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(Windows Media Player required) Gulf South Banking Conference - Live Webcast April 30, 2008 8:45 a.m. CT 1st Quarter 2008 Earnings - Replay Webcast April 17, 2008 3:00 p.m. CT

At Simmons First, putting the customer first has been our business since 1903.  We opened for business in Pine Bluff, Arkansas on March 23, 1903 and since that time Simmons First is committed to the philosophy that people make a difference. In spite of the changes occurring in technology and electronics, banking is still - in fact, more than ever - a "people" business. We believe our philosophy of putting you, our customer, first has been the key to our success. It's a philosophy that stresses the importance of providing our customers with a warm, friendly and competent staff offering the very best in quality services and products.

We appreciate this opportunity to serve you, and we want to earn your business and loyalty by pledging to offer the highest level of service to you on a safe, sound and competitive basis. Simmons First National Corporation currently operates eight affiliate banks that conduct financial operations from 86 offices, located in 47 different communities across the state. Simmons First offers a variety of financial services including: Personal/Commercial Checking and Savings accounts, Personal/Commercial credit cards, as well as various time deposits. Simmons also offers consumer loans, student loans, real estate construction loans and single family residential loans; commercial loans; agricultural loans; and loans to financial institutions.  Simmons offers a number of cash management products for business customers, as well as credit card processing (merchant services). Further, the company provides trust and investment management services, as well as securities and investment services. We look forward to serving you!