PRIVACY POLICY FOR CONSUMERS

Protecting your privacy is important to Simmons First. We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. Simmons First is committed to providing our customers a broad range of financial products and services while safeguarding customer information.

The following policy describes how we protect the confidentiality of the personal financial information you share with us, the types of nonpublic personal information collected and how the information is used. Nonpublic personal information is information we obtain in connection with providing a financial product or service to you.

This policy applies to individuals who obtain or have obtained from us a financial product or service that is used primarily for personal, family or household purposes.

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.

Simmons First does not sell customer information or customer lists to third parties.

The information collected is limited to what we believe is required in order to administer your accounts; to comply with certain laws and regulatons; and to provide you with financial products and services. We collect this information from the following sources:

• Information we receive from you on applications or other forms, such as your assets, income and other debt
• Information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions and credit card usage
• Information from a consumer reporting agency, such as information regarding your creditworthiness or credit history
• Information from third parties confirming information we have requested in the process of evaluating loan applications

The Simmons First National Corporation affiliate companies work together to provide our customers with a broad range of financial products and services. In the course of our business, we may share with affiliate companies, identifying information and transaction and experience information from our account records, such as:

• Name, address and social security number
• Account balances and account history
• Credit card usage
• Payment history

Federal law allows us to share the information listed above with our affiliates.

We may share information about you with our affiliate companies to provide you with additional products and services, to enhance customer service, and as permitted by law.

We may share information with Simmons First affiliate financial service providers such as:

• Commercial banks
• Affiliate trust company
• Mortgage company
• Securities broker-dealers

We also reserve the right to share information in the future with additional types of affiliate financial service providers, such as:

• Insurance companies or agents.

We may share some or all of the information we collect, as described above, with businesses that perform services on our behalf or other financial institutions with whom we have joint marketing agreements to provide you with additional products or services. We may share information with financial service providers, such as:

• Securities broker-dealers
• Insurance agents
• Banks

These companies are contractually obligated to keep information confidential and to use the information only for the purposes authorized.

We restrict access to all information we collect about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Simmons First National Bank
Simmons First Trust Company, N.A.
Simmons First Mortgage Company
Simmons First Bank of El Dorado, N.A.
Simmons First Bank of Hot Springs
Simmons First Bank of Jonesboro
Simmons First Bank of Northwest Arkansas
Simmons First Bank of Russellville
Simmons First Bank of Searcy
Simmons First Bank of South Arkansas

We have established procedures to maintain the accuracy of your information and to keep such information current and complete. If you believe our records contain incorrect information about you, please notify us. We will investigate your concerns and promptly correct any erroneous information.

We intend this disclosure of your privacy rights to comply with Arkansas law and the federal Protection of Nonpublic Personal Information laws, found at 15 U.S.C. Section 6801 and follows, as it exists on the date you receive this information.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Simmons First will provide our privacy policy annually, as long as you maintain an ongoing relationship with us. If you have questions about this privacy policy, please contact the Simmons First location nearest you.

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