Investing

Each of us has our own definition of financial success but sometimes we lack the experience or confidence to achieve our financial potential.

The investment consultants at BancorpSouth Investment Services, Inc. have the time to discuss your personal goals and to help you down the path to success. Whether you are an investor who enjoys the services of a traditional brokerage relationship or are seeking an advisory relationship within a managed account, BancorpSouth Investment Services Inc. can help you move toward your investment goals.

With that in mind, we offer the assistance you need along with a wide variety of investments, including:

• Stocks
• Mutual Funds
• Corporate Bonds
• Treasury Securities
• Government-Sponsored Agency Securities
• Tax-Exempt Municipal Bonds
• Variable Annuities
• Retirement Accounts
• Individual Investment Planning & Management
• Institutional Investment Management

BancorpSouth Investment Services, Inc., a wholly owned subsidiary of BancorpSouth Bank, is a Registered Investment Advisor and as such can help you plan and pursue your long-term investment goals.

STAFF

The sheer number of investment choices can be a little overwhelming. With so many options, it is good to have a trusted advisor who can sort through the available options and create a plan that makes solid financial sense.

Our representatives are professionals who will consider factors like your current financial situation, stage of life, goals, and risk erance to determine the most appropriate recommendations for you.

BANK BASED CONVENIENCE

Investing with BancorpSouth Investment Services, Inc. can be just as convenient as taking a trip to the bank. We are located in most of BancorpSouth's banking markets. You can also easily transfer funds between your banking accounts and investment accounts as needed.

Investment products offered through BancorpSouth Investments Services, Inc.

Member SIPC

Not FDIC Insured
No Bank Guarantee
May Lose Value

Business Continuity Planning Disclosure
BancorpSouth Investment Services, Inc. has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.

Contacting Us - If after a significant business disruption you cannot contact us as you usually do at 601-592-4900 or via email, thomas.howard@bxs.com, you should call one of our alternate numbers, Elizabeth Hamm at 662-680-2076 or Sol Hook at 318-795-3026. If you cannot access us through either of those means, you should contact our clearing firm, Pershing, LLC at 201-413-2247 for instructions on how to process limited trade-related transactions, cash disbursements, and security transfers. Instructions to Pershing must be in writing and transmitted via facsimile at (201) 413-5368 or by postal service as follows:

Pershing LLC
P.O. Box 2065
Jersey City, New Jersey 07303-2065

For additional information on how to request funds and securities during a significant business disruption, please visit the "About Pershing" section of the Pershing website at www.pershing.com or call (201) 413-3635 for recorded instructions. If you cannot access the Pershing instructions from the web site or the previous noted telephone number, Pershing may be contacted at (213) 624-6100, extension 500, as an alternate telephone number for recorded instructions. The Firm may not place all its variable annuity transactions through our clearing firm; rather, transactions may be placed directly through the variable annuity provider. Accordingly, in the unlikely event that we are unable to continue business, clients may directly contact their variable annuity provider, as indicated on their periodic account statements, to process limited trade-related transactions. Certain mutual fund transactions also may not be placed through our clearing firm. If this is the case, in the unlikely event that we are unable to continue business, clients may directly contact their mutual fund provider, as indicated on their periodic account statements, to process limited trade-related transactions. You may contact your representative to determine whether your mutual fund transactions are placed through our clearing firm or directly through a mutual fund provider.

Our Business Continuity Plan - We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm's books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption. Our business continuity plan addresses: data back up and recovery, all mission critical systems, financial and operational assessments, alternative communications with customers, employees, and regulators; alternate physical location of employees, critical supplier, contractor, bank and counter-party impact, regulatory reporting, and assuring our customers prompt access to their funds and securities if we are unable to continue our business. Our clearing firm, Pershing, LLC, backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within four hours. Your orders and requests for funds and securities could be delayed during this period.

Varying Disruptions - Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within 4 hours. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within 8 hours. In either situation, we plan to continue in business, transfer operations to our clearing firm if necessary, and notify you through our web site www.bancorpsouth.com or our customer emergency number, 601-592-4900 or 662-680-2076 on how to contact us. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer's prompt access to their funds and securities.

For more information - If you have questions about our business continuity planning, you can contact us at BancorpSouth Investment Services, Inc. 525 East Capital Street, Jackson, MS. 39201.