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^{260} Bonus

Eligible Customers who open a new Simmons Bank Private Banking Checking account (an “Account”) at an eligible branch between October 15, 2025 and March 31, 2026, and complete qualifying activities will receive up to three (3) cash bonuses (each a "Bonus") (not more than one (1) per statement cycle), of up to a total of $3,000 credited to the Account.

Eligibility

• “Eligible Customers” (1) are individuals at least eighteen (18) years old; (2) must furnish or have a valid Form W-9 on file with Simmons Bank and may not be subject to backup withholding; (3) may not be the primary owner of an existing Simmons Bank Private Banking Checking account or have been the primary owner of an existing Simmons Bank Private Banking Checking account in the six (6) months prior to Account opening; and (4) must have received a specified promo code (by mail, email, phone or otherwise) and use the promo code at Account opening.
• The Account must be opened at a branch using the specified promo code. Find a branch at www.simmonsbank.com/pb-offer.

Qualifying Activities

To receive a Bonus, Eligible Customers must:

• First,open a new Private Banking Checking account at a branch using the specified promo code between October 15, 2025 and March 31, 2026.
• Second, enroll in Online Banking and access the Account via the Simmons Bank Mobile app or on our website at www.simmonsbank.com in the first statement cycle and again thereafter every ninety (90) days during the promotional period.
• Third, 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") until the Bonus is awarded.
• Fourth, meet all requirements for one of the following Bonus tiers during one (1) (or more) of the first five (5) statement cycles after the Account Opening Date. A maximum of three (3) Bonuses may be earned within the first five (5) statement cycles after the Account Opening Date.
  • Tier 1 – Earn $1,000 for each statement cycle
  • Maintain an average daily balance totaling at least $250,000 across Private Banking Checking and Private Banking Money Market accounts during the statement cycle. ^{265}
  • Tier 2 – Earn $500 for each statement cycle
  • Maintain an average daily balance totaling at least $100,000 across Private Banking Checking and Private Banking Money Market accounts during the statement cycle. ^{265}

Timing of Bonus:

The Bonus will be credited to the Account on the statement date for the statement cycle in which the Bonus was earned.

Limitations:

An Account will only be eligible for up to three (3) Bonuses during the first four (4) statement cycles^{261} after the Account Opening Date. A maximum of three (3) Bonuses will be available for an Account per Eligible Customer.

An Account will only be eligible for up to three (3) Bonuses during the first five (5) statement cycles[1] after the Account Opening Date. A maximum of three (3) Bonuses will be available for an Account per Eligible Customer. A maximum of one (1) Bonus will be available for an Account per statement cycle.

This offer cannot be used in combination with any other promotion (the Refer-A-Friend Program is excluded from this limitation). Simmons Bank reserves the right to limit an Eligible Customer to $3,000 in Bonuses per rolling twelve (12) month period across all deposit relationships

IMPORTANT TAX INFORMATION:

Each Bonus will be reported to the IRS as interest income to the owner of the Account, in the year received, as required by applicable law. Bonus 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.

^{265} The average daily balance for the statement cycle is calculated by adding the daily balance of the Private Banking Checking and Private Banking Money Market accounts for each day of the statement cycle together and dividing that amount by the number of days in the statement cycle.

^{261} The first five (5) statement cycles will begin with the first statement cycle after the Account Opening Date. In the event you open your Account in the middle of a statement cycle, the first statement cycle will be the partial statement cycle that includes the Account Opening Date. The statement cycle for Private Banking Checking begins on the first day of the month and runs through the last day of the month.

^{284} Promotion available exclusively at the branches below:

Arkansas

Benton 1323 Mility, Bryant 3109 North Reynolds, Cabot 202 South Rockwood, Conway 414 Oak, Conway 600 Salem, Hensley 20622 Arch  Pike, Hot Springs 100 Werner, Hot Springs 1431 Albert Pike, Hot Springs 2350 Malvern, Little Rock 10300 Rod Parham, Little Rock 10425 Stagecoach, Little Rock 11525 Financial Center, Little Rock 2800 Kavanaugh, Little Rock 4220 Rodney Parham, Little Rock 425 W. Capitol, Little Rock 5500 Kavanaugh, Little Rock 5601 University, Little Rock 6712 Baseline, Little Rock 17901 Chenal, Maumelle 201 Carnahan, North Little Rock 2401 Crestwood, North Little Rock 3901 Camp Robinson

Kansas

Wichita 10111 W 21st  North,  Wichita 12121 East 21st,  Wichita 701 East Douglas Ave

Missouri

Chesterfield Wild Horse Creek, Des Peres 11781 Manchester, Fenton 1000 South Highway, Florissant  Howdershell, Frontenac 10301 Clayton, Manchester 611 Big Bend, O'Fallon 2455 Highway K, St Louis 4301 Manchester, St Louis 5401 S Lindbergh, St Louis 5739 Telegraph, St Louis 7151 Natural, St Louis 7800 Forsyth, St Louis 8151 Clayton, St Louis 9769 Olive Blvd., St Louis 9945 Watson, St Peters 6100 Mexico, Wentzville 985 Wentzville

Tennessee

Arlington 5810 Airline Rd, Atoka 11300 Hwy 51 South, Bolivar 809 West Market, Brentwood 201 Franklin Rd, Brentwood 93 Seaboard Ln, Brownsville 308 West Main, Collierville 1130 W Poplar, Collierville 3607 S Houston, Dyersburg 205 North Main, Dyersburg 2310 Parr Avenue, Franklin 1203 Murfreesboro, Franklin 198 East Main St, Franklin 500 Corporate Ctr, Gallatin 1135 Nashville, Germantown 1227 S Germantown, Germantown 7550 W Farmington, Goodlettsville 300 Northcreek, Hendersonville 291 E Main, Humboldt 2628 N Central, Jacon 1862 Hwy 45 by-pass, Jacon 1955 South Highland, Jacon 480 Oil Well, Kenton 107 North Poplar, Lexington 347 West Church, Martin 106 University, Memphis 400 South Main St, Memphis 4134 Elvis Presley, Memphis 510 Tillman St, Memphis 5699 Poplar Ave, Memphis 6075 Poplar Avenue, Middleton 741 South Main, Nashville 1222 Demonbreun, Nashville 7114 Hwy. 70 S., Sharon 142 East Main, Union City 100 E Reelfoot, White House Raynd Hirsch