RENASANT CORP

March 12, 2025

Dear Respected Shareholder:

On behalf of the board of directors, we cordially invite you to attend the 2025 Annual Meeting of Shareholders of Renasant Corporation (“Renasant”). The annual meeting will be held beginning at 1:30 p.m., Central time, on Tuesday, April 22, 2025 at the principal executive offices of Renasant Bank, 209 Troy Street, Tupelo, Mississippi 38804-4827. The formal notice of the annual meeting appears on the next page.

At the annual meeting, you will be asked to (1) elect 14 directors (or ten directors, if we have not completed our merger with The First Bancshares, Inc. by the time of the annual meeting), each to serve a 1-year term, (2) approve an amendment to Renasant’s Articles of Incorporation, as amended (our “Articles”), to increase the number of shares of Renasant common stock authorized for issuance from 150 million shares to 250 million shares, (3) approve an amendment to our Articles to eliminate the liability of Renasant directors for monetary damages for their actions, or failure to act, as directors, subject to certain exceptions, (4) adopt, in a non-binding advisory vote, a resolution approving the compensation of our named executive officers, as described in the proxy statement, (5) ratify the appointment of HORNE LLP as our independent registered public accountants for 2025, and (6) transact such other business as may properly come before the annual meeting or any adjournments or postponements thereof.

The accompanying proxy statement provides detailed information concerning the matters to be acted upon at the annual meeting. We urge you to review this proxy statement and each of the proposals carefully. It is important that your views be represented at the annual meeting regardless of the number of shares you own or whether you are able to attend the annual meeting.

On March 12, 2025, we posted on our internet website, www.proxyvote.com, a copy of our proxy statement and proxy card for the 2025 Annual Meeting of Shareholders and our Annual Report on Form 10-K for the year ended December 31, 2024 (which serves as our Annual Report to Shareholders). On the same date, we mailed our shareholders a notice containing instructions on how to access our proxy materials over the internet and how to vote online (except that shareholders who affirmatively elected to receive paper copies of our proxy materials were mailed a full set of our proxy materials).

You may vote your shares via a toll-free telephone number or on the internet. If you received a paper copy of the proxy card, you may vote by signing, dating and mailing the accompanying proxy card in the envelope provided. Further voting instructions can be found beginning on page 65 of the proxy statement. As always, if you are the record owner of our stock, you may vote by attending the annual meeting in person. There will be no webcast or other virtual component to the annual meeting.

On behalf of our board of directors, I would like to express our appreciation for your continued interest in Renasant Corporation.

Sincerely,

E. Robinson McGraw

Chairman of the Board and

Executive Chairman