  information  you 
provide on your application).  The Prime Rate is merely a reference rate and is not necessarily the best or lowest rate available for 
credit.  In the event that the 25th is a holiday or weekend, we will use the most recent prior issue published.  In the event that more 
than one prime rate is published, we will use the higher of the two rates.  In the event that The Wall Street Journal ceases to be 
published  or  ceases  or  otherwise  does  not  publish  the  Prime  Rate,  we  may  use  the  Prime  Rate  published  in  any  newspaper  of 
general circulation, or we may substitute a similar index at our sole discretion.    Any variable rate adjustment based on a change in 
the Prime Rate and your corresponding Index or margin will be effective as of the first day of the current billing cycle, and will apply 
to all new and outstanding Account balances and transactions subject to that variable rate.  If your Account has a variable APR and 
subject to the basis and standard set forth above, the APR on your Account will increase if Prime Rate increases; and the APR on 
your Account will decrease if Prime Rate decreases.  The effect of a Prime Rate increase will be to increase your periodic payment 
unless your periodic payment is a fixed or minimum payment.  If your periodic payment is a fixed or minimum payment, the effect of 
an increase in Prime Rate will be to increase the amount of the final payment or to extend the number of payments necessary to pay 
your Account balance in full. 
The Minimum Interest Charge as provided on the then-current Rates and Fees Table will be imposed on any Account subject to an 
Interest Charge. 
PENALTY RATE 
If you fail to make at least your minimum payment within 60 days after its due date, subject to advance notice requirements required 
by law, your APR will be increased to the Penalty Rate (also known as the “default rate,” or “default APR”) as disclosed on the then-
current Rates and Fees Table.  Your Account will remain at the Penalty Rate until you make six (6) consecutive timely payments as 
specified in your Periodic Statement.  If at that time you have met these requirements, the Penalty Rate will terminate and your APR 
will revert to the APR as defined in the INTEREST CHARGE section above as more particularly described and disclosed in the then-
current Rates and Fees Table.  If we decide not to increase your APR even though there is a default or if we do not increase your 
APR to the maximum Penalty Rate stated in the then-current Rates and Fees Table, we reserve our right to increase your APR to 
the Penalty Rate in the event of any future or continuing default.  We may in our discretion  determine to charge reduced Penalty 
Rates or reinstate standard rates for all or selected balances of your Account without notice.   
OTHER FEES AND CHARGES 
Annual Fee 
We may charge you an Annual Fee.  If we so charge you, this fee will be disclosed as such on the then-current Rates and Fees 
Table  we  provide  to  you.    If  there  is  no  Annual  Fee,  this  means  we  do  not  charge  a  fee  for  general  card  use.    Otherwise,  the 
imposition of Annual Fees will be handled as follows:  The Annual Fee will be added to the purchase balance and is non-refundable 
unless you notify us to cancel your Account within 30 days from the Statement Closing Date on which the Annual Fee is billed.  This 
fee will become part of your revolving balance.  
Rewards Program Fee 
We may charge you a Rewards Program Fee.  If we so charge you, this fee will be disclosed as such on the then-current Rates and 
Fees Table we provide to you.  If there is no Rewards Program Fee, this means we do not charge a fee for membership or use.  
Otherwise, imposition of a Rewards Program Fee will be handled as follows:  Enrollment in a Rewards or Affinity Program may be by 
separate membership application or automatically by product/card type.  If charged, the Rewards Program Fee will be added to the 
purchase  balance  and  is  non-refundable  unless  you  notify  us  to  cancel  your  Account  within  30  days  from  the  Statement  Closing 
Date on which the Rewards Program Fee is billed.  This fee will become part of your revolving balance.   

 
 
 
Late Fee 
A late fee in the amount provided per the then-current Rates and Fees Table will be added to your Account if at least your minimum 
payment due is not received on or before your PAYMENT DUE DATE shown on your Periodic Statement.  This fee will become part 
of your revolving balance. 
Overlimit Fee 
Consistent  with  the  TOTAL  CREDIT  LIMIT/CASH  ADVANCE  LIMIT  section  of  this Agreement, if we utilize our discretion to allow 
and authorize such transactions, we may charge an Overlimit Fee.  If we so allow, and so charge you, there will be an Overlimit Fee 
in  the  amount  provided  per  the  then-current  Rates  and  Fees  Table  imposed  on  your  Account  if  the  outstanding  balance,  minus 
Interest  Charges,  exceeds  the  Total  Credit  Limit  at  any  time  during  the  previous  billing  cycle  (subject  to  us  allowing  such 
transactions,  and  then  any  requirement  to  opt-in  as  provided  by  law).    If  there  is  no  Overlimit  Fee,  this  means  we  do  not  allow 
overlimit transactions.  If an Overlimit Fee is added to your Account, it will become part of your revolving balance.   
Returned Payment Fee 
A  Returned  Payment  Fee  (where  authorized  by  law)  in  the  amount  provided  per  the  then-current  Rates  and  Fees  Table  (and 
deemed limited to the maximum charge allowed by law) may be added to your Account if a check or similar instrument including an 
automatic  debit,  is  not  honored.   We may assess this fee if we cannot process the instrument through no fault of our own, if it is 
returned to us from the issuing institution, or if an automatic debit is returned unpaid.  We may assess this fee each time your check 
or payment is not honored, even if it is honored upon re-submission.  This fee will become part of your revolving balance. 
Expedited Service Fee 
For  an  expedited  service,  as  detailed  below,  and  as  authorized  by  law,  an  Expedited  Service  Fee  in  the  amount  provided  by  the 
then-current Rates and Fees Table will be added to your account.  Such a fee would be separate from any other applicable fee and 
is accessible if a payment method involves an expedited service, namely, a service resulting in crediting a payment to the account 
the same day (or as otherwise authorized by law), and that involves service by a live customer service representative, regardless of 
whether such payment is made in person or by telephone.  This fee will become part of your revolving balance. 
Stop Payment Fee 
We will add a Stop Payment Fee to your Account in the amount provided per the then-current Rates and Fees Table if we issue at 
your request a stop payment on a Convenience Check.  You will be responsible for any fees incurred with the party to whom the 
Convenience Check was issued.  To place a stop payment on a Convenience Check you must contact us at the phone number(s) 
and/or address provided per the then-current Rates and Fees Table and do so within time for us to reasonably act on your request.  
This fee will become part of your revolving balance. 
Replacement Cards 
You  agree  to  pay  the  Replacement  Card  Fee(s)  per  the  then-current  Rates  and  Fees  Table  to  replace  lost  or  stolen  cards  or  to 
replace  your  cards  if  your  Account  has  been  closed  and  is  later  reopened.    For  emergency  replacement  of  cards  within three (3) 
days, you agree to pay the Replacement Card Fee(s) per the then-current Rates and Fees Table plus courier charges.  This fee will 
become part of your revolving balance. 
Copy Fee 
You agree to pay a Copy Fee per copy in the amount provided per the then-current Rates and Fees Table of any item that is not a 
billing error on our part.  This fee will become part of your revolving balance. 
PROMOTIONAL OFFERS AND RATES  
From  time  to  time  and  at  our  discretion,  we  may  offer  special  promotions  under  which  purchases  of  goods  or  services  or  certain 
types of Cash Advance transactions may be billed to your Account with special promotional terms.  These special promotions may 
include special promotional rate offers and the time period for these promotions may be limited and/or subject to certain conditions.  
The Interest Charges, minimum payments and other terms for special promotions may differ from the standard terms described in 
this Agreement, or on the then-current Rates and Fees table or as may be shown on your Periodic Statement.  The standard terms 
of this Agreement still apply to any special promotion, except where specifically changed by the special promotion.  Any such offer 
will terminate if you default under this Agreement with us because you fail to make a payment, you exceed your Total Credit Limit or 
your Cash Advance Limit, you make a payment to us that is not honored, or you are otherwise in default to or with us. 
TOTAL CREDIT LIMIT/CASH ADVANCE LIMIT 
You were notified of your initial Total Credit Limit and your initial Cash Advance Limit when your Account was opened.  Thereafter, 
your Total Credit Limit and your Cash Advance Limit will also be on each Periodic Statement.  Your Total Credit Limit is the amount 
of credit that we agree to extend to you at any one time under this Agreement (“Total Credit Limit”).  Your separate Cash Advance 
Limit will be one-half of your assigned Total Credit Limit (“Cash Advance Limit”).  As authorized by, and in the manner permitted by 
law, we reserve the right to change (including reducing your Total Credit Limit and corresponding Cash Advance Limit as a portion 
thereof) by subsequent notice to you or as listed and disclosed on your Periodic Statement.  You agree not to use or permit the use 
of  your  Account  in  any  way  which  would  cause  the  balance  of  your  Account  to  exceed  your  Total  Credit  Limit  and/or  your  Cash 
Advance Limit.  You agree that if your Account balance exceeds your Total Credit Limit and/or your Cash Advance Limit, we may 
temporarily  or  permanently  terminate  your  credit  privileges,  in  our  discretion.    The  aforementioned  initial  letter  and  each  Periodic 
Statement will disclose your overall Total Credit Limit and the portion thereof that will be your Cash Advance Limit.  Subject to any 
requirement  to  opt-in  as  provided  by  law,  if  we  choose  to  allow  such  transactions,  we  may  also  approve,  in  our  discretion  (and 
charge  you  an  Overlimit  Fee  for),  transactions  that  cause  you  to  exceed  your  Total  Credit  Limit  without  waiving  any  of  our  other 
rights under this Agreement, and if a transaction exceeds any such limits, you must pay us such transactions as any other charges 
to your Account.   
PERIODIC STATEMENT 
We will send you a Periodic Statement of your Account each month that you have a credit or debit balance of more than one dollar, 
or  where  an  Interest  Charge  has  been  imposed,  or  there  has  been  activity  in  your  Account  unless  we  deem  your  Account 
uncollectible  or  delinquency  collection  proceedings  have  been  instituted  against  you.    The  Periodic  Statement  will  show  the  total 
amount that you owe us (“New Balance”).  It will also tell you the minimum payment you must make (“Minimum Payment Due”) and 
tell you when payments are due (“Payment Due Date”). Your Periodic Statement will also show the available amount of your Total 

 
 
Credit  Limit  and  the  available  amount  of  your  Cash  Advance  Limit  as  of  the  closing  date  of  the  billing  cycle  (“Statement  Closing 
Date”).     
PAYMENTS   
Instructions  for  making  payments  are  on  your  Periodic  Statement.    Each  Periodic  Statement  will  have  a  specific  date  certain 
PAYMENT DUE DATE.  In order to be credited on the day of receipt, your payment must be accompanied by the payment stub from 
your  Periodic  Statement,  and  must  be  received  in  the  form  specified,  and  by  the  hour  specified,  as  provided  by  law  and  this 
Agreement.  On the PAYMENT DUE DATE itself, payments must be received by 5:00 p.m. Central Time at the payment location 
specified on your Periodic Statement, or before close of business at any other BancorpSouth Bank location which accepts deposits 
and payments, for your payment to be credited to your Account on that PAYMENT DUE DATE.  If you make your payment in any 
other  manner,  you  agree  that  there  may  be  a  delay  in  posting  which  may  cause  you  to  incur  a  fee  and/or  Interest  Charges. 
Payments and credits posted after your PAYMENT DUE DATE or totaling less than the entire balance owing will reduce the balance 
owing as of the date posted, but will not avoid Interest Charges.  After a payment has been made, we reserve the right to withhold 
available credit, be it for your available Total Credit Limit and/or your available Cash Advance Limit, in the amount of the payment for 
7 banking days.  Any credit limits available before the payment is made will continue to be available for use during this time.   
All communications concerning disputed amounts, including any check or other payment instrument in an amount less than the full 
amount due that you send to us marked “paid in full”, or which you otherwise tender as full satisfaction of a disputed amount, must 
be sent to us at the address for billing inquiries shown below in the section regarding your right to dispute billing errors under federal 
law.  We reserve all our rights regarding such payments.  We will apply payments to your Account as required or authorized by law.  
You understand and acknowledge that this payment order may be more favorable or convenient to us and not you.  You agree that 
any  payment  you  make  may  be,  but  is  not  required  to  be,  returned  to  you  without  applying  it  to  your  Account  and  without 
presentment  or  protest,  for  reasons  we  determine  in  our  discretion,  including,  but  not  limited  to,  the  check,  money  order  or  other 
payment form: (1) is not drawn on the U.S. Post Office or a financial institution located in the United States; (2) is not payable in U. 
S. Dollars; (3) is post-dated; (4) contains a restrictive endorsement; (5) is drawn with different numeric and written amounts; and/or  
(6) is missing a signature. 
MINIMUM PAYMENTS 
Your specific Minimum Payment due will be provided on your Periodic Statement. The basis for your Minimum Payment is disclosed 
in the then-current Rates and Fees Table.  In addition, the Minimum Payment due each billing cycle will also include any amount 
which is past due.  You may at any time pay the New Balance shown on your Periodic Statement or you may pay in installments per 
billing cycle, but each billing cycle you must pay at least the Minimum Payment by the PAYMENT DUE DATE shown on the Periodic 
Statement. If you have a balance that is subject to Interest Charges, the sooner you pay us, the less you will pay in Interest Charges 
because  Interest  Charges  accrue  on  your  balance  each  day.    MAKING  ONLY  THE  MINIMUM  PAYMENT  WILL  INCREASE  THE 
AMOUNT OF INTEREST YOU PAY AND THE TIME IT TAKES TO REPAY YOUR BALANCE.  You may pay amounts greater than 
your Minimum Payment due; however, doing so will not prepay your Account.   If you pay more than the Minimum Payment due in 
any billing cycle and there is still a balance due, you must continue to make the Minimum Payment due for future billing cycles. 
OWNERSHIP OF CARDS 
All credit cards are our property.  They may be confiscated if misused.  If requested, you agree to return your cards (and the cards of 
any Authorized Users) to us at the address provided on the then-current Rates and Fees Table or the address for Billing Inquiries.  
We  are  likewise  not  liable  for  any  retention  (which  may  be  without  prior  notice  to  you)  of  your  card  by  us,  any  other  financial 
institution, any merchant, or any other provider of goods or services. 
LOSS OF CARD 
You agree to immediately notify us at the phone number(s) provided per the then-current Rates and Fees Table, if your credit card 
or any Convenience Checks are lost or stolen. 
LIABILITY FOR UNAUTHORIZED USE 
If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should notify us immediately at the 
phone number(s) and/or address provided per the then-current Rates and Fees Table.  You will not be liable for any unauthorized 
use that occurs after you notify us.  You may, however, be liable for unauthorized use that occurs before you notify us. 
DECLINING TRANSACTIONS 
We may, but are not required to, decline a transaction on your Account for any of the following reasons:(A) because of operational 
considerations, (B) because your Account is in default, (C) if we suspect fraudulent or unlawful activity, (D) we reasonably believe a 
transaction  may  be  challenged  as  illegal  under  state  or  federal  law  (such  as  casino  gambling  on  the  Internet),  or  (E)  in  our 
discretion, for any other reason.  We are not responsible for any losses if a transaction on your Account is declined for any reason, 
either by us or a third party, even if you have sufficient credit available.  Even though certain transactions may still be declined, to 
minimize possible inconvenience to you, if you are contemplating international travel, a large ticket purchase, or other out of pattern 
for  you  transactions,  you  should  inform  us  of  the  expected  transaction  date(s)  or  event(s)  at  least  2  banking  days  prior  to  the 
transaction or event.  Even if you notify us, and although you may have credit available under the Account, we may be unable to 
authorize credit for a particular transaction.  
CREDIT BALANCES 
You may request a refund of a credit balance at any time.  We may reduce the amount of any credit balance by the amount of new 
charges or fees billed to your Account.  If your Account maintains a credit balance of $1.00 or more for longer than ninety (90) days, 
we will return that amount to you via check.  If your account is a joint account, you agree that we may make the check payable to 
both of you, including mailing same to the last known address for the Account on file with us.   
FINANCIAL INFORMATION 
Upon request, you agree to promptly give us accurate financial and other information about yourself or update previous information 
given to us. 
CHANGE OF NAME, ADDRESS, OR TELEPHONE NUMBER 
You agree to give us prompt notice of any change in your name, mailing address, or telephone number.  Until such time as you so 
notify us, we may continue to use for all purposes the last known information on you on our books and records. 

 
 
 
 
INTERNATIONAL TRANSACTIONS IN FOREIGN CURRENCIES 
If you make a transaction in a foreign currency, Visa USA or MasterCard International will convert the transaction into U.S. dollars by 
using  the  respective  currency  conversion  procedures  in  their  respective  operating  regulations  in  effect  on  the  date  Visa  or 
MasterCard processes the transaction.   The rate of exchange between the transaction currency and the billing currency used for 
processing international transactions by Visa or MasterCard or other aspects of their respective currency conversion procedures will 
be based upon either (i) a government-mandated rate or (ii) a rate selected by MasterCard or Visa from a range of rates available in 
wholesale  currency  markets.    In  either  case,  the  rate  used  will  be  the  rate  in  effect  the  day  the  card  association  processes  the 
transaction.    The  currency  conversion  rate  in  effect  on  the  processing  date  may  differ  from  the  rate  in  effect  on  the  date  of  your 
transaction.    You  agree  to  accept  and  pay  the  U.S.  Dollar  amount  for  a  transaction  made  in  another  country  as  provided  in  this 
paragraph.   
If a credit is subsequently given for a transaction, the card association will use the currency conversion procedure described above.  
The  currency  conversion  rate  on  the  date  of  the  original  transaction  may  differ  from  the  rate  in  effect  on  the  date  the  transaction 
credit was issued.  This means that the amount of the credit may be different from the amount that was originally charged to your 
Account for the transaction. 
CLOSING YOUR ACCOUNT 
If you have an individual Account, you may close your Account at any time by either telephoning us or by notifying us in writing of 
your intent to close the Account.  If you have a joint Account, either Account holder may notify us in writing of the requested closure 
and we will close the Account.  Either joint account holder may re-apply for an Account and any extension of credit thereunder will 
be determined solely upon the application and credit status of the applying person.  We may close or suspend your Account at any 
time without prior notice to you for any of the reasons provided in the Default and Demand for Balance Due section below or for any 
other reason in our discretion, even if your Account is not in default.  If your Account is closed or suspended, you agree to pay us the 
unpaid balance of your Account as provided in this Agreement and as allowed by law. 
DEFAULT AND DEMAND FOR BALANCE DUE 
You will be in default and we may demand immediate payment of  the entire balance due on your Account if:     (A) your Account is 
delinquent; (B) you exceed your Total Credit Limit; (C) you die or become insolvent; (D) you fail to keep any promise you have made 
in this Agreement; (E) you give us false or misleading information on your application; or (F) we have reason to believe in good faith 
that we will have difficulty collecting your Account.  
COLLECTION COSTS 
If  we  refer  collection  of  your  Account  to  an  attorney  (who  is  not  our  salaried  employee),  you  will  be  liable  for all of our costs and 
expenses of collection, including any reasonable attorney’s fees, to the extent permitted by law.   
ENFORCING THIS AGREEMENT AND SEVERABILITY 
We can delay enforcing or not enforce any of our rights under this Agreement without losing our right to enforce them in the future.  
If any of the terms of this Agreement are found to be unenforceable, all other terms will remain in full force. 
ASSIGNMENT 
We may assign this Agreement, your Account, any amounts you owe us, or any of our rights and obligations under this agreement to 
a third party.  The person to whom we make the assignment will be entitled to any of our rights that we assign to that person.  You 
may not assign any aspect of this Agreement.  Any such attempted assignment by you will be null and void. 
GOVERNING LAW 
THIS AGREEMENT IS ACCEPTED BY US IN, AND YOUR ACCOUNT IS ADMINISTERED BY US FROM, TUPELO, MISSISSIPPI.  
REGARDLESS OF WHERE YOU LIVE OR USE YOUR ACCOUNT, THE TERMS AND ENFORCEMENT OF THIS AGREEMENT 
AND  YOUR  ACCOUNT  SHALL  BE  GOVERNED  BY  AND  INTERPRETED  IN  ACCORDANCE  WITH  MISSISSIPPI  LAW  AND 
FEDERAL LAW AND REGULATION, WITHOUT REGARD TO CONFLICTS OF LAWS PRINCIPLES.   
ARBITRATION 
PLEASE  READ  THIS  PROVISION  CAREFULLY.    IT  PROVIDES  THAT  ANY  DISPUTE  MAY  BE  RESOLVED  BY  BINDING 
ARBITRATION  IF  EITHER  YOU  OR  WE  CHOOSE  ARBITRATION.    IF  ARBITRATION  IS  CHOSEN,  THIS  WILL  REPLACE  THE 
RIGHT  TO  GO  TO  COURT.    YOU  WILL NOT BE ABLE TO BRING A CLASS ACTION OR SIMILAR PROCEEDING IN COURT, 
NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR SIMILAR PROCEEDING.  YOU 
WILL NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR SIMILAR PROCEEDING BROUGHT BY ANYONE ELSE, OR BE 
REPRESENTED IN A CLASS ACTION OR SIMILAR PROCEEDING.  IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, 
YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE 
OR JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS 
ACTIONS).    HOWEVER,  EXCEPT  AS  OTHERWISE  PROVIDED  BELOW,  THOSE  RIGHTS  ARE  WAIVED  AND  ALL  CLAIMS 
MUST NOW BE RESOLVED THROUGH ARBITRATION. 
If either you or we choose or elect arbitration of any claim, dispute, or controversy, (which may be without the other’s consent), any 
claim,  dispute  or  controversy  by  either  you  or  us  against  the  other  (or  against  the  employees,  parents,  subsidiaries,  affiliates, 
beneficiaries, agents or assigns of the other) arising from or relating in any way to your Account, transactions on your Account, our 
relationship, this Agreement or any provisions of this Agreement, any prior Agreement, any disclosures, advertising, or application 
(hereafter  “Claim”  or  “Claims”),  including  Claims  regarding  the  applicability  or  validity  of  this  arbitration  clause,  shall  be  resolved 
exclusively  and  finally  by  binding  arbitration.    This  Arbitration  Agreement  includes  Claims  that  arose  in  the  past,  or  arise  in  the 
present or the future.  As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning.  Claims 
subject to arbitration include Claims that are made as counterclaims, cross claims, third party claims, interpleaders or otherwise, and 
a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any party 
or parties.  For this arbitration provision, “you” and “us” include the employees, parents, subsidiaries, affiliates, beneficiaries, agents 
and  assigns  of  you  and  of  us.    Additionally,  “we”  or  “us”  shall  mean  any  third  party  providing  benefits,  services,  or  products  in 
connection with the Account (including but not limited to credit bureaus, merchants that accept any credit device issued under the 
Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, 
employees, agents and representatives) if, and only if, such a third party is named by you as a co-defendant in any Claim you assert 

 
 
against us.  All Claims are subject to arbitration, no matter what theory they are based on or what remedy they seek.  This includes 
Claims based on contract, tort (including intentional tort), fraud, agency, negligence, statutory or regulatory provisions, or any other 
sources of law.  Claims made and remedies sought as part of a class action, private attorney general or other representative action 
are subject to arbitration on an individual (non-class, non-representative) basis.  As an exception to arbitration, you and we retain 
the right to pursue in a small claims court any Claim that is within that court’s jurisdiction and that proceeds on an individual basis.  
In addition, at any time you or we may ask an appropriate court to compel arbitration of Claims, or to stay the litigation of Claims 
pending arbitration, even if such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered.  Even if 
a  party  fails  to  exercise  these  rights  at  any  particular  time,  or  in  connection  with  any  particular  Claims,  that  party  can  still  require 
arbitration at a later time or in connection with any other Claims.   
The party bringing the Claim may select any one of the following national arbitration organizations to administer the arbitration of the 
Claim: JAMS/Endispute (“JAMS”) or National Arbitration and Mediation (“NAM”).  Alternatively, the parties will endeavor to mutually 
agree upon a neutral arbitrator.  The arbitration organization that is selected will apply its code or procedures in effect at the time the 
arbitration is filed, subject to this Agreement.  The arbitration will be conducted before a single arbitrator.  The arbitrator’s authority is 
limited solely to the Claims between you and us alone.  The arbitration will not be consolidated with any other arbitration proceeding.  
You and we do not agree to any arbitration on a class action or other representative basis.  
We  will  reimburse  you  for  the  initial  arbitration  filing  fee  paid  by  you  up  to  the  amount  of  $500  upon  receipt  of  proof  of  payment.  
Additionally,  if  there  is  a  hearing,  we  will  pay  any  fees  of  the  arbitrator  and  arbitration  administrator  for  the  first  two  days  of  the 
hearing.  Each party will bear the expense of the fees and costs of that party’s attorneys, experts, witnesses, documents and other 
expenses,  regardless  of  which  party  prevails,  for  arbitration  and  any  appeal  (as  permitted  below),  except  that  the  arbitrator  shall 
apply  any  applicable  law  (and  the  section  of  this  Agreement  entitled  “Collection  Costs”)  in  determining  whether  a  party  should 
recover any or all fees and costs from another party.  The arbitrator’s award is final and binding on the parties unless a party appeals 
it in writing to the arbitration firm within fifteen days of notice of the award.  The appeal must request a new arbitration before a panel 
of three neutral arbitrators designated by the same arbitration firm.  The panel will consider all factual and legal issues anew, follow 
the  same  rules  that  apply  to  a  proceeding  using  a  single  arbitrator,  and  make  decisions  based  on  the  vote  of  the  majority.    Any 
decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of 
competent jurisdiction.  Rules and forms may be obtained from, and Claims may be filed with any of these organizations, as follows: 
JAMS  at  1920  Main  Street,  Suite  300,  Irvine,  California  92614,  website  at  www.jamsadr.com;  or  NAM  at  990  Stewart  Avenue, 
Garden  City,  NY  11530,  website  at  www.namadr.com.      Any  arbitration  hearing  at  which  you  wish  to  appear  will  take  place  at  a 
location within the federal judicial district that includes your billing address at the time the Claim is filed.  This arbitration agreement 
is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 
1-16. 
This arbitration provision applies to all Claims now in existence or that may arise in the future.  The arbitration provision shall survive 
termination of your Account as well as voluntary payment of the debt in full by you or any bankruptcy by you.  

Your Billing Rights:  Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: 

BancorpSouth 
P.O. Box 3370 
Tupelo, MS 38803 

 In your letter, give us the following information: 

• 
• 
• 

Account information:  Your name and account number. 
Dollar amount:  The dollar amount of the suspected error. 
Description of problem:  If you think there is an error on your bill, describe what you believe is wrong and why you believe 
it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
• 

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think 
is wrong. 

You must notify us of any potential errors in writing.  You may call us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter.  We will also tell you if we have 

already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 

 
 
 
 
• 
• 

If we made a mistake:  You will not have to pay the amount in question or any interest or other fees related to that amount. 
If we do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and 
fees.  We will send you a statement of the amount you owe and the date payment is due.  We may then report you as 
delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to 
pay.  If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.  We must tell you the 
name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been 
settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to 
correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 

purchase price must have been more than $50.  (Note: Neither of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2.  You must have used your credit card for the purchase.  Purchases made with cash advances from an ATM or with a 

check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the above criteria are met and you are still dissatisfied with the purchase, contact us in writing at: 

BancorpSouth 
P.O. Box 3370 
Tupelo, MS 38803 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will tell 
you our decision.  At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.   

 
 
Interest Rates and Interest Charges

Rates and Fees Table

Annual Percentage Rate (APR) 
for Purchases

APR for Balance Transfers

10.9% to 16.9% (Monthly Periodic Rates from .908% to 1.408%)
This APR will vary with the market based on the Prime Rate plus a margin from 7.65% to 13.65%, 
but will not exceed 21%.
16.9% to 21% (Monthly Periodic Rates from 1.408% to 1.750%)

This APR will vary with the market based on the Prime Rate plus a margin from 13.65% to 
19.65%, but will not exceed 21%.

APR for Cash Advances

16.9% to 21% (Monthly Periodic Rates from 1.408% to 1.750%)

Penalty APR and When it 
Applies

Paying Interest

Minimum Interest Charge
For Credit Card Tips from the 
Federal Reserve Board

This APR will vary with the market based on the Prime Rate plus a margin from 13.65% to 
19.65%, but will not exceed 21%.
21%

This APR may be applied to your account if you make a late payment.

How Long Will the Penalty APR Apply?  If your APRs are increased for this reason, the 
Penalty APR will apply until you make six consecutive minimum payments when due.
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month.  We will begin 
charging interest on cash advances and balance transfers on the transaction date.
If you are charged interest, the charge will be no less than $0.50.

To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Federal Reserve Board at http://www.federalreserve.gov/credit card. 

Fees

Annual Fee

Transaction Fees

None

        • Balance Transfer

Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee:  $60)

        • Cash Advance

Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee:  $60)

        • Foreign Transaction

2% of the U.S. dollar amount of transactions converted from a foreign currency

Penalty Fees

        • Late Payment

        • Overlimit 

        • Returned Payment

Other Fees

Up to $35

None

Up to $35

        • Rewards Program 

None

        • Stop Payment 

        • Replacement Card

        • Expedited Service

        • Copy of Sales Draft

$30

$12

$5

$10

        • Copy of Convenience Check $5

        • Copy of Statement

$2

Minimum Payments

Minimum Payment Calculation $25 or 4% of the statement balance, whichever is greater.

Addresses

Payment Address

Correspondence Address

BancorpSouth
P. O. Box 4390
Tupelo, MS 38803
BancorpSouth
P.O. Box 3370
Tupelo, MS 38803

Telephone Numbers

Customer Service

1-800-844-2723

Lost or Stolen Credit Card

1-800-844-2723

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement.