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^{252} All accounts subject to approval.

^{277} Eligible Customers who open a new Simmons Bank Elevate Money Market Account (an “Account”) using the specified promo code online or at a branch between September 14 and December 31, 2026, and complete qualifying activities will earn the promotional rate. Simmons Bank may change or discontinue this promotional offer at any time prior to the expiration date without notice.

Eligibility:

• “Eligible Customers” (1) are individuals at least eighteen (18) years old; (2) must be a US resident (including US citizens and resident aliens) with a valid US Taxpayer Identification Number on file with Simmons Bank and may not be subject to backup withholding (non-resident aliens are ineligible); (3) must have received a specified promo code (by mail, email, phone or otherwise) and use the promo code at Account opening; and (4) must be either an Eligible New Customer or Eligible Existing Customer. An Eligible New Customer is not the primary or joint owner of an existing Simmons Bank consumer checking, savings, health savings, certificate of deposit, or money market account (“Consumer Account”) and has not been the primary or joint owner of a Simmons Bank Consumer Account in the twelve (12) months prior to Account opening. An Eligible Existing Customer is the primary or joint owner of existing Consumer Account(s). Trusts and business entities are not eligible for the promotion.
• The Account must be opened at a branch or online using the specified promo code. Find a branch or open the Account online at simmonsbank.com/MMKTpromo.

Qualifying Activities: To qualify for the promotional rate, Eligible Customers must:

• First, open a new Elevate Money Market Account using the specified promo code online or at a branch between September 14 and December 31, 2026. Eligible New Customers must deposit at least $10,000 of New Money in the Account. Eligible Existing Customers must deposit at least $10,000 in the Account, and a portion of the deposit must be New Money, with the New Money portion equal to at least 75% of Eligible Existing Customer’s combined Consumer Account(s) balance.^{300} “New Money” is money that is not currently on deposit at Simmons Bank. Transfers from existing Simmons Bank accounts do not qualify.
• Second, maintain the Account as open and in good standing (as determined by Simmons Bank) from the date the Account is assigned an account number ("Account Opening Date").
• Third, meet the Account promotional balance requirements. The promotional rate and applicable promotional balance requirement tiers are shown in the following table.

The actual Annual Percentage Yield (“APY”) earned will be based on the daily collected balance of your Account and the corresponding promotional and standard (non – promotional) rates. The current APY for balances under $10,000 is 1.26%. If you qualify for the promotional rate and your daily collected balance is within the applicable balance tier shown, then your Account will earn the corresponding promotional rate on the entire balance of the Account. If your Account balance goes below the applicable balance tier shown, then your Account will earn the standard (non-promotional) variable rate on the entire balance of the Account. The promotional rate and APY are variable and subject to change at any time without notice after the Account Opening Date in Simmons Bank’s sole discretion. The promotional rates, APYs, and balance tiers may change to our standard (non-promotional) rates, APYs, and balance tiers at any time in Simmons Bank’s sole discretion. Account fees may reduce earnings. For further details, review the Terms and Conditions of Your Account. Only one (1) promotional rate may apply at any time for an Account. This offer cannot be used in combination with any other promotion (the Refer-A-Friend Program is excluded from this limitation).

 IMPORTANT TAX INFORMATION: Interest payments will be reported on IRS Form 1099-INT, along with other interest you earn at Simmons Bank, for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Simmons Bank is not a tax advisor.

^{300} An Eligible Existing Customer’s combined Consumer Account(s) balance will be determined by combining the current balances of all the Eligible Existing Customer’s Consumer Account(s) as of 5 days prior to the Account Opening Date.

^{213} Early Payday applies to certain direct deposit and other Automated Clearing House (ACH) deposit transactions, and is dependent on when the payer’s payment instructions are received by Simmons Bank. Simmons Bank may make funds from these deposits available the same day a payment instruction is received or two days before the listed effective date of the payment, whichever is later. Simmons Bank reserves the right to terminate or change this practice without any notice to you and to place any restrictions or limits Simmons Bank deems necessary.

^{16} Data connection required. Wireless carrier fees may apply. Mobile deposit is available to Simmons Bank online and mobile banking customers who are at least 18 years of age and have the most recent Simmons Bank App for iPhone®, iPad®, or Android™.