A preferred rate for preferred clients.

^{234} Simmons Bank NMLS#: 484633

^{302} Annual Percentage Yield (APY) and rate tiers are accurate as of 9/14/2026. To qualify for this offer, Eligible Customers must open a new Private Banking Money Market Account (“Account”) at a branch using the specified promo code by 12/31/2026. Eligible New Customers must deposit at least $25,000 of New Money in the Account. Eligible Existing Customers must deposit at least $25,000 in the Account, and at least 75% of the balances being deposited in the Account must be New Money. “New Money” is money that is not currently on deposit at Simmons Bank. The current promotional APY for Account balances greater than or equal to $25,000 is 4.25%. The current APY for balances under $25,000 is 2.43%. All interest rates and APYs for the Account are variable and subject to change at any time without notice after the account is opened 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. The monthly service charge is waived for the Account if a minimum daily collected balance of $25,000 is maintained. Fees could reduce earnings on the account. Other restrictions may apply. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information.

“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 Private Banking checking or money market account (“Private Banking Account”) and has not been the primary or joint owner of a Private Banking Account in the twelve (12) months prior to Account opening. An Eligible Existing Customer is the primary or joint owner of existing Private Banking Account. Trusts and business entities are not eligible for the promotion.

All Accounts subject to approval. Simmons Bank may change or discontinue this promotional offer at any time prior to the expiration date without notice. This offer cannot be used in combination with any other promotion (the Refer-A-Friend Program is excluded from this limitation) and Eligible Customer is limited to one (1) promotion or bonus offer across all Private Banking Accounts.

^{301} Qualifications for opening a Private Banking Checking account include meeting one of the following: annual household income of $250,000 or more; or investments managed by Simmons Investment Services or Simmons Bank Private Wealth totaling $500,000 or more; or deposits in Simmons Bank consumer accounts totaling $500,000 or more; or a medical professional designation (MD, DO, DDS, DMD, OD, DPM, DVM); or medical resident or fellow.

^{243} A monthly service charge fee of $25.00 will be imposed every statement cycle unless you (a) maintain total Simmons Bank deposit balances of at least $250,000.00 from the 25^th of the month preceding the current statement cycle to the 24^th of the month within the current statement cycle (the “review cycle”); or (b) maintain an average daily balance of $10,000.00 in your Private Banking Checking account for the applicable review cycle; or (c) make $5,000.00 or more in debit card purchase transactions (excluding ATM and other cash withdrawals) during the applicable review cycle; or (d) maintain Simmons Bank Wealth Management investments of at least $500,000.00 for each day of the applicable review cycle; or (e) are a medical professional (as defined in account qualifications) in residency or fellowship any day of the applicable review cycle. The average daily balance for the review cycle is calculated by adding the daily balance of the account for each day of the review cycle together and dividing that amount by the number of days in the review cycle.

^{248} Deposit products offered by Simmons Bank, Member FDIC.