Affordable Advantage Simmons bank history 1903 Simmons Bank

Affordable Advantage

Simmons bank history 1903 – Simmons Bank is founded in Pine Bluff, Arkansas 1922 – Simmons Trust Department officially opens 1953 – Simmons opens its first drive-thru at the main branch in Pine Bluff 1967 – Simmons becomes the first bank in Arkansas to offer Visa® cards 1974 – Simmons opened its first ATM in Pine Bluff 1983 – Simmons First Mortgage Company was started 1984 – The first intercontinental ATM transaction was made by Simmons customer Mary Stone. She made a transaction in Australia that traveled 31, 000 miles in six seconds. 1992 – Simmons First National Corporation stock began trading on the NASDAQ stock exchange 2010 – Simmons acquires Southwest Community Bank (Springfield, MO) and Security Savings Bank FSB (Olathe, KS) 2012 – Simmons acquires Truman Bank (St. Louis, MO) and Excel Bank (Sedalia, MO) 2013 – Simmons acquires Metropolitan National Bank (Little Rock, AR) 2015 – Simmons acquires Delta Trust & Banking Corp. (Little Rock, AR), Community First Bancshares, Inc. , Liberty Bancshares, Inc. (Springfield, MO), and Trust Company of the Ozarks (Springfield, MO) 2016 – Simmons acquires Citizens National Bank (Athens, TN) 2017 – Simmons acquires First South Bank (Jackson, TN), Southwest Bank (Fort Worth, TX) and Bank SNB (Stillwater, OK) 2019 – Simmons acquires Reliance Bank (Des Peres, MO) 2020 – Simmons acquires Landmark Bank (Columbia, MO) 1

Program benefits: 3% Down payment Low Fixed rate No mortgage insurance DPA eligible Previous homeowner eligible 2

Prequal vs Preapproval Pre-qualification estimates how much you may be able to borrow, based on a mostly informal evaluation of your finances. Preapproval carries more weight and requires documentation. Document checklist for home purchase • • 2 most recent paystubs covering 30 days 2 months most recent bank statements 2 years W 2’s and/or tax returns (all pages) Gov’t issued photo ID 3

Kim Y Jones Mortgage Loan Originator NMLS# 1113526 Simmons Bank p: 901 -249 -2006 c: 901 -671 -6369 3607 S Houston Levee Rd | Collierville, TN 38017 For Pre-Qual https: //simmonsbank. com/kim-jones 4

Forbes magazine has named Simmons to its list of World’s Best Banks, ranking us in the top 20 banks in the U. S. In total, 23 countries were represented on the list of 450 banks. 5