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  AGREEMENT), 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  your  en abling   a ny  pe rson   to  use  
any  card)  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 ARBITRATION AGREEMENT 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 
ARBITRATION AGREEMENT 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 to investigate your credit history from time to time as we deem appropriate by obtaining credit reports and 
making  direct  inquiries  of  other  creditors  where  you  have  accounts  and  where  you  work.  We  may  request  c r e d i t   reports  from 
credit  reporting  agencies  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  credit report  was  requested and the  name  and  address of  any 
credit  reporting  agency  that  furnished  the  report.    You  also  authorize  us  to  report  your performance  under  this  Agreement 
to  credit  reporting agencies  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  reporting  agency,  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  (“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.   Obtaining 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  
Transaction 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 you r 
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 other payment transaction 
including an automatic  debit,  is  not  honored.   We may assess this fee if we cannot process the transaction 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”).   As authorized by, and in the 
manner permitted by law, we reserve the right to change your Total Credit Limit and/or Cash Advance Limit 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 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 t his 
time. 
All communications concerning disputed amounts, including any check or other payment transaction 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  Correspondence on the then-current Rates and Fees Table.  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  f o r   C o r r e s p o n d e n c e   on  the  then-current  Rates  and  Fees 
Table.   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 dollar 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  t he 
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, 

 
intent 

to  close 

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 cancel or close your Account at any time by either telephoning us or by notifying us in 
writing  of  your 
the  Account  at  the  address  provided  on  the  then-current  Rates  and  Fees  Table  for 
Correspondence.    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  also  close  or  suspend  your  Account at 
anytime  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 per son. 
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 ARBITRATION AGREEMENT 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  reporting  agencies, 
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 AGREEMENT  applies  to  all  Claims  now  in  existence  or  that  may  arise  in  the  future.   The  ARBITRATION AGREEMENT  shall 
survive termination of your Account as well as voluntary payment of the debt in full by you or any bankruptcy by you. 

This ARBITRATION AGREEMENT not applicable to or binding on Military Lending Act Covered Borrowers:  Notwithstanding the provisions of 
the foregoing ARBITRATION AGREEMENT or of any other provision referencing arbitration contained elsewhere in this Agreement, it is our intent, and we 
hereby agree with you, that the ARBITRATION AGREEMENT would not and will not be applicable to or binding on you if, at the time you establish your 
Account, you are a “Covered Borrower”.  If you believe that there is any possibility that you might be a “Covered Borrower”, please ask your loan officer or 
customer representative to evaluate your status.  As used in this paragraph, a “Covered Borrower” means any person who, at the time such person 
becomes obligated on a loan transaction or establishes an account for consumer credit, satisfies the requirements under any one or more of the following 
classifications, or is otherwise under applicable laws deemed to be a “Covered Borrower” under the Military Lending Act, 10 U.S. Code Section 987:  (a) An 
active-duty member of the Army, Navy, Marine Corps, Air Force or Coast Guard, or a person serving on active Guard and Reserve duty (a person described 
in this clause (a) of the definition of “Covered Borrower” is hereinafter referred to as a “Service Member”); or (b) Any of the following persons, relative to a 
Service Member:  (1) The spouse; (2) A child under the age of 21; or (3) If dependent on the Service Member for more than one half of such person’s 
support, any one or more of the following persons:  (i) A child under the age of 23 enrolled in a full-time course of study at an institution of higher learning; 
(ii) A child of any age incapable of self-support due to a mental or physical incapacity that occurred before attaining age 23 while such person was 
dependent on the Service Member; (iii) Any unmarried person placed in legal custody of the Service Member who resides with such Service Member 
unless separated by military service or to receive institutional care or under other circumstances covered by Regulation; or  (iv) A parent or parent-in-law 
residing in the Service Member’s household.   

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: 

       We cannot try to collect the amount in question, or report you as delinquent on that amount. 
       The charge in question may remain on your statement, and we may continue to charge you interest 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 

Annual Percentage Rate (APR) 
for Purchases 

Rates and Fees Table / Pricing Addendum 

12.90% to 18.90% 
This APR will vary with the market based on the Prime Rate.1 

APR for Balance Transfers 

18.90% to 21% 
This APR will vary with the market based on the Prime Rate.2 

APR for Cash Advances 

18.90% to 21% 
This APR will vary with the market based on the Prime Rate.3 

Penalty APR and When it 
Applies 

21.00% 

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 

Annual Fee 

Transaction Fees  
   Balance Transfer 
   Cash Advance 
   Foreign Transaction 

Penalty Fees 
   Late Payment  
   Overlimit 
   Returned Payment 

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 $.50. 
To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

None 

Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60).  
Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60). 
2% of the U.S. dollar amount of transactions converted from a foreign currency. 

Up to $35. 
None 
Up to $35. 

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. 

₁ 7.65% to 13.65% is added to the Prime Rate to determine the APR for Purchases. 
₂ 13.65% to 19.65% is added to the Prime Rate to determine the APR for Balance Transfers. 
₃ 13.65% to 19.65% is added to the Prime Rate to determine the APR for Cash Advances. 

Other Fees 

   Rewards Program 
   Stop Payment  
   Replacement Card  
   Expedited Service  
   Copy of Sales Draft 
   Copy of Convenience Check 
   Copy of Statement 

Minimum Payment 

None 
$30 
$12 
$5 
$10 
$5 
$2 

Minimum Payment Calculation 

$25 or 4% of the statement balance, whichever is greater. 

Addresses 

Payment Address 

Correspondence Address 

Telephone Numbers 

Customer Service 
Lost or Stolen Credit Card 

BancorpSouth 
P.O. Box 4390 
Tupelo, MS 38803 

BancorpSouth 
P.O. Box 3370 
Tupelo, MS 38803 

1-800-844-2723 
1-800-844-2723