<SEC-DOCUMENT>0001552781-22-000075.txt : 20220118
<SEC-HEADER>0001552781-22-000075.hdr.sgml : 20220118
<ACCEPTANCE-DATETIME>20220118171331
ACCESSION NUMBER:		0001552781-22-000075
CONFORMED SUBMISSION TYPE:	S-4/A
PUBLIC DOCUMENT COUNT:		20
FILED AS OF DATE:		20220118
DATE AS OF CHANGE:		20220118

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SIMMONS FIRST NATIONAL CORP
		CENTRAL INDEX KEY:			0000090498
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				710407808
		STATE OF INCORPORATION:			AR
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-4/A
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-261842
		FILM NUMBER:		22535935

	BUSINESS ADDRESS:	
		STREET 1:		501 MAIN STREET
		CITY:			PINE BLUFF
		STATE:			AR
		ZIP:			71601
		BUSINESS PHONE:		8705411000

	MAIL ADDRESS:	
		STREET 1:		501 MAIN STREET
		CITY:			PINE BLUFF
		STATE:			AR
		ZIP:			71601
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-4/A
<SEQUENCE>1
<FILENAME>e22015_sfnc-s4a.htm
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>As
filed with the Securities and Exchange Commission on January 18, 2022. </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="font-size: 10pt"><B>Registration
No. 333-261842 </B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="font-size: 10pt"><B></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; border-top: Black 0pt double; border-bottom: Black 0pt solid; margin-bottom: 10pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>UNITED
STATES</B></FONT><BR>
<FONT STYLE="font-size: 14pt"><B>SECURITIES AND EXCHANGE COMMISSION</B></FONT><BR>
<FONT STYLE="font-size: 12pt"><B>WASHINGTON, D.C. 20549</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt"> Amendment
No. 1 to </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center; border-bottom: Black 0pt solid"><FONT STYLE="font-size: 18pt"><B>FORM
S-4</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>REGISTRATION STATEMENT</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B><I>UNDER</I></B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B><I>THE SECURITIES ACT OF 1933</I></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 24pt"><B>SIMMONS
FIRST NATIONAL CORPORATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0pt solid"><FONT STYLE="font-size: 10pt">(Exact
name of registrant as specified in its charter)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0.5pt solid; text-indent: 20pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 3.25pt 3.25pt; text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 3.25pt 3.25pt; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 3.25pt 3.25pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 3.25pt 3.25pt; text-align: center; font: 10pt Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-size: 10pt"><B>Arkansas</B></FONT></td>
    <TD STYLE="width: 34%; padding: 0.25pt 3.25pt 3.25pt; text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>6022</B></FONT></td>
    <TD STYLE="width: 33%; padding: 0.25pt 3.25pt 3.25pt; text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>71-0407808</B></FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 3.25pt 3.25pt; text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(State
    or other jurisdiction of<BR>
    incorporation or organization)</FONT></td>
    <TD STYLE="padding: 0.25pt 3.25pt 3.25pt; text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(Primary
    Standard Industrial<BR>
    Classification Code Number)</FONT></td>
    <TD STYLE="padding: 0.25pt 3.25pt 3.25pt; text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(I.R.S.
    Employer<BR>
    Identification Number)</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0pt solid">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 0pt solid"><FONT STYLE="font-size: 10pt"><B>501
Main Street </B><BR>
<B>Pine Bluff, Arkansas 71601 </B><BR>
<B>(870) 541-1000 </B><BR>
(Address, including zip code, and telephone number, including area code, of registrant&rsquo;s principal executive offices)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>George
A. Makris, Jr. </B><BR>
<B>Chairman and Chief Executive Officer </B><BR>
<B>Simmons First National Corporation </B><BR>
<B>501 Main Street </B><BR>
<B>Pine Bluff, Arkansas 71601 </B><BR>
<B>(870) 541-1000 </B><BR>
(Name, address, including zip code, and telephone number, including area code, of agent for service)</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><I>With
copies to:</I></B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 50%; padding: 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>George
    Makris III</B><BR>
    <B>Executive Vice President,</B><BR>
    <B>General Counsel and Corporate Secretary</B><BR>
    <B>Simmons First National Corporation</B><BR>
    <B>601 E. 3rd Street, 12th Floor</B><BR>
    <B>Little Rock, Arkansas 72201</B><BR>
    <B>(501) 558-3162</B></FONT></td>
    <TD STYLE="width: 50%; padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Frank
        M. Conner III</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Christopher
        DeCresce</B><BR>
        <B>Charlotte May</B><BR>
        <B>Covington &amp; Burling LLP</B><BR>
        <B>One CityCenter</B><BR>
        <B>850 Tenth Street N.W.</B><BR>
        <B>Washington, D.C. 20001</B><BR>
        <B>(202) 662-6000</B></FONT></P></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center; text-indent: 0">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Dean
        O. Bass</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Chairman
        and Chief Executive Officer</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>1836
        Spirit of Texas Way</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Conroe,
        Texas 77301</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>(936)
        521-1836</B></FONT></P></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Peter
        G. Weinstock</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Beth
        A. Whitaker</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Hunton
        Andrews Kurth LLP</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>1445
        Ross Avenue, Suite 3700</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>Dallas,
        Texas 75202</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>(214)
        979-3000</B></FONT></P></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>Approximate
date of commencement of the proposed sale of the securities to the public:</B> As soon as practicable after this Registration
Statement becomes effective and upon completion of the merger described in the enclosed document.</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the
securities being registered on this Form are being offered in connection with the formation of a holding company and there is
compliance with General Instruction G, check the following box. <FONT STYLE="font-family: Wingdings">o</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If this
Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, check the following
box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.
<FONT STYLE="font-family: Wingdings">o</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If this
Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the
Securities Act registration statement number of the earlier effective registration statement for the same offering. <FONT STYLE="font-family: Wingdings">o</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Indicate
by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting
company, or an emerging growth company. See the definitions of &ldquo;large accelerated filer,&rdquo; &ldquo;accelerated
filer,&rdquo; &ldquo;smaller reporting company,&rdquo; and &ldquo;emerging growth company&rdquo; in Rule 12b-2 of the Exchange
Act.</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Large
    accelerated filer <FONT STYLE="font-family: Wingdings">x</FONT></FONT></td>
    <TD STYLE="width: 42%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Accelerated
    filer <FONT STYLE="font-family: Wingdings">o</FONT></FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Non-accelerated
    filer <FONT STYLE="font-family: Wingdings">o</FONT></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Smaller
    accelerated filer <FONT STYLE="font-family: Wingdings">o</FONT></FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Emerging
    growth company <FONT STYLE="font-family: Wingdings">o</FONT></FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If an
emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. <FONT STYLE="font-family: Wingdings">o</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If applicable,
place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Exchange
Act Rule 13e-4(i) (Cross-Border Issuer Tender Offer) <FONT STYLE="font-family: Wingdings">o</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Exchange
Act Rule 14d-1(d) (Cross-Border Third-Party Tender Offer) <FONT STYLE="font-family: Wingdings">o</FONT></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; "><FONT STYLE="font-size: 10pt; color: Red"><B>Information contained herein
is subject to completion or amendment. A registration statement relating to these securities has been filed with the Securities and Exchange
Commission. These securities may not be sold nor may offers to buy be accepted prior to the time the registration statement becomes effective.
This document shall not constitute an offer to sell or the solicitation of any offer to buy these securities, nor shall there be any
sale of these securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification
under the securities laws of any such jurisdiction.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; "><FONT STYLE="font-size: 10pt; color: Red"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; "><FONT STYLE="font-size: 10pt; color: Red"><B>PRELIMINARY
- SUBJECT TO COMPLETION - DATED JANUARY 18, 2022 </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; "><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>PROXY
STATEMENT/PROSPECTUS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center">&nbsp;</P>


<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 60%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%; text-align: center; padding-right: 40pt"><IMG SRC="i21655001.jpg" ALT=""></TD>
    <TD STYLE="width: 50%; text-align: center"><IMG SRC="i21655002.jpg" ALT=""></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>PROPOSED
MERGER &mdash; YOUR VOTE IS VERY IMPORTANT</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Dear Shareholders of Spirit
of Texas Bancshares, Inc.:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On November
18, 2021, Simmons First National Corporation, which we refer to as Simmons, an Arkansas corporation and the parent holding company
of Simmons Bank, an Arkansas state-chartered bank and wholly owned subsidiary of Simmons, and Spirit of Texas Bancshares, Inc.,
which we refer to as Spirit, a Texas corporation and the parent holding company of Spirit of Texas Bank SSB, a wholly owned subsidiary
of Spirit, which we refer to as Spirit Bank, entered into an Agreement and Plan of Merger, which we refer to as the merger agreement.
Under the terms and subject to the conditions of the merger agreement, among other things, (i) Spirit will merge with and into
Simmons, with Simmons continuing as the surviving corporation, which we refer to as the merger, and (ii) immediately following
the merger, Spirit Bank will merge with and into Simmons Bank, with Simmons Bank continuing as the surviving bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The completion
of the merger will add Spirit Bank&rsquo;s 37 branches to the Simmons footprint and enhance Simmons&rsquo; existing presence in
Texas.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based on the assumptions
set forth below, under the terms of the merger agreement, upon the consummation of the merger, which we refer to as the effective time,
each share of common stock, no par value per share, of Spirit, which we refer to as Spirit common stock, that is issued and outstanding
immediately prior to the effective time, excluding certain specified shares, will be converted into the right to receive approximately
1.0105 shares of Class A Common Stock, par value $0.01 per share, of Simmons, which we refer to as Simmons common stock, subject
to certain conditions and potential adjustments (including substituting cash for Simmons common stock to the extent necessary to cash
out Spirit&rsquo;s stock options and warrants that are outstanding immediately prior to the effective time), with the precise number
of shares to be determined at the effective time, such number of shares we refer to as the exchange ratio or the per share merger consideration.
The per share merger consideration is based on the assumption that (i) 17,261,959 shares of Spirit common stock are issued and
outstanding (excluding treasury shares), (ii) 435,676 shares of Spirit common stock are reserved for issuance upon the vesting
of restricted stock units of Spirit, (iii) 780,230 shares of Spirit common stock are subject to outstanding stock options of Spirit
with a weighted average exercise price of $14.65, and (iv) 15,312 shares of Spirit common stock are subject to outstanding
warrants of Spirit with a weighted average exercise price of $12.84, in each case, immediately prior to the effective time. In
addition, the exchange ratio assumes that the average closing price of Simmons common stock is equal to $32.08, which was the
closing sales price of Simmons common </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">stock on January 7, 2022. Changes in any of these assumptions will result in changes in the per
share merger consideration. In the aggregate and based on the assumptions set forth in this paragraph, Simmons will issue approximately
17,883,538 shares of Simmons common stock to the holders of Spirit common stock, which we refer to as Spirit shareholders,
upon completion of the merger, subject to certain conditions and potential adjustments under the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The market
value of the per share merger consideration will fluctuate with the price of Simmons common stock. Shares of Simmons common stock
are listed on the Nasdaq Global Select Market, which we refer to as Nasdaq, under the symbol &ldquo;SFNC,&rdquo; and shares of
Spirit common stock are listed on Nasdaq under the symbol &ldquo;STXB.&rdquo; The following table sets forth the closing sale
price per share of Simmons common stock and Spirit common stock on November 18, 2021, the last trading day before the public announcement
of the signing of the merger agreement, and on January 14, 2022, the last practicable trading day prior to printing
this proxy statement/prospectus. The table also shows the implied value of the per share merger consideration payable for each
share of Spirit common stock on November 18, 2021 and on January 14, 2022, the last practicable trading day prior to printing
this proxy statement/prospectus, in each case using the exchange ratio described above. <B>We urge you to obtain current market
quotations for Simmons common stock and Spirit common stock before voting your shares at the Spirit special meeting.</B></FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Simmons <BR> Common <BR> Stock</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Spirit <BR> Common <BR> Stock</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Implied <BR> Value of Per Share <BR> Merger <BR> Consideration</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 61%">November 18, 2021</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">31.48</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">26.75</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 10pt"> 31.82 </FONT></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"> January 14, 2022 </TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> <FONT STYLE="font-size: 10pt">31.91</FONT> </TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> <FONT STYLE="font-size: 10pt">30.97</FONT> </TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> <FONT STYLE="font-size: 10pt">32.25</FONT> </TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
will hold a special meeting of Spirit shareholders, which we refer to as the Spirit special meeting, in connection with the merger.
Simmons and Spirit cannot complete the merger unless Spirit shareholders approve the merger agreement and the transactions contemplated
thereby, including the merger. The board of directors of Spirit, which we refer to as the Spirit board of directors, is providing
this document to solicit your proxy to vote in connection with the merger agreement and related matters. In addition, this document
is also being delivered to Spirit shareholders as Simmons&rsquo; prospectus for its offering of Simmons common stock in connection
with the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
special meeting will be held on February 24, 2022, at 12:00 pm Central Time. The Spirit special meeting will be
held in a virtual meeting format only. You will not be able to physically attend the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">You are
invited to attend and vote your shares via live webcast. In order to attend the Spirit special meeting, you must register at www.proxydocs.com/STXB
by 12:00 pm Central Time on February 23, 2022. You will be asked to provide the control number located inside
the shaded gray box on your proxy as described in the proxy. After the completion of your registration, further instructions,
including a unique link to access the Spirit special meeting, will be emailed to you.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>Your
vote is very important. To ensure your representation at the Spirit special meeting, please complete, sign, date and return the
enclosed proxy (or submit your proxy by telephone or through the internet). Whether or not you expect to attend the Spirit special
meeting, please vote promptly. Sending in your proxy now will not prevent you from voting your shares virtually at the Spirit
special meeting, since you may revoke your proxy at any time before it is voted.</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>The
Spirit board of directors unanimously approved the merger agreement and the transactions contemplated thereby and recommends that
Spirit shareholders vote &ldquo;FOR&rdquo; approval of the merger proposal, &ldquo;FOR&rdquo; the advisory proposal to approve
specified compensation that may become payable to the named executive officers of Spirit in connection with the merger and, if
necessary or appropriate, &ldquo;FOR&rdquo; the proposal to adjourn the Spirit special meeting for the purpose of soliciting additional
proxies in favor of approval of the merger agreement.</B></FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The enclosed
proxy statement/prospectus provides a detailed description of the Spirit special meeting, the merger, the merger agreement, the
documents related to the merger, and other related matters. <B>We urge you to read the proxy statement/prospectus, including any
documents incorporated in the proxy statement/prospectus by reference, and its annexes, carefully and in their entirety, including
&ldquo;Risk Factors,&rdquo; beginning on page 25, for a discussion of the risks relating to the merger. </B>You also can
obtain information about Simmons and Spirit from documents that they have filed with the Securities and Exchange Commission.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Sincerely,</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 50%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><IMG SRC="i21655003.jpg" ALT="-s- George A. Makris, Jr."></td>
    <TD STYLE="width: 50%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"><IMG SRC="i21655004.jpg" ALT="-s- Dean O. Bass"></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">George A. Makris, Jr.</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Dean O. Bass</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Chairman and Chief Executive
    Officer</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Chairman and Chief Executive
    Officer</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons First National
    Corporation</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit of Texas Bancshares,
    Inc.</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>Neither
the Securities and Exchange Commission nor any state securities commission has approved or disapproved the merger, the issuance
of the Simmons common stock to be issued in the merger, or the other transactions described in this proxy statement/prospectus
or passed upon the adequacy or accuracy of this proxy statement/prospectus. Any representation to the contrary is a criminal offense.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>The
securities to be issued in the merger are not savings or deposit accounts or other obligations of any bank or non-bank subsidiary
of either Simmons or Spirit, and they are not insured by the Federal Deposit Insurance Corporation, the Deposit Insurance Fund,
or any other governmental agency.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The date
of this proxy statement/prospectus is [ ], 2022 and it is first being mailed or otherwise delivered to Spirit shareholders on
or about [ ], 2022.</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center;"><IMG SRC="i21655002.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit of
Texas Bancshares, Inc.</B><BR>
<B>1836 Spirit of Texas Way</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Conroe, Texas
77301</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>NOTICE OF
SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON FEBRUARY 24, 2022</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">To the Shareholders of Spirit
of Texas Bancshares, Inc.:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notice
is hereby given that Spirit of Texas Bancshares, Inc., which we refer to as Spirit, will hold a special meeting of holders of
common stock, no par value per share, of Spirit, which we refer to as the Spirit special meeting, on February 24, 2022,
at 12:00 pm Central Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
special meeting will be held in a virtual meeting format only. You will not be able to physically attend the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">You are
invited to attend and vote your shares via live webcast. <U>In order to attend the Spirit special meeting, you must register at
www.proxydocs.com/STXB by 12:00 pm Central Time on February 23, 2022</U>.<B> </B>You will be asked to provide
the control number located inside the shaded gray box on your proxy as described in the proxy. After completion of your registration,
further instructions, including a unique link to access the Spirit special meeting, will be emailed to you.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
special meeting will be held for the purposes of allowing holders of common stock, no par value per share, of Spirit, which we
refer to as the Spirit shareholders, to consider and vote upon the following matters:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         proposal to approve the Agreement and Plan of Merger, dated as of November 18, 2021,
                                         which we refer to as the merger agreement, by and between Simmons First National Corporation,
                                         which we refer to as Simmons, and Spirit, pursuant to which, among other things, Spirit
                                         will merge with and into Simmons, with Simmons continuing as the surviving corporation,
                                         which we refer to as the merger, as more fully described in the attached proxy statement/prospectus,
                                         which we refer to as the merger proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         proposal to approve, on an advisory (non-binding) basis, specified compensation that
                                         may become payable to the named executive officers of Spirit in connection with the merger,
                                         which we refer to as the advisory proposal on specified compensation; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         proposal to approve one or more adjournments of the Spirit special meeting, if necessary
                                         or appropriate, to solicit additional proxies in favor of approval of the merger proposal,
                                         which we refer to as the adjournment proposal.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">These
proposals are described in greater detail in the accompanying proxy statement/prospectus. Spirit will transact no other business
at the Spirit special meeting, except for the business properly brought before the Spirit special meeting or any adjournment or
postponement thereof.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>







<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit has
fixed the close of business on January 14, 2022 as the record date for the Spirit special meeting. Only Spirit
shareholders of record at that time are entitled to notice of, and to vote at, the Spirit special meeting, or any adjournment
or postponement thereof. Approval of the merger proposal requires the affirmative vote of holders of at least a majority of
the outstanding shares of Spirit common stock entitled to vote on the merger proposal. Approval of the advisory proposal on
specified compensation and the adjournment proposal require the affirmative vote of holders of at least a majority of the
shares of Spirit common stock present or represented by proxy at the Spirit special meeting and entitled to vote on the
advisory proposal on specified compensation and the adjournment proposal, respectively. At the close of business on the
record date, 17,288,547 shares of Spirit common stock were outstanding and entitled to vote.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>Your
vote is very important. Simmons and Spirit cannot complete the merger unless Spirit shareholders approve the merger agreement.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>To
ensure your representation at the Spirit special meeting, please complete, sign, date and return the enclosed proxy by following
the instructions on your proxy (or submit your proxy by telephone or through the internet). If your shares of Spirit common stock
are held in &ldquo;street name&rdquo; through a bank, broker or other nominee, you must direct your bank, broker or nominee how
to vote in accordance with the instructions you received from your bank, broker or nominee. You may not vote shares held in &ldquo;street
name&rdquo; by returning a proxy directly to Spirit or virtually at the Spirit special meeting unless you provide a &ldquo;legal
proxy,&rdquo; which you must obtain from your bank, broker or other nominee. Whether or not you expect to attend the Spirit special
meeting, please vote promptly. Sending in your proxy now will not prevent you from voting your shares virtually at the Spirit
special meeting, since you may revoke your proxy at any time before it is voted.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
Texas law, Spirit shareholders who do not vote in favor of the merger proposal and follow certain procedural steps will be entitled
to dissenters&rsquo; rights. See &ldquo;Questions and Answers&mdash;Are Spirit shareholders entitled to dissenters&rsquo; rights?&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The enclosed
proxy statement/prospectus provides a detailed description of the Spirit special meeting, the merger, the merger agreement, the
documents related to the merger, and other related matters. We urge you to read the proxy statement/prospectus, including any
documents incorporated in the proxy statement/prospectus by reference, and its annexes, carefully and in their entirety.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>The
Spirit board of directors unanimously approved the merger agreement and the transactions contemplated thereby and recommends that
Spirit shareholders vote &ldquo;FOR&rdquo; approval of the merger agreement, &ldquo;FOR&rdquo; the advisory proposal on specified
compensation and, if necessary or appropriate, &ldquo;FOR&rdquo; the adjournment proposal.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt"><FONT STYLE="font-size: 10pt"><B>BY ORDER OF THE BOARD OF
DIRECTORS</B></FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><IMG SRC="i21655004.jpg" ALT="-s- Dean O. Bass"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Dean O. Bass</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Chairman and Chief Executive Officer</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Conroe, TX</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">[ ], 2022</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>ADDITIONAL
INFORMATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This proxy
statement/prospectus incorporates important business and financial information about Simmons and Spirit from documents filed with
the Securities and Exchange Commission, which we refer to as the SEC, that are not included in or delivered with this proxy statement/prospectus.
You can obtain any of the documents filed with or furnished to the SEC by Simmons and Spirit at no cost from the SEC&rsquo;s website
at www.sec.gov. You are also able to obtain these documents, free of charge, from Simmons at www.simmonsbank.com and from Spirit
at www.sotb.com. The websites listed above are inactive textual references only and the information provided on these websites
is not a part of the accompanying proxy statement/prospectus and therefore is not incorporated by reference into the accompanying
proxy statement/prospectus. You may also request copies of these documents concerning Simmons or Spirit, including documents incorporated
by reference in this proxy statement/prospectus, at no cost by contacting Simmons or Spirit, as applicable, at the following addresses:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons
        First National Corporation</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">601 E.
        3<SUP>rd</SUP> Street, 12<SUP>th</SUP> Floor<BR>
        Little Rock, Arkansas 72201<BR>
        Attention: Ed Bilek<BR>
        Telephone: (870) 541-1000</FONT></P></td>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit
        of Texas Bancshares, Inc.</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">1836
        Spirit of Texas Way</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Conroe,
        Texas 77301</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Attention:
        Jerry D. Golemon</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Telephone:
        (936) 521-1836</FONT></P></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If you
are a Spirit shareholder and have any questions concerning the Spirit special meeting, the merger, the merger agreement or the
proxy statement/prospectus, would like additional copies of the proxy statement/prospectus without charge or need help voting
your shares of Spirit common stock, please contact Spirit at the address above.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>These
documents are available without charge upon written or oral request. To obtain timely delivery of these documents, you must request
them no later than February 16, 2022 in order to receive them before the Spirit special meeting.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No one
has been authorized to provide you with information that is different from that contained in, or incorporated by reference into,
this document. This document is dated [ ], 2022 and you should assume that the information in this document is accurate only as
of such date. You should assume that the information incorporated by reference into this document is accurate as of the date of
such document. Neither the mailing of this document to Spirit shareholders nor the issuance by Simmons of shares of Simmons common
stock in connection with the merger will create any implication to the contrary.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For a
more detailed description of the information incorporated by reference into the accompanying proxy statement/prospectus and how
you may obtain it, see the section entitled &ldquo;Where You Can Find More Information&rdquo; for more details.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>This
document does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, or the solicitation of a
proxy, in any jurisdiction to or from any person to whom or from whom it is unlawful to make any such offer or solicitation in
that jurisdiction. Except where the context otherwise indicates, information contained in this document regarding Simmons has
been provided by Simmons and information contained in this document regarding Spirit has been provided by Spirit.</B></FONT></P>


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OF CONTENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-align: right"><FONT STYLE="font-size: 10pt"><B><U>Page</U></B></FONT></P>



<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 95%"><A HREF="#i21655a_001"><FONT STYLE="font-size: 10pt">QUESTIONS AND ANSWERS ABOUT THE MERGER AND THE SPIRIT SPECIAL MEETING</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_002"><FONT STYLE="font-size: 10pt">SUMMARY</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;11</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_003"><FONT STYLE="font-size: 10pt">MARKET PRICE AND DIVIDENDS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;22</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_004"><FONT STYLE="font-size: 10pt">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;23</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_005"><FONT STYLE="font-size: 10pt">RISK FACTORS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;25</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_006"><FONT STYLE="font-size: 10pt">Risks Relating to the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;25</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_007"><FONT STYLE="font-size: 10pt">Risks Relating to the Combined Company&rsquo;s Business Following the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;30</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_008"><FONT STYLE="font-size: 10pt">Risks Relating to an Investment in Simmons Common Stock</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;31</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_009"><FONT STYLE="font-size: 10pt">THE SPIRIT SPECIAL MEETING</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;33</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_010"><FONT STYLE="font-size: 10pt">Date, Time and Place of the Spirit Special Meeting</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;33</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_011"><FONT STYLE="font-size: 10pt">Purpose of the Spirit Special Meeting</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;33</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_012"><FONT STYLE="font-size: 10pt">Recommendation of the Spirit Board of Directors</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;33</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_013"><FONT STYLE="font-size: 10pt">Record Date and Quorum</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;34</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_014"><FONT STYLE="font-size: 10pt">Vote Required; Treatment of Abstentions and Failure to Vote</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;34</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_015"><FONT STYLE="font-size: 10pt">Shares Held by Directors and Executive Officers</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;34</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_016"><FONT STYLE="font-size: 10pt">Voting of Proxies; Incomplete Proxies</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;35</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_017"><FONT STYLE="font-size: 10pt">Shares Held in &ldquo;Street Name&rdquo;</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;35</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_018"><FONT STYLE="font-size: 10pt">Revocability of Proxies and Changes to a Spirit Shareholder&rsquo;s Vote</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;36</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_019"><FONT STYLE="font-size: 10pt">Solicitation of Proxies</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;36</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_020"><FONT STYLE="font-size: 10pt">Attending the Spirit Special Meeting</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;37</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_021"><FONT STYLE="font-size: 10pt">Delivery of Proxy Materials</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;37</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_022"><FONT STYLE="font-size: 10pt">Assistance</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;37</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_023"><FONT STYLE="font-size: 10pt">THE SPIRIT PROPOSALS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;38</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_024"><FONT STYLE="font-size: 10pt">Proposal 1: Merger Proposal</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;38</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_025"><FONT STYLE="font-size: 10pt">Proposal 2: Advisory Proposal on Specified Compensation</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;38</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_026"><FONT STYLE="font-size: 10pt">Proposal 3: Adjournment Proposal</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;39</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_027"><FONT STYLE="font-size: 10pt">Other Matters to Come Before the Spirit Special Meeting</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;39</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 0pt"><A HREF="#i21655a_028"><FONT STYLE="font-size: 10pt">INFORMATION ABOUT THE COMPANIES</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;40</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_029"><FONT STYLE="font-size: 10pt">Simmons First National Corporation</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;40</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_030"><FONT STYLE="font-size: 10pt">Spirit of Texas Bancshares, Inc.</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;40</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_031"><FONT STYLE="font-size: 10pt">THE MERGER</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;42</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_032"><FONT STYLE="font-size: 10pt">Terms of the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;42</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_033"><FONT STYLE="font-size: 10pt">Background of the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;42</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_034"><FONT STYLE="font-size: 10pt">Spirit&rsquo;s Reasons for the Merger and Recommendation of the Spirit Board of Directors</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;48</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_035"><FONT STYLE="font-size: 10pt">Opinion of Spirit&rsquo;s Financial Advisor</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;52</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_036"><FONT STYLE="font-size: 10pt">Certain Unaudited Prospective Financial Information</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;60</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_037"><FONT STYLE="font-size: 10pt">Simmons&rsquo; Reasons for the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;63</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_038"><FONT STYLE="font-size: 10pt">Management and Board of Directors of Simmons After the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;64</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_039"><FONT STYLE="font-size: 10pt">Interests of Spirit&rsquo;s Directors and Executive Officers in the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;64</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_040"><FONT STYLE="font-size: 10pt">Merger-Related Compensation for Spirit&rsquo;s Named Executive Officers</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;68</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_041"><FONT STYLE="font-size: 10pt">Regulatory Approvals Required for the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;69</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_042"><FONT STYLE="font-size: 10pt">Accounting Treatment</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;72</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_043"><FONT STYLE="font-size: 10pt">Public Trading Markets</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;72</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_044"><FONT STYLE="font-size: 10pt">Dissenters&rsquo; Rights in the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;72</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_045"><FONT STYLE="font-size: 10pt">THE MERGER AGREEMENT</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;77</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_046"><FONT STYLE="font-size: 10pt">Structure of the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;77</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_047"><FONT STYLE="font-size: 10pt">Treatment of Spirit Equity Rights</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;77</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_048"><FONT STYLE="font-size: 10pt">Potential Adjustment to Stock Consideration</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;78</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_049"><FONT STYLE="font-size: 10pt">Surviving Corporation Governing Documents, Directors and Officers</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;78</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_050"><FONT STYLE="font-size: 10pt">Closing and Effective Time</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;78</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_051"><FONT STYLE="font-size: 10pt">Conversion of Shares&#894; Exchange Procedures</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;79</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_052"><FONT STYLE="font-size: 10pt">Representations and Warranties</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;80</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_053"><FONT STYLE="font-size: 10pt">Covenants and Agreements</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;84</FONT></TD></TR>

<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt; width: 95%"><A HREF="#i21655a_054"><FONT STYLE="font-size: 10pt">Agreement Not to Solicit Other Offers</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">90</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_055"><FONT STYLE="font-size: 10pt">Spirit Special Meeting and Recommendation of the Spirit Board of Directors</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">92</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_056"><FONT STYLE="font-size: 10pt">Conditions to Consummation of the Merger</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;93</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_057"><FONT STYLE="font-size: 10pt">Termination of the Merger Agreement</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;95</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_058"><FONT STYLE="font-size: 10pt">Effect of Termination</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;96</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_059"><FONT STYLE="font-size: 10pt">Termination Fee</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;96</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_060"><FONT STYLE="font-size: 10pt">Expenses and Fees</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;96</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_061"><FONT STYLE="font-size: 10pt">Amendments and Waivers</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;96</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; padding-left: 34.6pt"><A HREF="#i21655a_062"><FONT STYLE="font-size: 10pt">Voting Agreements</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;97</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_063"><FONT STYLE="font-size: 10pt">MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES RELATING TO THE MERGER</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;98</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_064"><FONT STYLE="font-size: 10pt">COMPARISON OF SHAREHOLDERS&rsquo; RIGHTS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;101</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_065"><FONT STYLE="font-size: 10pt">LEGAL MATTERS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;114</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_066"><FONT STYLE="font-size: 10pt">EXPERTS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;114</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_067"><FONT STYLE="font-size: 10pt">OTHER MATTERS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;115</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_068"><FONT STYLE="font-size: 10pt">SIMMONS ANNUAL MEETING SHAREHOLDER PROPOSALS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;116</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_069"><FONT STYLE="font-size: 10pt">SPIRIT ANNUAL MEETING SHAREHOLDER PROPOSALS</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;117</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655a_070"><FONT STYLE="font-size: 10pt">WHERE YOU CAN FIND MORE INFORMATION</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;118</FONT></TD></TR>
</TABLE>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in 0pt; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B><U>Annex Index</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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    <TD STYLE="width: 11%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Annex
    A:</FONT></td>
    <TD STYLE="width: 89%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Agreement
    and Plan of Merger, dated as of November 18, 2021, by and between Simmons First National Corporation and Spirit of Texas Bancshares,
    Inc.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Annex
    B:</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Form
    of Support and Non-Competition Agreement, by and among Simmons First National Corporation, Spirit of Texas Bancshares, Inc.
    and certain directors and shareholders of Spirit of Texas Bancshares, Inc.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Annex
    C:</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Opinion
    of Stephens Inc.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Annex
    D:</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Chapter
    10, Subchapter H of the Texas Business Organizations Code: Dissenters&rsquo; Rights for the Shareholders of Spirit of Texas
    Bancshares, Inc.</FONT></td></tr>
</table>



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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><A NAME="i21655a_001"></A><FONT STYLE="font-size: 10pt">QUESTIONS
AND ANSWERS ABOUT THE MERGER AND THE Spirit SPECIAL MEETING</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>The
following are some questions that you may have regarding the merger and the Spirit special meeting and brief answers to those
questions. We urge you to read carefully the remainder of this proxy statement/prospectus because the information in this section
does not provide all of the information that might be important to you with respect to the merger and the Spirit special meeting.
Additional important information is also contained in the documents incorporated by reference into this proxy statement/prospectus.
See the section entitled &ldquo;Where You Can Find More Information.&rdquo; Unless the context otherwise requires, references
in this proxy statement/prospectus to Simmons refer to Simmons First National Corporation, references to Simmons Bank refer to
Simmons Bank, an Arkansas state-chartered bank and wholly owned subsidiary of Simmons, references to Spirit refer to Spirit of
Texas Bancshares, Inc., references to Spirit Bank refer to Spirit of Texas Bank SSB, a state savings bank under the laws of Texas
and wholly owned subsidiary of Spirit, and references to &ldquo;we,&rdquo; &ldquo;our&rdquo; and &ldquo;us&rdquo; refer to Simmons
and Spirit together.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>As
described below, it is important to note that the amount of per share merger consideration may increase or decrease</I> <I>due
to changes in the price of Simmons common stock or the fully diluted shares of Spirit common stock outstanding after the date
hereof. As a result, the per share merger consideration shown throughout this proxy statement/prospectus is for illustrative purposes
only based on the assumptions described herein.</I></FONT></P>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         is the merger?</B></FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons
                                         and Spirit have entered into an Agreement and Plan of Merger, dated as of November 18,
                                         2021, which we refer to as the merger agreement, pursuant to which, among other things,
                                         (i) Spirit will merge with and into Simmons, with Simmons continuing as the surviving
                                         corporation, which we refer to as the merger, and (ii) immediately following the merger,
                                         Spirit Bank will merge with and into Simmons Bank, with Simmons Bank continuing as the
                                         surviving bank, which we refer to as the bank merger. A copy of the merger agreement
                                         is attached as <U>Annex A</U> to this proxy statement/prospectus.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Why
                                         am I receiving this proxy statement/prospectus?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         is sending these materials to the holders of common stock, no par value per share, of
                                         Spirit, which we refer to as Spirit common stock, to help holders of Spirit common stock,
                                         which we refer to as Spirit shareholders, decide how to vote their shares with respect
                                         to the matters to be considered at the special meeting of Spirit shareholders, which
                                         we refer to as the Spirit special meeting.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
                                         merger cannot be completed unless the Spirit shareholders approve the merger agreement
                                         and the transactions contemplated thereby, including the merger. The proposal to approve
                                         the merger agreement and the transactions contemplated thereby, including the merger,
                                         which we refer to as the merger proposal, requires the affirmative vote of holders of
                                         at least a majority of the outstanding shares of Spirit common stock entitled to vote
                                         on the merger proposal. Spirit is holding a special meeting of Spirit shareholders to
                                         vote on the proposals necessary to complete the merger as well as other related matters.
                                         Information about the Spirit special meeting, the merger and the other business to be
                                         considered by Spirit shareholders at the Spirit special meeting is contained in this
                                         proxy statement/prospectus.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">This
                                         document constitutes both a proxy statement of Spirit and a prospectus of Simmons. It
                                         is a proxy statement because the board of directors of Spirit, which we refer to as the
                                         Spirit board of directors, is using this document to solicit proxies from the Spirit
                                         shareholders. This document is also a prospectus because Simmons, in connection with
                                         the merger, is offering shares of Class A Common Stock, par value $0.01 per share, of
                                         Simmons, which we refer to as Simmons common stock, in exchange for outstanding shares
                                         of Spirit common stock.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         will Spirit shareholders receive in the merger?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Based
                                         on the assumptions set forth below, under the terms of the merger agreement, upon the
                                         consummation of the merger, which we refer to as the effective time, each share of Spirit
                                         common stock that is issued and outstanding immediately prior to the effective time,
                                         excluding certain specified shares, will be converted into the right to receive approximately
                                         1.0105 shares of Simmons common stock, subject to certain conditions and potential
                                         adjustments (including substituting cash for Simmons common stock to the extent necessary
                                         to cash out Spirit&rsquo;s stock options and warrants that are outstanding immediately
                                         prior to the effective time, which such amount of cash we refer to as the aggregate cash
                                         consideration), with the precise number of shares to be determined at the effective time,
                                         such number of shares we refer to as the exchange ratio or the per share merger consideration.
                                         The per share merger consideration is based on the assumption that (i) 17,261,959
                                         shares of Spirit common stock are issued and outstanding (excluding treasury shares),
                                         (ii) 435,676 shares of Spirit common stock are reserved for issuance upon the
                                         vesting of the restricted stock units of Spirit, which we refer to as the Spirit RSUs,
                                         (iii) 780,230 shares of Spirit common stock are subject to outstanding stock options
                                         of Spirit with a weighted average exercise price of $14.65, and (iv) 15,312
                                         shares of Spirit common stock are subject to outstanding warrants of Spirit with
                                         a weighted average exercise price of $12.84, in each case, immediately prior to
                                         the effective time. In addition, the exchange ratio assumes that the Simmons average
                                         closing price, as described herein, is equal to $32.08, which was the closing
                                         sales price of Simmons common stock on January 7, 2022. Changes in any of these
                                         assumptions will result in changes in the per share merger consideration. In the aggregate
                                         and based on the assumptions set forth in this paragraph, Simmons will issue approximately
                                         17,883,538 shares of Simmons common stock to the Spirit shareholders upon completion
                                         of the merger, subject to certain conditions and potential adjustments under the merger
                                         agreement, which we refer to as the aggregate merger consideration.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons
                                         will not issue any fractional shares of Simmons common stock in the merger. Instead,
                                         a Spirit shareholder who would otherwise be entitled to receive a fraction of a share
                                         of Simmons common stock will receive, in lieu thereof, an amount in cash, rounded up
                                         to the nearest whole cent (without interest), determined by multiplying (i) the fraction
                                         of a share (rounded to the nearest thousandth when expressed as a decimal form) of Simmons
                                         common stock that such holder would otherwise be entitled to receive by (ii) the average
                                         of the daily closing prices for the shares of Simmons common stock for the twenty consecutive
                                         full trading days on which such shares are actually traded on Nasdaq ending at the close
                                         of trading on the tenth business day prior to the effective time (or the immediately
                                         preceding day to the tenth business day prior to the effective time if shares of Simmons
                                         common stock are not actually traded on Nasdaq on such day), which we refer to as the
                                         determination date, and which average we refer to as the Simmons average closing price.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.25in; text-indent: 0in"><FONT STYLE="font-size: 10pt">Following
completion of the merger, it is currently expected that former Spirit common shareholders as a group will own approximately 13.7%
of the combined company&rsquo;s common stock and existing Simmons shareholders as a group will own approximately 86.3%
of the combined company&rsquo;s common stock.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Will
                                         the value of the per share merger consideration change between the date of this proxy
                                         statement/prospectus and the effective time?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Yes.
                                         The market value of the per share merger consideration will fluctuate between the date
                                         of this proxy statement/prospectus and the completion of the merger based on fully diluted
                                         shares of Spirit common stock outstanding and the market value of Simmons common stock.
                                         Any change in the fully diluted shares of Spirit common stock or market price of Simmons
                                         common stock after the date of this proxy statement/prospectus will change the value
                                         of the per share merger consideration that Spirit shareholders will receive.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0in"><FONT STYLE="font-size: 10pt">There
will be no adjustment to the per share merger consideration based upon changes in the market price of Simmons common stock or
Spirit common stock prior to the time the merger is completed, and the merger agreement cannot be terminated due to a change in
the price of Simmons common stock.</FONT></P>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         will happen to Spirit equity rights in the merger?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">At
                                         the effective time, each Spirit RSU will fully vest and be canceled and converted into
                                         the right to receive the per share merger consideration, treating the Spirit RSUs as
                                         if they are shares of Spirit common stock for such purposes. </FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">At
                                         the effective time, each option granted by Spirit to purchase shares of Spirit common
                                         stock under Spirit&rsquo;s ST Financial Group, Inc. 2008 Stock Plan and Spirit&rsquo;s
                                         ST Financial Group, Inc. 2017 Stock Incentive Plan (each as amended from time to time),
                                         whether vested or unvested, which we refer to as a Spirit stock option, that is
                                         outstanding and unexercised immediately prior to the effective time, will be canceled
                                         and converted into the right to receive from Simmons a cash payment, which we refer to
                                         as a Spirit stock option payout, equal to the fully diluted per share value (described
                                         below) less the exercise price of a Spirit stock option, which we refer to as the applicable
                                         Spirit stock option amount. <br>
					 <br>
					 Notwithstanding the foregoing, any Spirit stock option that
                                         is outstanding and unexercised immediately prior to the effective time with an option
                                         exercise price that equals or exceeds the fully diluted per share value will be canceled
                                         with no consideration being paid to the optionholder with respect to such Spirit stock
                                         option. <br>
					 <br>
					 Simmons and Spirit will work cooperatively to facilitate the Spirit stock option
                                         payouts. Pursuant to the merger agreement, the Spirit board of directors or any committee
                                         thereof, prior to the effective time, must adopt such resolutions or take any actions
                                         necessary to effectuate the Spirit stock option payouts. It is expected that, prior
                                         to the effective time, the Spirit board of directors (or a committee thereof) will accelerate
                                         the vesting of all Spirit stock options and give the holders thereof notice and an opportunity
                                         to exercise their Spirit stock options. This opportunity to exercise will apply to all
                                         outstanding Spirit stock options, including those Spirit stock options for which the vesting is accelerated by Spirit&rsquo;s board of directors
                                         (or a committee thereof). </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">At
                                         the effective time, each warrant granted by Spirit to purchase shares of Spirit common
                                         stock under the Spirit warrant agreements, whether vested or unvested, that is outstanding
                                         and unexercised immediately prior to the effective time, which we refer to as a Spirit
                                         warrant, will be canceled and converted into the right to receive from Simmons a cash
                                         payment, which we refer to as a Spirit warrant payout, equal to the fully diluted per
                                         share value less the exercise price of the Spirit warrant, which we refer to as the applicable
                                         Spirit warrant amount, all in accordance with certain warrant cancellation agreements
                                         by and between Spirit and the holders of the Spirit warrants, which we refer to as the
                                         Spirit warrant holders and which agreements we refer to as the warrant cancellation agreements.
                                         Notwithstanding the foregoing, any Spirit warrant that is outstanding and unexercised
                                         immediately prior to the effective time with an exercise price that equals or exceeds
                                         the fully diluted per share value will be canceled with no consideration being paid to
                                         the Spirit warrant holders with respect to such Spirit warrant. Simmons and Spirit will
                                         work cooperatively to facilitate the Spirit warrant payouts. Pursuant to the merger agreement,
                                         the Spirit board of directors or any committee thereof, prior to the effective time,
                                         must adopt such resolutions or take any actions necessary to effectuate the Spirit warrant
                                         payouts and to ensure there are no outstanding Spirit warrants at the effective time.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">  <FONT STYLE="font-size: 10pt; font-weight: normal"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">Fully
                                         diluted per share value means, with respect to Spirit, the quotient obtained by dividing
                                         (A) the sum of (i) the aggregate cash consideration, (ii) the product of (x) the aggregate
                                         merger consideration and (y) the Simmons average closing price, (iii) the product of
                                         (x) the total number of Spirit stock options that are outstanding and unexercised
                                         immediately prior to the effective time, and (y) the weighted average exercise price
                                         for such stock options, and (iv) the product obtained by multiplying (x) the weighted
                                         average exercise price of the total number of shares of Spirit common stock underlying
                                         the Spirit warrants as of immediately prior to the effective time by (y) the total number
                                         of shares of Spirit common stock</FONT></TD></TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.25in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">underlying
                                         the Spirit warrants as of immediately prior to the effective time, by (B) the sum of
                                         (i) the total number of shares of Spirit common stock and Spirit RSUs outstanding, (ii)
                                         the total number of shares of Spirit common stock underlying the Spirit stock options,
                                         and (iii) the total number of shares of Spirit common stock underlying the Spirit warrants,
                                         each as of immediately prior to the effective time.</FONT></TD></TR></TABLE>









<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>When
                                         do you expect to complete the merger?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">We
                                         expect to complete the merger in the second quarter of 2022. However, we cannot assure
                                         you of when or if the merger will be completed. We must first obtain the approval of
                                         the Spirit shareholders, as well as obtain necessary regulatory approvals and satisfy
                                         certain other closing conditions. For further information, please see the section entitled
                                         &ldquo;The Merger Agreement&mdash;Conditions to Consummation of the Merger.&rdquo;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         am I being asked to vote on?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
                                         Spirit special meeting will be held for the purposes of allowing Spirit shareholders,
                                         to consider and vote upon the following matters:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         merger proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         proposal to approve, on an advisory (non-binding) basis, specified compensation that
                                         may become payable to the named executive officers of Spirit in connection with the merger,
                                         which we refer to as the advisory proposal on specified compensation; and</FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         proposal to approve one or more adjournments of the Spirit special meeting, if necessary
                                         or appropriate, to solicit additional proxies in favor of approval of the merger proposal,
                                         which we refer to as the adjournment proposal.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>How
                                         does the Spirit board of directors recommend that Spirit shareholders vote at the Spirit
                                         special meeting?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
                                         Spirit board of directors has unanimously approved the merger agreement and recommends
                                         that Spirit shareholders vote &ldquo;<B>FOR</B>&rdquo; the merger proposal, &ldquo;<B>FOR</B>&rdquo;
                                         the advisory proposal on specified compensation and, if necessary or appropriate, &ldquo;<B>FOR</B>&rdquo;
                                         the adjournment proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>When
                                         and where is the Spirit special meeting?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
                                         Spirit special meeting will be held on February 24, 2022 at 12:00 pm Central
                                         Time. The Spirit special meeting will be held in a virtual meeting format only. You will
                                         not be able to physically attend the Spirit special meeting.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">You
                                         are invited to attend and vote your shares via live webcast. <U>In order to attend the
                                         Spirit special meeting, you must register at www.proxydocs.com/STXB by 12:00
                                         pm Central Time on February 23, 2022</U>. You will be asked to provide the
                                         control number located inside the shaded gray box on your proxy card as described in
                                         the proxy. After completion of your registration, further instructions, including a unique
                                         link to access the Spirit special meeting, will be emailed to you.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         constitutes a quorum for the Spirit special meeting?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD><FONT STYLE="font-size: 10pt">The presence at the Spirit
special meeting, in person or by proxy, of a majority of the shares of Spirit common stock outstanding and entitled to vote as
of the close of business on January 14, 2022 which the Spirit board of directors set as the record date for the Spirit
special meeting, which we refer to as the Spirit</FONT></TD>
</TR></TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">record
                                         date, will constitute a quorum for the purposes of the Spirit special meeting. All shares
                                         of Spirit common stock represented at the Spirit special meeting or represented by proxy,
                                         including abstentions, if any, will be treated as present for purposes of determining
                                         the presence or absence of a quorum for all matters voted on at the Spirit special meeting.</FONT></TD></TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.25in"></P>








<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Who
                                         is entitled to vote?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Holders
                                         of record of Spirit common stock at the close of business on January 14, 2022,
                                         the Spirit record date, will be entitled to vote at the Spirit special meeting.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         is the vote required to approve each proposal at the Spirit special meeting?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Merger
                                         Proposal:</I></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Standard</I>:
                                         Approval of the merger proposal requires the affirmative vote of holders of at least
                                         a majority of the outstanding shares of Spirit common stock entitled to vote on the merger
                                         proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Effect
                                         of abstentions and broker non-votes: </I>If you mark &ldquo;ABSTAIN&rdquo; for the merger
                                         proposal on your proxy, fail to either submit a proxy or vote at the Spirit special meeting,
                                         or are a &ldquo;street name&rdquo; holder and fail to instruct your bank, broker or other
                                         nominee how to vote, it will have the same effect as a vote against the merger proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Advisory
                                         Proposal on Specified Compensation:</I></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Standard</I>:
                                         Approval of the advisory proposal on specified compensation requires the affirmative
                                         vote of at least a majority of shares of Spirit common stock present or represented by
                                         proxy at the Spirit special meeting and entitled to vote on the adjournment proposal.</FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Effect
                                         of abstentions and broker non-votes: </I>If you mark &ldquo;ABSTAIN&rdquo; for the advisory
                                         proposal on specified compensation on your proxy, it will have the same effect as a vote
                                         against such proposal, and if you fail to either submit a proxy or vote at the Spirit
                                         special meeting, or are a &ldquo;street name&rdquo; holder and fail to instruct your
                                         bank, broker or other nominee how to vote, it will have no effect on such proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Adjournment
                                         Proposal:</I></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Standard</I>:
                                         Approval of the adjournment proposal requires the affirmative vote of at least a majority
                                         of shares of Spirit common stock present or represented by proxy at the Spirit special
                                         meeting and entitled to vote on the adjournment proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Effect
                                         of abstentions and broker non-votes: </I>If you mark &ldquo;ABSTAIN&rdquo; for the adjournment
                                         proposal on your proxy, it will have the same effect as a vote against such proposal,
                                         and if you fail to either submit a proxy or vote at the Spirit special meeting, or are
                                         a &ldquo;street name&rdquo; holder and fail to instruct your bank, broker or other nominee
                                         how to vote, it will have no effect on such proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Are
                                         there any voting agreements with existing Spirit shareholders?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD><FONT STYLE="font-size: 10pt">In connection with entering
into the merger agreement, each member of the Spirit board of directors and Spirit&rsquo;s named executive officers, in their
capacities as individuals, have separately entered into a support and non-competition agreement, which we refer to as a Spirit
voting agreement, pursuant to which they agreed to vote their beneficially owned shares of Spirit common stock in favor of the
merger proposal and</FONT></TD>
</TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.25in"><FONT STYLE="font-size: 10pt"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">certain
                                         related matters and against alternative transactions. As of the Spirit record date, shares
                                         constituting approximately 24.7% of the Spirit common stock entitled to vote at
                                         the Spirit special meeting are subject to Spirit voting agreements. For further information,
                                         please see the section entitled &ldquo;The Merger Agreement&mdash;Voting Agreements.&rdquo;</FONT></TD></TR></TABLE>





<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Why
                                         is my vote important?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">If
                                         you do not vote, it will be more difficult for Spirit to obtain the necessary quorum
                                         to hold the Spirit special meeting. Additionally, each proposal must be approved by the
                                         voting requirements described above. The Spirit board of directors recommends that Spirit
                                         shareholders vote &ldquo;<B>FOR</B>&rdquo; the merger proposal, &ldquo;<B>FOR</B>&rdquo;
                                         the advisory proposal on specified compensation and, if necessary or appropriate, &ldquo;<B>FOR</B>&rdquo;
                                         the adjournment proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>How
                                         many votes do I have?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Each
                                         holder of shares of Spirit common stock outstanding on the Spirit record date will be
                                         entitled to one vote for each share held of record. As of the Spirit record date, there
                                         were 17,288,547 shares of Spirit common stock outstanding and entitled to notice
                                         of, and to vote at, the Spirit special meeting, held by approximately 296
                                         shareholders of record.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">As
                                         of the Spirit record date, the directors and executive officers of Spirit and their affiliates
                                         beneficially owned and were entitled to vote approximately 4,378,883 shares
                                         of Spirit common stock, representing approximately 25.3% of shares of Spirit
                                         common stock outstanding on that date.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         do I need to do now?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">After
                                         carefully reading and considering the information contained in this proxy statement/prospectus,
                                         including any documents incorporated in this proxy statement/prospectus by reference,
                                         and its annexes, Spirit shareholders should complete, sign, date and return the enclosed
                                         proxy by following the instructions on your proxy (or submit your proxy by telephone
                                         or through the internet). If your shares of Spirit common stock are held in &ldquo;street
                                         name&rdquo; by a bank, broker or other nominee, please follow the instructions on the
                                         voting instruction form provided by the record holder. Whether or not you expect to attend
                                         the Spirit special meeting, please vote promptly. Sending in your proxy now will not
                                         prevent you from voting your shares virtually at the Spirit special meeting, since you
                                         may revoke your proxy at any time before it is voted.</FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>How
                                         do I vote?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">If
                                         you hold your shares of Spirit common stock in your name as a shareholder of record as
                                         of the Spirit record date, you should follow the instructions on the proxy card and vote
                                         your shares by one of the following methods:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">via
                                         the Internet at www.proxypush.com/STXB; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">by
                                         telephone by calling 1-866-437-1228; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">by
                                         mail by completing, signing, dating and returning the enclosed proxy in the enclosed
                                         envelope, which requires no additional postage if mailed in the United States; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">by
                                         attending the Spirit special meeting and voting your shares via live webcast.</FONT></TD></TR></TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">If
                                         your shares of Spirit common stock are held in &ldquo;street name&rdquo; through a bank,
                                         broker or other nominee, you must direct your bank, broker or nominee how to vote in
                                         accordance with the instructions you received from your bank, broker or nominee. You
                                         may not vote shares held in &ldquo;street name&rdquo; by returning a proxy directly to
                                         Spirit or virtually at the Spirit special meeting unless you provide a &ldquo;legal proxy,&rdquo;
                                         which you must obtain from your bank, broker or other nominee.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>If
                                         my shares of Spirit common stock are held in &ldquo;street name&rdquo; by my bank, broker
                                         or other nominee, will my bank, broker or other nominee automatically vote my shares
                                         for me?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No.
                                         If your shares of Spirit common stock are held in &ldquo;street name&rdquo; through a
                                         bank, broker or other nominee, you must provide the record holder of your shares with
                                         instructions on how to vote your shares. Banks, brokers and other nominees who hold shares
                                         of Spirit common stock in &ldquo;street name&rdquo; for a beneficial owner of those shares
                                         typically have the authority to vote in their discretion on &ldquo;routine&rdquo; proposals
                                         when they have not received instructions from beneficial owners. However, banks, brokers
                                         and other nominees are not allowed to exercise voting discretion with respect to the
                                         approval of matters determined to be &ldquo;non-routine,&rdquo; without specific instructions
                                         from the beneficial owner. Spirit expects that all proposals to be voted on at the Spirit
                                         special meeting will be &ldquo;non-routine&rdquo; matters. Broker non-votes are shares
                                         held by a bank, broker or other nominee with respect to which such entity is not instructed
                                         by the beneficial owner of such shares to vote on the particular proposal and the broker
                                         does not have discretionary voting power on such proposal. If your bank, broker or other
                                         nominee holds your shares of Spirit common stock in &ldquo;street name,&rdquo; such entity
                                         will vote your shares of Spirit common stock only if you provide instructions on how
                                         to vote by complying with the voter instruction form sent to you by your bank, broker
                                         or other nominee with this proxy statement/prospectus.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">If
                                         you are a Spirit shareholder and you do not instruct your bank, broker or other nominee
                                         on how to vote your shares:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">your
                                         bank, broker or other nominee may not vote your shares on the merger proposal, which
                                         broker non-votes will have the same effect as a vote against such proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">your
                                         bank, broker or other nominee may not vote your shares on the advisory proposal on specified
                                         compensation, which broker non-votes will have no effect on such proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">your
                                         bank, broker or other nominee may not vote your shares on the adjournment proposal, which
                                         broker non-votes will have no effect on such proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         are the deadlines for voting?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-size: 10pt; font-weight: normal">A:</FONT></TD><TD><FONT STYLE="font-size: 10pt; font-weight: normal">If
                                         you hold your shares of Spirit common stock in your name as a shareholder of record as
                                         of the Spirit record date, you must cast your vote before the polls close during the Spirit special meeting on February
                                         24, 2022. </FONT></TD>
</TR></TABLE>




<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">For
                                         shareholders whose shares are registered in the name of a bank, broker or other nominee,
                                         please consult the voting instructions provided by your bank, broker or other nominee
                                         for information about the deadline for voting by telephone or via the Internet.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         if I abstain or do not vote?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">For
                                         purposes of the Spirit special meeting, an abstention occurs when a Spirit shareholder
                                         attends the Spirit special meeting, either in person or represented by proxy, but abstains
                                         from voting on one or more proposals.</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Merger
                                         Proposal: </I>If you mark &ldquo;ABSTAIN&rdquo; for the merger proposal on your proxy,
                                         fail to either submit a proxy or vote at the Spirit special meeting, or are a &ldquo;street
                                         name&rdquo; holder and fail to instruct your bank, broker or other nominee how to vote,
                                         it will have the same effect as a vote against the merger proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Advisory
                                         Proposal on Specified Compensation:</I> If you mark &ldquo;ABSTAIN&rdquo; for the advisory
                                         proposal on specified compensation on your proxy, it will have the same effect as a vote
                                         against such proposal, and if you fail to either submit a proxy or vote at the Spirit
                                         special meeting, or are a &ldquo;street name&rdquo; holder and fail to instruct your
                                         bank, broker or other nominee how to vote, it will have no effect on such proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><I>Adjournment
                                         Proposal:</I> If you mark &ldquo;ABSTAIN&rdquo; for the adjournment proposal on your
                                         proxy, it will have the same effect as a vote against such proposal, and if you fail
                                         to either submit a proxy or vote at the Spirit special meeting, or are a &ldquo;street
                                         name&rdquo; holder and fail to instruct your bank, broker or other nominee how to vote,
                                         it will have no effect on such proposal.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         will happen if I return my proxy without indicating how to vote?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">If
                                         any duly executed proxy is returned by a Spirit shareholder of record without indication
                                         as to how to vote, the shares of Spirit common stock represented by the proxy will be
                                         voted in favor of each of the merger proposal, the advisory proposal on specified compensation
                                         and, if necessary or appropriate, the adjournment proposal.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>May
                                         I change my vote after I have delivered my proxy?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Yes.
                                         If you hold stock in your name as a Spirit shareholder of record, you may change your
                                         vote or revoke any proxy at any time before the polls are closed at the Spirit
                                         special meeting by:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">completing,
                                         signing, dating and returning a proxy with a later date than your original proxy,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">delivering
                                         a written revocation letter to Spirit&rsquo;s corporate secretary,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">submitting
                                         a vote by telephone or by logging onto the Internet website specified on your proxy in
                                         the same manner you would to submit your proxy electronically and following the instructions
                                         indicated on the proxy (in either case before the voting deadline),
                                         or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">attending
                                         the Spirit special meeting virtually, notifying Spirit&rsquo;s corporate secretary
                                         that you are revoking your proxy and voting by ballot at the Spirit special meeting.
                                         If you choose to send a completed proxy bearing a later date than your original proxy,
                                         the new proxy must be received before polls are closed at the Spirit special meeting.</FONT></TD></TR></TABLE>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.25in; text-indent: 0in"><FONT STYLE="font-size: 10pt">If
your shares of Spirit common stock are held in &ldquo;street name&rdquo; through a bank, broker or other nominee, you should follow
the instructions of your bank, broker or other nominee regarding the revocation of voting instructions.</FONT></P>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Are
                                         Spirit shareholders entitled to dissenters&rsquo; rights?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         shareholders who do not vote in favor of the merger proposal and follow certain procedural
                                         steps will be entitled to dissenters&rsquo; rights under Chapter 10, Subchapter H of
                                         the Texas Business Organizations Code, which we refer to as the TBOC. For additional
                                         information, see &ldquo;The Merger&mdash;Dissenters&rsquo; Rights in the Merger.&rdquo;
                                         In addition, a copy of Chapter 10, Subchapter H of the TBOC is attached as <U>Annex D
                                         </U>to this proxy statement/prospectus.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         are the material U.S. federal income tax consequences of the merger to Spirit shareholders?</B></FONT></TD></TR></TABLE>

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<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD><FONT STYLE="font-size: 10pt">The merger is intended to
qualify as &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended,
which we refer to as the Code. If the merger so qualifies, a U.S. holder of Spirit common stock receiving cash in lieu of a fractional
share of Simmons common stock generally will recognize gain or loss equal to the difference between the amount of cash received
instead of a fractional share and the basis in its shares of Simmons common stock allocable to such fractional share.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">For
                                         further information, see &ldquo;Material U.S. Federal Income Tax Consequences Relating
                                         to the Merger.&rdquo;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>The
                                         U.S. federal income tax consequences described above may not apply to all holders of
                                         Spirit common stock. Your tax consequences will depend on your individual situation.
                                         Accordingly, we strongly urge you to consult your independent tax advisor for a full
                                         understanding of the particular tax consequences of the merger to you.</I></B></FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>If
                                         I am a Spirit shareholder, should I send in my stock certificates now?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No.
                                         Spirit shareholders <B>SHOULD NOT </B>send in any Spirit common stock certificates now.
                                         If the merger proposal is approved by Spirit shareholders, transmittal materials with
                                         instructions for their completion will be provided to Spirit shareholders after the effective
                                         time and under separate cover and the stock certificates should be sent at that time.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Whom
                                         may I contact if I cannot locate my Spirit stock certificate(s)?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">If
                                         you cannot locate your Spirit stock certificate(s), please contact Jerry D. Golemon at
                                         (281) 516-4904 or Shareholder Services at Computershare at (800) 962-4284.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         should I do if I receive more than one set of voting materials?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         shareholders may receive more than one set of voting materials, including multiple copies
                                         of this proxy statement/prospectus and multiple proxies or voting instruction forms.
                                         For example, if you hold shares of Spirit common stock in more than one brokerage account,
                                         you will receive a separate voting instruction form for each brokerage account in which
                                         you hold such shares. If you are a Spirit shareholder and your shares are registered
                                         in more than one name, you will receive more than one proxy. Please complete, sign, date
                                         and return each proxy and voting instruction form that you receive or otherwise follow
                                         the voting instructions set forth in this proxy statement/prospectus to ensure that you
                                         vote every share of Spirit common stock that you own.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         happens if I sell my shares of Spirit common stock after the Spirit record date but before
                                         the Spirit special meeting?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
                                         Spirit record date is earlier than the date of the Spirit special meeting and the date
                                         that the merger is expected to be completed. If you transfer your shares of Spirit common
                                         stock after the Spirit record date but before the date of the Spirit special meeting,
                                         you will retain your right to vote at such meeting (provided that such shares remain
                                         outstanding on the date of such meeting), but you will not have the right to receive
                                         any per share merger consideration for the transferred shares of Spirit common stock.
                                         You will only be entitled to receive the per share merger consideration in respect of
                                         shares of Spirit common stock that you hold at the effective time.</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Will
                                         Simmons pay dividends after the merger?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; font-weight: normal">Simmons
                                         currently pays a quarterly dividend of $0.18 per share. All dividends on Simmons common
                                         stock are declared at the discretion of the Simmons board of directors. There is no guarantee
                                         that Simmons will continue to pay dividends on its common stock or will continue to pay
                                         dividends at the same rate. For more information, see the section entitled &ldquo;Market
                                         Price and Dividends.&rdquo;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Are
                                         there risks involved in undertaking the merger?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Yes.
                                         You should read and carefully consider the risk factors set forth in the section entitled
                                         &ldquo;Risk Factors&rdquo; beginning on page 25.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         happens if the merger is not completed?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">If
                                         the merger is not completed, Spirit shareholders will not receive the per share merger
                                         consideration. Instead, each of Spirit and Simmons will remain an independent company
                                         and shares of Spirit common stock and Simmons common stock will continue to be traded
                                         on Nasdaq.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>What
                                         will happen if Spirit shareholders do not approve the advisory proposal on specified
                                         compensation?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
                                         advisory proposal on specified compensation is an advisory proposal and will not be binding
                                         on Spirit or Simmons. Approval of the advisory proposal on specified compensation is
                                         not a condition to completion of the merger. Therefore, if the merger agreement is approved
                                         by the Spirit shareholders and the merger is subsequently completed, the compensation
                                         will still be paid to Spirit&rsquo;s named executive officers, whether or not the Spirit
                                         shareholders approve the advisory proposal on specified compensation at the Spirit special
                                         meeting.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Whom
                                         should I contact if I have questions?</B></FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">If
                                         you need assistance in completing your proxy or have questions regarding the Spirit special
                                         meeting, please contact Jerry D. Golemon at (281) 516-4904 or Shareholder Services at
                                         Computershare at (800) 962-4284.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Q:</B></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Where
                                         can I find more information about Simmons and Spirit?</B></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">You
                                         can find more information about Simmons and Spirit from the various sources described
                                         under the section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></TD></TR></TABLE>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><A NAME="i21655a_002"></A><FONT STYLE="font-size: 10pt">SUMMARY</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>The
following summary highlights selected information in this proxy statement/prospectus and may not contain all the information that
may be important to you. You should read carefully this entire proxy statement/prospectus, including any document incorporated
by reference in this proxy statement/prospectus, and its annexes, because this section may not contain all of the information
that may be important to you in determining how to vote. For a description of, and instructions as to how to obtain, this information,
see the section entitled &ldquo;Where You Can Find More Information.&rdquo; Each item in this summary refers to the page of this
proxy statement/prospectus on which that subject is discussed in more detail.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B><I>The Companies (page 40)</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>&nbsp;</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>Simmons First National Corporation</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">501 Main Street</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Pine Bluff, Arkansas 71601</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Telephone: (870) 541-1000</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
is a financial holding company registered under the Bank Holding Company Act, which we refer to as the BHC Act. Simmons is headquartered
in Arkansas and as of September 30, 2021, had, on a consolidated basis, total assets of $23.2 billion, total net loans of $10.6
billion, total deposits of $18.1 billion and total shareholders&rsquo; equity of $3.0 billion. Simmons conducts its banking operations
through its subsidiary bank, Simmons Bank, in more than 200 financial centers as of September 30, 2021, located throughout market
areas in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Simmons common stock is traded on the Nasdaq Global Select
Market, which we refer to as Nasdaq, under the symbol &ldquo;SFNC.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Additional
information about Simmons and its subsidiaries is included in documents incorporated by reference in this proxy statement/prospectus.
See the section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>Spirit of Texas Bancshares, Inc.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">1836 Spirit of Texas Way</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Conroe, Texas 77301</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">(936) 521-1836</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-indent: 0.5in; "><FONT STYLE="font-size: 10pt">Spirit
is a Texas corporation and a registered bank holding company located in the Houston metropolitan area with headquarters in Conroe,
Texas. Spirit offers a broad range of commercial and retail banking services through its wholly-owned bank subsidiary, Spirit
Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-indent: 0.5in; "><FONT STYLE="font-size: 10pt">Spirit
is a business-focused bank that delivers relationship-driven financial services to small and medium-sized businesses and individuals
in its market areas. Spirit&rsquo;s philosophy is to target commercial customers whose businesses generate between $3 to $30 million
of annual revenue. Spirit&rsquo;s product offerings consist of a wide range of commercial products, including term loans and operating
lines of credit to commercial and industrial companies; commercial real estate loans; construction and development loans; SBA
loans; commercial deposit accounts; and treasury management services. In addition, Spirit&rsquo;s retail offerings include consumer
loans, 1-4 single family residential real estate loans and retail deposit products<I>. </I>Spirit common stock is traded
on Nasdaq under the symbol &ldquo;STXB.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Additional information
about Spirit and its subsidiaries is included in documents incorporated by reference in this proxy statement/prospectus. See the
section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The Merger (page
42)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The terms
and conditions of the merger are contained in the merger agreement, which is attached to this proxy statement/prospectus as <U>Annex
A</U>. We urge you to read the merger agreement carefully and in its entirety, as it is the legal document governing the merger.
All descriptions in this summary and elsewhere in this proxy statement/prospectus of the terms and conditions of the merger are
subject to, and qualified in their entirety by reference to, the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each of
the Simmons board of directors and the Spirit board of directors approved the merger agreement. The merger agreement provides
that, among other things, (i) Spirit will merge with and into Simmons, with Simmons continuing as the surviving corporation in
the merger, and (ii) immediately following the merger, Spirit Bank will merge with and into Simmons Bank, with Simmons Bank continuing
as the surviving bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based
on the assumptions set forth below, under the terms of the merger agreement, at the effective time, each share of Spirit common
stock that is issued and outstanding immediately prior to the effective time, excluding certain specified shares, will be converted
into the right to receive the per share merger consideration, subject to certain conditions and potential adjustments (including
substituting cash for Simmons common stock to the extent necessary to cash out Spirit&rsquo;s stock options and warrants that
are outstanding immediately prior to the effective time). The per share merger consideration is based on the assumption that (i)
17,261,959 shares of Spirit common stock are issued and outstanding (excluding treasury shares), (ii) 435,676 shares
of Spirit common stock are reserved for issuance upon the vesting of Spirit RSUs, (iii) 780,230 shares of Spirit common
stock are subject to outstanding Spirit stock options with a weighted average exercise price of $14.65, and (iv) 15,312
shares of Spirit common stock are subject to outstanding Spirit warrants with a weighted average exercise price of $12.84,
in each case, immediately prior to the effective time. In addition, the exchange ratio assumes that the Simmons average closing
price is equal to $32.08, which was the closing sales price of Simmons common stock on January 7, 2022. Changes
in any of these assumptions will result in changes in the per share merger consideration. In the aggregate and based on the assumptions
set forth herein, Simmons will issue approximately 17,883,538 shares of Simmons common stock to the Spirit shareholders
upon completion of the merger, subject to certain conditions and potential adjustments under the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
will not issue any fractional shares of Simmons common stock in the merger. Instead, a Spirit shareholder who would otherwise
be entitled to receive a fraction of a share of Simmons common stock will receive, in lieu thereof, an amount in cash, rounded
up to the nearest whole cent (without interest), determined by multiplying (i) the fraction of a share (rounded to the nearest
thousandth when expressed as a decimal form) of Simmons common stock that such holder would otherwise be entitled to receive by
(ii) the Simmons average closing price.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Treatment of Spirit
Equity Rights (page 77)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; font-weight: normal">At
the effective time, each Spirit RSU will fully vest and be canceled and converted into the right to receive the per share merger
consideration, treating the Spirit RSUs as if they are shares of Spirit common stock for such purposes. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the effective
time of the merger, each Spirit stock option that is outstanding and unexercised immediately prior to the effective time
will be canceled and converted into the right to receive from Simmons a Spirit stock option payout, equal to the applicable Spirit
stock option amount. Notwithstanding the foregoing, any Spirit stock option that is outstanding and unexercised immediately
prior to the effective time with an option exercise price that equals or exceeds the fully diluted per share value will be
canceled with no consideration being paid to the optionholder with respect to such Spirit stock option. Simmons and Spirit will
work cooperatively to facilitate the Spirit stock option payouts. Pursuant to the merger agreement, the Spirit board of directors
or any committee thereof, prior to the effective time, must adopt such resolutions or take any actions necessary to effectuate
the</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"> Spirit stock option payouts. It is expected that, prior to the effective time, the Spirit board of directors (or a committee
thereof) will accelerate the vesting of all Spirit stock options and give the holders thereof notice and an opportunity to exercise
their Spirit stock options. This opportunity to exercise will apply to all outstanding Spirit stock options, including those Spirit stock options for which the vesting is accelerated
by Spirit&rsquo;s board of directors (or a committee thereof). </FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the
effective time, each Spirit warrant will be canceled and converted into the right to receive from Simmons a Spirit warrant payout,
equal to the applicable Spirit warrant amount all in accordance with the warrant cancellation agreements. Notwithstanding the
foregoing, any Spirit warrant with a warrant exercise price that equals or exceeds the fully diluted per share value will be canceled
with no consideration being paid to the Spirit warrant holder with respect to such Spirit warrant. Simmons and Spirit will work
cooperatively to facilitate the Spirit warrant payouts. Pursuant to the merger agreement, the Spirit board of directors or any
committee thereof, prior to the effective time, must adopt such resolutions or take any actions necessary to effectuate the Spirit
warrant payouts and to ensure there are no outstanding Spirit warrants at the effective time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Spirit&rsquo;s
Reasons for the Merger and Recommendation of the Spirit Board of Directors (page 48)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
board of directors has unanimously approved the merger agreement and recommends that Spirit shareholders vote &ldquo;<B>FOR</B>&rdquo;
the merger proposal, &ldquo;<B>FOR</B>&rdquo; the advisory proposal on specified compensation and, if necessary or appropriate,
&ldquo;<B>FOR</B>&rdquo; the adjournment proposal. Please see the section entitled &ldquo;The Merger&mdash;Spirit&rsquo;s Reasons
for the Merger and Recommendation of the Spirit Board of Directors&rdquo; for a more detailed discussion of the factors considered
by the Spirit board of directors in reaching its decision to approve the merger agreement and the transactions contemplated thereby.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Opinion of Spirit&rsquo;s
Financial Advisor (page 52)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In connection
with the merger, Spirit&rsquo;s financial advisor, Stephens Inc., which we refer to as Stephens, delivered a written opinion, dated November
18, 2021, to the Spirit board of directors as to the fairness of the merger consideration (as described in the section entitled &ldquo;The
Merger&mdash;Opinion of Spirit&rsquo;s Financial Advisor&rdquo;) to the Spirit shareholders, from a financial point of view and as of the
date of such opinion and based on and subject to the assumptions, procedures, factors, qualifications and limitations set forth therein.
The full text of the opinion, which describes the procedures followed, assumptions made, matters considered, and qualifications and limitations
on the review undertaken by Stephens in preparing the opinion, is attached as <U>Annex C</U> to this proxy statement/prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>The
opinion was for the information of, and was directed to, the Spirit board of directors (in its capacity as such) in connection
with its consideration of the financial terms of the merger. The opinion does not address the underlying business decision of
Spirit to engage in the merger or enter into the merger agreement or constitute a recommendation to the Spirit board of directors
in connection with the merger, and it does not constitute a recommendation to any holder of Spirit common stock or any shareholder
of any other entity as to how to vote in connection with the merger or any other matter.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For a
description of Stephens&rsquo; opinion, please refer to the section entitled &ldquo;The Merger&mdash;Opinion of Spirit&rsquo;s
Financial Advisor.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Simmons&rsquo;
Reasons for the Merger (page 63)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Simmons
board of directors adopted the merger agreement. Please see the section entitled &ldquo;The Merger&mdash;Simmons&rsquo; Reasons
for the Merger&rdquo; for a more detailed discussion of the factors considered by the Simmons board of directors in reaching its
decision to adopt the merger agreement, including the merger and all transactions contemplated therein.</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The Spirit Special
Meeting (page 33)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit special
meeting will be held on February 24, 2022 at 12:00 pm Central Time. The Spirit special meeting will be held in a
virtual meeting format only. You will not be able to physically attend the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the
Spirit special meeting, Spirit shareholders will be asked to consider and vote on the merger proposal, the advisory proposal on
specified compensation and, if necessary or appropriate, the adjournment proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The presence
at the Spirit special meeting, in person or by proxy, of a majority of the shares of Spirit common stock outstanding and entitled
to vote as of the close of business on January 14, 2022 which the Spirit board of directors set as the record date for
the Spirit special meeting will constitute a quorum for the purposes of the Spirit special meeting. All shares of Spirit common
stock represented at the Spirit special meeting or represented by proxy, including abstentions, if any, will be treated as present
for purposes of determining the presence or absence of a quorum for all matters voted on at the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each holder of
shares of Spirit common stock outstanding on the Spirit record date will be entitled to one vote for each share held of record.
As of the Spirit record date, there were 17,288,547 shares of Spirit common stock outstanding and entitled to notice
of, and to vote at, the Spirit special meeting, held by approximately 296 shareholders of record.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Approval
of the merger proposal requires the affirmative vote of holders of at least a majority of the outstanding shares of Spirit common
stock entitled to vote on the merger proposal. Approval of the advisory proposal on specified compensation and of the adjournment
proposal require the affirmative vote of at least a majority of shares of Spirit common stock present or represented by proxy
at the Spirit special meeting and entitled to vote on the adjournment proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If you
mark &ldquo;ABSTAIN&rdquo; for the merger proposal on your proxy, fail to either submit a proxy or vote at the Spirit special
meeting, or are a &ldquo;street name&rdquo; holder and fail to instruct your bank, broker or other nominee how to vote, it will
have the same effect as a vote against the merger proposal. If you mark &ldquo;ABSTAIN&rdquo; for the advisory proposal on specified
compensation or for the adjournment proposal on your proxy, it will have the same effect as a vote against such proposal, and
if you fail to either submit a proxy or vote at the Spirit special meeting, or are a &ldquo;street name&rdquo; holder and fail
to instruct your bank, broker or other nominee how to vote, it will have no effect on such proposal.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Interests of Spirit&rsquo;s
Directors and Executive Officers in the Merger (page 64)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In considering
the recommendation of the Spirit board of directors, Spirit shareholders should be aware that some of Spirit&rsquo;s executive
officers and directors have interests in the merger, which may be considered to be different from, or in addition to, the interests
of the Spirit shareholders generally. The Spirit board of directors was aware of these interests and considered them, among other
matters, in reaching its decision to approve the merger agreement, the merger and the other transactions contemplated by the merger
agreement and to recommend that Spirit shareholders vote &ldquo;<B>FOR</B>&rdquo; the merger proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">These
interests are described in more detail under the section entitled &ldquo;The Merger&mdash;Interests of Spirit&rsquo;s Directors
and Executive Officers in the Merger.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Surviving Corporation
Governing Documents, Directors and Officers (page 78)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the
effective time, the amended and restated articles of incorporation of Simmons, as amended, which we refer to as the Simmons charter,
and the as amended by-laws of Simmons, which we refer to as the Simmons bylaws, in effect immediately prior to the effective time
will be the articles of incorporation and bylaws of the surviving corporation, until the same be duly amended or repealed.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The directors and officers
of Simmons immediately prior to the effective time will serve as the directors and officers of the surviving corporation from and after
the effective time in accordance with the bylaws of the surviving corporation, except that Simmons expects to have Dean Bass, Chairman
and CEO of Spirit, join the Simmons board of directors shortly following the closing of the merger as an independent director.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Regulatory Approvals
Required for the Merger (page 69)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The completion
of the merger is subject to prior receipt of certain approvals and consents required to be obtained from applicable governmental
and regulatory authorities, without materially burdensome conditions or requirements being imposed by any governmental authority
as part of a regulatory approval. These approvals include approval from, among others, the Board of Governors of the Federal Reserve
System, or the Federal Reserve, and state regulatory authorities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject
to the terms of the merger agreement, both Simmons and Spirit have agreed to cooperate with each other and use their reasonable
best efforts to prepare all documentation, to effect all applications, notices, petitions and filings, and to obtain all permits
and consents of all regulatory authorities and third parties that are necessary or advisable to consummate the transactions contemplated
by the merger agreement, including the merger. Simmons and Spirit have filed applications and notifications to obtain the required
regulatory approvals, consents and waivers.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Accounting Treatment
(page 72)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
will be accounted for as an acquisition by Simmons using the acquisition method of accounting in accordance with FASB ASC Topic
805, &ldquo;Business Combinations.&rdquo; The result of this is that (1) the recorded assets and liabilities of Simmons will be
carried forward at their recorded amounts, (2) Simmons historical operating results will be unchanged for the prior periods being
reported on, and (3) the assets and liabilities of Spirit will be adjusted to fair value at the date Simmons assumes control of
the combined entity, or the merger date. In addition, all identifiable intangibles will be recorded at fair value and included
as part of the net assets acquired. The amount by which the purchase price, consisting of the value of shares of Simmons stock
to be issued to former Spirit shareholders, and the value of cash and shares of Simmons common stock to be issued to former holders
of Spirit stock options, Spirit warrants and Spirit RSUs, which we refer to collectively as Spirit equity awards, exceeds the
fair value of the net assets including identifiable intangibles of Spirit at the merger date will be reported as goodwill. In
accordance with current accounting guidance, goodwill is not amortized and will be evaluated for impairment at least annually.
Identified intangibles will be amortized over their estimated lives. Further, the acquisition method of accounting results in
the operating results of Spirit being included in the operating results of Simmons from the closing date going forward.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Public Trading
Markets (page 72)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
common stock is listed on Nasdaq under the symbol &ldquo;SFNC&rdquo; and Spirit common stock is listed on Nasdaq under the symbol
&ldquo;STXB.&rdquo; Upon completion of the merger, Spirit common stock will be delisted from Nasdaq and thereafter will be deregistered
under the Exchange Act. The Simmons common stock issuable in the merger will be listed on Nasdaq.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Dissenters&rsquo;
Rights in the Merger (page 72)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
shareholders who do not vote in favor of the merger proposal and follow certain procedural steps will be entitled to dissenters&rsquo;
rights under Chapter 10, Subchapter H of the Texas Business Organizations Code, which we refer to as the TBOC. For additional
information, see &ldquo;The Merger&mdash;Dissenters&rsquo; Rights in the Merger.&rdquo; In addition, a copy of Chapter 10, Subchapter
H of the TBOC is attached as <U>Annex D</U> to this proxy statement/prospectus.</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Agreement Not
to Solicit Other Offers (page 90)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
has agreed that it and its subsidiaries will not, and will cause their representatives not to, directly or indirectly:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">solicit,
                                         initiate, encourage (including by providing information or assistance), facilitate or
                                         induce any acquisition proposal (as defined in the section entitled &ldquo;The Merger
                                         Agreement&mdash;Agreement Not to Solicit Other Offers&rdquo;);</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">engage
                                         or participate in any discussions or negotiations regarding, or furnish or cause to be
                                         furnished to any person any confidential or nonpublic information or data with respect
                                         to, or take any other action to facilitate any inquiries or the making of any offer or
                                         proposal that constitutes, or may reasonably be expected to lead to, an acquisition proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">adopt,
                                         approve, agree to, accept, endorse or recommend any acquisition proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">approve,
                                         agree to, accept, endorse or recommend, or propose to approve, agree to, accept, endorse
                                         or recommend any acquisition agreement (as defined in the section entitled &ldquo;The
                                         Merger Agreement&mdash;Agreement Not to Solicit Other Offers&rdquo;) contemplating or
                                         otherwise relating to any acquisition transaction (as defined in the section entitled
                                         &ldquo;The Merger Agreement&mdash;Agreement Not to Solicit Other Offers&rdquo;); or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">except
                                         as otherwise provided in the merger agreement, otherwise cooperate in any way with, or
                                         assist or participate in, or facilitate or encourage any effort or attempt by any person
                                         to do or seek to do any of the foregoing.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If Spirit
or any of its representatives receives an unsolicited, bona fide written acquisition proposal by any person at any time prior
to obtaining the requisite approval of the merger agreement by the Spirit shareholders, which we refer to as the Spirit shareholder
approval, that did not result from or arise in connection with a breach of the merger agreement, Spirit and its representatives
may, prior to (but not after) the Spirit special meeting, take the following actions if the Spirit board of directors (or any
committee thereof) has (i) determined, in its good faith judgment (after consultation with Spirit&rsquo;s financial advisors and
outside legal counsel), that such acquisition proposal constitutes or would reasonably be expected to lead to a superior proposal
(as defined in the section entitled &ldquo;The Merger Agreement&mdash;Agreement Not to Solicit Other Offers&rdquo;) and that the
failure to take such actions would be inconsistent with its fiduciary duties under applicable law, and (ii) obtained from such
person an executed confidentiality agreement containing terms at least as restrictive with respect to such person as the terms
of the confidentiality agreement are in each provision with respect to Simmons (and such confidentiality agreement will not provide
such person with any exclusive right to negotiate with Spirit): (a) furnish information to (but only if Spirit will have provided
such information to Simmons prior to furnishing it to any such person), and (b) enter into discussions and negotiations with,
such person and its representatives with respect to such unsolicited, bona fide written acquisition proposal.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Spirit Special
Meeting and Recommendation of the Spirit Board of Directors (page 92)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
has agreed to hold a meeting of its shareholders as promptly as reasonably practicable after the registration statement of which
this proxy statement/prospectus is a part is declared effective by the SEC for the purpose of obtaining the Spirit shareholder
approval.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except
as described in the following paragraph, the Spirit board of directors has agreed to unanimously recommend to the Spirit shareholders
the approval of the merger proposal, to include such recommendation in this proxy statement/prospectus and to use its reasonable
best efforts to obtain the Spirit shareholder approval. </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Except as described in the following paragraph, Spirit has agreed that
neither the Spirit board of directors nor any committee thereof will (1) withhold, withdraw, qualify or modify such recommendation
in any manner adverse to Simmons, (2) fail to make such recommendation or otherwise submit the merger proposal to the Spirit shareholders
without such recommendation, (3) adopt, approve, agree to, accept, recommend or endorse an acquisition proposal, (4) fail to publicly
and without qualification (i) recommend against any acquisition proposal or (ii) reaffirm the recommendation of the merger proposal
within ten business days (or such fewer number of days remaining prior to the Spirit special meeting) after an acquisition proposal
is made public or any request by Simmons to do so, (5) subject to certain exceptions in the merger agreement, take any action
or make any public statement, filing or release inconsistent with such recommendation, or (6) publicly propose to do any of the
foregoing, which, collectively and individually, we refer to as a change in recommendation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">However,
at any time prior to the Spirit special meeting, the Spirit board of directors may submit the merger agreement without recommendation
if Spirit has received a superior proposal (as defined in &ldquo;The Merger Agreement&mdash;Spirit Special Meeting and Recommendation
of the Spirit Board of Directors&rdquo;) (after giving effect to any revised offer from Simmons) and the Spirit board of directors
has determined in good faith, after consultation with its financial advisors and outside legal counsel, that it would be inconsistent
with the directors&rsquo; fiduciary duties under applicable law to make or continue to make the recommendation to approve the
merger proposal; provided, that the Spirit board of directors may not take such actions unless:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         has complied in all material respects with its non-solicit obligations described above;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         gives Simmons at least five business days&rsquo; notice of its intention to make a change
                                         in recommendation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">during
                                         such five business day period, Spirit has considered and negotiated, and has caused its
                                         financial advisors and outside legal counsel to, consider and negotiate with Simmons
                                         in good faith (to the extent Simmons desires to so negotiate) regarding any proposals,
                                         adjustments or modifications to the terms and conditions of the merger agreement proposed
                                         by Simmons; and</FONT></TD></TR></TABLE>


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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Spirit board of directors has determined in good faith, after consultation with its financial
                                         advisors and outside legal counsel and considering the results of such negotiations described
                                         above and giving effect to any proposals, amendments or modifications proposed by Simmons
                                         that such superior proposal (as defined in the section entitled &ldquo;The Merger Agreement&mdash;Spirit
                                         Special Meeting and Recommendation of the Spirit Board of Directors&rdquo;) remains a
                                         superior proposal and that it would nevertheless be inconsistent with the directors&rsquo;
                                         fiduciary duties under applicable law to make or continue to make the recommendation
                                         to approve the merger proposal.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any material
amendment to any acquisition proposal will require a new determination and notice period.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Conditions to
Consummation of the Merger (page 93)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The respective
obligations of each party to consummate the merger and the other transactions contemplated by the merger agreement are subject
to the satisfaction or waiver at or prior to the effective time of the following conditions:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         approval of the merger proposal by the Spirit shareholders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the receipt of all required
regulatory permits or consents from the Federal Reserve, the Texas Department of Savings and Mortgage Lending, which we refer
to as the TDSML, the Arkansas State Bank Department, which we refer to as the ASBD, the Federal Deposit Insurance Corporation,
which we refer to as the FDIC, and any other regulatory authority, and any other regulatory permits or</FONT></TD>
</TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; text-align: left; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">consents
                                         contemplated by the merger agreement the failure of which to obtain would reasonably
                                         be expected to have, either individually or in the aggregate, a material adverse effect
                                         on Simmons and Spirit (considered as a consolidated entity), in each case required to
                                         consummate the transactions contemplated by the merger agreement, including the merger,
                                         and expiration of all related statutory waiting periods, which we collectively refer
                                         to as the requisite regulatory approvals;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>







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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of any law or order (whether temporary, preliminary or permanent) by any court
                                         or regulatory authority of competent jurisdiction prohibiting, restricting or making
                                         illegal the consummation of the transactions contemplated by the merger agreement (including
                                         the merger)&#894;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         effectiveness of the registration statement of which this proxy statement/prospectus
                                         is a part under the Securities Act of 1933, as amended, which we refer to as the Securities
                                         Act, and there being no stop order, action, suit, proceeding or investigation by the
                                         Securities and Exchange Commission, which we refer to as the SEC, to suspend the effectiveness
                                         of the registration statement initiated and continuing&#894;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         approval of the listing on Nasdaq of the Simmons common stock to be issued pursuant to
                                         the merger, subject to official notice of issuance (if such approval is required by Nasdaq);</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         receipt by each party of a written opinion of Covington in form reasonably satisfactory
                                         to such parties to the effect that the merger will qualify as a &ldquo;reorganization&rdquo;
                                         within the meaning of Section 368(a) of the Code;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         accuracy of the representations and warranties of the other party in the merger agreement
                                         as of the date of the merger agreement and as of the effective time, subject to the materiality
                                         standards provided in the merger agreement;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         performance by the other party in all material respects of all obligations, agreements
                                         and covenants of such party required to be performed or complied with pursuant to the
                                         merger agreement prior to the effective time; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         receipt of (1) a certificate from the other party to the effect that the two conditions
                                         described immediately above have been satisfied and (2) certified copies of resolutions
                                         duly adopted by the other party&rsquo;s board of directors and shareholders evidencing
                                         the taking of all corporate action necessary to authorize the execution, delivery and
                                         performance of the merger agreement, and the consummation of the transactions contemplated
                                         thereby, all in such reasonable detail as the other party and its counsel may request.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"></FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
Simmons&rsquo; obligation to consummate the merger and the other transactions contemplated by the merger agreement is subject
to the satisfaction or waiver at or prior to the effective time of the following conditions:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">as reflected in Spirit&rsquo;s
closing financial statements, Spirit Bank&rsquo;s (1) delinquent loans do not exceed 0.70% of total loans, (2) non-performing
loans do not exceed 0.60% of total loans, (3) the ratio of non-performing assets to total assets is not in excess of 0.50%, (4)
the ratio of classified assets to Tier 1 capital plus ALLL is not in excess of 9.80%, (5) non-performing assets do not exceed
$12,000,000, (6) classified assets do not exceed $35,000,000 and (7) ALLL to total loans exceeds 0.70%;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">holders
                                         of not more than five percent of the outstanding shares of Spirit common stock having
                                         demanded, properly and in writing, appraisal for such shares under the TBOC;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">as
                                         reflected in Spirit&rsquo;s closing financial statements, (1) Spirit Bank being &ldquo;well
                                         capitalized&rdquo; as defined under applicable law, (2) Spirit Bank having a Tier 1 leverage
                                         ratio of not less than 10.25%, (3) Spirit Bank having a Tier 1 risked-based capital ratio
                                         of not less than 13.00%, (4) Spirit Bank having a total risked-based capital ratio of
                                         not less than 13.50%, (5) Spirit Bank having a common equity Tier 1 ratio of not less
                                         than 13.00%, and (6) Spirit Bank having not received any notification from the TDSML
                                         or FDIC to the effect that the capital of Spirit Bank is insufficient to permit Spirit
                                         Bank to engage in all aspects of its business and its currently proposed businesses without
                                         material restrictions, including the imposition of a burdensome condition (as defined
                                         in the section entitled &ldquo;The Merger Agreement&mdash;Covenants and Agreements&rdquo;),
                                         which condition we refer to as the regulatory capital condition; provided
                                         that items (2) through (5) of this regulatory capital condition will be waived by Simmons
                                         if the failure to satisfy such conditions is due primarily to the growth of Spirit Bank&rsquo;s
                                         assets, as determined by Simmons in its reasonable discretion after consultation with
                                         Spirit and Spirit&rsquo;s legal counsel and financial advisor and considering in good
                                         faith the results of such consultation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         having delivered evidence satisfactory to Simmons in its discretion that certain contracts
                                         have been terminated;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">no
                                         requisite regulatory approval contains, will have resulted in or would reasonably be
                                         expected to result in, the imposition of a burdensome condition as determined by Simmons
                                         in its sole discretion after consultation with Spirit and Spirit&rsquo;s legal counsel
                                         and financial advisor and considering in good faith the results of such consultation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         will deliver to Simmons a certificate, dated as of the closing date and signed on its
                                         behalf by its chief executive officer and its chief financial officer (and in such reasonable
                                         detail as Simmons and their counsel requests), to the effect that it has fulfilled its
                                         document archiving obligations in all material respects; and</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Spirit will deliver to Simmons
duly executed warrant cancellation agreements from all holders of Spirit warrants.</FONT></TD>
</TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We cannot
be certain of when, or if, the conditions to the merger will be satisfied or waived, or that the merger will be completed in the
second quarter of 2022 or at all. As of the date of this proxy statement/prospectus, we have no reason to believe that any of
these conditions will not be satisfied.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Termination of
the Merger Agreement (page 95)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement may be terminated and the merger abandoned at any time prior to the effective time (notwithstanding the approval of
the merger agreement by Spirit shareholders) by mutual written agreement, or by either party in the following circumstances:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         regulatory authority denies a requisite regulatory approval or requests that Simmons,
                                         Spirit or any of their respective affiliates withdraw (other than for technical reasons),
                                         and not be permitted to resubmit within 60 days, any application with request to a requisite
                                         regulatory approval;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Spirit shareholders fail to vote their approval of the merger proposal (taking into account
                                         any adjournment or postponement thereof as required by the merger agreement), which we
                                         refer to as a no-vote termination&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         law or order permanently restraining, enjoining or otherwise prohibiting the consummation
                                         of the transactions contemplated by the merger agreement becomes final and nonappealable,
                                         so long as the party seeking to terminate the merger agreement has used its reasonable
                                         best efforts to contest, appeal and change or remove such denial, law or order;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         merger has not been consummated by November 30, 2022, which we refer to as the outside
                                         date, if the failure to consummate the transactions contemplated by the merger agreement
                                         on or before such date is not caused by the terminating party&rsquo;s breach of the merger
                                         agreement, which we refer to as an outside date termination&#894; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if
                                         there was a breach of any of the covenants or agreements or any of the representations
                                         or warranties (or any such representation or warranty ceases to be true) set forth in
                                         the merger agreement on the part of Spirit, in the case of a termination by Simmons,
                                         or Simmons, in the case of a termination by Spirit, which breach or failure to be true,
                                         either individually or in the aggregate with all other breaches by such party (or failures
                                         of such representations or warranties to be true), would constitute, if occurring or
                                         continuing on the closing date, the failure of a Simmons or Spirit condition to closing,
                                         respectively, and is not cured within 45 days following written notice or by its nature
                                         or timing cannot be cured during such period (or such fewer days as remain prior to the
                                         outside date); provided, that the terminating party is not then in material breach of
                                         any representation, warranty, covenant or other agreement contained in the merger agreement,
                                         which we refer to as a breach termination.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
Simmons may terminate the merger agreement if:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Spirit board of directors fails to recommend that the Spirit shareholders approve the
                                         merger proposal, effects a change in recommendation, breaches its non-solicitation obligations
                                         with respect to acquisition proposals in any material respect adverse to Simmons or fails
                                         to call, give notice of, convene or hold the Spirit special meeting in accordance with
                                         the merger agreement, which, collectively, we refer to as a Spirit board breach termination;
                                         or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if
                                         any regulatory authority grants a requisite regulatory approval but such requisite regulatory
                                         approval contains, results or would reasonably be expected to result in, the imposition
                                         of a burdensome condition.</FONT></TD></TR></TABLE>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Termination Fee
(page 96)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
will pay Simmons a $22,750,000 termination fee if:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)
                                         either Spirit or Simmons effects an outside date termination or a no-vote termination,
                                         or (2) Simmons effects a breach termination and, in each case, within 12 months of such
                                         termination, Spirit consummates an acquisition transaction or enters into an acquisition
                                         agreement with respect to an acquisition transaction, whether or not such acquisition
                                         transaction is subsequently consummated (provided that, for purposes of the payment of
                                         the termination fee, the &ldquo;20%&rdquo; references in the acquisition transaction
                                         definition will be &ldquo;50%&rdquo;); or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons
                                         effects a Spirit board breach termination.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If Spirit
fails to pay any termination fee payable when due, then Spirit must pay to Simmons its costs and expenses (including attorneys&rsquo;
fees) in connection with collecting such fee, together with interest on the amount of such fee at the prime rate of Citibank,
N.A. from the date such payment was due under the merger agreement until the date of payment.</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Voting Agreements
(page 97)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In connection
with entering into the merger agreement, each member of the Spirit board of directors and Spirit&rsquo;s named executive officers,
in their capacities as individuals, have separately entered into a Spirit voting agreement, pursuant to which they agreed to vote
their beneficially owned shares of Spirit common stock in favor of the merger proposal and certain related matters and against
alternative transactions. As of the Spirit record date, shares constituting approximately 24.7% of the Spirit common
stock entitled to vote at the Spirit special meeting are subject to Spirit voting agreements. For further information, please
see the section entitled &ldquo;The Merger Agreement&mdash;Voting Agreements.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Material U.S.
Federal Income Tax Consequences Relating to the Merger (page 98)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The respective
obligations of Simmons and Spirit to complete the merger are contingent upon Simmons and Spirit receiving a legal opinion from
Covington &amp; Burling LLP, that the merger will qualify as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a)
of the Code. Neither Simmons nor Spirit currently intends to waive this condition to the consummation of the merger. If any party
waives this condition after this registration statement is declared effective by the SEC, and if the tax consequences of the merger
to Spirit shareholders have materially changed, Simmons and Spirit will recirculate appropriate soliciting materials to resolicit
the votes of Spirit shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
is intended to qualify as &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code. If the merger so qualifies,
a U.S. holder of Spirit common stock receiving Simmons common stock in exchange therefor will not recognize gain or loss upon
surrendering its Spirit common stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A U.S.
holder of Spirit common stock receiving cash in lieu of a fractional share of Simmons common stock generally will recognize gain
or loss equal to the difference between the amount of cash received instead of a fractional share and the basis in its shares
of Simmons common stock allocable to such fractional share. For further information, please see the section entitled &ldquo;Material
U.S. Federal Income Tax Consequences Relating to the Merger.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>The
U.S. federal income tax consequences described above may not apply to all holders of Spirit common stock. Your tax consequences
will depend on your individual situation. Accordingly, we strongly urge you to consult your independent tax advisor for a full
understanding of the particular tax consequences of the merger to you.</I></B></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Comparison of
Shareholders&rsquo; Rights (page 101)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Upon completion
of the merger, the rights of former Spirit shareholders will be governed by the Simmons charter and the Simmons bylaws. Simmons
is organized under Arkansas law, while Spirit is organized under Texas law. The rights associated with Spirit common stock are
different from the rights associated with Simmons common stock. Please see the section entitled &ldquo;Comparison of Shareholders&rsquo;
Rights&rdquo; for a discussion of the different rights associated with Simmons common stock.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Risk Factors (page
25)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Before
voting at the Spirit special meeting, you should carefully consider all of the information contained in or incorporated by reference
into this proxy statement/prospectus, including the risk factors set forth in the section entitled &ldquo;Risk Factors&rdquo;
and described in Spirit&rsquo;s and Simmons&rsquo; Annual Reports on Form 10-K for the fiscal year ended on December 31, 2020,
and other reports filed with the SEC, which are incorporated by reference into this proxy statement/prospectus. Please see the
section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_003"></A>MARKET
PRICE AND DIVIDENDS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons common
stock is listed on Nasdaq under the symbol &ldquo;SFNC&rdquo; and Spirit common stock is listed on Nasdaq under the symbol &ldquo;STXB.&rdquo;
There were approximately 2,307 registered Simmons shareholders as of January 14, 2022, and approximately 296
registered Spirit shareholders as of January 14, 2022. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">After
the merger, Simmons currently expects to pay (when, as and if declared by the Simmons board of directors) regular quarterly cash
dividends. While Simmons currently pays dividends on Simmons common stock of $0.18 per share, the
timing, declaration, amount and payment of any future cash dividends are at the discretion of the Simmons board of directors,
and there is no assurance that it will continue to pay dividends in the future. Future dividends on Simmons common stock
will depend upon its earnings and financial condition, liquidity and capital requirements, the general economic and regulatory
climate, its ability to service any equity or debt obligations senior to the common stock and other factors deemed relevant by
the Simmons board of directors. There are also regulatory requirements related to Simmons&rsquo; ability to pay dividends.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">During
the third quarter of 2021, Spirit declared and paid a quarterly cash dividend of $0.12 per share. Spirit currently expects that
it will continue to pay comparable quarterly cash dividends for the foreseeable future or until the completion of the merger.
The merger agreement prohibits Spirit from declaring regular quarterly cash dividends at a rate in excess of $0.12 per share without
the prior written consent of Simmons. The timing, declaration, amount and payment of any
future cash dividends are at the discretion of the Spirit board of directors and will depend on many factors, including Spirit&rsquo;s
results of operations, financial condition, capital requirements, investment opportunities, growth opportunities, any legal, regulatory,
contractual or other limitations on Spirit&rsquo;s ability to pay dividends and other factors the Spirit board of directors may
deem relevant. In addition, there are regulatory restrictions on Spirit&rsquo;s ability and the ability of Spirit Bank to pay
dividends.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_004"></A>CAUTIONARY
STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Certain
statements contained in or incorporated by reference into this proxy statement/prospectus may not be based on historical facts
and should be considered &ldquo;forward-looking statements&rdquo; within the meaning of the Private Securities Litigation Reform
Act of 1995. These forward-looking statements may be identified by reference to a future period(s) or by the use of forward-looking
terminology, such as &ldquo;anticipate,&rdquo; &ldquo;believe,&rdquo; &ldquo;budget,&rdquo; &ldquo;contemplate,&rdquo; &ldquo;continue,&rdquo;
&ldquo;estimate,&rdquo; &ldquo;expect,&rdquo; &ldquo;foresee,&rdquo; &ldquo;intend,&rdquo; &ldquo;indicate,&rdquo; &ldquo;target,&rdquo;
&ldquo;plan,&rdquo; positions,&rdquo; &ldquo;prospects,&rdquo; &ldquo;project,&rdquo; &ldquo;predict,&rdquo; or &ldquo;potential,&rdquo;
by future conditional verbs such as &ldquo;could,&rdquo; &ldquo;may,&rdquo; &ldquo;might,&rdquo; &ldquo;should,&rdquo; &ldquo;will,&rdquo;
or &ldquo;would,&rdquo; or by variations of such words or by similar expressions. These forward-looking statements include, without
limitation, statements relating to the impact Simmons and Spirit expect the merger to have on the combined entities&rsquo; operations,
financial condition and financial results, and Simmons&rsquo; and Spirit&rsquo;s expectations about their ability to obtain regulatory
approvals and the Spirit shareholder approval, their ability to successfully integrate the combined businesses and the amount
of cost savings and other benefits Simmons and Spirit expect to realize as a result of the merger. The forward-looking statements
may also include, without limitation, those relating to Simmons&rsquo; and Spirit&rsquo;s predictions or expectations of future
business or financial performance as well as goals and objectives for future operations, financial and business trends, business
prospects, and management&rsquo;s outlook or expectations for future growth, revenue, expenses, assets, capital levels, liquidity levels,
asset quality, profitability, earnings, accretion, customer service, investment in digital channels, or other future financial
or business performance, strategies or expectations, the impacts of the COVID-19 pandemic and the ability of Simmons and Spirit
to manage the impacts of the COVID-19 pandemic, capital resources, market risk, plans for investments in securities, effect of
future litigation, acquisition strategy, legal and regulatory limitations and compliance and competition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">These
forward-looking statements involve risks and uncertainties, and may not be realized due to a variety of factors, including, without
limitation:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">changes
                                         in Simmons&rsquo; and Spirit&rsquo;s operating, acquisition, or expansion strategy;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         effects of future economic conditions (including unemployment levels and slowdowns in
                                         economic growth), governmental monetary and fiscal policies, as well as legislative and
                                         regulatory changes, including in response to the COVID-19 pandemic;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">changes
                                         in interest rates;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">possible
                                         adverse rulings, judgements, settlements, and other outcomes of pending or future litigation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         ability to obtain regulatory approvals and meet other closing conditions to the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">delay
                                         in closing the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">difficulties
                                         and delays in integrating the Spirit business or fully realizing cost savings and other
                                         benefits of the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">changes
                                         in the price of Simmons&rsquo; common stock before closing;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         outcome of any legal proceedings that may be instituted against Simmons or Spirit as
                                         a result of the merger or otherwise;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         occurrence of any event, change or other circumstance that could give rise to the right
                                         of one or both parties to terminate the merger agreement;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">business
                                         disruption following the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         reaction to the merger of the companies&rsquo; customers, employees and counterparties;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">uncertainty
                                         as to the extent of the duration, scope, and impacts of the COVID-19 pandemic on Simmons,
                                         Spirit and the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">and
                                         other relevant risk factors, which may be detailed from time to time in Simmons&rsquo;
                                         and Spirit&rsquo;s press releases and filings with the SEC.</FONT></TD></TR></TABLE>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Many of
these factors are beyond Simmons&rsquo; and Spirit&rsquo;s ability to predict or control, and actual results could differ materially
from those in the forward-looking statements due to these factors and others. In addition, as a result of these and other factors,
Simmons&rsquo; and Spirit&rsquo;s past financial performance should not be relied upon as an indication of future performance
either on a standalone or combined basis.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit believe the assumptions and expectations that underlie or are reflected in any forward-looking statements, expressed
or implied, in this proxy statement/prospectus are reasonable, based on information available to Simmons and Spirit on the date
of this proxy statement/prospectus. However, given the described uncertainties and risks, Simmons and Spirit cannot guarantee
its future performance or results of operations or whether Simmons&rsquo; and Spirit&rsquo;s future performance will differ materially
from the performance reflected in or implied by its forward-looking statements, and you should not place undue reliance on these
forward-looking statements. All forward-looking statements, expressed or implied, included in this proxy statement/prospectus
are expressly qualified in their entirety by the cautionary statements contained or referred to herein. Any forward-looking statement
speaks only as of the date of this proxy statement/prospectus, and neither Simmons nor Spirit undertakes any obligation to update
or revise any forward-looking statements, whether as a result of new information, future events or otherwise.</FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_005"></A>RISK
FACTORS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>In
addition to general investment risks and the other information contained in or incorporated by reference into this proxy statement/prospectus,
including the matters addressed under the section entitled &ldquo;Cautionary Statement Regarding Forward-Looking Statements,&rdquo;
and the matters discussed under the captions &ldquo;Risk Factors&rdquo; and &ldquo;Management&rsquo;s Discussion and Analysis
of Financial Condition and Results of Operations&rdquo; sections of Simmons&rsquo; Annual Report on Form 10-K for the year ended
December 31, 2020, Spirit&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2020, and any updates to those risk
factors set forth in Simmons&rsquo; and Spirit&rsquo;s Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and other filings
which have been filed with the SEC, Spirit shareholders should carefully consider the following factors in deciding whether to
vote for the proposals presented in this proxy statement/prospectus. Please also see the section entitled &ldquo;Where You Can
Find More Information.&rdquo;</I></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_006"></A>Risks Relating
to the Merger</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Because the market
price of Simmons common stock and the amount of fully diluted shares of Spirit common stock outstanding will both fluctuate, the
value of the per share merger consideration to be received by Spirit shareholders is uncertain.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based
on the assumptions set forth herein, upon completion of the merger, each share of outstanding Spirit common stock (except for
shares of Spirit common stock held directly or indirectly by Spirit or Simmons and any dissenting shares) will be converted into
the right to receive the per share merger consideration, with cash paid in lieu of any resulting fractional shares. Any change
in the market price of Simmons common stock prior to the completion of the merger will affect the market value of the per share
merger consideration that Spirit shareholders will receive upon completion of the merger. The value of the per share merger consideration
could also change if the amount of fully diluted shares of Spirit common stock outstanding changes after the date hereof. At the
time of the Spirit special meeting you will not know or be able to calculate the value of the Simmons common stock that you will
receive upon completion of the merger. Stock price changes may result from a variety of factors, including general market and
economic conditions, changes in the respective businesses, operations and prospects of Simmons or Spirit, and regulatory considerations,
among other things. Many of these factors are beyond the control of Simmons and Spirit. You should obtain current market quotations
for shares of Simmons common stock and Spirit common stock before voting your shares at the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">There
will be no adjustment to the per share merger consideration based upon changes in the market price of Simmons common stock or
Spirit common stock prior to the time the merger is completed, and the merger agreement cannot be terminated due to a change in
the price of Simmons common stock.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Regulatory approvals
may not be received, may take longer than expected or may impose conditions that are not presently anticipated or cannot be met.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Before
the transactions contemplated by the merger agreement, including the merger and the bank merger, may be completed, various approvals
must be obtained from bank regulatory authorities. In determining whether to grant these approvals, the applicable regulatory
authorities consider a variety of factors, including the competitive impact of the proposal in the relevant geographic markets;
financial, managerial and other supervisory considerations, including the future prospects, of each party; potential effects of
the merger on the convenience and needs of the communities to be served and the record of the insured depository institution subsidiaries
under the Community Reinvestment Act of 1977 and the regulations promulgated thereunder, which we refer to as the Community Reinvestment
Act, including the subsidiaries&rsquo; overall compliance records and recent fair lending examinations; effectiveness of the parties
in combatting money laundering activities; the extent to which the proposal would result in greater or more concentrated risks
to the stability of the United States banking or financial system; and whether Simmons controls or would after consummation of
the merger control deposits in excess of certain limits. These regulatory authorities may impose conditions on the granting</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"> of
such approvals. Such conditions or changes and the process of obtaining regulatory approvals could have the effect of delaying
completion of the merger or of imposing additional costs or limitations on the combined company following the merger. The regulatory
approvals may not be received at all, may not be received in a timely fashion, or may contain conditions on the completion of
the merger that are not anticipated or cannot be met. Furthermore, such conditions or changes may constitute a burdensome condition
that may allow Simmons to terminate the merger agreement and Simmons may exercise its right to terminate the merger agreement.
If the consummation of the merger is delayed, including by a delay in receipt of necessary regulatory approvals, the business,
financial condition and results of operations of each party may also be adversely affected. See the section entitled &ldquo;The
Merger&mdash;Regulatory Approvals Required for the Merger.&rdquo;</FONT></P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Failure of the
merger to be completed, the termination of the merger agreement or a significant delay in the consummation of the merger could
negatively impact Simmons and Spirit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement is subject to a number of conditions which must be fulfilled in order to complete the merger. See the section entitled
&ldquo;The Merger Agreement&mdash;Conditions to Consummation of the Merger.&rdquo; These conditions to the consummation of the
merger may not be fulfilled and, accordingly, the merger may not be completed. In addition, if the merger is not completed by
November 30, 2022, either Simmons or Spirit may choose to terminate the merger agreement at any time after such date if the failure
to consummate the transactions contemplated by the merger agreement is not caused by any breach of the merger agreement by the
party electing to terminate the merger agreement, before or after Spirit shareholder approval of the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the
merger is not consummated, the ongoing business, financial condition and results of operations of each party may be adversely
affected and the market price of Simmons common stock and Spirit common stock may decline significantly, particularly to the extent
that the current market price reflects a market assumption that the merger will be consummated. If the consummation of the merger
is delayed, including by the receipt of a competing acquisition proposal, the business, financial condition and results of operations
of each party may be adversely affected.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
each party has incurred and will incur substantial expenses in connection with the negotiation and completion of the transactions
contemplated by the merger agreement, as well as the costs and expenses of filing, printing and mailing this proxy statement/prospectus
and all filing and other fees paid to the SEC and other regulatory agencies in connection with the merger. If the merger is not
completed, the parties would have to recognize these expenses without realizing the expected benefits of the merger. Any of the
foregoing, or other risks arising in connection with the failure of or delay in consummating the merger, including the diversion
of management attention from pursuing other opportunities and the constraints in the merger agreement on the ability to make significant
changes to each party&rsquo;s ongoing business during the pendency of the merger, could have an adverse effect on each party&rsquo;s
business, financial condition and results of operations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Additionally,
Simmons&rsquo; or Spirit&rsquo;s business may have been adversely impacted by the failure to pursue other beneficial opportunities
due to the focus of management on the merger, without realizing any of the anticipated benefits of completing the merger, and
the market price of Simmons&rsquo; or Spirit&rsquo;s common stock might decline to the extent that the current market price reflects
a market assumption that the merger will be completed. If the merger agreement is terminated and a party&rsquo;s board of directors
seeks another merger or business combination, such party&rsquo;s shareholders cannot be certain that such party will be able to
find a party willing to engage in a transaction on more attractive terms than the merger.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Some of the conditions
to the merger may be waived by Simmons or Spirit without resoliciting Spirit shareholder approval of the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Some of
the conditions to the merger set forth in the merger agreement may be waived by Spirit or Simmons, subject to the agreement of
the other party in specific cases. See the section entitled &ldquo;The Merger</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"> Agreement&mdash;Conditions to Consummation of the
Merger.&rdquo; If any such conditions are waived, Spirit and Simmons will evaluate whether an amendment of this proxy statement/prospectus
and resolicitation of proxies is warranted. In the event that the Spirit board of directors determines that resolicitation of
Spirit shareholders is not warranted, Simmons and Spirit will have the discretion to complete the merger without seeking further
Spirit shareholder approval.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Simmons and Spirit
will be subject to business uncertainties and contractual restrictions while the merger is pending.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Uncertainty
about the effect of the merger on employees, customers (including depositors and borrowers), suppliers and vendors may have an
adverse effect on the business, financial condition and results of operations of the parties to the merger. These uncertainties
may impair Simmons&rsquo; or Spirit&rsquo;s ability to attract, retain and motivate key personnel and customers (including depositors
and borrowers) pending the consummation of the merger, as such personnel and customers may experience uncertainty about their
future roles and relationships following the consummation of the merger. Additionally, these uncertainties could cause customers
(including depositors and borrowers), suppliers, vendors and others who deal with Simmons and/or Spirit to seek to change existing
business relationships with Simmons and/or Spirit or fail to extend an existing relationship with Simmons and/or Spirit. In addition,
competitors may target each party&rsquo;s existing customers by highlighting potential uncertainties and integration difficulties
that may result from the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The pursuit
of the merger and the preparation for the integration may place a burden on each company&rsquo;s management and internal resources.
Any significant diversion of management attention away from ongoing business concerns and any difficulties encountered in the
transition and integration process could have an adverse effect on each party&rsquo;s business, financial condition and results
of operations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
the merger agreement restricts each party from taking certain actions without the other party&rsquo;s consent while the merger
is pending. These restrictions could have an adverse effect on each party&rsquo;s business, financial condition and results of
operations. See the section entitled &ldquo;The Merger Agreement&mdash;Covenants and Agreements&mdash;Conduct of Business Prior
to the Effective Time&rdquo; for a description of the restrictive covenants applicable to Simmons and Spirit.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Spirit&rsquo;s
directors and executive officers have interests in the merger that may be different from the interests of the Spirit shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit&rsquo;s
directors and executive officers have interests in the merger that may be different from, or in addition to, the interests of
the Spirit shareholders generally. The Spirit board of directors was aware of these interests and considered them, among other
matters, in approving the merger agreement and the transactions contemplated by the merger agreement and recommending to Spirit
shareholders that they vote to approve the merger proposal. These interests are described in more detail under the section entitled
&ldquo;The Merger&mdash;Interests of Spirit&rsquo;s Directors and Executive Officers in the Merger.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The merger agreement
contains provisions that may discourage other companies from pursuing, announcing or submitting a business combination proposal
to Spirit that might result in greater value to Spirit shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement contains provisions that may discourage a third party from pursuing, announcing or submitting a business combination
proposal to Spirit that might result in greater value to the Spirit shareholders than the merger. These provisions include a general
prohibition on Spirit from soliciting or entering into discussions with any third party regarding any acquisition proposal or
offers for competing transactions, as described under the section entitled &ldquo;The Merger Agreement&mdash;Agreement Not to
Solicit Other Offers.&rdquo; Furthermore, if the merger agreement is terminated, under certain circumstances, Spirit may be required
to</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"> pay Simmons a termination fee equal to $22,750,000, as described under the section entitled &ldquo;The Merger Agreement&mdash;Termination
Fee.&rdquo; Spirit also has an unqualified obligation to submit its merger-related proposals to a vote by its shareholders, including
if Spirit receives an unsolicited proposal that the Spirit board of directors has determined in good faith is superior to the
merger. See the section entitled &ldquo;The Merger Agreement&mdash;Spirit Special Meeting and Recommendation of the Spirit Board
of Directors.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In connection
with entering into the merger agreement, each member of the Spirit board of directors and Spirit&rsquo;s named executive officers,
in their capacities as individuals, have separately entered into a Spirit voting agreement pursuant to which they agreed to vote
their beneficially owned shares of Spirit common stock in favor of the merger proposal and certain related matters and against
alternative transactions. As of the Spirit record date, shares constituting approximately 24.7% of the Spirit common
stock entitled to vote at the Spirit special meeting are subject to Spirit voting agreements. For further information, please
see the section entitled &ldquo;The Merger Agreement&mdash;Voting Agreements.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The shares of
Simmons common stock to be received by holders of Spirit common stock as a result of the merger will have different rights from
the shares of Spirit common stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The rights
of Spirit shareholders are currently governed by the second amended and restated certificate of formation of Spirit, which we
refer to as the Spirit charter, and the second amended and restated bylaws of Spirit, as amended, which we refer to as the Spirit
bylaws. Upon completion of the merger, the rights of former holders of Spirit common stock will be governed by the Simmons charter
and the Simmons bylaws. Simmons is organized under Arkansas law, while Spirit is organized under Texas law. The rights associated
with Spirit common stock are different from the rights associated with Simmons common stock. See the section entitled &ldquo;Comparison
of Shareholders&rsquo; Rights&rdquo; for a discussion of the different rights associated with Simmons common stock.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The merger is
expected to, but may not, qualify as a reorganization under Section 368(a) of the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The parties
expect the merger to be treated as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code, and the obligations
of Simmons and Spirit to complete the merger are conditioned upon the receipt of U.S. federal income tax opinion to that effect
from Covington &amp; Burling LLP, which we refer to as Covington. This tax opinion represents the legal judgment of counsel rendering
the opinion and is not binding on the United States Internal Revenue Service, which we refer to as the IRS, or the courts. The
expectation that the merger will be treated as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code
reflects assumptions and takes into account the relevant information available to Simmons and Spirit at the time. However, this
information is not a fact and should not be relied upon as necessarily indicative of future results. Furthermore, such expectation
constitutes a forward-looking statement. For information on forward-looking statements, see the section entitled &ldquo;Cautionary
Statement Regarding Forward-Looking Statements.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the
merger does not qualify as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code, then the exchange
of Spirit common stock for Simmons common stock pursuant to the merger may be treated as a taxable transaction to holders of Spirit
common stock. Consequently, a holder of Spirit common stock may be required to recognize gain or loss equal to the difference
between (1) the sum of the fair market value of Simmons common stock received by the Spirit shareholder in the merger and the
amount of cash, if any, received by the Spirit shareholder, and (2) the Spirit shareholder&rsquo;s adjusted tax basis in the shares
of Spirit common stock exchanged therefor. For further information, please refer to the section entitled &ldquo;Material U.S.
Federal Income Tax Consequences Relating to the Merger.&rdquo; You should consult your tax advisor to determine the particular
tax consequences to you.</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The opinion of
Stephens Inc. delivered to the Spirit board of directors prior to the signing of the merger agreement will not reflect changes
in circumstances after the date of the opinion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
board of directors received a fairness opinion from Stephens Inc., Spirit&rsquo;s financial advisor, dated November 18, 2021,
which is attached as <U>Annex C</U> to this proxy statement/prospectus. For a description of the opinion, see &ldquo;The Merger&mdash;Opinion
of Spirit&rsquo;s Financial Advisor.&rdquo; Such opinion has not been updated as of the date of this proxy statement/prospectus
and will not be updated at, or prior to, the time of the completion of the merger. Changes in the operations and prospects of
Simmons or Spirit, general market and economic conditions and other factors that may be beyond the control of Simmons and Spirit
may alter the value of Simmons or Spirit or the prices of shares of Simmons common stock or Spirit common stock by the time the
merger are completed. The opinion does not speak as of the time the merger is completed or as of any other date than the date
of the opinion. For a description of the other factors considered by the Spirit board of directors in determining to approve the
merger, see &ldquo;The Merger&mdash;Spirit&rsquo;s Reasons for the Merger and Recommendation of the Spirit Board of Directors.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Litigation against
Spirit or Simmons, or the members of the Spirit or Simmons board of directors, could result in significant costs, management distraction,
and/or a delay of or injunction against the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">While
Simmons and Spirit believe that any claims that may be asserted by purported shareholder plaintiffs related to the merger would
be without merit, the results of any such potential legal proceedings are difficult to predict and could delay or prevent the
merger from being competed in a timely manner. The existence of litigation related to the merger could affect the likelihood of
obtaining the required approval from Spirit shareholders. Moreover, any litigation could be time consuming and expensive, could
divert Simmons and Spirit management&rsquo;s attention away from their regular business and, any lawsuit adversely resolved against
Spirit, Simmons or members of the Spirit or Simmons board of directors, could have an adverse effect on each party&rsquo;s business,
financial condition and results of operations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the
actions remain unresolved, they could prevent or delay the completion of the merger. One of the conditions to the consummation
of the merger is the absence of any law or order (whether temporary, preliminary or permanent) by any court or regulatory authority
of competent jurisdiction prohibiting, restricting or making illegal consummation of the consummation of the transactions contemplated
by the merger agreement (including the merger). Consequently, if a settlement or other resolution is not reached in any lawsuit
that is filed or any regulatory proceeding and a claimant secures injunctive or other relief or a regulatory authority issues
an order or other directive prohibiting, restricting or making illegal consummation of the consummation of the transactions contemplated
by the merger agreement (including the merger), then such injunctive or other relief may prevent the merger from becoming effective
in a timely manner or at all.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The COVID-19 pandemic
may delay and adversely affect the completion of the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The COVID-19
pandemic has created economic and financial disruptions that have adversely affected, and are likely to continue to adversely
affect, the business, financial condition, liquidity, capital and results of operations of Simmons and Spirit. If the effects
of the COVID-19 pandemic cause continued or extended decline in the economic environment and the financial results of Simmons
or Spirit, or the business operations of Simmons or Spirit are disrupted as a result of the COVID-19 pandemic, efforts to complete
the merger and integrate the businesses of Simmons and Spirit may also be delayed and adversely affected. Additional time may
be required to obtain the requisite regulatory approvals, and regulatory authorities may impose additional requirements on Simmons
or Spirit that must be satisfied prior to completion of the merger, which could delay and adversely affect the completion of the
merger.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_007"></A>Risks Relating
to the Combined Company&rsquo;s Business Following the Merger</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The market price
of the common stock of the combined company after the merger may be affected by factors different from those currently affecting
the shares of Simmons or Spirit common stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Upon the
completion of the merger, Simmons shareholders and Spirit shareholders will become shareholders of the combined company. Simmons&rsquo;
business differs from that of Spirit, and, accordingly, the results of operations of the combined company and the market price
of the combined company&rsquo;s shares of common stock may be affected by factors different from those currently affecting the
independent results of operations of each of Simmons and Spirit. For a further discussion of the businesses of Simmons and Spirit,
please see the section entitled &ldquo;Information About the Companies.&rdquo; For a discussion of the businesses of Simmons and
Spirit and of certain factors to consider in connection with such businesses, please see the documents incorporated by reference
in this proxy statement/prospectus and referred to in the section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Sales of substantial
amounts of Simmons common stock in the open market by former Spirit shareholders could depress Simmons&rsquo; stock price.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Shares of Simmons
common stock that are issued to Spirit shareholders in the merger will be freely tradable without restrictions or further
registration under the Securities Act. Simmons currently expects to issue approximately 17,883,538 shares of Simmons common
stock in connection with the merger based on the assumptions described herein. If the merger is completed and if Spirit&rsquo;s
former shareholders sell substantial amounts of Simmons common stock in the public market following completion of the merger, the
market price of Simmons common stock may decrease. These sales might also make it more difficult for Simmons to sell equity or
equity-related securities at a time and price that it otherwise would deem appropriate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Combining the
two companies may be more difficult, costly or time consuming than expected and the anticipated benefits and cost savings of the
merger may not be realized.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The success
of the merger will depend on, among other things, the combined company&rsquo;s ability to combine the businesses of Simmons and
Spirit. If the combined company is not able to successfully achieve this objective, the anticipated benefits of the merger may
not be realized fully, or at all, or may take longer to realize than expected.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit have operated and, until the completion of the merger, will continue to operate, independently. The success of the
merger, including anticipated benefits and cost savings, will depend, in part, on the successful combination of the businesses
of Simmons and Spirit. To realize these anticipated benefits and cost savings, after the completion of the merger, Simmons expects
to integrate Spirit&rsquo;s business into its own. It is possible that the integration process could result in the loss of key
employees, the disruption of each company&rsquo;s ongoing businesses or inconsistencies in standards, controls, procedures and
policies that adversely affect the combined company&rsquo;s ability to maintain relationships with clients, customers, depositors
and employees or to achieve the anticipated benefits and cost savings of the merger. The loss of key employees could have an adverse
effect on the companies&rsquo; financial results and the value of their common stock. If Simmons experiences difficulties with
the integration process, the anticipated benefits of the merger may not be realized fully, or at all, or may take longer to realize
than expected. As with any merger of financial institutions, there also may be business disruptions that cause Simmons or Spirit
to lose current customers or cause current customers to remove their accounts from Simmons or Spirit and move their business to
competing financial institutions. Integration efforts between the two companies will also divert management attention and resources.
These integration matters could have an adverse effect on each of Simmons or Spirit during this transition period and for an undetermined
period after consummation of the merger.</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The combined company
expects to incur substantial expenses related to the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The combined
company expects to incur substantial expenses in connection with consummation of the merger and combining the business, operations,
networks, systems, technologies, policies and procedures of the two companies. Although Simmons and Spirit have assumed that a
certain level of transaction and combination expenses would be incurred, there are a number of factors beyond their control that
could affect the total amount or the timing of their combination expenses. Many of the expenses that will be incurred, by their
nature, are difficult to estimate accurately at the present time. Due to these factors, the transaction and combination expenses
associated with the merger could, particularly in the near term, exceed the savings that the combined company expects to achieve
from the elimination of duplicative expenses and the realization of economies of scale and cost savings related to the combination
of the businesses following the consummation of the merger. As a result of these expenses, both Simmons and Spirit expect to take
charges against their earnings before and after the completion of the merger. The charges taken in connection with the merger
are expected to be significant, although the aggregate amount and timing of such charges are uncertain at present.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Holders of Simmons
and Spirit common stock will have a reduced ownership and voting interest after the merger and will exercise less influence over
management.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Holders
of Simmons and Spirit common stock currently have the right to vote for the election of the directors and on other matters affecting
Simmons and Spirit, respectively. Upon the completion of the merger, each Spirit shareholder who receives shares of Simmons common
stock will become a shareholder of Simmons with a percentage ownership of Simmons common stock that is smaller than such shareholder&rsquo;s
percentage ownership of Spirit common stock. Following completion of the merger, it is currently expected that former holders
of Spirit common stock as a group will own approximately 13.7% of the combined company&rsquo;s common stock and existing
Simmons common shareholders as a group will own approximately 86.3% of the combined company&rsquo;s common stock. As a
result, Spirit shareholders will have less influence on the management and policies of the combined company than they now have
on the management and policies of Spirit, and existing Simmons shareholders may have less influence than they now have on the
management and policies of Simmons.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_008"></A>Risks Relating
to an Investment in Simmons Common Stock</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The market price
of Simmons common stock may decline as a result of the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The market
price of Simmons common stock may decline as a result of the merger if Simmons does not achieve the perceived benefits of the
merger or the effect of the merger on Simmons&rsquo; financial results is not consistent with the expectations of financial or
industry analysts. In addition, upon completion of the merger, Simmons and Spirit shareholders will own interests in a combined
company operating an expanded business with a different mix of assets, risks and liabilities. Existing Simmons shareholders and
Spirit shareholders may not wish to continue to invest in the combined company, or for other reasons may wish to dispose of some
or all of their shares of the combined company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Simmons&rsquo;
management will have broad discretion as to the use of assets acquired from this merger, and Simmons may not use these assets
effectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons&rsquo;
management will have broad discretion in the application of the assets from this merger and could utilize the assets in ways that
do not improve Simmons&rsquo; results of operations or enhance the value of its common stock. Spirit shareholders will not have
the opportunity, as part of their investment decision, to assess whether these acquired assets are being used appropriately. Simmons&rsquo;
failure to utilize these assets effectively could have an adverse effect on the combined company&rsquo;s business, financial condition
and results of operations and cause the price of Simmons common stock to decline.</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Simmons&rsquo;
rights and the rights of Simmons shareholders to take action against Simmons&rsquo; directors and officers are limited.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Simmons
charter eliminates Simmons&rsquo; directors&rsquo; liability to Simmons and its shareholders for money damages for breach of fiduciary
duties as a director to the fullest extent permitted by Arkansas law. Arkansas law provides that an officer has no liability in
that capacity if he or she performs his or her duties in good faith, in a manner he or she reasonably believes to be in Simmons&rsquo;
best interests and with the care that an ordinarily prudent person in a like position would use under similar circumstances.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Simmons
charter, Simmons bylaws and indemnification agreements with Simmons&rsquo; directors and executive officers also require Simmons
to indemnify Simmons&rsquo; directors and executive officers for liability resulting from actions taken by them in those capacities
to the maximum extent permitted by Arkansas law. As a result, Simmons shareholders and Simmons may have more limited rights against
Simmons&rsquo; directors and officers than might otherwise exist under common law. In addition, Simmons may be obligated to fund
the defense costs incurred by Simmons&rsquo; directors and officers.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">An investment
in Simmons common stock is not an insured deposit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">An investment
in Simmons common stock is not a bank deposit and is not insured or guaranteed by the FDIC, the Deposit Insurance Fund, or any
other government agency. Accordingly, you should be capable of affording the loss of any investment in Simmons common stock.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">There may be future
sales of additional common stock or preferred stock of Simmons or other dilution of our equity, which may adversely affect the
value of Simmons common stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
is not restricted from issuing additional common stock or preferred stock, including any securities that are convertible into
or exchangeable for, or that represent the right to receive, common stock or preferred stock of Simmons or any substantially similar
securities. The value of Simmons common stock could decline as a result of sales by Simmons of a large number of shares of common
stock or preferred stock of Simmons or similar securities in the market or the perception that such sales could occur.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center"><A NAME="i21655a_009"></A><FONT STYLE="font-size: 10pt">THE
SPIRIT SPECIAL MEETING</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>This
section contains information for Spirit shareholders about the Spirit special meeting. Spirit is mailing or otherwise delivering
this proxy statement/prospectus to you, as a Spirit shareholder, on or about [ ], 2022. This proxy statement/prospectus is also
being delivered to Spirit shareholders as Simmons&rsquo; prospectus for its offering of Simmons common stock in connection with
the merger. This proxy statement/prospectus is accompanied by a notice of the Spirit special meeting and a proxy that the Spirit
board of directors is soliciting for use at the Spirit special meeting and at any adjournments or postponements of the Spirit
special meeting. References to &ldquo;you&rdquo; and &ldquo;your&rdquo; in this section are to Spirit shareholders.</I></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><A NAME="i21655a_010"></A><FONT STYLE="font-size: 10pt">Date, Time and
Place of the Spirit Special Meeting</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
special meeting will be held on February 24, 2022 at 12:00 pm Central Time. On or about [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;],
2022 Spirit commenced mailing or otherwise delivering this proxy statement/prospectus and the enclosed form of proxy to its shareholders
entitled to vote at the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
special meeting will be held in a virtual meeting format only. You will not be able to physically attend the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">You are
invited to attend and vote your shares via live webcast. <U>In order to attend the Spirit special meeting, you must register at
www.proxydocs.com/STXB by 12:00 pm Central Time on February 23, 2022. </U> You will be asked to provide the
control number located inside the shaded gray box on your proxy as described in the proxy. After completion of your registration,
further instructions, including a unique link to access the Spirit special meeting, will be emailed to you.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655a_011"></A>Purpose of
the Spirit Special Meeting</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the
Spirit special meeting, you will be asked to consider and vote on the following matters:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         merger proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         advisory proposal on specified compensation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         adjournment proposal, if necessary or appropriate; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         other business that may properly come before the Spirit special meeting or any postponement
                                         or adjournment of the Spirit special meeting.</FONT></TD></TR></TABLE>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655a_012"></A>Recommendation
of the Spirit Board of Directors</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
board of directors unanimously approved the merger agreement, including the merger and all transactions contemplated thereby,
and recommends that Spirit shareholders vote &ldquo;<B>FOR</B>&rdquo; the merger proposal, &ldquo;<B>FOR</B>&rdquo; the advisory
proposal on specified compensation and, if necessary or appropriate, &ldquo;<B>FOR</B>&rdquo; the adjournment proposal. See the
section entitled &ldquo;The Merger&mdash;Spirit&rsquo;s Reasons for the Merger and Recommendation of the Spirit Board of Directors&rdquo;
for a more detailed discussion of the factors considered by the Spirit board of directors in reaching its decision to approve
the merger agreement, including the merger and all transactions contemplated thereby. Please see the section entitled &ldquo;The
Merger&mdash;Interests of Spirit&rsquo;s Directors and Executive Officers in the Merger&rdquo; for a more detailed discussion
of the compensation that will or may become payable to the Spirit named executive officers in connection with the merger.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Completion
of the merger is conditioned upon the approval of the merger proposal, but is not conditioned upon the approval of the advisory
proposal on specified compensation or, if necessary or appropriate, the adjournment proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655a_013"></A>Record Date
and Quorum</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
has set the close of business on January 14, 2022 as the Spirit record date to determine which Spirit shareholders will
be entitled to receive notice of and vote at the Spirit special meeting. Only Spirit shareholders at the close of business on
the Spirit record date will be entitled to vote at the Spirit special meeting. As of the Spirit record date, there were 17,288,547
shares of Spirit common stock outstanding and entitled to notice of, and to vote at, the Spirit special meeting, held by approximately
296 shareholders of record. Each holder of shares of Spirit common stock outstanding on the Spirit record date will
be entitled to one vote for each share held of record.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The presence
at the Spirit special meeting, in person or by proxy, of a majority of the shares of Spirit common stock outstanding and entitled
to vote as of the Spirit record date will constitute a quorum for the purposes of the Spirit special meeting. All shares of Spirit
common stock represented at the Spirit special meeting or represented by proxy, including abstentions, if any, will be treated
as present for purposes of determining the presence or absence of a quorum for all matters voted on at the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If a quorum
is not present at the Spirit special meeting, it will be postponed until the holders of the number of shares of Spirit common
stock required to constitute a quorum are in attendance. If additional votes must be solicited in order for Spirit shareholders
to approve the merger proposal and the adjournment proposal is approved, the Spirit special meeting will be adjourned to solicit
additional proxies subject to the terms of the merger agreement. The Spirit special meeting may be adjourned by the affirmative
vote of holders of a majority of the shares of Spirit common stock represented in person or by proxy at the Spirit special meeting,
even if less than a quorum.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655a_014"></A>Vote Required;
Treatment of Abstentions and Failure to Vote</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Approval
of the merger proposal requires the affirmative vote of holders of at least a majority of the outstanding shares of Spirit common
stock entitled to vote on the merger proposal. Approval of the advisory proposal on specified compensation requires the affirmative
vote of at least a majority of shares present or represented by proxy at the Spirit special meeting and entitled to vote on the
advisory proposal on specified compensation. Approval of the adjournment proposal requires the affirmative vote of at least a
majority of shares present or represented by proxy at the Spirit special meeting and entitled to vote on the adjournment proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">With respect
to the merger proposal, if you mark &ldquo;ABSTAIN&rdquo; on your proxy, fail to either submit a proxy or vote at the Spirit special
meeting, or are a &ldquo;street name&rdquo; holder and fail to instruct your bank, broker or other nominee how to vote, it will
have the same effect as a vote against the merger proposal. With respect to the advisory proposal on specified compensation and
the adjournment proposal, if you mark &ldquo;ABSTAIN&rdquo; on your proxy, it will have the same effect as a vote against such
proposals, and if you fail to either submit a proxy or vote at the Spirit special meeting, or are a &ldquo;street name&rdquo;
holder and fail to instruct your bank, broker or other nominee how to vote, it will have no effect on such proposals.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><A NAME="i21655a_015"></A><FONT STYLE="font-size: 10pt"><B>Shares Held
by Directors and Executive Officers</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As of the Spirit
record date, there were 17,288,547 shares of Spirit common stock entitled to vote at the Spirit special meeting. As of
the Spirit record date, the directors and executive officers of Spirit and their affiliates beneficially owned and were entitled
to vote approximately 4,378,883 shares of Spirit common stock, representing approximately 25.3% of the shares
of Spirit common stock outstanding on that date. Spirit currently expects that the shares of Spirit common stock beneficially
owned by its directors and executive officers will</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">be voted in favor </FONT>of the
merger proposal, the advisory proposal on specified compensation and, if necessary or appropriate, the adjournment proposal.
Each of the members of the Spirit board of directors and Spirit&rsquo;s named executive officers, in their capacities as
individuals have separately entered into a Spirit voting agreement pursuant to which they agreed to vote their beneficially
owned shares of Spirit common stock in favor of the merger proposal and certain related matters and against alternative
transactions. For further information, please see the section entitled &ldquo;The Merger Agreement&mdash;Voting
Agreements.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655a_016"></A>Voting of Proxies;
Incomplete Proxies</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each copy
of this proxy statement/prospectus mailed to Spirit shareholders is accompanied by a form of proxy with instructions for voting.
If you hold your shares of Spirit common stock in your name as a shareholder of record as of the Spirit record date, you should
follow the instructions on the proxy card and vote your shares by one of the following methods:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>




<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 0.5in; padding-bottom: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 0.25in; padding-bottom: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></td>
    <TD STYLE="padding-bottom: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">via the Internet
    at www.proxypush.com/STXB; </FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 10pt"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></td>
    <TD STYLE="padding-bottom: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">by telephone by calling
    1-866-437-1228; </FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 10pt"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></td>
    <TD STYLE="padding-bottom: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">by mail by completing,
    signing, dating and returning the enclosed proxy in the enclosed envelope, which requires no additional postage if mailed
    in the United States; or</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 10pt"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></td>
    <TD STYLE="padding-bottom: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">via live webcast
    at the Spirit special meeting.</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If your
shares of Spirit common stock are held in &ldquo;street name&rdquo; through a bank, broker or other nominee, you must direct your
bank, broker or nominee how to vote in accordance with the instructions you received from your bank, broker or nominee. You may
not vote shares held in &ldquo;street name&rdquo; by returning a proxy directly to Spirit or in person at the Spirit special meeting
unless you provide a &ldquo;legal proxy,&rdquo; which you must obtain from your bank, broker or other nominee.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For shareholders
whose shares are registered in the name of a bank, broker or other nominee, please consult the voting instructions provided by
your bank, broker or other nominee for information about the deadline for voting by telephone or via the Internet.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">When a
properly executed proxy is returned, the shares of Spirit common stock represented by it will be voted at the Spirit special meeting
in accordance with the instructions contained on the proxy. If any proxy is returned without indication as to how to vote, the
shares of Spirit common stock represented by the proxy will be voted in favor of each of the merger proposal, the advisory proposal
on specified compensation and, if necessary or appropriate, the adjournment proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>Your
vote is very important. To ensure your representation at the Spirit special meeting, please complete, sign, date and return the
enclosed proxy (or submit your proxy by telephone or through the internet). Whether or not you expect to attend the Spirit special
meeting, please vote promptly. Sending in your proxy now will not prevent you from voting your shares virtually at the Spirit
special meeting, since you may revoke your proxy at any time before it is voted.</B></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><A NAME="i21655a_017"></A><FONT STYLE="font-size: 10pt">Shares Held in
&ldquo;Street Name&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If your
shares of Spirit common stock are held in &ldquo;street name&rdquo; through a bank, broker or other nominee, you must provide
the record holder of your shares with instructions on how to vote your shares. Banks, brokers and other nominees who hold shares
of Spirit common stock in &ldquo;street name&rdquo; for a beneficial owner of those shares typically have the authority to vote
in their discretion on &ldquo;routine&rdquo; proposals when they have not received</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"> instructions from beneficial owners. However,
banks, brokers and other nominees are not allowed to exercise voting discretion with respect to the approval of matters determined
to be &ldquo;non-routine,&rdquo; without specific instructions from the beneficial owner. Spirit expects that all proposals to
be voted on at the Spirit special meeting will be &ldquo;non-routine&rdquo; matters. Broker non-votes are shares held by a bank,
broker or other nominee with respect to which such entity is not instructed by the beneficial owner of such shares to vote on
the particular proposal and the broker does not have discretionary voting power on such proposal. If your bank, broker or other
nominee holds your shares of Spirit common stock in &ldquo;street name,&rdquo; such entity will vote your shares of Spirit common
stock only if you provide instructions on how to vote by complying with the voter instruction form sent to you by your bank, broker
or other nominee with this proxy statement/prospectus.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_018"></A>Revocability of
Proxies and Changes to a Spirit Shareholder&rsquo;s Vote</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If you hold stock
in your name as a shareholder of record, you may change your vote or revoke any proxy at any time before the polls are closed
at the Spirit special meeting by (1) completing, signing, dating and returning a proxy with a later date than your original
proxy, (2) delivering a written revocation letter to Spirit&rsquo;s corporate secretary, (3) submitting a vote by telephone or
by logging onto the Internet website specified on your proxy in the same manner you would to submit your proxy electronically
and following the instructions indicated on the proxy (in either case before the voting deadline), or (4) attending the Spirit
special meeting virtually, notifying Spirit&rsquo;s corporate secretary that you are revoking your proxy and voting via live webcast
at the Spirit special meeting. If you choose to send a completed proxy bearing a later date than your original proxy, the new
proxy must be received before the polls are closed at the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any Spirit
shareholder entitled to vote at the Spirit special meeting may vote regardless of whether or not a proxy has been previously given,
but simply attending the Spirit special meeting (without notifying Spirit&rsquo;s corporate secretary) will not constitute revocation
of a previously given proxy.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Written
notices of revocation and other communications about revoking your proxy should be addressed to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit
of Texas Bancshares, Inc.</B><BR>
1836 Spirit of Texas Way,<BR>
Conroe, Texas 77301<BR>
Attention: Corporate Secretary</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If your
shares of Spirit common stock are held in &ldquo;street name&rdquo; through a bank, broker or other nominee, you should follow
the instructions of your bank, broker or other nominee regarding the revocation of voting instructions.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_019"></A>Solicitation of
Proxies</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit is soliciting
proxies from its shareholders in conjunction with the merger. Spirit will bear the entire cost of soliciting proxies from its shareholders.
In addition to solicitation of proxies by mail, Spirit will request that banks, brokers and other record holders send proxies and proxy
material to the beneficial owners of Spirit common stock and secure their voting instructions. Spirit will reimburse the record holders
for their reasonable expenses in taking those actions. If necessary, Spirit may use its directors, officers or employees, who will not
be specially compensated, to solicit proxies from Spirit shareholders, either personally or by telephone, facsimile, letter or electronic
means. Spirit has also made arrangements with Morrow Sodali LLC to assist it in soliciting proxies for the Spirit special meeting
and has agreed to pay approximately $15,000 plus out-of-pocket expenses and certain additional charges related to these services.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_020"></A>Attending the
Spirit Special Meeting</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If you
are a Spirit shareholder as of the Spirit record date, you may vote your shares via live webcast at the Spirit special meeting.
Even if you currently plan to attend the Spirit special meeting, it is recommended that you also submit your proxy as described
above, so your vote will be counted if you later decide not to attend the Spirit special meeting. If you submit your vote by proxy
and later decide to vote at the Spirit special meeting, the vote you submit at the Spirit special meeting will override your proxy
vote.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We are
holding the Spirit special meeting in a virtual meeting format only. You will be provided the opportunity to participate in the
Spirit special meeting via live webcast. Shareholders will not be able to attend the Spirit special meeting in person. The process
for virtually attending the Spirit special meeting depends on how your shares are held.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Shareholder
of Record</I>. If you are a &ldquo;shareholder of record&rdquo; on the record date for the Spirit special meeting, you will need
your control number located inside the shaded gray box on your proxy in order to ask questions and vote at the Spirit special
meeting via live webcast.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Street
Name Holders</I>. If your shares of common stock are held in &ldquo;street name,&rdquo; to register to attend the Spirit special
meeting, you must submit a &ldquo;legal proxy&rdquo; from your broker, bank or other nominee. Please consult the voting form sent
to you by your bank, broker or other nominee to determine how to obtain a legal proxy in order to vote at the Spirit special
meeting. If you fail to submit a nominee-issued proxy to the Spirit special meeting, you will not be able to vote your
nominee-held shares via live webcast at the Spirit special meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655a_021"></A>Delivery of Proxy
Materials</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As permitted
by applicable law, only one copy of this proxy statement/prospectus is being delivered to Spirit shareholders residing at the
same address, unless such Spirit shareholders have notified Spirit of their desire to receive multiple copies of this proxy statement/prospectus.
Spirit will promptly deliver, upon oral or written request, a separate copy of this proxy statement/prospectus to any shareholder
residing at an address to which only one copy of such document was mailed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If you
would like additional copies of this proxy statement/prospectus, please contact Jerry D. Golemon at (281) 516-4904 or Shareholder
Services at Computershare at (800) 962-4284.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_022"></A>Assistance</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If you
need assistance in completing your proxy or have questions regarding the Spirit special meeting, please contact Jerry D. Golemon
at (281) 516-4904 or Shareholder Services at Computershare at (800) 962-4284.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: none"><A NAME="i21655a_023"></A>THE
SPIRIT PROPOSALS</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_024"></A>Proposal 1: Merger
Proposal</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
is asking its shareholders to approve the merger agreement and the transactions contemplated thereby. For a detailed discussion
of the terms and conditions of the merger agreement, please see the section entitled &ldquo;The Merger Agreement.&rdquo; Spirit
shareholders should read this proxy statement/prospectus, including any documents incorporated in this proxy statement/prospectus
by reference, and its annexes, carefully and in their entirety for more detailed information concerning the merger agreement and
the merger. A copy of the merger agreement is attached to this proxy statement/prospectus as <U>Annex A</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As discussed
in the section entitled &ldquo;The Merger&mdash;Spirit&rsquo;s Reasons for the Merger and Recommendation of the Spirit Board of
Directors,&rdquo; after careful consideration, its board of directors unanimously approved the merger agreement and determined
that the merger agreement and the transactions contemplated thereby are advisable and in the best interests of Spirit and the
Spirit shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Required
Vote </I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Approval
of the merger proposal requires the affirmative vote of holders of at least a majority of the outstanding shares of Spirit common
stock entitled to vote on the merger proposal. If you mark &ldquo;ABSTAIN&rdquo; for the merger proposal on your proxy, fail to
either submit a proxy or vote at the Spirit special meeting, or are a &ldquo;street name&rdquo; holder and fail to instruct your
bank, broker or other nominee how to vote, it will have the same effect as a vote against the merger proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>The
Spirit board of directors unanimously recommends that Spirit shareholders vote &ldquo;FOR&rdquo; the merger proposal. </B></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_025"></A>Proposal 2: Advisory
Proposal on Specified Compensation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
is asking its shareholders to approve a non-binding advisory resolution approving the compensation
that will or may become payable to its named executive officers in connection with the merger. For a detailed discussion
on the compensation that will or may become payable to its named executive officers in connection with the merger, please see
the section entitled &ldquo;The Merger&mdash;Merger-Related Compensation for Spirit&rsquo;s Named Executive Officers.&rdquo; As
required by Section 14A of the Exchange Act, Spirit is asking its shareholders to vote on the adoption of the following resolution:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in"><FONT STYLE="font-size: 10pt; ">&ldquo;RESOLVED,
that the compensation that may be paid or become payable to the Spirit named executive officers in connection with the merger,
as disclosed in the table under the caption &ldquo;<I>The Merger&mdash;Merger-Related Compensation for Spirit&rsquo;s Named Executive
Officers</I>&rdquo; in the proxy statement/prospectus in accordance with Item 402(t) of Regulation S-K, including
the associated narrative discussion, and the agreements or understandings pursuant to which such compensation may be paid or become
payable, is hereby APPROVED.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The vote
on the non-binding advisory resolution approving the compensation that will or may become
payable to Spirit&rsquo;s named executive officers in connection with the merger is a vote separate and apart from the
vote to approve the merger agreement. Accordingly, a Spirit shareholder may vote to approve the executive compensation and vote
not to approve the merger agreement and vice versa. Because the vote is advisory only, it will not be binding on either Spirit
or Simmons. Accordingly, because Simmons is contractually obligated to pay the compensation, the compensation will be payable,
subject only to the conditions applicable thereto, if the merger agreement is approved and regardless of the outcome of the advisory
vote.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Required
Vote</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Approval
of the advisory proposal on specified compensation requires the affirmative vote of at least a majority of shares of Spirit common
stock present or represented by proxy at the Spirit special meeting and entitled to vote on the adjournment proposal. If you mark
&ldquo;ABSTAIN&rdquo; for the advisory proposal on specified compensation on your proxy, it will have the same effect as a vote
against such proposal, and if you fail to either submit a proxy or vote at the Spirit special meeting, or are a &ldquo;street
name&rdquo; holder and fail to instruct your bank, broker or other nominee how to vote, it will have no effect on such proposal.</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>The
Spirit board of directors unanimously recommends that Spirit shareholders vote &ldquo;FOR&rdquo; the advisory proposal on specified
compensation.</B></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_026"></A>Proposal 3: Adjournment
Proposal</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
is asking its shareholders to approve the adjournment of the Spirit special meeting to another date and place if necessary or
appropriate to solicit additional votes in favor of the merger proposal if there are insufficient votes at the time of such adjournment
to approve the merger proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If, at
the Spirit special meeting, there is an insufficient number of shares of Spirit common stock present or represented by proxy and
voting in favor of the merger proposal, Spirit will, subject to the terms of the merger agreement, move to adjourn the Spirit
special meeting in order to enable the Spirit board of directors to solicit additional proxies for approval of the merger proposal.
If the Spirit shareholders approve the adjournment proposal, Spirit may adjourn the Spirit special meeting and use the additional
time to solicit additional proxies, including the solicitation of proxies from Spirit shareholders who have previously voted.
Notice need not be given of the adjourned meeting if the time and place of the adjourned meeting are announced at the Spirit special
meeting. If the adjournment is for more than 30 days, or if after the adjournment a new record date is fixed for the adjourned
meeting, a notice of the date and place of the adjourned meeting must be given to each shareholder of record entitled to vote
at the Spirit special meeting. Even if a quorum is not present, the Spirit special meeting may be adjourned by the affirmative
vote of the holders of a majority of the shares of Spirit common stock represented in person or by proxy at the Spirit special
meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Required
Vote </I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Approval
of the adjournment proposal requires the affirmative vote of at least a majority of shares of Spirit common stock present or represented
by proxy at the Spirit special meeting and entitled to vote on the adjournment proposal. If you mark &ldquo;ABSTAIN&rdquo; for
the adjournment proposal on your proxy, it will have the same effect as a vote against such proposal, and if you fail to
either submit a proxy or vote at the Spirit special meeting, or are a &ldquo;street name&rdquo; holder and fail to instruct your
bank, broker or other nominee how to vote, it will have no effect on such proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>The
Spirit board of directors unanimously recommends that Spirit shareholders vote &ldquo;FOR&rdquo; the adjournment proposal, if
necessary or appropriate.</B></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_027"></A>Other Matters
to Come Before the Spirit Special Meeting</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As of
the date of this proxy statement/prospectus, the Spirit board of directors is not aware of any matters that will be presented
for consideration at the Spirit special meeting other than as described in this proxy statement/prospectus. If, however, the Spirit
board of directors properly brings any other matters before the Spirit special meeting, the persons named in the proxy will vote
the shares represented thereby in accordance with the recommendation of the Spirit board of directors on any such matter.</FONT></P>




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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><A NAME="i21655a_028"></A><FONT STYLE="font-size: 10pt">INFORMATION
ABOUT THE COMPANIES</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_029"></A>Simmons First National
Corporation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">501 Main Street</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Pine Bluff, Arkansas 71601</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Telephone: (870) 541-1000</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
is a financial holding company registered under the BHC Act. Simmons is headquartered in Arkansas and as of September 30, 2021,
had, on a consolidated basis, total assets of $23.2 billion, total net loans of $10.6 billion, total deposits of $18.1 billion
and total shareholders&rsquo; equity of $3.0 billion. Simmons conducts its banking operations through its subsidiary bank, Simmons
Bank, in more than 200 financial centers as of September 30, 2021, located throughout market areas in Arkansas, Kansas, Missouri,
Oklahoma, Tennessee and Texas.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
seeks to build shareholder value by focusing on strong asset quality, maintaining strong capital, managing its liquidity position,
improving its operational efficiency and opportunistically growing its business, both organically and through acquisitions of
financial institutions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons&rsquo;
business philosophy centers on building strong, deep customer relationships through excellent customer service and integrity in
its operations. While Simmons has grown in recent years into a regional financial institution and one of the largest bank/financial
holding companies headquartered in the State of Arkansas, Simmons continues to emphasize, where practicable, a community-based
mindset focused on local associates responding to local banking needs and making business decisions in the markets they serve.
Those efforts, though, are buttressed by experienced, centralized support functions in select, critical areas. While Simmons serves
a variety of customers and industries, Simmons is not dependent on any single customer or industry.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
common stock is traded on Nasdaq under the symbol &ldquo;SFNC.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Additional
information about Simmons may be found in the documents incorporated by reference into this proxy statement/prospectus. See the
section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0"><A NAME="i21655a_030"></A><FONT STYLE="font-size: 10pt">Spirit of Texas Bancshares,
Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">1836 Spirit of Texas Way</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Conroe, Texas 77301</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Telephone: (936) 521-1836</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; "><FONT STYLE="font-size: 10pt">Spirit
is a Texas corporation and a registered bank holding company located in the Houston metropolitan area with headquarters in Conroe,
Texas. Spirit offers a broad range of commercial and retail banking services through its wholly-owned bank subsidiary, Spirit
Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in; "><FONT STYLE="font-size: 10pt">Spirit
is a business-focused bank that delivers relationship-driven financial services to small and medium-sized businesses and individuals
in its market areas. Spirit&rsquo;s philosophy is to target commercial customers whose businesses generate between $3 to $30 million
of annual revenue. Spirit&rsquo;s product offerings consist of a wide range of commercial products, including term loans and operating
lines of credit to commercial and industrial companies; commercial real estate loans; construction and development loans; SBA
loans; commercial deposit accounts; and treasury management services. In addition, Spirit&rsquo;s retail offerings include consumer
loans, 1-4 single family residential real estate loans and retail deposit products<I>.</I></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-indent: .5in; "><FONT STYLE="font-size: 10pt">Spirit
operates in one reportable segment of business, community banking, which includes Spirit Bank. As of September 30, 2021, Spirit
had total assets of $3.15 billion, loans held for investment of $2.25 billion, total deposits of $2.67 billion and total
stockholders&rsquo; equity of $387.8 million.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-indent: .5in; "><FONT STYLE="font-size: 10pt">Since
Spirit&rsquo;s inception in 2008, it has implemented a growth strategy that includes organic loan and deposit generation through
the establishment of <I>de novo</I> branches, as well as strategic acquisitions that have either strengthened its presence
in existing markets or expanded its operations into new markets with attractive business prospects. Spirit has completed eleven
acquisitions in twelve years, four of which followed its initial public offering in May 2018.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
has 37 locations primarily in the Houston, Dallas/Fort Worth, Bryan/College Station,
San Antonio-New Braunfels, Corpus Christi, Tyler and Austin metropolitan areas, along with North Central Texas.
Spirit believes its exposure to these dynamic and complementary markets provides it with economic diversification and the opportunity
for expansion across Texas.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-indent: .5in; "><FONT STYLE="font-size: 10pt">Spirit&rsquo;s
top four markets include the Houston-The Woodlands-Sugar Land MSA, Dallas-Fort Worth-Arlington MSA, College Station-Bryan MSA
and San Antonio-New Braunfels MSA. As of June 30, 2021, Spirit&rsquo;s deposit market share in each of these respective markets
was 0.23%, 0.07%, 3.90% and 0.30%. Overall, in the State of Texas, Spirit ranks 38th in total deposits as of June 30, 2021 according
to S&amp;P Capital IQ Pro.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit&rsquo;s
common stock is traded on Nasdaq under the symbol &ldquo;STXB.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Additional
information about Spirit may be found in the documents incorporated by reference into this proxy statement/prospectus. See the
section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B></B></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_031"></A>THE
MERGER</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>The
following discussion contains material information regarding the merger. The discussion is subject to, and qualified in its entirety
by reference to, the merger agreement, which is attached to this proxy statement/prospectus as <U>Annex A</U> and is incorporated
by reference herein. The following is not intended to provide factual information about the parties or any of their respective
subsidiaries or affiliates. This discussion does not purport to be complete and may not contain all of the information about the
merger that is important to you. We urge you to read carefully this entire proxy statement/prospectus, including the merger agreement,
for a more complete understanding of the merger.</I></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_032"></A>Terms of the Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each of
the Simmons board of directors and the Spirit board of directors approved the merger agreement. The merger agreement provides
that, among other things, (i) Spirit will merge with and into Simmons, with Simmons continuing as the surviving corporation in
the merger, and (ii) immediately following the merger, Spirit Bank will merge with and into Simmons Bank, with Simmons Bank continuing
as the surviving bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based
on the assumptions set forth below, under the terms of the merger agreement, at the effective time, each share of Spirit common
stock that is issued and outstanding immediately prior to the effective time, excluding certain specified shares, will be converted
into the right to receive the per share merger consideration, subject to certain conditions and potential adjustments (including
substituting cash for Simmons common stock to the extent necessary to cash out Spirit&rsquo;s stock options and warrants that
are outstanding immediately prior to the effective time). The per share merger consideration is based on the assumption that (i)
17,261,959 shares of Spirit common stock are issued and outstanding (excluding treasury shares), (ii) 435,676 shares
of Spirit common stock are reserved for issuance upon the vesting of Spirit RSUs, (iii) 780,230 shares of Spirit common
stock are subject to outstanding Spirit stock options with a weighted average exercise price of $14.65, and (iv) 15,312
shares of Spirit common stock are subject to outstanding Spirit warrants with a weighted average exercise price of $12.84,
in each case, immediately prior to the effective time. In addition, the exchange ratio assumes that the Simmons average closing
price is equal to $32.08, which was the closing sales price of Simmons common stock on January 7, 2022. Changes
in any of these assumptions will result in changes in the per share merger consideration. In the aggregate and based on the assumptions
set forth herein, Simmons will issue approximately 17,883,538 shares of Simmons common stock to the Spirit shareholders
upon completion of the merger, subject to certain conditions and potential adjustments under the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
will not issue any fractional shares of Simmons common stock in the merger. Instead, a Spirit shareholder who would otherwise
be entitled to receive a fraction of a share of Simmons common stock will receive, in lieu thereof, an amount in cash, rounded
up to the nearest whole cent (without interest), determined by multiplying (i) the fraction of a share (rounded to the nearest
thousandth when expressed as a decimal form) of Simmons common stock that such holder would otherwise be entitled to receive by
(ii) the Simmons average closing price.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
shareholders are being asked to approve the merger agreement, including the merger and all transactions contemplated therein.
See the section entitled &ldquo;The Merger Agreement&rdquo; for additional and more detailed information regarding the legal documents
that govern the merger, including information about the conditions to consummation of the merger and the provisions for terminating
or amending the merger agreement.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_033"></A>Background of
the Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
board of directors, with the assistance of Spirit&rsquo;s executive management, regularly evaluates Spirit&rsquo;s strategies,
opportunities and objectives and considers ways to enhance Spirit&rsquo;s short-, medium- and long- term performance and prospects,
all with the goal of increasing value for Spirit shareholders. The Spirit board</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"> of directors&rsquo; strategic reviews and discussions
have focused on, among other things, the business and regulatory environment facing financial institutions generally and Spirit
in particular, as well as conditions and trends in the banking industry, including assessments of ongoing consolidation in the
financial services industry and the benefits and risks to Spirit and Spirit shareholders of potential strategic combinations compared
to the benefits and risks of continued operation as a stand-alone company. Factors assessed in connection with these reviews have
included the risks and opportunities associated with operating in existing and new markets, competition in existing and new markets,
potential synergies achievable from business combination transactions, increased regulatory burdens, the interest rate environment,
credit risk, market risk, including in connection with the COVID-19 pandemic, and the challenges of evolving technology and cyber-security
needs of Spirit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
from time to time, the Spirit board of directors has considered various potential strategic alternatives, including acquisitions
or business combinations with other financial institutions, such as potential acquisitions of smaller bank holding companies operating
primarily in the markets in which Spirit operates or business combinations with larger banking institutions. In furtherance of
these considerations, in March 2018, the Spirit board of directors formed an executive committee of the Spirit board of directors,
which we refer to as the Spirit executive committee, to, among other things, oversee and monitor the merger and acquisition activities
of Spirit. The members of the Spirit executive committee include Spirit&rsquo;s Chairman and Chief Executive Officer, Dean O.
Bass, Spirit&rsquo;s President and Chief Lending Officer, David M. McGuire, and Directors of the Company and the Bank, Leo T.
Metcalf, III, Steven M. Morris, and Thomas C. Sooy.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">During
2020, Spirit was contacted on an unsolicited basis by several financial institutions that expressed their potential interest in
exploring a potential business combination transaction. Messrs. Dean O. Bass and David McGuire held preliminary discussions with
certain of these financial institutions and informed the Spirit board of directors of such conversations. The Spirit board of
directors determined not to pursue discussions with these financial institutions because the institutions either ascribed low
valuations to Spirit or were viewed as being unable to finance a business combination that would be attractive to the Spirit shareholders.
However, in light of what was perceived by the Spirit board of directors as Spirit&rsquo;s strong loan growth profile and Spirit&rsquo;s
stable core deposits, the Spirit board of directors began to consider in late 2020 whether Spirit had an opportunity to engage
in a strategic business combination in order to enhance shareholder value. The Spirit board of directors also considered the potential
risks associated with exploring a potential business combination, including untimely disclosure of confidential information and
the consequences of an abandoned transaction to the Spirit shareholders, employees and customers. In connection with the evaluation
of these strategic alternatives, Mr. Bass, with the support of the Spirit board of directors had, from time to time, commencing
in late 2020, informal discussions with other financial institutions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Heading
into 2021, the Spirit executive committee continued its regular monthly meetings at which its members discussed, among other things,
merger and acquisition activities, including, but not limited to, whole-bank acquisitions, branch purchases or divestitures and
other potential strategic alternatives, and the financial impact to Spirit of such activities. Spirit board members, Steven Gregory
Kidd, William K. Nix and Robert S. Beall, were invited guests at these Spirit executive committee meetings. In addition, beginning
in March 2021, Messrs. Bass and McGuire engaged in discussions with the representatives of Stephens, a nationally-recognized investment
banking firm, about the attributes of potential merger partners, including, but not limited to, the apparent financial ability
to pay, compatibility of business models, cultural synergies, overall impact to Spirit&rsquo;s franchise, financial performance
in their respective markets, recent transactions, stock market performance, and apparent ability to complete a possible business
combination with Spirit. Following discussion with Mr. Bass, on March 8, 2021, Stephens compiled a list of eight potential merger
partners believed by Spirit, with Stephens&rsquo; input, to be interested in pursuing a potential strategic business combination
with Spirit on terms that would be attractive to Spirit and the Spirit shareholders.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">During the second
and third quarter of 2021, Stephens, as part of its customary, periodic outreach to the eight identified financial institutions, included
in its meeting agenda with such financial institutions the possibility of a potential strategic combination with Spirit. Stephens kept
Messrs. Bass and McGuire apprised of such conversations, and Messrs. Bass and McGuire, in turn, kept the Spirit executive committee informed
about the conversations. Messrs. Bass and McGuire updated the Spirit executive committee at their regularly scheduled meetings held on
May 27, 2021, July 15, 2021 and August 19, 2021 regarding these discussions. The Spirit executive committee meeting on May 27, 2021
was held virtually via video and teleconference. The Spirit executive committee meetings on each of July 15, 2021 and August 19, 2021
were held in-person at Spirit&rsquo;s offices in Conroe, Texas.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At a meeting held in-person
at Spirit&rsquo;s offices in Conroe, Texas and by videoconference on June 17, 2021 and after discussion with Messrs. Bass and
McGuire and with input from the members of the Spirit executive committee regarding the discussions above, the Spirit board of directors
decided that it was in the best interests of Spirit and its shareholders for the Spirit executive committee to continue to review and
evaluate possible strategic business combination transactions and other strategic alternatives. Accordingly, on June 17, 2021 the Spirit
board of directors ratified the authority of the Spirit executive committee to monitor and oversee Spirit&rsquo;s activities and the
activities of Spirit&rsquo;s executive management, as delegated by the Spirit executive committee, related to any potential strategic
transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Three
of the eight financial institutions contacted by representatives of Stephens during the second and third quarter of 2021 expressed
interest in a strategic business combination with Spirit and executed a customary non-disclosure agreement with Spirit, one of
which was Simmons, as discussed below. The non-disclosure agreements did not contain standstill provisions. Discussions with the
two parties other than Simmons did not advance beyond preliminary stages due to the view of the Spirit executive committee, based
on the preliminary discussions Stephens had with such parties, that the parties were unable to present a compelling offer or to
enhance Spirit&rsquo;s shareholder value.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On June
1, 2021, a representative of Stephens as part of its ongoing dialogue with Simmons discussed Simmons&rsquo; potential interest
in pursuing a strategic business combination with Spirit at such time. George Makris, Jr., the Chairman and Chief Executive Officer
of Simmons, and Mr. Bass as well as certain other members of the parties&rsquo; executive management, have known one another for
over eight years and have periodically discussed with each other trends in the financial services industry, including recent consolidations
among financial institutions, and their respective institutions generally. In early 2020, as a result of such ongoing engagement
between Messrs. Makris and Bass, Spirit entered into a transaction with Simmons, involving Spirit&rsquo;s purchase of Simmons&rsquo;
Austin and San Antonio branches.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On July
12, 2021, Mr. Bass contacted Simmons to continue the discussion started by the Stephens representative. That same day, Simmons
executed the customary non-disclosure agreement with Spirit noted above. Following the execution of the non-disclosure agreement,
certain executives of Simmons provided Spirit with an overview of Simmons&rsquo; business and operations, as well as its strategic
plan and recent acquisitions. Over the next several weeks, Messrs. Bass and McGuire from Spirit and certain executives from Simmons,
along with representatives from Stephens, continued to engage in preliminary discussions and exchange information related to their
respective enterprises.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Representatives
of Stephens attended via teleconference the August 19, 2021 meeting of the Spirit executive committee to discuss, among other
things, the current market and peer comparisons.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At a meeting of the
Spirit executive committee on September 16, 2021 held in-person at Spirit&rsquo;s offices in Conroe, Texas and via videoconference,
the Spirit executive committee discussed the preliminary conversations and information shared between members of the Spirit and Simmons
management teams. Representatives from Stephens attended the meeting and presented the Spirit executive committee with a pro forma model of </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">a potential
transaction with Simmons using various stock prices for both parties and highlighting the financial metrics and capital levels of
the resulting institution. Representatives of Stephens responded to questions from the Spirit executive committee. After discussion
and review of the materials provided by Stephens and the information shared by Spirit executive management, the Spirit executive committee
determined to move forward in pursuing a potential transaction with Simmons.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On September
21, 2021, a meeting between Messrs. Bass and McGuire from Spirit and Mr. Makris, Jr., Robert Fehlman (President and Chief Operating
Officer), Steve Massanelli (Senior Executive Vice President and Chief Administrative Officer), Jay Brogdon (Executive Vice President
and Chief Financial Officer), George Makris III (Executive Vice President, General Counsel, and Secretary), Matt Reddin (Executive
Vice President and Chief Banking Officer), Jena Compton (Executive Vice President and Chief People and Corporate Strategy Officer),
John Barber (Executive Vice President and Chief Credit Officer), Jennifer Gisi (Senior Vice President, Assistant General Counsel,
and Assistant Secretary), and Marty Casteel (Director) of Simmons occurred. Representatives of Stephens were present for such
meeting. During the meeting, the parties discussed Spirit&rsquo;s business and operations, the market outlook and other matters.
Following that meeting, Simmons&rsquo; management informed Stephens that they were interested in continuing discussions with Spirit
regarding its organization and future.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On September 27, 2021
upon the recommendation of the Spirit executive committee, the Spirit board of directors determined that it was in the best interests
of Spirit and its shareholders to continue exploring and evaluating potential strategic alternatives, including the conversations to
date with Simmons. In connection with such determination, the Spirit board of directors formed a strategic planning committee of the
Spirit board of directors consisting of Dean O. Bass (Chair), David M. McGuire, Leo T. Metcalf, III, Steven M. Morris, Thomas C. Sooy,
Steven Gregory Kidd, William K. Nix and Robert S. Beall, which we refer to as the Spirit strategic committee, to be advised by Spirit&rsquo;s
executive management, Spirit professional advisors, including Hunton Andrews Kurth LLP, as legal counsel, which we refer to as Hunton,
and Stephens, as financial advisor. The Spirit strategic committee was formed in exercise of the Spirit board of directors&rsquo; fiduciary
duty and for convenience and charged with the responsibility to review, evaluate, investigate, formulate, negotiate, document and
recommend to the Spirit board of directors the terms of any potential strategic alternative, to communicate, discuss and negotiate with
third parties and their respective representatives concerning potential strategic alternatives, and to recommend to the Spirit board
of directors a plan of action with respect to the strategic alternatives then available to Spirit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On September
27, 2021, Simmons submitted a non-binding letter of intent, which we refer to as the LOI, to Spirit. The LOI provided that Simmons
would pay the Spirit shareholders aggregate consideration consisting of 18,285,000 shares of Simmons common stock, subject to
certain adjustments for the cash-out of certain stock options and warrants. The LOI included the potential
appointment of Dean O. Bass to the Simmons board of directors, an exclusivity period during which Simmons and Spirit would conduct
due diligence on each other, and other customary provisions. Over the course of the following two days, both parties conferred
with their respective legal counsel and financial advisors and exchanged further information related to Spirit&rsquo;s historical
and projected financial performance, Simmons&rsquo; rationale for a strategic transaction with Spirit and other limited due diligence
matters. As part of these conversations, Stephens presented the LOI to the Spirit strategic committee on September 28, 2021. During
the virtual meeting of the Spirit strategic committee at which representatives of Spirit&rsquo;s executive management and Stephens
were present, Spirit&rsquo;s executive management presented Simmons&rsquo; rationale for a strategic transaction with Spirit.
Based on information provided by representatives of Stephens and Spirit&rsquo;s executive management, the Spirit strategic committee
also considered, among other things: the results of Stephens&rsquo; outreach efforts to the eight financial institutions contacted
during the second and third quarter of 2021; the potential benefits of a strategic transaction with Simmons compared to Spirit&rsquo;s
prospects as a standalone business; the attributes and characteristics of Simmons, including but not limited to, the premium to
the Spirit shareholders, Simmons&rsquo; increased financial resources, its history of paying dividends, its reputation, its history
of successful acquisitions and certain other potential synergies; and the expanded products and services that would enhance Spirit&rsquo;s
customer relationships. In light of these and other factors, the Spirit </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">strategic committee determined that a potential transaction
with Simmons provided greater shareholder value than remaining independent. Following discussion, the Spirit strategic committee
instructed Stephens to continue negotiations with Simmons to seek an improved purchase price and a shorter exclusivity period.
In addition, the Spirit strategic committee authorized Mr. Bass to execute a revised LOI. After the meeting and at the instruction
of the Spirit strategic committee, Stephens returned a revised draft of the LOI to Simmons on September 28, 2021, which we refer
to as the revised LOI. The revised LOI provided for certain downside protections and also provided that (i) any voting agreements
would be subject to customary termination provisions in connection with the exercise of fiduciary duties by the Spirit board of
directors, (ii) Dean O. Bass would also be appointed to the Simmons Bank board of directors, and (iii) the revised LOI would be
governed by the laws of the State of Texas and specified Dallas County, Texas as the venue for any action or claim arising out
of related to the revised LOI.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On September
29, 2021, following discussions between the financial advisors of Simmons and Spirit, Simmons returned a second revised LOI to
Spirit which increased the number of shares of Simmons common stock to be paid to Spirit shareholders to 18,325,000, representing
an increase of 40,000 shares, shortened the exclusivity period to 51 days and accepted the proposed venue change; however, the other
proposed changes in the revised LOI were not accepted. The parties executed the LOI on September 29, 2021.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit then commenced their respective due diligence reviews of each other, which included, among other things, an evaluation
of the other party&rsquo;s operations, material contracts and loan portfolio, and each party held discussions with selected members
of the senior management of the other party. Both Simmons and Spirit established virtual data rooms that were populated with
information on the parties based on requests by each side. On October 18, 2021, members of the Simmons executive management team
traveled to Conroe, Texas to meet with the Spirit executive management team. On November 4, 2021, members of the Simmons and Spirit
executive management teams held a telephonic due diligence meeting also attended by representatives of the parties&rsquo; financial
advisors. On November 15, 2021, Spirit&rsquo;s executive management team traveled to Little Rock, Arkansas to meet with the Simmons
executive management team and to complete the parties&rsquo; due diligence.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
provided an initial draft of the merger agreement to Spirit on October 27, 2021. Between October 27, 2021 and November 17, 2021,
Simmons and Spirit, together with their legal and financial advisors, discussed and negotiated the various legal and business
terms of the merger agreement, its ancillary agreements (including voting agreements) and the contemplated transaction. The negotiations
of the merger agreement primarily concentrated on Spirit&rsquo;s ability to operate its business between the signing of the merger
agreement and closing, the termination events, including those that trigger the payment of a termination fee, the amount of the
termination fee, no-solicitation covenants, the governing law and venue for any transaction litigation, and closing conditions
related to the accuracy of the parties&rsquo; representations and warranties on the closing date. In addition, Simmons and Spirit
discussed and negotiated voting agreements from the Spirit directors and named executive officers.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On November
4, 2021, the Spirit strategic committee held a virtual meeting at which representatives of management, Hunton and Stephens were
present. At that meeting, representatives of Hunton reviewed with the Spirit strategic committee its fiduciary duties in the context
of the potential transaction and the material terms of the draft merger agreement. The Spirit strategic committee discussed with
its advisors the material terms of the draft merger agreement, including, but not limited to, the mutuality of certain representations
and warranties, the governing law and venue for any transaction litigation, the parties&rsquo; closing conditions and certainty
of closing, the covenants governing Spirit&rsquo;s ability to operate in the ordinary course of business between signing and closing,
the amount of the proposed termination fee payable by Spirit and the circumstances in which such termination fee would be payable,
no-solicitation covenants, and certain other covenants of Spirit. Also at the meeting, the Spirit strategic committee discussed
the terms of the voting agreement with Simmons pursuant to which Spirit&rsquo;s directors and named executive officers would agree
to vote their shares of Spirit common stock in favor of the merger. Also at the meeting, a representative of Stephens reviewed
the financial aspects of the merger and the strategic and financial rationale of the merger and responded to questions by the
Spirit strategic committee. Following discussion, the Spirit strategic committee instructed Hunton to try to seek more favorable
terms in the</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">merger agreement, including seeking a lower termination fee, limiting the circumstances in which the termination
fee would be payable to Simmons, changes to the closing conditions to increase the certainty of closing and certain other changes
that would improve deal certainty.</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Following
the meeting, Simmons&rsquo; and Spirit&rsquo;s respective legal advisors continued to negotiate the terms of the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On November
16, 2021, the Spirit strategic committee held another virtual meeting at which representatives of management, Hunton and Stephens
were present. At that meeting, representatives of Hunton reviewed the material revisions to the merger agreement and related transaction
documents since the November 4, 2021 committee meeting, as well as the material business and legal points that remained unresolved.
Among other things, Hunton&rsquo;s representatives reviewed the no-solicitation covenants, the termination fee amount, the circumstances
in which the termination fee would become payable and closing conditions related to the accuracy of the parties&rsquo; representations
and warranties on the closing date. Hunton&rsquo;s representatives also reviewed the fiduciary duties of the Spirit strategic
committee members in connection with the merger. Also at the meeting, a representative of Stephens provided an updated financial
analysis of the merger and reviewed the strategic and financial rationale in favor of the merger. Representatives of Stephens
and Hunton responded to questions by the Spirit strategic committee members. During this meeting, members of the Spirit strategic
committee discussed at length with its advisors various topics, including, but not limited to: overall market volatility, particularly
with respect to bank and bank holding company stocks, and the risk that such volatility might impact overall transaction value;
potential synergies arising from the merger; cultural fit of Simmons and Spirit; transaction execution risk, closing conditions
and termination rights and remedies, and termination fee triggers. Following discussion, the Spirit strategic committee instructed
Hunton to continue negotiating for improved terms to the draft merger agreement. Following the meeting, negotiations continued
between the respective parties&rsquo; legal counsel related to the no-solicitation covenant, the termination fee amount and the
circumstances in which the termination fee would become payable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On November
18, 2021, the Spirit strategic committee met in Conroe, Texas. Representatives of Spirit&rsquo;s executive management, Stephens
and Hunton were also present. At that meeting, the Spirit strategic committee reviewed and discussed the proposed final forms
of the merger agreement and related transaction documents. At that meeting, representatives of Hunton reviewed the changes in
the material terms of the merger agreement and related transaction documents since the November 16, 2021 committee meeting. Also
at the meeting, a representative of Stephens reviewed the financial aspects of the merger and summarized the strategic and financial
rationale in favor of the transaction and responded to questions by the Spirit executive committee members. Finally, members of
Spirit&rsquo;s senior management reviewed with the Spirit strategic committee their diligence findings. After further discussion,
the Spirit strategic committee concluded that the terms of the proposed merger with Simmons were in the best interests of Spirit
and its shareholders and recommended that the Spirit board of directors approve the merger agreement and the transactions contemplated
thereby and recommend the merger agreement to the Spirit shareholders for approval.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On November 18,
2021, the Spirit board of directors held a meeting in Conroe, Texas and via videoconference at which representatives of
Spirit&rsquo;s executive management, Stephens and Hunton were present. At the request of the Spirit board of directors, Stephens
reviewed with the Spirit board of directors its financial analysis of the merger consideration (as described in the
section entitled &ldquo;The Merger&mdash;Opinion of Spirit&rsquo;s Financial Advisor&rdquo;) and responded to questions by the
Spirit board of directors. At the request of the Spirit board of directors, Stephens then delivered its oral opinion, which was
confirmed in writing and dated November 18, 2021, to the effect that, as of such date and subject to the procedures followed,
assumptions made, matters considered and qualifications and limitations on the review undertaken by Stephens as set forth in its
opinion, the merger consideration (as described in the section entitled &ldquo;The Merger&mdash;Opinion of Spirit&rsquo;s
Financial Advisor&rdquo;) was fair, from a financial point of view, to the Spirit shareholders. Also at this meeting, Hunton
reviewed with the Spirit board of directors their fiduciary duties in the context of the proposed transaction and the final terms of the proposed merger agreement. </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Hunton responded to questions from members of the Spirit board of directors. After further discussion
among the directors and Spirit&rsquo;s advisors and taking into account,
among other things, the factors described in the section entitled &ldquo;&mdash;Spirit&rsquo;s Reasons for the Merger,&rdquo; the Spirit
board of directors unanimously approved the merger agreement and the transactions contemplated thereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On November
18, 2021, the Simmons board of directors held a meeting to consider the terms of the merger and merger agreement. At the meeting,
members of Simmons&rsquo; management reported on the status of due diligence and negotiations with Spirit. Also at the meeting,
Simmons&rsquo; financial advisor reviewed with the Simmons board of directors the financial aspects of the merger. At the meeting,
Simmons&rsquo; internal legal counsel reviewed with the Simmons board of directors its fiduciary duties and reviewed the key terms
of the merger agreement and related agreements (including the voting agreements), as described elsewhere in this proxy statement/prospectus,
including a summary of the provisions relating to governance of the combined company and the provisions relating to employee matters.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">After
considering the proposed terms of the merger agreement, the terms of the voting agreements, and taking into consideration the
matters discussed during that meeting and prior meetings of the Simmons board of directors, including the factors described in
the section entitled &ldquo;&mdash;Simmons&rsquo; Reasons for the Merger,&rdquo; the Simmons board of directors determined that
the merger was consistent with Simmons&rsquo; business strategies and in the best interests of Simmons and Simmons shareholders
and the Simmons board of directors voted to adopt the merger agreement, the merger and the other transactions contemplated by
the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Following
the board meetings of Simmons and Spirit, on November 18, 2021, Simmons and Spirit executed the merger agreement and the directors
and named executive officers of Spirit executed the voting agreements. On November 19, 2021, Simmons and Spirit issued a joint
press release announcing the execution of the merger agreement.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_034"></A>Spirit&rsquo;s
Reasons for the Merger and Recommendation of the Spirit Board of Directors</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">After
careful consideration, at a meeting held on November 18, 2021, the Spirit board of directors determined that the merger agreement,
including the merger and the other transactions contemplated thereby, is in the best interests of Spirit and its shareholders
and unanimously approved the merger agreement and the transactions contemplated thereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In reaching
its decision to approve the merger agreement, the merger and the other transactions contemplated by the merger agreement, the
Spirit board of directors and the strategic planning committee of the Spirit board of directors, which we refer to as the special
committee, considered a number of factors, both positive and negative, and potential benefits and detriments of the merger to
Spirit and the Spirit shareholders in consultation with Spirit&rsquo;s management, as well as Spirit&rsquo;s financial and legal
advisors. The special committee and the Spirit board of directors identified the following factors and benefits of the merger
that, among others, the special committee and the Spirit board of directors believes generally support its determination and recommendation,
which are not presented in order of priority:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         business capabilities, earnings and growth prospects, current and projected financial
                                         and regulatory condition, assets, results of operations, business strategy and current
                                         and prospective regulatory environment of both Spirit and Simmons;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">other
                                         strategic alternatives for Spirit, including continuing to operate as a standalone company
                                         and the potential to acquire, be acquired or combine with other third parties, and the
                                         risks and uncertainties associated with each alternative, as well as the Spirit board
                                         of directors&rsquo; assessment that none of these alternatives was reasonably likely
                                         to present superior opportunities for Spirit to create greater value for the Spirit shareholders,
                                         taking into account the timing and the likelihood of accomplishing such alternatives
                                         and the risks of execution, as well as business, competitive, industry and market risks;</FONT></TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the
                                            financial information and analyses presented by Stephens to the Spirit board of directors,
                                            and the opinion of Stephens, dated November 18, 2021, to the Spirit board of directors as
                                            to the fairness of the merger consideration (as described in the section entitled
                                            &ldquo;The Merger&mdash;Opinion of Spirit&rsquo;s Financial Advisor&rdquo;) to the Spirit shareholders,
                                            from a financial point of view and as of the date of the opinion and based on and subject
                                            to the assumptions, procedures, factors, qualifications and limitations set forth therein;</FONT></TD>
</TR></TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"></FONT></P>





<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">that
                                         the per share merger consideration represents a premium of 28% per share, based on the
                                         closing prices of Spirit common stock and Simmons common stock on November 17, 2021,
                                         the day before the execution of the merger agreement;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">expectation
                                         that the merger will be generally tax-free for United States federal income tax purposes
                                         for Spirit shareholders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         results of Spirit&rsquo;s due diligence investigation of Simmons, including the Spirit
                                         board of directors&rsquo; opinion of the reputation, competence, business practices,
                                         integrity and experience of Simmons and its management;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         belief that the merger will result in a combined company with greater financial resources
                                         and a higher lending limit than the Spirit would have if it were to continue its operations
                                         as an independent entity;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         anticipated cost savings from expected increases in operating efficiency, reduced payments
                                         to vendors and third parties and elimination of duplicate executive management positions,
                                         while increasing responsiveness to compliance and regulatory requirements;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         limited geographic overlap between Spirit and Simmons, which will expand and diversify
                                         the markets in which the combined company operates and is expected to result in a high
                                         rate of retention of Spirit&rsquo;s employees after the announcement of the merger, which
                                         retention is expected to benefit the combined company;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         belief that Spirit will be able to pair its strong commercial deposit franchise and loan
                                         portfolio with Simmons&rsquo;s sizeable loan portfolio thereby enhancing the combined
                                         net interest margin and adding Simmons&rsquo;s track record of an ability to grow loans
                                         faster than the Spirit could do on an independent basis;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         view of Spirit&rsquo;s management that Simmons&rsquo; greater resources provides the
                                         combined company greater resiliency;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         belief that Simmons&rsquo; breadth and depth of management will offer Spirit greater
                                         expertise, an ability to offset staffing deficiencies and succession issues and greater
                                         bench strength;</FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         belief that Simmons&rsquo; extensive trust and wealth management platform and suite of
                                         consumer banking products and services, including a variety of trust, investment, agency
                                         and custodial services, will offer Spirit&rsquo;s customers more expansive products and
                                         services while providing more scale to Spirit&rsquo;s operations and profitability;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         view of Spirit&rsquo;s management that the merger will allow for greater opportunities
                                         for the Spirit&rsquo;s clients, customers and other constituencies within the communities
                                         in which Spirit operates, and that the potential synergies, low loan and deposit concentration
                                         levels allowing greater growth in all classes of commercial lending and diversification
                                         resulting from the merger will enhance product offerings and customer service beyond
                                         the level believed to be reasonably achievable by the Spirit on an independent basis;</FONT></TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         recommendation of Spirit&rsquo;s management in favor of the merger, considered in light
                                         of the benefits to be received by them in connection with the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">that
                                         the terms and conditions of the merger agreement, including, but not limited to, the
                                         representations, warranties and covenants of the parties, the conditions to closing and
                                         the form and structure of the aggregate merger consideration, are reasonable;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         likelihood that the merger will be completed based on, among other things, (i) each party&rsquo;s
                                         obligation to use its reasonable best efforts to obtain regulatory approvals as promptly
                                         as practicable and (ii) the limited closing conditions contained in the merger agreement;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">that
                                         the merger agreement provides Spirit with the ability to seek specific performance by
                                         Simmons of its obligations under the merger agreement, including to consummate the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">that
                                         the aggregate merger consideration to be issued in the merger is a fixed number of shares
                                         of Simmons common stock, which could allow the Spirit shareholders to benefit from an
                                         increase in the trading price of Simmons common stock during the pendency of the merger;
                                         and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         ability of the Spirit board of directors to withhold its recommendation that Spirit shareholders
                                         vote to approve the merger agreement in the event of a superior proposal, subject to
                                         the terms and conditions set forth in the merger agreement (including the right of Simmons
                                         to match any competing bid and the obligation of Spirit to nonetheless submit the merger
                                         agreement to the Spirit shareholders).</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The special
committee and the Spirit board of directors also identified and considered a variety of uncertainties and risks concerning the
merger, including, but not limited to, the following:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         possibility that the merger may not be completed, or that its completion may be unduly
                                         delayed, for reasons beyond the control of Spirit or Simmons;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         regulatory approvals required to complete the merger, the potential length of the regulatory
                                         approval process and the risks that the regulators could impose materially burdensome
                                         conditions that would allow Simmons to terminate the merger agreement or refuse to consummate
                                         the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         time, attention and effort required from Spirit&rsquo;s management and employees, and
                                         for Spirit employee attrition, during the period prior to the completion of the merger
                                         and the potential effect on Spirit&rsquo;s and Simmons&rsquo; respective business and
                                         relationships with customers, service providers and other stakeholders, whether or not
                                         the merger is completed;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         requirement that Spirit conduct its business in the ordinary course and the other restrictions
                                         on the conduct of the Spirit&rsquo;s business prior to completion of the merger, which
                                         may delay or prevent Spirit from undertaking business opportunities that may arise pending
                                         completion of the merger;</FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         potential that certain provisions of the merger agreement prohibiting Spirit from soliciting,
                                         and limiting its ability to respond to, proposals for alternative transactions, and requiring
                                         the payment of a termination fee if the merger agreement is terminated under certain
                                         circumstances could have the effect of discouraging an alternative proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">certain
                                         conditions to closing, including the acceptance by Spirit warrant holders of a warrant
                                         cancellation agreement and the satisfaction of certain asset quality and capital ratios;</FONT></TD></TR></TABLE>


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                                         fact that the interests of certain of Spirit&rsquo;s directors and executive officers
                                         may be different from, or in addition to, the interests of Spirit&rsquo;s other shareholders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         transaction costs and expenses that will be incurred in connection with the merger, including
                                         the costs of integrating the businesses of Spirit and Simmons;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         possible effects of the pendency or consummation of the transactions contemplated by
                                         the merger agreement, including any suit, action or proceeding initiated in respect of
                                         the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">that
                                         the aggregate merger consideration to be issued in the merger is a fixed number of shares
                                         of Simmons common stock, which may adversely impact the Spirit shareholders if the trading
                                         price of Simmons common stock decreases during the pendency of the merger; moreover,
                                         the exchange ratio will decrease in the event that the number of outstanding shares of
                                         Spirit common stock increases between the time of signing and closing;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         risk that benefits and synergies currently expected to result from the merger may not
                                         be realized or may not be realized within the expected time period, and the risks associated
                                         with the integration of Spirit and Simmons; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         limited geographic overlap between Spirit and Simmons, which may limit the combined company&rsquo;s
                                         ability to implement cost savings by eliminating branch locations and duplicate management
                                         and other employee positions.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The foregoing
discussion of information and factors considered by the special committee and the Spirit board of directors is not intended to
be exhaustive. In light of the variety of factors considered in connection with its evaluation of the merger agreement and the
transactions contemplated thereby, the special committee and the Spirit board of directors did not find it practicable to, and
did not, quantify or otherwise assign relative weights to the specific factors considered in reaching its determinations and recommendations.
Moreover, each member of the special committee and the Spirit board of directors applied his or her own personal business judgment
to the process and may have given different weight to different factors than other members gave to such factors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
board of directors collectively made its determinations and recommendations based on the conclusion reached by its members, in
light of the factors that each of them considered appropriate, that the merger is in the best interests of Spirit and the Spirit
shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">It should
be noted that this explanation of the Spirit board of directors&rsquo; reasoning and all other information presented in this section
is forward-looking in nature and, therefore, should be read in light of the factors discussed under the heading &ldquo;Cautionary
Statement Regarding Forward-Looking Statements.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>For
the reasons set forth above, the Spirit board of directors unanimously approved the merger agreement, the merger and the other
transactions contemplated by the merger agreement, determining that they are advisable and fair to, and in the best interest of,
Spirit and the Spirit shareholders and recommends that Spirit shareholders vote &ldquo;FOR&rdquo; the merger proposal, &ldquo;FOR&rdquo;
the advisory proposal on specified compensation and, if necessary or appropriate, &ldquo;FOR&rdquo; the adjournment proposal.</I></B></FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each of
the members of the Spirit board of directors and Spirit&rsquo;s named executive officers, in their capacities as individuals,
entered into the Spirit voting agreements with Simmons and Spirit pursuant to which they agreed to vote <B>&ldquo;FOR&rdquo;</B>
the merger proposal and <B>&ldquo;FOR&rdquo;</B> any other matters required to be approved by the Spirit shareholders in furtherance
of the merger proposal. For more information regarding the Spirit voting agreements, please see the section entitled &ldquo;The
Merger Agreement&mdash;Voting Agreements.&rdquo;</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_035"></A>Opinion of Spirit&rsquo;s
Financial Advisor</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">On September
23, 2021, Spirit engaged Stephens to act as financial adviser to Spirit and to render financial advisory and investment banking
services, including, if requested, to provide an opinion to the Spirit board of directors  as to the fairness, from a financial
point of view, of the consideration to be received in any transaction pursued by Spirit. Spirit engaged Stephens because, among
other factors, Stephens is a nationally recognized investment banking firm with substantial experience in similar transactions.
As part of its investment banking business, Stephens is continually engaged in the valuation of financial services businesses
and their securities in connection with mergers and acquisitions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">As part of Stephens&rsquo;
engagement, representatives of Stephens participated in a meeting of the Spirit board of directors held on November 18, 2021 in which
the Spirit board of directors evaluated the proposed merger. At this meeting, the Spirit board of directors requested and received reports,
discussion and commentary from its advisors, management and members regarding the proposed merger. As Spirit&rsquo;s financial advisor
at that meeting, Stephens reviewed the financial aspects of the proposed merger and rendered its oral opinion, which was subsequently
confirmed by delivery of a written opinion to the Spirit board of directors dated November 18, 2021, that, as of such date, the consideration to be received by the Spirit shareholders (solely in their capacity as such) in the merger, as described herein,
which we refer to in this section as the merger consideration, was fair to them from a financial point of view, based upon and subject
to the qualifications, assumptions and other matters considered in connection with the preparation of its opinion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">The full text
of Stephens&rsquo; written opinion letter, which we refer to as the opinion letter, is attached as <U>Annex C</U> to this proxy
statement-prospectus. The opinion letter outlines the procedures followed, assumptions made, matters considered and qualifications
and limitations on the review undertaken by Stephens in rendering its opinion. The summary of the opinion set forth in this document
is qualified in its entirety by reference to the full text of such opinion letter. Investors are urged to read the entire opinion
letter carefully in connection with their consideration of the proposed merger. Spirit did not give any instruction to or impose
any limitations on Stephens as it related to the issuance of its opinion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>Stephens&rsquo;
opinion speaks only as of the date of the opinion, and Stephens has undertaken no obligation to update or revise its opinion.
The opinion was directed to the Spirit board of directors (solely in its capacity as such) in connection with, and for purposes
of, its consideration of the merger. The opinion only addresses whether the merger consideration to be received by the
Spirit shareholders in the merger was fair, from a financial point of view, to them as of the date of the opinion. The opinion
does not address the underlying business decision of Spirit to engage in the merger or any other term or aspect of the merger
agreement or the transactions contemplated thereby. Stephens&rsquo; opinion does not constitute a recommendation to the Spirit
board of directors or any Spirit shareholder of as to how such person should vote or otherwise act with respect to the merger
or any other matter. Spirit and Simmons determined the merger consideration through a negotiation process.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In connection
with developing its opinion Stephens:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         certain publicly available financial statements and reports regarding Spirit and Simmons;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         certain audited financial statements regarding Spirit and Simmons;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         certain internal financial statements, management reports and other financial and operating
                                         data concerning Spirit and Simmons prepared by management of Spirit and Simmons, respectively;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed,
                                         on a pro forma basis, in reliance upon consensus research estimates and upon financial
                                         projections and other information and assumptions concerning Spirit provided by the management
                                         team of Spirit the effect of the merger on the balance sheet, capitalization ratios,
                                         earnings and book value both in the aggregate and, where applicable, on a per share basis
                                         of Spirit;<SUP> </SUP></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         the reported prices and trading activity for the common stock of Spirit and Simmons;</FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">compared
                                         the financial performance of Spirit and Simmons with that of certain other publicly-traded
                                         companies and their securities that Stephens deemed relevant to Stephens&rsquo; analysis
                                         of the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         the financial terms, to the extent publicly available, of certain merger or acquisition
                                         transactions that Stephens deemed relevant to Stephens&rsquo; analysis of the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         the most recent draft of the merger agreement and related documents provided to Stephens
                                         by Spirit;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">discussed
                                         with management of Spirit the operations of and future business prospects for Spirit
                                         and Simmons and the anticipated financial consequences of the merger to Spirit and Simmons;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">assisted
                                         in Spirit&rsquo;s deliberations regarding the material terms of the merger and Spirit&rsquo;s
                                         negotiations with Simmons; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">performed
                                         such other analyses and provided such other services as Stephens deemed appropriate.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Stephens relied
on the accuracy and completeness of the information, financial data and financial forecasts provided to Stephens by Spirit and
Simmons and of the other information reviewed by Stephens in connection with the preparation of Stephens&rsquo; opinion, and the
opinion is based upon such information. Stephens did not independently verify or undertake any responsibility to independently
verify the accuracy or completeness of any of such information, data or forecasts. The management teams of Spirit and Simmons
assured Stephens that they were not aware of any relevant information that had been omitted or remained undisclosed to Stephens.
Stephens did not assume any responsibility for making or undertaking an independent evaluation or appraisal of any of the assets
or liabilities of Spirit or of Simmons, and Stephens was not furnished with any such evaluations or appraisals; nor did Stephens
evaluate the solvency or fair value of Spirit or of Simmons under any laws relating to bankruptcy, insolvency or similar matters.
Stephens did not assume any obligation to conduct any physical inspection of the properties, facilities, assets or liabilities
(contingent or otherwise) of Spirit or of Simmons. Stephens did not receive or review any individual loan or credit files nor
did Stephens make an independent evaluation of the adequacy of the allowance for loan and lease losses of Spirit or Simmons. Stephens
did not make an independent analysis of the effects of the COVID-19 pandemic or related market developments or disruptions, or
of any other disaster or adversity, on the business or prospects of Spirit or Simmons. With respect to the financial forecasts
prepared by Spirit and Simmons, including the forecasts of potential cost savings and potential synergies, Stephens also assumed
that such financial forecasts had been reasonably prepared and reflected the best then currently available estimates and judgments
of the management teams of Spirit and of Simmons as to the future financial performance of Spirit and of Simmons and provided
a reasonable basis for Stephens&rsquo; analysis. Stephens recognizes that such financial forecasts were based on numerous variables,
assumptions and judgments that are inherently uncertain (including, without limitation, factors related to general economic and
competitive conditions) and that actual results could vary significantly from such forecasts, and Stephens expresses no opinion
as to the reliability of such financial projections and estimates or the assumptions upon which they were based.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Stephens
does not provide legal, accounting, regulatory, or tax advice or expertise, and Stephens relied solely, and without independent
verification, on the assessments of Spirit and its other advisors with respect to such matters. Stephens assumed, with Spirit&rsquo;s
consent, that the merger will not result in any materially adverse legal, regulatory, accounting or tax consequences for Spirit
or its shareholders and that any reviews of legal, accounting, </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">regulatory, or tax issues conducted as a result of the merger will
be resolved favorably to Spirit and its shareholders. Stephens does not express any opinion as to any tax or other consequences
that might result from the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Stephens&rsquo;
opinion was necessarily based upon market, economic and other conditions as they existed and could be evaluated on November 18,
2021, and on the information made available to Stephens as of the date thereof. It should be understood that subsequent developments
may affect the opinion and that Stephens did not undertake any obligation to update, revise or reaffirm the opinion or otherwise
comment on events occurring after November 18, 2021. Stephens further noted that the current volatility and disruption in the
credit and financial markets relating to, among other things, the COVID-19 pandemic, may or may not have an effect on Spirit or
Simmons, and Stephens did not express an opinion as to the effects of such volatility or such disruption on the merger or any
party to the merger. Stephens further expressed no opinion as to the prices at which shares of Simmons common stock or Spirit
common stock may trade at any time subsequent to the announcement of the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>







<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
connection with developing its opinion, Stephens assumed that, in all respects material to its analyses:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(i)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         merger and any related transactions will be consummated on the terms of the latest draft
                                         of the merger agreement provided to Stephens, without material waiver or modification;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(ii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         representations and warranties of each party in the merger agreement and in all related
                                         documents and instruments referred to in the merger agreement are true and correct;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(iii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">each
                                         party to the merger agreement and all related documents will perform all of the covenants
                                         and agreements required to be performed by such party under such documents;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(iv)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">all
                                         conditions to the completion of the merger will be satisfied within the time frames contemplated
                                         by the merger agreement without any waivers;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(v)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">that
                                         in the course of obtaining the necessary regulatory, lending or other consents or approvals
                                         (contractual or otherwise) for the merger and any related transactions, no restrictions,
                                         including any divestiture requirements or amendments or modifications, will be imposed
                                         that would have a material adverse effect on the contemplated benefits of the merger
                                         to the Spirit shareholders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(vi)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">there
                                         has been no material change in the assets, liabilities, financial condition, results
                                         of operations, business or prospects of Spirit or Simmons since the date of the most
                                         recent financial statements made available to Stephens, and that no legal, political,
                                         economic, regulatory or other development has occurred that will adversely impact Spirit
                                         or Simmons; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(vii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         merger will be consummated in a manner that complies with applicable law and regulations.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: .5in"><FONT STYLE="font-size: 10pt">Stephens&rsquo;
opinion is limited to whether the merger consideration to be received by the Spirit shareholders in the merger is fair
to them from a financial point of view. Stephens was not asked to, and it did not, offer any opinion as to the terms of the merger
agreement or the form of the merger or any aspect of the merger, other than the fairness, from a financial point of view, of the merger consideration to be received in the merger by the Spirit shareholders. The opinion did not address the merits
of the underlying decision by Spirit to engage in the merger, the merits of the merger as compared to other alternatives potentially
available to Spirit or the relative effects of any alternative transaction in which Spirit might engage, nor is it intended to
be a recommendation to any person or entity as to any specific action that should be taken in connection with the merger, including
with respect to how to vote or act with respect to the merger. In addition Stephens&rsquo; opinion did not address, the fairness
to, or any other consideration of, holders of any class of securities, creditors or other constituencies of Spirit. Moreover,
Stephens did not express any opinion as to the fairness of the amount or nature of the compensation to any of Spirit&rsquo;s officers,
directors or employees, or to any group of such officers, directors or employees, whether relative to the compensation to other
shareholders of Spirit or otherwise.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
following is a summary of the material financial analyses performed and material factors considered by Stephens in connection
with its opinion. Stephens performed certain procedures, including each of the financial analyses described below, and reviewed
with Spirit&rsquo;s executive management and the Spirit board of directors the assumptions upon which the analyses were based,
as well as other factors. Although this summary does not purport to describe all of the analyses performed or factors considered
by Stephens within this regard, it does set forth those considered by Stephens to be material in arriving at its opinion. The
preparation of a fairness opinion is a complex analytic process involving various determinations as to the appropriate and relevant
methods of financial analysis and the application of those methods to the particular circumstances. Therefore, a fairness opinion
is not readily susceptible to partial analysis or summary description. The order of the summaries of analyses described does not
represent the relative importance or weight given to those analyses by Stephens. It should be noted that in arriving at its opinion,
Stephens did not attribute any particular weight to any analysis or factor considered by it, but rather made qualitative judgments
as to the significance and relevance of each analysis and factor. Accordingly, Stephens believes that its analysis must be considered
as a whole and that considering any portion of such analyses and factors, without considering all analyses and factors as a whole,
could create a misleading or incomplete view of the process underlying its opinion. The financial analyses summarized below include
information presented in tabular format. The tables alone do not constitute a complete description of the financial analyses.
Accordingly, Stephens&rsquo; analyses and the summary of its analyses must be considered as a whole, and selecting portions of
its analyses and factors or focusing on the information presented below in tabular format, without considering all analyses and
factors or the full narrative description of the financial analyses, including the methodologies and assumptions underlying the
analyses, could create a misleading or incomplete view of the process underlying its analyses and opinion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>Summary
of Proposed Transaction</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Stephens
reviewed the financial terms of the merger. The merger agreement provided that collectively the Spirit shareholders and holders
of Spirit RSUs are expected to receive, in the aggregate, in exchange for their respective outstanding shares of Spirit common
stock and Spirit RSUs, 18,325,000 shares of Simmons common stock, subject to potential adjustments as described in the merger
agreement, including substituting cash for shares of Simmons common stock to the extent necessary to cash out Spirit stock options
and Spirit warrants that are outstanding immediately prior to the effective time of the merger. Based upon the unaudited financial
information of Spirit as of and for the twelve months ended September 30, 2021, and Simmons&rsquo; closing stock price and consensus
research estimates as of November 15, 2021, Stephens calculated the following per share transaction multiples:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 90%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="width: 69%; padding-right: 0; padding-left: 0; font: 10pt Times New Roman, Times, Serif; padding-top: 0"><FONT STYLE="font-size: 10pt">Transaction
    Value / Tangible Book Value per Share:</FONT></td>
    <TD STYLE="width: 21%; padding-right: 5.4pt; padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">1.87x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; padding-top: 0"><FONT STYLE="font-size: 10pt">Transaction
    Value / Last Twelve Months, or LTM, Earnings per Share, or EPS:</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12.7x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; padding-top: 0"><FONT STYLE="font-size: 10pt">Transaction
    Value / 2022 EPS:</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">15.4x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; padding-top: 0"><FONT STYLE="font-size: 10pt">Transaction
    Value / 2023 EPS:</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">14.0x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; padding-top: 0"><FONT STYLE="font-size: 10pt">Core
    Deposit Premium per Share:</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">12.0%</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><B><I>Relevant
Nationwide Public Companies Analysis</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Stephens
compared the financial condition, operating statistics and market valuation of Spirit to selected relevant public companies and
their stock trading prices. Stephens selected the companies outlined below because their relative asset size and financial performance,
among other factors, were reasonably similar to Spirit; however, no selected company below was identical or directly comparable
to Spirit. A complete analysis involves complex considerations and qualitative judgments concerning differences in financial and
operating characteristics and other factors that could affect the public trading values of the relevant public companies. Mathematical
analysis (such as determining the median) is not in itself a meaningful method of using relevant public company data.</FONT></P>

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    <!-- Field: /Page -->



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Stephens
selected the following relevant nationwide public companies with assets between $2.5 billion and $3.5 billion and a return on
average assets greater than 0.50%, as of and for the LTM ended September 30, 2021, excluding merger targets:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">HomeTrust Bancshares, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Mid Penn Bancorp, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Primis Financial Corp.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Sierra Bancorp</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Bridgewater Bancshares, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Farmers National Banc Corp.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">American National Bankshares
Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Old Second Bancorp, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">West Bancorporation, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Peoples Financial Services
Corp.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Alerus Financial Corporation</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Hingham Institution for Savings</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">First Community Bankshares,
Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Capstar Financial Holdings,
Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Red River Bancshares, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">BCB Bancorp, Inc.</FONT></TD>
</TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Guaranty Bancshares, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Civista Bancshares, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Macatawa Bank Corporation</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Orrstown Financial Services,
Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Bank First Corporation</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">First Guaranty Bancshares,
Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">ACNB Corporation</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">MVB Financial Corp.</FONT></TD>
</TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Southern First Bancshares,
Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Home Bancorp, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">MetroCity Bankshares, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Southern Missouri Bancorp,
Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Professional Holding Corp.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Northrim BanCorp, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">First Business Financial
Services, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The First Bancorp, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Colony Bankcorp, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Western New England Bancorp,
Inc.</FONT></TD>
</TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">To perform
this analysis, Stephens examined publicly available financial information as of and for the LTM ended September 30, 2021, or the
most recently reported period available, and the market trading multiples of the relevant public companies based on November 15,
2021 closing prices. The financial data included in the table presented below may not correspond precisely to the data reported
in historical financial statements as a result of the assumptions and methods used by Stephens to compute the financial data presented.
The table below contains selected information utilized by Stephens in its analysis:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; width: 53%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; width: 13%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P></td>
    <TD STYLE="vertical-align: bottom; width: 12%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">25<SUP>th</SUP></FONT></P></td>
    <TD STYLE="vertical-align: top; width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"></FONT></td>
    <TD STYLE="vertical-align: bottom; width: 12%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">75<SUP>th</SUP></FONT></P></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U><FONT STYLE="font-size: 10pt">Spirit</FONT></U></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U>Percentile</U></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U>Median</U></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U>Percentile</U></FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Tangible
    Common Equity / Tangible Assets</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.9%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">8.2%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.0%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.7%</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Price
    / Tangible Book Value</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.44x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.28x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.41x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.82x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Price
    / 2022 Estimated EPS</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">11.9x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">10.7x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">12.0x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">13.7x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Price
    / 2023 Estimated EPS</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">10.8x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.6x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">11.2x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">12.9x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>Relevant
Texas Public Companies Analysis</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Stephens
compared the financial condition, operating statistics and market valuation of Spirit to selected relevant Texas public companies
and their stock trading prices. Stephens selected the companies outlined below because their relative asset size and financial
performance, among other factors, were reasonably similar to Spirit; however, no selected company below was identical or directly
comparable to Spirit. A complete analysis involves complex considerations and qualitative judgments concerning differences in
financial and operating characteristics and other factors that could affect the public trading values of the relevant public companies.
Mathematical analysis (such as determining the median) is not in itself a meaningful method of using relevant public company data.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Stephens
selected the following relevant Texas public companies with assets less $8 billion, as of and for the LTM ended September 30,
2021, excluding Allegiance Bancshares, Inc., CBTX, Inc. and Triumph Bancorp, Inc.:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">First Foundation Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Southside Bancshares, Inc.</FONT></TD>
</TR></TABLE>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">South Plains Financial, Inc.</FONT></TD>
</TR></TABLE>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Guaranty Bancshares, Inc.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Third Coast Bancshares, Inc.</FONT></TD>
</TR></TABLE>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">To perform
this analysis, Stephens examined publicly available financial information as of and for the LTM ended September 30, 2021, or the
most recently reported period available, and the market trading multiples of the relevant public companies based on November 15,
2021 closing prices. The financial data included in the table presented below may not correspond precisely to the data reported
in historical financial statements as a result of the assumptions and methods used by Stephens to compute the financial data presented.
The table below contains selected information utilized by Stephens in its analysis:</FONT></P>

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<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; width: 52%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; width: 14%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P></td>
    <TD STYLE="vertical-align: bottom; width: 12%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">25<SUP>th</SUP></FONT></P></td>
    <TD STYLE="vertical-align: top; width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 12%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">75<SUP>th</SUP></FONT></P></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U><FONT STYLE="font-size: 10pt">Spirit</FONT></U></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U>Percentile</U></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U>Median</U></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U>Percentile</U></FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Tangible
    Common Equity / Tangible Assets</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.9%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.0%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.7%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.9%</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Price
    / Tangible Book Value</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.44x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.29x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.82x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.92x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Price
    / 2022 Estimated EPS<SUP>(1)</SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">11.9x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">12.1x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">12.9x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">14.0x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Price
    / 2023 Estimated EPS<SUP>(1)</SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">10.8x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">10.7x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">11.9x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">13.4x</FONT></td></tr>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>



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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 52%"><FONT STYLE="font-size: 10pt"><SUP>(1)
    </SUP>Excludes Third Coast Bancshares, Inc.</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; width: 14%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; width: 12%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; width: 10%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; width: 12%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><B><I>Relevant
Nationwide Transactions Analysis</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Stephens
reviewed publicly available selected transaction multiples and related financial data for relevant nationwide transactions announced
since January 1, 2020 with a disclosed deal value, with target assets between $2 billion and $5 billion and with a LTM return
on average assets between 0.50% and 2.00%, excluding merger of equals transactions. The following transactions were considered
by Stephens because each acquired company&rsquo;s relative asset size, financial performance and markets of operation, among other
factors, was reasonably similar to Spirit; however, no selected company below was identical or directly comparable to Spirit (in
each transaction, the acquirer is listed first, the target is listed second and the transaction announcement date is listed third):</FONT></P>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">First
                                         Merchants Corporation / Level One Bancorp, Inc. (11/4/21)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Old
                                         Second Bancorp, Inc. / West Suburban Bancorp, Inc. (7/26/21)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">South
                                         State Corporation / Atlantic Capital Bancshares, Inc. (7/23/21)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">United
                                         Community Banks, Inc. / Reliant Bancorp, Inc. (7/14/21)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">F.N.B.
                                         Corporation / Howard Bancorp, Inc. (7/13/21)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">First
                                         Foundation Inc. / TGR Financial, Inc. (6/3/21)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Glacier
                                         Bancorp, Inc. / Altabancorp (5/18/21)</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Enterprise
                                         Financial Services Corp / First Choice Bancorp (4/26/21)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Provident
                                         Financial Services, Inc. / SB One Bancorp (3/12/20)</FONT></TD></TR></TABLE>





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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Stephens
considered these selected transactions to be reasonably similar, but not identical or directly comparable, to the merger. A complete
analysis involves complex considerations and qualitative judgments concerning differences in the selected transactions and other
factors that could affect the transaction values in those selected transactions to which the merger is being compared. Mathematical
analysis (such as determining the median) is not in itself a meaningful method of using selected transaction data. To perform
this analysis, Stephens used the closing price of Simmons common stock on November 15, 2021. Stephens compared certain proposed
transaction multiples of the merger to the 25<SUP>th</SUP> percentile, median and 75<SUP>th</SUP> percentile transaction multiples
of the relevant transactions:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; margin-bottom: 0">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; width: 54%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U>Spirit</U></FONT></td>
    <TD STYLE="vertical-align: bottom; width: 12%; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">25<SUP>th</SUP></FONT><BR>
    <FONT STYLE="font-size: 10pt"><U>Percentile</U></FONT></td>
    <TD STYLE="vertical-align: bottom; width: 9%; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><U>Median</U></FONT></td>
    <TD STYLE="vertical-align: bottom; width: 12%; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">75<SUP>th
    </SUP></FONT><BR>
    <FONT STYLE="font-size: 10pt"><U>Percentile</U></FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Target
    LTM Return on Average Assets</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.47%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">0.89%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.28%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.35%</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Target
    Tangible Common Equity/Tangible Assets</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.9%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">8.4%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">8.9%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.3%</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Transaction
    Value Per Share/Tangible Book Value Per Share</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.87x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.60x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.81x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1.85x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Transaction
    Value Per Share / LTM EPS</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">12.7x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">10.4x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">12.5x</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">17.2x</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Core
    Deposit Premium</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">12.0%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">5.1%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">9.0%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">11.4%</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><B><I></I></B></FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>Discounted
Cash Flow Analysis</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Stephens
performed a discounted cash flow analysis using analyst consensus EPS and total assets for the remainder of 2021 through 2023,
and then 8% growth thereafter as instructed by Spirit&rsquo;s executive management team and then calculated a range of implied
equity values for Spirit based upon the discounted net present value of the projected after-tax free cash flows for the projected
period. Stephens determined the amount of cash flow assuming (i) a terminal earnings multiple of 12.0x, (ii) dividend payments
for earnings and excess capital above a tangible common equity to tangible asset ratio of 9.0% from 2021 to 2025 and (iii) the
present value of Spirit&rsquo;s implied terminal value at the end of such period. Stephens calculated the terminal value of Spirit
based on 2026 estimated earnings and multiples of 11.0x to 13.0x. Stephens considered discount rates from 9.0% to 11.0%. Based
on this analysis, Stephens derived a range for the implied equity value of Spirit from $25.57 per share to $31.28 per share.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">The
discounted cash flow analysis is a widely used valuation methodology, but the results of this methodology are highly dependent
on the assumptions that must be made, including asset and earnings growth rates, terminal values, capital levels, and discount
rates. The analysis did not purport to be indicative of the actual values or expected values of Spirit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">With
respect to each of the analyses described above, the actual results may vary from the projected results, and the variations may
be material.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><B><I>Financial
Impact Analysis</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Stephens
analyzed the estimated merger consequences of certain pro forma combined income statement and balance sheet information of Spirit
and Simmons. Stephens discussed with management of Spirit and Simmons key assumptions regarding the expected accounting treatment,
potential cost savings and other acquisition adjustments resulting from the merger. Stephens&rsquo; analysis utilized consensus
earnings estimates for Spirit and Simmons as of November 15, 2021. Based on this analysis, Stephens estimated that the merger
would likely be accretive to Simmons&rsquo; consensus EPS following the closing of the merger. Stephens also estimated that Simmons
would maintain capital ratios in excess of those required by Simmons to be considered well-capitalized under existing regulations.
Like the discounted cash flow analysis, the financial impact analysis is highly dependent upon the assumptions that must be made,
including with respect to earnings estimates, cost savings and other</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"> matters. Accordingly, the actual results achieved by the
combined company following the merger may vary from the projected results, and the variations may be material.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 12pt; text-indent: .5in"><FONT STYLE="font-size: 10pt"><B><I>Miscellaneous</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
preparation of a fairness opinion is a complex process and is not susceptible to a partial analysis or summary description. Stephens
believes that its analyses must be considered as a whole and that selecting portions of its analyses, without considering the
analyses taken as a whole, would create an incomplete view of the process underlying its opinion. In addition, Stephens considered
the results of all such analyses and did not assign relative weights to any of the analyses, but rather made qualitative judgments
as to significance and relevance of each analysis and factor, so the results from any particular analysis described above should
not be taken to be the view of Stephens.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">In performing
its analyses, Stephens made numerous assumptions with respect to industry performance, general business, economic and regulatory
conditions and other matters, many of which are beyond the control of Spirit. The analyses performed by Stephens are not necessarily
indicative of actual values, trading values or actual future results which might be achieved, all of which may be significantly
more or less favorable than suggested by such analyses. The analyses do not purport to be appraisals or to reflect the prices
at which companies may actually be sold, and such estimates are inherently subject to uncertainty.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Stephens
is serving as financial adviser to Spirit in connection with the merger and is entitled to receive a fee from such services in
an amount equal to 1.15% of the aggregate consideration paid in connection with the merger, a significant portion of which is
contingent upon the consummation of the merger. Stephens also received an $800,000 fee from Spirit upon rendering its fairness
opinion, which opinion fee will be credited in full against the fee which will become payable to Stephens upon the closing of
the merger. Stephens would also be entitled to a fee under certain circumstances following a termination of the merger agreement.
Spirit has also agreed to indemnify Stephens against certain claims and liabilities arising out of Stephens&rsquo; engagement
and to reimburse Stephens for certain of its out-of-pocket expenses incurred in connection with the engagement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Stephens
did not receive any fees for providing investment banking or other services to Spirit within the past two years; however, just
over two years ago, Stephens served as financial advisor to Spirit in connection with its acquisition of Chandler Bancorp, Inc.,
for which Stephens received customary fees.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">During
the two years preceding the date of this letter, Stephens served as financial advisor to Simmons in connection with the acquisitions
of Landmark Community Bank and Triumph Bancshares, Inc. and the sale by Simmons of five branch locations to Spirit, and Stephens
received customary fees in connection with such transactions, and, just over two years ago, Stephens served as financial advisor
to Simmons in connection with the acquisition of Landrum Company, for which Stephens also received customary fees.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 12pt; text-indent: .5in"><FONT STYLE="font-size: 10pt">In
the ordinary course of its business, Stephens Inc. and its affiliates and employees at any time may hold long or short positions,
and may trade or otherwise effect transactions as principal or for the accounts of customers, in debt, equity or derivative securities
of participants in the merger.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_036"></A>Certain Unaudited
Prospective Financial Information</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit do not as a matter of course make public projections as to future performance, revenues, earnings or other financial
results due to, among other reasons, the inherent uncertainty of the underlying assumptions and estimates of any such projections.
However, Spirit is including in this proxy statement/prospectus certain unaudited prospective financial information that was made
available by Spirit to Stephens for the purpose of Stephens performing its financial analysis in connection with rendering its
opinion to the Spirit board of directors, as described in this proxy statement/prospectus under the section entitled &ldquo;&mdash;Opinion</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">
of Spirit&rsquo;s Financial Advisor.&rdquo; This unaudited prospective financial information was prepared solely by Spirit management
and was not prepared, provided to, reviewed or approved by Simmons management or the Simmons board of directors. By inclusion
of this information, the respective managements and boards of directors of Simmons and Spirit and Spirit&rsquo;s financial advisor,
assume no responsibility for the unaudited prospective financial information. The inclusion of this information should not be
regarded as an indication that any of Simmons, Spirit, Stephens, their respective representatives or any other recipient of this
information considered, or now considers, it to be necessarily predictive of actual future results, or that it should be construed
as financial guidance, and it should not be relied on as such.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This information
was prepared solely by Spirit management for internal use and is subjective in many respects. While presented with numeric specificity,
the unaudited prospective financial information reflects numerous estimates and assumptions made solely by Spirit management with
respect to business, economic, market, competition, regulatory and financial conditions and matters specific to Simmons&rsquo;
and Spirit&rsquo;s respective businesses, all of which are difficult to predict and many of which are beyond Simmons&rsquo; and
Spirit&rsquo;s control. The unaudited prospective financial information reflects both assumptions solely by Spirit management
as to certain business decisions that are subject to change and, in many respects, subjective judgment solely by Spirit management,
and thus is susceptible to multiple interpretations and periodic revisions based on actual experience and business developments.
No assurance can be given that the unaudited prospective financial information and the underlying estimates and assumptions will
be realized. Actual results may differ materially from those set forth below, and important factors that may affect actual results
and cause the unaudited prospective financial information to be inaccurate include, but are not limited to, risks and uncertainties
relating to Simmons&rsquo; and Spirit&rsquo;s respective businesses, industry performance, general business and economic conditions,
competition, customer requirements and adverse changes in applicable laws, regulations or rules. For other factors that could
cause actual results to differ, see the sections entitled &ldquo;Risk Factors&rdquo; and &ldquo;Cautionary Statement Regarding
Forward-Looking Statements&rdquo; and in Simmons&rsquo; Annual Report on Form 10-K for the fiscal year ended December 31,
2020 and Spirit&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2020 and the other reports filed
by Simmons and Spirit with the SEC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The unaudited
prospective financial information was not prepared by Spirit management with a view toward public disclosure, nor was it prepared
with a view toward compliance with GAAP, the prevailing practices in the banking industry, published guidelines of the SEC or
the guidelines established by the American Institute of Certified Public Accountants for preparation and presentation of prospective
financial information. In addition, the unaudited prospective financial information requires significant estimates and assumptions
that make it inherently less comparable to the similarly titled GAAP measures in Simmons&rsquo; and Spirit&rsquo;s respective
historical GAAP financial statements. Neither Simmons&rsquo; nor Spirit&rsquo;s independent public accountants nor any other independent
accountants, have compiled, examined or performed any procedures with respect to the unaudited prospective financial information
contained herein, nor have they expressed any opinion or any other form of assurance on such information or its achievability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Furthermore,
the unaudited prospective financial information does not take into account any circumstances or events occurring after the date
it was prepared. No assurance can be given that, had the unaudited prospective financial information been prepared as of the date
of this proxy statement/prospectus, similar estimates and assumptions would be used. Neither Simmons nor Spirit intends to, and
expressly disclaims any obligation to, make publicly available any update or other revision to the unaudited prospective financial
information to reflect circumstances existing since their preparation or to reflect the occurrence of unanticipated events, even
in the event that any or all of the underlying assumptions are shown to be in error, or to reflect changes in general economic
or industry conditions. The unaudited prospective financial information does not take into account the possible financial and
other effects on Simmons or Spirit, as applicable, of the merger and does not attempt to predict or suggest future results of
the surviving company. The unaudited prospective financial information does not give effect to the merger, including the impact
of negotiating or executing the merger agreement, the expenses that may be incurred in connection with consummating the merger,
the potential synergies that may be achieved</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"> by the surviving company as a result of the merger, the effect on Simmons or Spirit
of any business or strategic decision or action that has been or will be taken as a result of the merger agreement having been
executed, or the effect of any business or strategic decisions or actions that would likely have been taken if the merger agreement
had not been executed, but which were instead altered, accelerated, postponed or not taken in anticipation of the merger. Further,
the unaudited prospective financial information does not take into account the effect on Spirit of any possible failure of the
merger to occur.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">None of
Simmons, Spirit, Stephens, or their respective affiliates, officers, directors, advisors or other representatives has made, makes
or is authorized in the future to make any representation to any shareholder of Simmons or Spirit or other persons regarding Spirit&rsquo;s
or Simmons&rsquo; ultimate performance compared to the information contained in the unaudited prospective financial information
or that the projected results will be achieved. The summary of the unaudited prospective financial information included below
is not being included to influence your decision whether to vote for the merger proposal, but is being provided solely because
it was made available to Stephens in connection with the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In light
of the foregoing, and considering that the Spirit special meeting will be held many months after the unaudited prospective financial
information was prepared, as well as the uncertainties inherent in any forecasted information, Spirit shareholders are cautioned
not to place unwarranted reliance on such information, and all Spirit shareholders are urged to review the other information contained
elsewhere in this proxy statement/prospectus for a description of Simmons&rsquo; and Spirit&rsquo;s respective businesses, as
well as Simmons&rsquo; and Spirit&rsquo;s most recent SEC filings for a description of their respective reported financial results.
See the section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
tables present selected unaudited prospective financial data of Spirit and Simmons prepared solely by Spirit management and approved
by the Spirit board of directors for Stephens&rsquo; financial analysis in connection with rendering its opinion to the Spirit
board of directors, as described in in this proxy statement/prospectus under the section entitled &ldquo;&mdash;Opinion of Spirit&rsquo;s
Financial Advisor.&rdquo; The EPS estimates for the years ending December 31, 2022 and 2023 were based on publicly available &ldquo;street
estimates,&rdquo; and the growth rates below were then used to extrapolate the EPS estimates for the years ended December 31,
2024, 2025 and 2026.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="18" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">As of or For the Years Ended December 31,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2022</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2023</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2024</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2025</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2026</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; text-align: left">Spirit Net Income ($ millions)</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">37.8</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">41.7</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">45.0</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">48.6</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">52.5</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left">Spirit Total Assets ($ billions)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.4</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.7</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4.0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4.4</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4.7</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Spirit EPS</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.14</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.36</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.55</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.75</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.97</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Assumed Long-Term Growth Rates <BR> for Spirit</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%">Earnings (%)</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: center">8.0%</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left">Total Assets (%)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">8.0%</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Assumed Long-Term Growth Rates <BR> for Simmons</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%">Earnings (%)</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: center">7.0%</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left">Total Assets (%)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">7.0%</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>



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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_037"></A>Simmons&rsquo;
Reasons for the Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In reaching
its decision to adopt the merger agreement, the merger and the other transactions contemplated by the merger agreement, the Simmons
board of directors evaluated the merger agreement and the merger in consultation with Simmons&rsquo; management, as well as Simmons&rsquo;
financial and legal advisors, and considered a number of factors, including, without limitation, the following material factors,
which are not presented in order of priority:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">each
                                         of Simmons&rsquo;, Spirit&rsquo;s and the combined company&rsquo;s business, operations,
                                         financial condition, asset quality, earnings and prospects;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         fact that Spirit&rsquo;s business and operations complement those of Simmons and that
                                         the merger would result in a combined company with a diversified revenue stream from
                                         diversified geographic markets, a well-balanced portfolio and an attractive funding base;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">its
                                         existing knowledge of Spirit&rsquo;s business and its review and discussions with Simmons&rsquo;
                                         management concerning the additional due diligence examination of Spirit conducted in
                                         connection with the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         perceived complementary nature of the cultures of the two companies, which Simmons&rsquo;
                                         management believes should facilitate integration and implementation of the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         complementary branch networks of Simmons and Spirit;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit&rsquo;s
                                         market position within the Texas banking market;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">its
                                         understanding of the current and prospective environment in which Simmons and Spirit
                                         operate, including national, regional and local economic conditions, the competitive
                                         environment for financial institutions generally and the likely effect of these factors
                                         on Simmons both with and without the merger;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         market for alternative merger or acquisition transactions in the financial services industry
                                         and the likelihood and timing of other material strategic transactions;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         terms of the merger agreement, including the aggregate merger consideration, expected
                                         tax treatment, deal protection and termination fee provisions, which the Simmons board
                                         of directors reviewed with Simmons&rsquo; management and Simmons&rsquo; financial and
                                         legal advisors;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons&rsquo;
                                         successful operating and acquisition track record, specifically Simmons&rsquo; history
                                         of efficiently closing and integrating acquisitions;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">its
                                         belief that the merger is likely to provide value to Simmons shareholders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         potential risks associated with achieving anticipated cost synergies and savings and
                                         successfully integrating Spirit&rsquo;s business, operations and workforce with those
                                         of Simmons;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         potential risk of diverting management attention and resources from the operation of
                                         Simmons&rsquo; business and towards the completion of the merger;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
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                                         anticipated merger-related costs;</FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         regulatory and other approvals required in connection with the merger and the expectation
                                         that such regulatory approvals will be received in a timely manner and without the imposition
                                         of unacceptable conditions, including a burdensome condition;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         potential risk of losing other acquisition opportunities while Simmons remains focused
                                         on completing the merger; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         nature and amount of payments and other benefits to be received by Spirit&rsquo;s management
                                         in connection with the merger.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The foregoing
discussion of the information and factors considered by the Simmons board of directors is not intended to be exhaustive, but,
rather, includes the material factors considered by the Simmons board of directors. In reaching its decision to approve the merger
agreement, the merger and the other transactions contemplated by the merger agreement, the Simmons board of directors did not
quantify or assign any relative weights to the factors considered, and individual directors may have given different weights to
different factors. The Simmons board of directors considered all these factors as a whole, and overall considered the factors
to be favorable to, and to support, its determination to adopt the merger agreement and the transactions contemplated thereby,
including the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This explanation
of the Simmons board of directors&rsquo; reasoning and all other information presented in this section is forward-looking in nature
and, therefore, should be read in light of the factors discussed under the heading &ldquo;Cautionary Statement Regarding Forward-Looking
Statements.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_038"></A>Management and
Board of Directors of Simmons After the Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except
as described below, directors and officers of Simmons immediately prior to the effective time will serve as the directors and
officers of the surviving corporation from and after the effective time in accordance with the bylaws of the surviving corporation.
Information about the current members of the Simmons board of directors can be found in the documents listed under the section
entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons expects
to have Dean Bass, Chairman and CEO of Spirit, join the Simmons board of directors shortly following the closing of the merger as an
independent director. </FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_039"></A>Interests of Spirit&rsquo;s
Directors and Executive Officers in the Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In considering
the recommendations of the Spirit board of directors, Spirit shareholders should be aware that some of Spirit&rsquo;s executive
officers and directors have interests in the merger, which may be considered to be different from, or in addition to, the interests
of the Spirit shareholders generally. These interests are described below. The Spirit board of directors was aware of these interests
and considered them, among other matters, in reaching its decision to approve the merger agreement, the merger and the other transactions
contemplated by the merger agreement and to recommend that Spirit shareholders vote <B>&ldquo;FOR&rdquo;</B> the merger proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Employment
Agreements</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Four executive
officers of Spirit are party to employment agreements with Spirit: Dean O. Bass, David M. McGuire, Jerry D. Golemon and Allison S.
Johnson, which collectively we refer to as the executives. Without a change in control, as defined in their employment agreements,
these four executives are entitled to certain defined severance benefits if they are terminated by Spirit without cause, as cause is
defined in their employment agreements. In the event of termination (without cause and without a change in control), Messrs. Bass and </FONT></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">McGuire would be entitled to receive compensation
equal to the sum of: (a) the executive&rsquo;s accrued rights, as defined in their respective employment agreements, plus (b) an amount
equal to 2.0 times the sum of (i) the executive&rsquo;s base salary in effect as of the date of termination, plus (ii) all bonus, profit
sharing and other annual incentive payments made by Spirit within the year prior to the date of termination. In the event of termination
(without cause and without a change in control), Mr. Golemon and Ms. Johnson would be entitled to receive compensation equal to the sum
of: (a) the executive&rsquo;s accrued rights, as defined in their respective employment agreements, plus (b) 1.5 times the executive&rsquo;s
base salary, as defined in their respective employment agreements, in effect as of the date of termination. In addition, each executive
would be entitled to receive a lump sum equal to 18 months of continued life, health, accident and disability benefits.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Upon termination
of employment without cause or with good reason, each as defined in their employment agreements, within two years after the occurrence
of a change in control, the severance benefits for the four executive officers are increased. Messrs. Bass and McGuire would be entitled
to receive compensation equal to the sum of: (a) the executive&rsquo;s accrued rights, plus (b) an amount equal to 3.0 times the sum
of (i) the executive&rsquo;s base salary in effect as of the date of termination, plus (ii) all bonus, profit sharing and other annual
incentive payments made by Spirit within the year prior to the date of termination. Mr. Golemon and Ms. Johnson would be entitled to
receive compensation equal to the sum of: (a) the executive&rsquo;s accrued rights, plus (b) an amount equal to 1.5 times the sum of
(i) the executive&rsquo;s base salary in effect as of the date of termination, plus (ii) all bonus, profit sharing and other annual incentive
payments made by Spirit within the year prior to the date of termination. In addition, each executive would be entitled to receive a
lump sum equal to 18 months of continued life, health, accident and disability benefits. For an estimate of the amounts that would
be payable to each of Spirit&rsquo;s named executive officers under their employment agreements, see the section entitled &ldquo;<I>Merger-Related
Executive Compensation for Spirit&rsquo;s Named Executive Officers</I>.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the executives
are employed by Simmons following the completion of the merger, they would not be entitled to severance benefits under their employment
agreements with Spirit solely as a result of the merger. As of the date of this proxy statement/prospectus, Mr. Bass has amended
his employment agreement to provide for the severance benefits described in the section entitled &ldquo;&mdash;Employment Agreement
and <I>Restrictive Covenant Agreement with Dean O. Bass</I>.&rdquo; In addition, as of the date of this proxy statement/prospectus,
Mr. McGuire has agreed that any severance benefits to which he would be entitled under his current employment agreement will be
replaced by the benefits set forth in his retention agreement, subject to the completion of the merger, as described in the section
entitled &ldquo;&mdash;<I>Retention Agreement with David M. McGuire</I>.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Employment
Agreement and Restrictive Covenant Agreement with Dean O. Bass</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; "><FONT STYLE="font-size: 10pt">Dean
O. Bass, the Company&rsquo;s Chairman and Chief Executive Officer, is a party to an Executive Employment Agreement, dated February 25,
2021 with Spirit, as amended effective as of November 18, 2021 which we refer to as the Bass employment agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in; "><FONT STYLE="font-size: 10pt">In
addition to the benefits described in the section entitled &ldquo;Merger-Related Compensation for Spirit&rsquo;s Named Executive
Officers,&rdquo; the Bass employment agreement provides that the Company may terminate Mr. Bass&rsquo; employment for any
reason other than cause (as defined in the Bass employment agreement) by providing Mr. Bass with written notice of termination
to be effective prior to and in connection with a change in control at least five business days prior to the expected closing
of the change in control. The Bass employment agreement further provides for the form of release that will apply if Mr. Bass
is terminated as described in the previous sentence. Such release provides that the Company will terminate Mr. Bass&rsquo;
employment immediately prior to the effective time of the merger and, subject to the terms and conditions of the release, upon
such termination, Mr. Bass will receive the following severance package in exchange for a release of all claims against the
Company arising out of their relationship: (i) a lump sum payment equivalent to 3.0 times the sum of (1) his base salary
as of the termination date, plus (2) an amount equal to all bonus, profit sharing, and other annual </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">incentive payments made in
the year prior to the termination date, and (ii) a lump sum cash payment equal to the cost to obtain, net of taxes, for 18
months, each life, health, accident, and disability benefit to which Mr. Bass was entitled immediately prior to the termination
date. In addition, Mr. Bass is also entitled to a transaction bonus, subject to the terms and conditions of the Restrictive
Covenant Agreement with Spirit, effective as of November 18, 2021, which we refer to as the restrictive covenant agreement
(as described below).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: 0.5in; "><FONT STYLE="font-size: 10pt">In
connection with the execution of the amendment of the Bass employment agreement, Mr. Bass also entered into the restrictive
covenant agreement. In accordance with the terms of the restrictive covenant agreement, Mr. Bass shall not engage in certain
restrictive activities for a period of three years after the completion of a change in control that occurs during the term
of the restrictive covenant agreement, which runs from November 18, 2021 until November 18, 2023. The restrictive activities include,
but are not limited to, (x) competing or engaging anywhere in the restricted area, in a financial services business similar
to that of the group, and (y) soliciting certain customers and employees of the group. The restricted area is defined as
any of those counties in Texas listed in the restrictive covenant agreement and any other county in which Spirit has established
a branch office. The group is defined in the restrictive covenant agreement as the surviving entity in a change in control and
its affiliates. As consideration for the restrictions contained in the restrictive covenant agreement, Spirit has agreed to pay
to Mr. Bass a transaction bonus in the amount of $2,000,000, which we refer to as the transaction bonus, payable in a lump sum
within ten business days following the effective time of a change in control, as defined in the restrictive covenant agreement,
that occurs during the term of such agreement. The transaction bonus will be subject to applicable taxes and withholding. The
foregoing descriptions of the amendment and restrictive covenant agreement do not purport to be complete and are qualified in
their entirety by the amendment and restrictive covenant agreement, which are attached as Exhibits 10.1 and 10.2 to Spirit&rsquo;s
Current Report on Form 8-K filed with the SEC on November 24, 2021.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Retention
Agreement with David M. McGuire</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In connection
with the execution of the merger agreement, Simmons entered into an Associate Retention, Nondisclosure and Restrictive Covenant Agreement
with David M. McGuire, Spirit&rsquo;s President and Chief Lending Officer, to be effective upon the effective time, which we refer to
as the retention agreement. Under the terms of the retention agreement, Mr. McGuire will receive (x) a base salary of $580,000, (y) a
cash retention bonus equal to $2,000,000, which we refer to as the retention bonus, that will paid in four payments as follows: (1) 50%
on the first payroll date after the effective time, (2) 16.66% on the first payroll date after the first anniversary of the effective
time, (3) 16.67% on the first payroll date after the second anniversary of the effective time, and (4) 16.67% on the first payroll date
after the third anniversary of the effective time, provided that in all cases except (i) termination by Simmons without cause, and (ii)
the event of death, disability or resignation by Mr. McGuire for good reason, Mr. McGuire must be employed by Simmons on such payment
dates, each of which we refer to as a payment date, and (z) an award of restricted stock units of Simmons in an amount equal to $610,000.
The restricted stock units will vest only if Mr. McGuire continues to be employed with Simmons as follows: (a) 25% on each of the first
and second anniversaries of the grant date, and (b) the remaining 50% on the third anniversary of the grant date. If Mr. McGuire is terminated
by Simmons without cause, as defined in the retention agreement, and prior to any payment date, he will be entitled to receive the unpaid
portion of the retention bonus. If Mr. McGuire resigns without good reason or is terminated by Simmons with cause, Mr. McGuire will not
receive any unpaid portion of the retention bonus. In the event of death, disability or resignation for good reason, Mr. McGuire will
be entitled to receive the unpaid portion of the retention bonus. Mr. McGuire will also be subject to certain customary non-solicitation
and non-competition restrictions for a period of three years after his separation from service. Simmons Bank has offered Mr. McGuire
an executive vice president role following the closing of the merger.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Treatment
of Restricted Stock Units and Other Stock Awards</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger agreement
provides that at the effective time, any outstanding Spirit RSUs will fully vest and will be cancelled and converted into the right to
receive the per share merger consideration. Accordingly, restricted stock units will be treated as if they are shares of Spirit common
stock in the merger. The Spirit directors and Spirit executives collectively own 134,309 Spirit RSUs as of the record date.
Based on the assumed exchange ratio of 1.0118842 shares of Simmons common stock and that an assumed price per share of Simmons
common stock of $29.97 (the average closing market price of Simmons common stock over the first five business days following the
first public announcement of the merger on November 19, 2021, as required by Item 402(t)), the aggregate implied value of the Spirit
RSUs held by Spirit directors and Spirit executives is $4,073,077.50. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement provides that at the effective time, each unexercised Spirit stock option, whether vested or unvested, outstanding immediately
prior to the effective time, will be canceled and converted into the right to receive from Simmons a cash payment equal to the
difference, if positive, between (1) the fully diluted per share value and (2) the exercise price of such Spirit stock option.
It is expected that, prior to the effective time, the Spirit board of directors (or a committee thereof) will accelerate the
vesting of all Spirit stock options and give the holders thereof notice and an opportunity to exercise their Spirit stock options.
This opportunity to exercise will apply to all outstanding Spirit stock options, including those Spirit stock options for which the vesting is accelerated by Spirit&rsquo;s board
of directors (or a committee thereof). </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Indemnification
and Insurance</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement provides that, for six years after the effective time, Simmons will indemnify, defend and hold harmless each of the
present and former directors or officers of Spirit and its subsidiaries against all liabilities incurred in connection with any
actual or threatened litigation arising out of or pertaining to the fact that such person is or was a director or officers of
the Spirit entities, or at a Spirit entity&rsquo;s request, of another corporation, partnership, joint venture, trust or other
enterprise and pertaining to matters, acts or omissions existing or occurring at or prior to the effective time to the fullest
extent permitted under the Spirit charter and the Spirit bylaws in effect as of the date
of the merger agreement (or, in the case of the Spirit bylaws, as in effect as of the effective time) (and subject to applicable
law), including provisions relating to the advancement of expenses incurred in the defense of any such litigation; provided,
that the indemnified party to whom expenses are advanced provides a written undertaking to repay such advances if it is ultimately
determined that such indemnified party is not entitled to indemnification.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; "><I>Support
and Non-Competition Agreements</I> </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; ">Simmons
has entered into voting agreements with each of the Spirit directors and Spirit named executive officers pursuant to which
each Spirit director and Spirit named executive officer agrees to vote in favor of the merger proposal. In addition, each of the
voting agreements provide, among other things, that each director will be subject to certain non-competition and non-solicitation obligations
for a period of two years after the effective time. The support agreement for Mr. McGuire provides, among other things, that he
will be subject to certain non-competition and non-solicitation obligations for a period of two years after
the effective time. The voting agreements for Mr. Golemon and Ms. Johnson provides, among other things, that Mr. Golemon and Ms.
Johnson will be subject to certain non-competition and non-solicitation obligations for a period of one year
after the effective time. The voting agreement for Mr. Bass does not contain any non-competition or non-solicitation obligations,
as such obligations are addressed in his restrictive covenant agreement. If the merger agreement is terminated prior to the completion
of the merger, the voting agreements will also be terminated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Employee
Benefit Plans</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement provides that for a period of one year following the effective time, employees
of Spirit and its subsidiaries, while employed by Simmons, generally will
be eligible to receive benefits that are on
terms and conditions which are, in the aggregate, substantially comparable to those provided by Simmons entities </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">to
their similarly situated employees. Covered employees will generally receive
credit for prior service with Spirit</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"> and its subsidiaries for purposes of determining eligibility to participate and vesting under
Simmons benefit plans and for purposes of determining entitlement to paid time off under Simmons paid time off program, subject
to certain specified exceptions. The merger agreement provides that the continued participation
of Spirit employees in the Spirit benefit plans following the closing date will satisfy this obligation of Simmons.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_040"></A>Merger-Related
Compensation for Spirit&rsquo;s Named Executive Officers</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: .5in"><FONT STYLE="font-size: 10pt">The
table below sets forth the information required by Item 402(t) of Regulation S-K promulgated by the SEC, which we refer to as
Item 402(t), regarding certain compensation that will or may be paid or become payable to each of Spirit&rsquo;s named executive
officers (as identified in accordance with SEC regulations) and that is based on, or otherwise relates to, the merger, which we
refer to in this section as merger-related compensation. The merger related compensation payable to these individuals is the subject
of a non-binding advisory vote of Spirit shareholders as described in the section entitled &ldquo;The Spirit Proposals&mdash;Proposal
2: Advisory Proposal on Specified Compensation.&rdquo; The amounts listed below are estimates based on the following assumptions:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The effective time of the
merger occurs on December 2, 2021 (which is the assumed date solely for purposes of this disclosure);</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Each
                                            named executive officer experiences a termination of employment at such effective time that
                                            would cause such named executive officer to become eligible for severance payments under
                                            his or her respective agreements;</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The named executive officer&rsquo;s
base salary and target short-term incentive opportunity remain unchanged from those in place as of December 2, 2021;</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The equity awards of Spirit
held by each named executive officer are outstanding as of December 2, 2021; and</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The
                                         price per share of Simmons common stock at the effective time is $29.97 (the average
                                         closing market price of Simmons common stock over the first five business days following
                                         the first public announcement of the merger on November 19, 2021, as required by Item
                                         402(t)).</FONT></TD>
</TR></TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: .5in"><FONT STYLE="font-size: 10pt"></FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
amounts in the tables below do not include amounts that Spirit&rsquo;s named executive officers were already entitled to receive
or vested in as of the date of this proxy statement/prospectus. In accordance with SEC guidance, the amounts in the table below
do not include any amounts that may become payable under the retention agreement with Mr. McGuire, as described in the section
entitled &ldquo;<I>Interests of Spirit&rsquo;s Directors and Executive Officers in the Merger</I>.&rdquo; The calculations in
this table also do not include compensation actions that may occur after the date of this proxy statement/prospectus but before
the effective time of the merger (including any additional equity award grants, issuances or forfeitures that may occur, or future
dividends or dividend equivalents that may be accrued, after the date of this proxy statement/prospectus but before the effective
time of the merger). It is not currently expected that the payments reflected in the table below will trigger the negative tax
consequences under Sections 280G and 4999 of the Code. As a result of the foregoing assumptions, which may or may not actually
occur or be accurate on the relevant date, including the assumptions described in the footnotes to the table, the actual amounts,
if any, to be received by a named executive officer may materially differ from the amounts set forth below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
refer to payments and benefits that arise solely as a result of the completion of the merger as single trigger and to payments
and benefits that require two conditions, which are the consummation of the merger and a qualifying termination of employment,
as double trigger.</FONT></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Named Executive Officer</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Cash</B><BR> <B>($)<SUP>(1)</SUP></B></FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Equity</B><BR> <B>($)<SUP>(2)</SUP></B></FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Perquisites/</B><BR> <B>Benefits</B><BR> <B>($)<SUP>(3)</SUP></B></FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total<BR> ($)</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 28%; text-align: left">Dean O. Bass</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">5,150,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right"> 2,945,946 </TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">81,817</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right"> 8,177,763 </TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left">David M. McGuire</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,045,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><P STYLE="margin: 0"> 3,077,053 </P>


</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">108,188</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"> 6,230,241 </TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Jerry D. Golemon</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">682,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"> 1,261,200 </TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">56,704</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"> 2,000,404 </TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left">Allison S. Johnson</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">607,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"> 330,649 </TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">68,028</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"> 1,006,177 </TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD><FONT STYLE="font-size: 10pt">The amounts reflect cash
severance benefits, payable in a single lump sum, equal to the sum of the product of (a) a multiple (3.0 for Mr. Bass, 3.0 for
Mr. McGuire, 1.5 for Mr. Golemon and 1.5 for Ms. Johnson), times (b) the sum of (i) the executive&rsquo;s annual base salary in
effect just prior to the date of termination and (ii) all bonus, profit sharing and other incentive payments made to the executive
with respect to the most recent full year preceding the year in which the date of termination occurs. In addition, the amount
for Mr. Bass reflects the $2,000,000 he is entitled to receive under his restrictive covenant agreement. These payments are double-trigger,
as they will only be payable in the event of a qualifying termination within two years following the effective time of the merger.
Payment of such cash severance is conditioned upon the executive executing a general waiver and release.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD><FONT STYLE="font-size: 10pt">Upon
                                            the closing, all Spirit RSUs held by the named executive officers will accelerate and will
                                            entitle the named executive officers to the same per share merger consideration that all
                                            other shares of Spirit common stock are entitled to receive in the merger. The calculations
                                            assume that the value of the per share merger consideration is $31.21 per share, which
                                            is the product of (a) the quotient obtained by dividing (x) 18,325,000, which is the aggregate
                                            number of shares of Simmons common stock that Spirit shareholders are entitled to receive
                                            in the merger, by (y) 17,597,348, which is the number of shares of Spirit common stock and
                                            Spirit RSUs outstanding as of December 2, 2021, multiplied by (b) $29.97, the average
                                            closing price of Simmons common stock. Upon the closing, any Spirit stock options that
                                            are outstanding and unexercised immediately prior to the effective time will be entitled
                                            to receive a cash payment. The value of the stock options is based on a per share price of
                                            $29.97, the average closing price of Simmons common stock, less the exercise price
                                            of such Spirit stock option. The estimated payments in respect of the unvested Spirit RSUs
                                            are &ldquo;single-trigger&rdquo; benefits in that their vesting will accelerate and they
                                            will be converted into per share merger consideration at the effective time pursuant to the
                                            terms of the merger agreement.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 60%; font: 10pt Times New Roman, Times, Serif; margin-bottom: 12pt">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Spirit RSUs</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Spirit Options</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 34%; text-align: left; padding-left: 5.4pt">Dean O. Bass</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right"> 1,075,106 </TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right"> 1,870,840 </TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left; padding-left: 5.4pt">David M. McGuire</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> 1,029,679 </TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> 2,047,374 </TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 5.4pt">Jerry D. Golemon</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> 560,267 </TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> 700,933 </TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left; padding-left: 5.4pt">Allison S. Johnson</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> 327,347 </TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"> 3,302 </TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>








<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="font-size: 10pt">(3)</FONT></TD><TD><FONT STYLE="font-size: 10pt">The
                                            amounts reflect, for each named executive officer, the sum of (i) the estimated value of
                                            Spirit&rsquo;s cost to obtain benefits equal in value to each life, health, accident or disability
                                            benefit to which the executive is entitled immediately before the date of termination for
                                            18 months after the date of termination, and (ii) subject to approval by the Spirit
                                            board of directors, certain other ancillary benefits. These benefits are double-trigger,
                                            as they will only be payable in the event of a qualifying termination within two years following
                                            the effective time of the merger. Payment of such benefits is conditioned upon the executive
                                            executing a general waiver and release.</FONT></TD>
</TR></TABLE>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Medical <BR>
(18 Mos.)</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Cell Phone</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Country <BR>
Club</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Car <BR>
Allowance</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 50%; text-align: left">Dean O. Bass</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; text-align: right">34,010</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; text-align: right">4,500</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; text-align: right">28,341</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; text-align: right">14,966</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; text-align: right">81,817</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left">David M. McGuire</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">46,037</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">50,230</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,421</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">108,188</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Jerry D. Golemon</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,428</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,700</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,697</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14,880</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">56,704</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; ">
    <TD STYLE="text-align: left">Allison S. Johnson</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">30,607</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,700</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16,722</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">18,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">68,028</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>



<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_041"></A>Regulatory Approvals
Required for the Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The completion
of the merger is subject to prior receipt of certain approvals and consents required to be obtained from applicable governmental
and regulatory authorities, without materially burdensome conditions or requirements being imposed by any governmental authority
as part of a regulatory approval. These approvals include approval from, among others, the Federal Reserve, and state regulatory
authorities.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject
to the terms of the merger agreement, both Simmons and Spirit have agreed to cooperate with each other and use their reasonable
best efforts to prepare all documentation, to effect all applications, notices, petitions and filings, and to obtain all permits
and consents of all regulatory authorities and third parties that are necessary or advisable to consummate the transactions contemplated
by the merger agreement, including the merger. Simmons and Spirit have filed applications and notifications to obtain the required
regulatory approvals, consents and waivers.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>Federal
Reserve</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
of Spirit with and into Simmons requires the approval of the Federal Reserve under the BHC Act. Simmons plans to submit to the
Federal Reserve a request for waiver of this approval requirement with respect to the merger. If the Federal Reserve does not
grant this waiver request, Simmons will be required to submit an application under Section 3 of the BHC Act to consummate the
merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">When acting
on applications under Section 3 of the BHC Act, the Federal Reserve is required by statute and under its regulations to consider
a number of factors. These factors include, but are not limited to, the following: (i) the financial and managerial resources
(including consideration of the competence, experience and integrity of the officers, directors and principal shareholders, as
well as the pro forma capital ratios) and future prospects of the combined organization; (ii) the supervisory records of the parties
and compliance with federal banking laws and regulations (specifically including the effectiveness of the applicant in combatting
money laundering); (iii) the ways in which the transaction would satisfy the convenience and needs of the communities served by
the parties; (iv) the effect of the transaction on the concentration of deposits on a nationwide basis; (v) the extent to which
the transaction would result in greater or more concentrated risks to the stability of the U.S. banking or financial system; (vi)
the effect of the transaction on competition or on the concentration of resources in any banking market; and (vii) the record
of performance of each of Simmons Bank and Spirit Bank in meeting the credit needs of the respective communities that they serve,
including low and moderate income neighborhoods within such communities, under the Community Reinvestment Act. As of their most
recent Community Reinvestment Act examinations, Simmons Bank and Spirit Bank each had Community Reinvestment Act ratings of &ldquo;satisfactory.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The bank
merger is also subject to review and approval by the Federal Reserve under Section 18(c) of the Federal Deposit Insurance Act,
which we refer to as the Bank Merger Act, and the Riegle-Neal Interstate Banking and Branching Efficiency Act, which we refer
to as the Riegle-Neal Act. Simmons Bank plans to submit an application under the Bank Merger Act seeking the prior approval of
the Federal Reserve for the bank merger. With respect to an application filed under the Bank Merger Act, the Federal Reserve is
required to consider, among other factors: (i) whether the effect of the applicable transaction in any portion of the country
would substantially lessen competition, tend to create a monopoly, or otherwise retrain trade; (ii) the financial and managerial
resources and future prospects of the banking organizations, including the effect of the applicable transaction on such resources
(including capital and pro forma capital ratios of the combined organization and its management expertise, internal controls and
risk management systems); (iii) the supervisory records of the banking organizations, including records of compliance with Bank
Secrecy Act and anti-money laundering laws; (iv) the extent to which the applicable transaction would result in greater or more
concentrated risks to the stability of the U.S. banking or financial system; and (v) the effect of the transaction on the convenience
and needs of the communities served by the banking organizations, including consideration of the records of performance of the
relevant insured banking organizations under the Community Reinvestment Act. The Riegle-Neal Act imposes additional requirements,
including that the Federal Reserve determine that the resulting bank will be well capitalized and well managed upon the consummation
of the bank merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
is required to publish notice of its applications to the Federal Reserve and to provide the opportunity for public comment on
these applications. The Federal Reserve takes into account the views of third-party commenters, particularly on the subject of
the convenience and needs of the communities to be served. </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The Federal Reserve may upon request or upon its own initiative hold
a public hearing or meeting to clarify facts or issues raised by the applications in order to aid in the Federal Reserve&rsquo;s
decision-making process. Any hearing, meeting or comments provided by third parties could prolong the period during which the
applications are under review by the Federal Reserve.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Transactions
approved under the BHC Act or Bank Merger Act generally may not be completed until 30 days after the approval of the appropriate
federal banking agency is received (here, the Federal Reserve), during which time the Department of Justice, which we refer to
as the DOJ, may initiate legal action to prevent consummation of the transaction if the DOJ determines the transaction may have
a significantly adverse effect on competition. With the approval of the applicable federal agency and the concurrence of the DOJ,
the 30-day waiting period may be reduced to no less than 15 days. The commencement of an antitrust action would stay the effectiveness
of such an approval unless a court specifically ordered otherwise. In reviewing the merger, the DOJ could analyze the applicable
merger&rsquo;s effect on competition differently than the Federal Reserve, and thus it is possible that the DOJ could reach a
different conclusion than the Federal Reserve regarding the transaction&rsquo;s effects on competition. While Simmons and Spirit
do not know of any basis on which the DOJ would challenge regulatory approval by the Federal Reserve and believe that the likelihood
of such action is remote, there can be no assurance that the DOJ will not initiate such a proceeding, or if such a proceeding
is initiated, as to the result of any such challenge. A determination by the DOJ not to object to the merger may not prevent the
filing of antitrust actions by private persons or state attorneys general.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>State
of Arkansas</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">To complete
the bank merger, Simmons Bank is required to submit an application to, and receive approval of the bank merger from, the ASBD.
The ASBD will review the application to determine whether the bank merger complies with Arkansas law. Simmons Bank is required
to publish notice of its application to the ASBD and to provide the opportunity for public comment on the application. The ASBD
is required by law to hold a public hearing regarding the application. Any hearing, meeting or comments provided by third parties
could prolong the period during which the application is under review by the ASBD.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>State
of Texas</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">To complete
the bank merger, Simmons Bank is required to submit written notice to, and receive the consent for the bank merger from, the TDSML.
The TDSML requires that Simmons Bank notify the TDSML no less than 30 days prior to the proposed transaction and provide, among
other things, a copy of the applications submitted to the Federal Reserve under the Bank Merger Act and to the ASBD under Arkansas
law. The TDSML will be deemed to consent to the bank merger upon the TDSML&rsquo;s notification to Simmons Bank that it has accepted
a complete filing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>Additional
Regulatory Approvals and Notices</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notifications
and/or applications requesting approval may be submitted to various other federal and state regulatory authorities and self-regulatory
organizations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The approval
of any notice or application merely implies satisfaction of regulatory criteria for approval, and does not include review of the
merger from the standpoint of the adequacy of the consideration to be received by, or fairness to, shareholders. Regulatory approval
does not constitute an endorsement or recommendation of the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit believe that the merger does not raise significant regulatory concerns and that they will be able to obtain all requisite
regulatory approvals. Simmons and Spirit cannot assure you that all of the regulatory approvals described above will be obtained
and, if obtained, we cannot assure you as to the timing of any such approvals, our ability to obtain the approvals on satisfactory
terms or the absence of any litigation </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">challenging such approvals. No assurance can be given that the necessary regulatory approvals
will be received in time to effect the merger in the second quarter of 2022. In addition, there can be no assurance that such
approvals will not impose conditions or requirements that, individually or in the aggregate, would or could reasonably be expected
to have a material adverse effect on the financial condition, results of operations, assets or business of the combined company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit are not aware of any material regulatory approvals or actions that are required prior to the completion of the merger
other than those described in this proxy statement/prospectus. If any additional regulatory approvals or actions are required
other than those described in this proxy statement/prospectus, Simmons and Spirit presently intend to seek those approvals or
actions. However, Simmons and Spirit cannot assure you that any of these additional approvals or actions will be obtained.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_042"></A>Accounting Treatment</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
will be accounted for as an acquisition by Simmons using the acquisition method of accounting in accordance with FASB ASC Topic
805, &ldquo;Business Combinations.&rdquo; The result of this is that (1) the recorded assets and liabilities of Simmons will be
carried forward at their recorded amounts, (2) Simmons historical operating results will be unchanged for the prior periods being
reported on, and (3) the assets and liabilities of Spirit will be adjusted to fair value at the date Simmons assumes control of
the combined entity, or the merger date. In addition, all identifiable intangibles will be recorded at fair value and included
as part of the net assets acquired. The amount by which the purchase price, consisting of the value of shares of Simmons stock
to be issued to former Spirit shareholders, and the value of cash and shares of Simmons common stock to be issued to former holders
of Spirit equity awards, exceeds the fair value of the net assets including identifiable intangibles of Spirit at the merger date
will be reported as goodwill. In accordance with current accounting guidance, goodwill is not amortized and will be evaluated
for impairment at least annually. Identified intangibles will be amortized over their estimated lives. Further, the acquisition
method of accounting results in the operating results of Spirit being included in the operating results of Simmons from the closing
date going forward.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_043"></A>Public Trading
Markets</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
common stock is listed on Nasdaq under the symbol &ldquo;SFNC&rdquo; and Spirit common stock is listed on Nasdaq under the symbol
&ldquo;STXB.&rdquo; Upon completion of the merger, Spirit common stock will be delisted from Nasdaq and thereafter will be deregistered
under the Exchange Act. The Simmons common stock issuable in the merger will be listed on Nasdaq.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_044"></A>Dissenters&rsquo;
Rights in the Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>General</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If you
hold one or more shares of Spirit common stock, you have the right to dissent from the merger and have the appraised fair value
of your shares of Spirit common stock as of the date immediately prior to the closing date of the merger paid to you in cash under
Chapter 10, Subchapter H of the TBOC. The appraised fair value may be more or less than the value of the stock consideration being
paid in the merger in exchange for shares of Spirit common stock. If you are contemplating exercising your right to dissent, Spirit
urges you to read carefully the provisions of Chapter 10, Subchapter H of the TBOC, a copy of which is included with this document
as <U>Annex D</U>, and which qualify in all respects the following discussion of those provisions, and consult with your
legal counsel before electing or attempting to exercise these rights. The following discussion describes the steps you must take
if you want to exercise your right to dissent. You should read this summary and the full text of the law carefully.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>How
to Exercise and Perfect Your Right to Dissent</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">To be
eligible to exercise your right to dissent to the merger:</FONT></P>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">you
                                         must, prior to the Spirit special meeting, provide Spirit with a written objection to
                                         the merger that states that you intend to exercise your right to dissent if the merger
                                         agreement is approved and the merger is completed and that provides an address to which
                                         a notice of effectiveness of the merger should be delivered or mailed to you if the merger
                                         is completed; </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">you
                                         must vote your shares of Spirit common stock <B>AGAINST</B> approval of the Spirit merger
                                         proposal at the Spirit special meeting in person or by proxy; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">you
                                         must, not later than the 20th day after Simmons (which will be the ultimate successor
                                         to Spirit) sends you notice that the merger was completed, deliver to Simmons a written
                                         demand for payment of the fair value of the shares of Spirit common stock you own that
                                         states the number and class of shares of Spirit common stock you own, your estimate of
                                         the fair value of such stock and an address to which a notice relating to the dissent
                                         and appraisal procedures may be sent; and </FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">you
                                         must, not later than the 20th day after you make your demand for payment to Simmons as
                                         described above, submit your certificates representing Spirit common stock to Simmons.
                                         </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If you
intend to exercise your right to dissent from the merger, prior to the Spirit special meeting you must send the notice of objection
to Spirit, addressed to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt">Spirit
of Texas Bancshares, Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">1836 Spirit of
Texas Way</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Conroe, Texas
77301</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Attention: President
and Corporate Secretary</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If you
fail to send the written objection to the merger in the proper form and prior to the Spirit special meeting, to vote your shares
of Spirit common stock at the Spirit special meeting against the approval of the Spirit merger proposal or to submit your demand
for payment in the proper form and on a timely basis, you will lose your right to dissent from the merger. If you fail to submit
to Simmons on a timely basis your certificates formerly representing the shares of Spirit common stock after you have submitted
the demand for payment as described above, Simmons will have the option to terminate your right of dissent as to your shares of
Spirit common stock. In any instance of a termination or loss of your right of dissent, you will instead receive the per share
merger consideration as set forth in the merger agreement. If you comply with the first two items above and the merger is completed,
Simmons will send you a written notice advising you that the merger has been completed. Simmons must deliver this notice to you
within ten days after the merger is completed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Your
Demand for Payment</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If the
merger is completed, you have provided your written objection to the merger to Spirit in a timely manner and in proper form and
you have voted against the merger agreement at the Spirit special meeting as described above and you desire to receive the fair
value of your shares of Spirit common stock in cash, you must, within 20 days of the date on which Simmons sends to you the notice
of that the merger was completed, give Simmons a written demand for payment of the fair value of your shares of Spirit common
stock. The fair value of your shares of Spirit common stock will be the value of the shares on the day immediately preceding</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"> the
completion of the merger, excluding any appreciation or depreciation in anticipation of the merger. After the merger is completed,
your written demand and any notice sent to Simmons must be addressed to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt">Simmons
First National Corporation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">501 Main Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Pine Bluff, Arkansas 71601</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Attention: President and Secretary</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If your
written demand for payment in proper form is not received by Simmons within the requisite 20 day period, you will not be entitled
to receive a cash payment representing the fair value of your shares of Spirit common stock. Instead, you will receive shares
of Simmons common stock and cash as the per share merger consideration set forth in the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><I>Delivery
of Stock Certificates</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If you
have satisfied the requirements for the exercise of your right to dissent described above, including the delivery of the written
demand for payment to Simmons as described above, you must, not later than the 20th day after you make your written demand for
payment to Simmons, submit to Simmons your certificate or certificates formerly representing the shares of Spirit common stock
you own. You may submit those certificates with your demand for payment if you prefer. In accordance with the provisions of the
TBOC, Simmons will note on each such certificate that you have demanded payment of the fair value of the shares of Spirit common
stock that were represented by such certificate under the provisions of the TBOC relating to the rights of dissenting owners.
After making those notations on those certificates, Simmons will return each such certificate to you at your request. If you fail
to submit all of the certificates representing the shares of Spirit common stock for which you have exercised the right of dissent
in a timely fashion, Simmons will have the right to terminate your rights of dissent and appraisal with respect to all of your
shares of Spirit common stock unless a court, for good cause shown, directs Simmons not to terminate those rights.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><I>Simmons&rsquo;
Actions Upon Receipt of Your Demand for Payment</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Within
20 days after Simmons receives your written demand for payment and your estimate of the fair value of your shares of Spirit common
stock submitted as described above, Simmons must send you written notice stating whether or not it accepts your estimate of the
fair value of your shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If Simmons
accepts your estimate, Simmons will notify you that it will pay the amount of your estimated fair value within 90 days after the
effective date of the merger. Simmons will make this payment to you only if you have surrendered the share certificates representing
your shares of Spirit common stock, duly endorsed for transfer, to Simmons.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If Simmons
does not accept your estimate, Simmons will notify you of this fact and will make an offer of an alternative estimate of the fair
value of your shares that it is willing to pay you within 120 days after the effective date of the merger, which you may accept
within 90 days after the effective date of the merger or decline.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><I>Payment
of the Fair Value of Your Shares of Spirit Stock upon Agreement of an Estimate</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If you
and Simmons have reached an agreement on the fair value of your shares of Spirit common stock within 90 days after the effective
date of the merger, Simmons must pay you the agreed amount within 120 days after the date the merger is completed, provided that
you have surrendered the certificates formerly representing your shares of Spirit common stock, duly endorsed for transfer, to
Simmons.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Commencement
of Legal Proceedings if a Demand for Payment Remains Unsettled</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If you
and Simmons have not reached an agreement as to the fair market value of your shares of Spirit common stock within 90 days after
the effective date of the merger, you or Simmons may, within 60 days after the expiration of the 90-day period, commence proceedings
in Dallas County, Texas asking the court to determine the fair value of your shares of Spirit common stock. The court will determine
if you have complied with the provisions of the TBOC regarding your right of dissent and if you have become entitled to receive
payment for your shares of Spirit common stock. The court will appoint one or more qualified persons to act as appraisers to determine
the fair value of your shares in the manner prescribed by the TBOC. The appraisers will determine the fair value of your shares
and will report this value to the court. Once the appraisers&rsquo; report is filed with the court, you will receive a notice
from the court indicating that the report has been filed. You will be responsible for obtaining a copy of the report from the
court. If you or Simmons objects to the report or any part of it, the court will hold a hearing to determine the fair value of
your shares of Spirit common stock. Both you and Simmons may address the court about the report. The court will determine the
fair value of your shares and direct Simmons to pay that amount, plus interest, which will begin to accrue 91 days after the merger
is completed. The court may require you to share in the court costs relating to the matter to the extent the court deems it fair
and equitable that you do so.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: .5in"><FONT STYLE="font-size: 10pt"><I>Rights
as a Shareholder</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If you have
made a written demand on Simmons for payment of the fair value of your shares of Spirit common stock, you will not thereafter
be entitled to vote or exercise any other rights as a shareholder of Simmons, but will only have the right to receive payment
for your shares as described herein and the right to maintain an appropriate action to obtain relief on the ground that the merger
would be or was fraudulent. In the absence of fraud in the transaction, your right under the dissent provisions described herein
is the exclusive remedy for the recovery of the value of your shares of Spirit common stock or money damages with respect to the
merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><I>Withdrawal
of Demand</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">If you
have made a written demand on Simmons for payment of the fair value of your Spirit common stock, you may withdraw such demand
at any time before payment for your shares has been made or before a petition has been filed with a court for determination of
the fair value of your shares. If you withdraw your demand or are otherwise unsuccessful in asserting your dissenters&rsquo; rights,
you will be bound by the merger and you will have the same rights to receive of the per share merger consideration with respect
to your shares of Spirit common stock as you would have had if you had not made a demand for payment as to those shares, as well
as to participate to the appropriate extent in any dividends or distributions on the shares of Simmons common stock that may have
been paid to Simmons shareholders after the effective date of the merger. Such rights will, however, be subject to any change
in or adjustment to those shares made because of an action taken after the date your demand for payment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt"><I>Beneficial
Owners</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">Persons
who beneficially own shares of Spirit common stock that are held of record in the name of another person, such as a bank, broker,
trustee or other nominee, and who desire to have the right of dissent exercised as to those shares must act promptly to cause
the record holder of those shares to take the actions required under Texas law to exercise the dissenters&rsquo; rights with respect
to those shares. Only the persons in whose names shares of Spirit common stock are registered on the share transfer records of
Spirit may exercise the right of dissent and appraisal discussed above.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>U.S.
Federal Income Tax Consequences</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">See the
section entitled &ldquo;Material U.S. Federal Income Tax Consequences Relating to the Merger&rdquo; for a discussion on how the
federal income tax consequences of your action will change if you elect to dissent from the merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">You should
remember that if you return a signed proxy, but fail to provide instructions as to how your shares of Spirit common stock are
to be voted, you will be considered to have voted in favor of the merger agreement and you will not be able to assert dissenters&rsquo;
rights. You should also remember that if you otherwise vote at the Spirit special meeting in favor of the merger agreement, you
will not be able to assert dissenters&rsquo; rights.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">The foregoing
summary is not intended to be a complete statement of the procedures for exercising dissenters&rsquo; rights under the TBOC and
is qualified in its entirety by reference to the full text of Chapter 10, Subchapter H of the TBOC, a copy of which is included
with this document as <U>Annex D</U>. Spirit urges any Spirit shareholder wishing to exercise dissenters&rsquo; rights, if any,
to read this summary and the TBOC provisions carefully, and to consult legal counsel before attempting to exercise dissenters&rsquo;
rights. Failure to comply strictly with all of the procedures set forth in of Chapter 10, Subchapter H of the TBOC may result
in the loss of your statutory dissenters&rsquo; rights.</FONT></P>




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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_045"></A>THE
MERGER AGREEMENT</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>The
following describes certain material provisions of the merger agreement, but does not describe all of the terms of the merger
agreement and may not contain all of the information about the merger agreement that is important to you. The following is not
intended to provide factual information about the parties or any of their respective subsidiaries or affiliates. The following
description of the merger agreement is subject to, and qualified in its entirety by reference to, the merger agreement, which
is attached to this proxy statement/prospectus as <U>Annex A</U> and is incorporated by reference into this proxy statement/prospectus.
We urge you to read the merger agreement carefully and in its entirety, as it is the legal document governing the merger.</I></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_046"></A>Structure of the
Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
the terms and subject to the conditions of the merger agreement, among other things, (i) Spirit will merge with and into Simmons,
with Simmons continuing as the surviving corporation in the merger, and (ii) immediately following the merger, Spirit Bank will
merge with and into Simmons Bank, with Simmons Bank continuing as the surviving bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>The
Per Share Merger Consideration</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based
on the assumptions set forth below, under the terms of the merger agreement, at the effective time, each share of Spirit common
stock that is issued and outstanding immediately prior to the effective time (except for shares of Spirit common stock held directly
or indirectly by Spirit or Simmons and any dissenting shares) will be converted into the right to receive the per share merger
consideration, composed of approximately 1.0105 shares of Simmons common stock. The per share merger consideration is based
on the assumption that (i) 17,261,959 shares of Spirit common stock are issued and outstanding (excluding treasury shares),
(ii) 435,676 shares of Spirit common stock are reserved for issuance upon the vesting of Spirit RSUs, (iii) 780,230 shares of Spirit common stock are subject to outstanding Spirit stock options with a weighted average exercise price of $14.65,
and (iv) 15,312 shares of Spirit common stock are subject to outstanding Spirit warrants with a weighted average exercise
price of $12.84, in each case, immediately prior to the effective time. In addition, the exchange ratio assumes that the
Simmons average closing price is equal to $32.08, which was the closing sales price of Simmons common stock on January
7, 2022. Changes in any of these assumptions will result in changes in the per share merger consideration. In the aggregate
and based on the assumptions set forth herein, Simmons will issue approximately 17,883,538 shares of Simmons common stock
to the Spirit shareholders upon completion of the merger, subject to certain conditions and potential adjustments under the merger
agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Fractional
Shares</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
will not issue any fractional shares of Simmons common stock in the merger. Instead, a Spirit shareholder who would otherwise
be entitled to receive a fraction of a share of Simmons common stock will receive, in lieu thereof, an amount in cash, rounded
up to the nearest whole cent (without interest), determined by multiplying (i) the fraction of a share (rounded to the nearest
thousandth when expressed as a decimal form) of Simmons common stock that such holder would otherwise be entitled to receive by
(ii) the Simmons average closing price.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_047"></A>Treatment of Spirit
Equity Rights</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the
effective time, each Spirit RSU will fully vest and be canceled and converted into the right to receive the per share merger consideration,
treating the Spirit RSUs as if they are shares of Spirit common stock for such purposes.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the effective
time of the merger, each Spirit stock option that is outstanding and unexercised immediately prior to the effective time
will be canceled and converted into the right to receive from Simmons a Spirit stock option payout equal to the applicable Spirit
stock option amount. Notwithstanding the foregoing, any Spirit stock option that is outstanding and unexercised immediately
prior to the effective time with an option exercise price that equals or exceeds the fully diluted per share value will be
canceled with no consideration being paid to the optionholder with respect to such Spirit stock option. Simmons and Spirit will
work cooperatively to facilitate the Spirit stock option payouts. Pursuant to the merger agreement, the Spirit board of directors
or any committee thereof, prior to the effective time, must adopt such resolutions or take any actions necessary to effectuate
the Spirit stock option payouts. It is expected that, prior to the effective time, the Spirit board of directors (or a committee
thereof) will accelerate the vesting of all Spirit stock options and give the holders thereof notice and an opportunity to exercise
their Spirit stock options. This opportunity to exercise will apply to all outstanding Spirit stock options, including those Spirit stock options for which the vesting is accelerated
by Spirit&rsquo;s board of directors (or a committee thereof). </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the
effective time, each Spirit warrant, will be canceled and converted into the right to receive from Simmons a Spirit warrant payout
equal to the applicable Spirit warrant amount, all in accordance with the warrant cancellation agreements. Notwithstanding the
foregoing, any Spirit warrant with a warrant exercise price that equals or exceeds the fully diluted per share value will be canceled
with no consideration being paid to the Spirit warrant holder with respect to such Spirit warrant. Simmons and Spirit will work
cooperatively to facilitate the Spirit warrant payouts. Pursuant to the merger agreement, the Spirit board of directors or any
committee thereof, prior to the effective time, must adopt such resolutions or take any actions necessary to effectuate the Spirit
warrant payouts and to ensure there are no outstanding Spirit warrants at the effective time.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_048"></A>Potential Adjustment
to Stock Consideration</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the
number of shares of Simmons common stock outstanding changes as a result of a stock split, stock dividend, or recapitalization
or similar corporate action with respect to such stock prior to the effective time, then the aggregate merger consideration will
be equitably and proportionately adjusted, if necessary and without duplication, to fully effect such change. If the aggregate
cash consideration less the sum of all stock option payouts, which we refer to as the aggregate stock option payout, and all warrant
payouts, which we refer to as the aggregate warrant payout, is less than $0, then the aggregate cash consideration will be increased
such that difference between the aggregate cash consideration and the aggregate stock option payout and the aggregate warrant
payout equals $0, and the stock consideration will be decreased by an amount of shares of Simmons common stock equal to the quotient
of such aggregate cash consideration increase divided by the average closing price (for the avoidance of doubt, if the quotient
includes a fractional share, then the quotient will be rounded up to the next whole share).</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_049"></A>Surviving Corporation
Governing Documents, Directors and Officers</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At the
effective time, the Simmons charter and the Simmons bylaws in effect immediately prior to the effective time will be the articles
of incorporation and bylaws of the surviving corporation, until the same be duly amended or repealed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The directors
and officers of Simmons immediately prior to the effective time will serve as the directors and officers of the surviving corporation
from and after the effective time in accordance with the bylaws of the surviving corporation, except that Simmons expects to have Dean
Bass, Chairman and CEO of Spirit, join the Simmons board of directors shortly following the closing of the merger as an independent director.
</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_050"></A>Closing and Effective
Time</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
will be completed only if all conditions to the merger discussed in this proxy statement/prospectus and set forth in the merger
agreement are either satisfied or waived (subject to applicable law). See the section entitled &ldquo;&mdash;Conditions to Consummation
of the Merger&rdquo; below.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
will become effective as of the date and time specified in the articles of merger as duly filed with the Secretary of State of
the State of Arkansas and the certificate of merger as duly filed with the Secretary of State of the State of Texas.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In the
merger agreement, we have agreed to cause the effective time to occur by the later of (1) April 8, 2022 and (2) a date within
30 days following the satisfaction or waiver (subject to applicable law) of the last of the conditions specified in the merger
agreement to occur as determined by Simmons, or on another mutually agreed date. It currently is anticipated that the effective
time will occur in the second quarter of 2022, subject to the receipt of regulatory approvals and waivers and other customary
closing conditions, but we cannot guarantee when or if the merger will be completed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As described
below, if the merger is not completed by November 30, 2022, either Simmons or Spirit may choose to terminate the merger agreement
at any time after such date if the failure of the effective time to occur on or before such date is not caused by any breach of
the merger agreement by the party electing to terminate the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_051"></A>Conversion of
Shares&#894; Exchange Procedures</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The conversion
of Spirit common stock into the right to receive the per share merger consideration will occur automatically at the effective
time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At or
promptly after the effective time, Simmons will deposit with its transfer agent, or another exchange agent acceptable to Simmons,
which we refer to as the exchange agent, (1) certificates or evidence of Simmons common stock in book-entry form equal to the
stock consideration and (2) funds equal to the cash payable in lieu of fractional shares and after the effective time, if applicable,
any dividends or distributions which the Spirit shareholders have the right to receive under the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As soon
as reasonably practicable after the effective time, the exchange agent will mail to holders of record of Spirit common stock and
Spirit restricted stock units immediately prior to the effective time transmittal materials, which such shareholder may complete
in accordance with the instructions thereto and deliver together with the proper surrender of a certificate, if applicable, to
the exchange agent in exchange for the per share merger consideration, any cash in lieu of fractional shares of Simmons common
stock, and any dividends or distributions such shareholder is entitled to receive under the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Withholding</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons,
the surviving corporation or the exchange agent, as applicable, will be entitled to deduct and withhold from the per share merger
consideration, Spirit stock option payouts, Spirit warrant payouts and any other amounts or property otherwise payable or distributable
to any person pursuant to the merger agreement to any person, such amounts or property (or portions thereof) as it is required
to deduct and withhold under the Code, and the rules and regulations promulgated thereunder, or any provision of applicable tax
law. Any amounts so deducted, withheld or remitted will be treated for all purposes of the merger agreement as having been paid
to the person in respect of which such deduction and withholding was made.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Dividends
and Distributions</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Whenever
a dividend or other distribution is declared by Simmons on Simmons common stock, with a record date after the effective time,
the declaration will include dividends or other distributions on all whole shares of Simmons common stock issuable pursuant to
the merger agreement, but such dividends or other distributions will not be paid to the holder thereof until such shareholder
has duly surrendered its certificate in accordance with the merger agreement. Following surrender of any such certificate (or
affidavit or loss and other documentation required by the exchange agent or surviving corporation under the merger agreement in
lieu thereof), the record </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">holder of the whole shares of
Simmons common stock issued in exchange therefor, will be paid, without interest, (1) all dividends and other distributions
payable in respect of any such whole shares of Simmons common stock with a record date after the effective time and a payment
date on or prior to the date of such surrender and not previously paid and (2) at the appropriate payment date, the amount of
dividends or other distributions with a record date after the effective time but prior to such surrender and with a payment
date subsequent to such surrender payable with respect to such shares of Simmons common stock.</FONT></P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_052"></A>Representations
and Warranties</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement contains representations and warranties made, on the one hand, by Spirit to Simmons and, on the other hand, by Simmons
to Spirit, which were made only for purposes of the merger agreement and as of specific dates. The representations, warranties
and covenants in the merger agreement were made solely for the benefit of the parties to the merger agreement, may be subject
to limitations agreed upon by the contracting parties, including being qualified by confidential disclosures made for the purposes
of allocating contractual risk between the parties to the merger agreement instead of establishing these matters as facts, and
may be subject to standards of materiality applicable to the contracting parties that differ from those generally applicable to
investors. Investors are not third-party beneficiaries under the merger agreement, and in reviewing the representations, warranties
and covenants contained in the merger agreement or any descriptions thereof in this summary, it is important to bear in mind that
such representations, warranties and covenants or any descriptions thereof were not intended by the parties to the merger agreement
to be characterizations of the actual state of facts or condition of Simmons, Spirit or any of their respective subsidiaries or
affiliates. Moreover, information concerning the subject matter of the representations, warranties and covenants may change after
the date of the merger agreement, which subsequent information may or may not be fully reflected in Simmons&rsquo; public disclosures.
The representations and warranties contained in the merger agreement do not survive the effective time. For the foregoing reasons,
the representations, warranties and covenants or any descriptions of those provisions should not be read alone or relied upon
as characterizations of the actual state of facts or conditions of Simmons or Spirit or any of their respective subsidiaries or
affiliates. Instead, such provisions or descriptions should be read in conjunction with the other information provided elsewhere
in this proxy statement/prospectus or incorporated by reference into this proxy statement/prospectus and the other information
contained in the reports, statements and filings that Simmons publicly files with the SEC. For more information regarding these
documents, please see the section entitled &ldquo;Where You Can Find More Information.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In the
merger agreement, Spirit has made customary representations and warranties to Simmons with respect to, among other things:</FONT></P>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         due organization, valid existence, good standing and power and authority of Spirit and
                                         Spirit Bank&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit&rsquo;s
                                         authority to enter into the merger agreement and to complete the transactions contemplated
                                         thereby (subject to the Spirit shareholder approval) and the enforceability of the merger
                                         agreement against Spirit in accordance with its terms&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of conflicts with or breaches of Spirit&rsquo;s or its subsidiaries&rsquo; governing
                                         instruments, certain agreements or applicable laws as a result of entering into the merger
                                         agreement and the consummation of the transactions contemplated by the merger agreement&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         required consents of regulatory authorities in connection with the transactions contemplated
                                         by the merger agreement&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         capitalization of Spirit and Spirit Bank, including in particular the number of shares
                                         of Spirit common stock issued and outstanding&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">ownership
                                         of subsidiaries&#894;</FONT></TD></TR></TABLE>

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                                         filed with regulatory authorities&#894;</FONT></TD></TR></TABLE>

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                                         matters&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">books
                                         and records;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of liabilities other than those liabilities incurred in the ordinary course since
                                         December 31, 2020, in connection with the merger agreement and the transactions contemplated
                                         thereby, or accrued or reserved against the consolidated balance sheet of Spirit as of
                                         December 31, 2020;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of certain changes or events&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">tax
                                         matters;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         assets of Spirit and its subsidiaries&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">intellectual
                                         property and privacy matters;</FONT></TD></TR></TABLE>


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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">environmental
                                         matters;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">compliance
                                         with laws, consents, orders and material permits;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">compliance
                                         with the Foreign Corrupt Practices Act of 1977, as amended, and anti-money laundering
                                         laws;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">performance
                                         under the Community Reinvestment Act;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">labor
                                         relations&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">matters
                                         relating to employee benefit plans and ERISA&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">matters
                                         with respect to Spirit&rsquo;s material contracts&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">agreements
                                         with regulatory authorities&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">investment
                                         securities&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">derivative
                                         instruments and transactions entered into for the account of Spirit and its subsidiaries
                                         or for the account of a customer of Spirit or its subsidiaries&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">legal
                                         proceedings&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         accuracy of the information supplied by Spirit in this proxy statement/prospectus&#894;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         inapplicability of state anti-takeover statutes&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">receipt
                                         by the Spirit board of directors of the opinion from Spirit&rsquo;s financial advisor&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         lack of action by Spirit that is reasonably likely to prevent the merger from qualifying
                                         as a reorganization within the meaning of Section 368(a) of the Code, or materially impede
                                         or delay receipt of any of the requisite regulatory approvals&#894;</FONT></TD></TR></TABLE>

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                                         matters;</FONT></TD></TR></TABLE>

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losses;</FONT></TD>
</TR></TABLE>



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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">insurance
                                         matters;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of sanctions imposed by the U.S. Department of the Treasury&rsquo;s Office of
                                         Foreign Assets Control;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of undisclosed brokers&rsquo; fees and expenses&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">transactions
                                         with affiliates and insiders; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">neither
                                         Spirit nor any subsidiary being required to register with the SEC as an investment advisor
                                         or broker-dealer, or conducting insurance operations.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0in"><FONT STYLE="font-size: 10pt">In
the merger agreement, Simmons made customary representations and warranties to Spirit with respect to, among other things:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0in">&nbsp;</P>





<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         due organization, valid existence, good standing and power and authority of Simmons and
                                         Simmons Bank&#894;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons&rsquo;
                                         authority to enter into the merger agreement and to complete the transactions contemplated
                                         thereby and the enforceability of the merger agreement against Simmons in accordance
                                         with its terms&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of conflicts with or breaches of Simmons&rsquo; or its subsidiaries&rsquo; governing
                                         instruments, certain agreements or applicable laws as a result of entering into the merger
                                         agreement and the consummation of the transactions contemplated by the merger agreement&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         required consents of regulatory authorities in connection with the transactions contemplated
                                         by the merger agreement&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         capitalization of Simmons, including in particular the number of shares of Simmons common
                                         stock issued and outstanding&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">ownership
                                         of subsidiaries&#894;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reports
                                         filed with regulatory authorities&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">financial
                                         matters&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">SEC
                                         filings, including financial statements contained therein;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of liabilities other than those liabilities incurred in the ordinary course of
                                         business since December 31, 2020, in connection with the merger agreement and the transactions
                                         contemplated thereby, or accrued or reserved against the consolidated balance sheet of
                                         Simmons as of December 31, 2020;</FONT></TD></TR></TABLE>

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                                         absence since December 31, 2020 of an event that has had a material adverse effect on
                                         Simmons&#894;</FONT></TD></TR></TABLE>

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                                         matters;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">compliance
                                         with laws, orders and permits;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">legal
                                         proceedings&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the accuracy of the information
supplied by Simmons in this proxy statement/prospectus&#894;</FONT></TD>
</TR></TABLE>



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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         lack of action by Simmons that is reasonably likely to prevent the merger from qualifying
                                         as a reorganization within the meaning of Section 368(a) of the Code, or materially impede
                                         or delay receipt of any of the requisite regulatory approvals&#894; and</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of undisclosed brokers&rsquo; fees and expenses.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The representations
and warranties in the merger agreement do not survive the effective time and, as described below under the section entitled &ldquo;&mdash;Effect
of Termination,&rdquo; if the merger agreement is validly terminated, the merger agreement will become void and have no effect
(except with respect to designated provisions of the merger agreement, including, but not limited to, those related to payment
of fees and expenses and the confidential treatment of information), unless a party breached the merger agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Many of
the representations and warranties in the merger agreement made by Spirit and Simmons are qualified by a materiality or material
adverse effect standard (that is, they will not be deemed to be untrue or incorrect unless their failure to be true or correct
is material or would result in a material adverse effect).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
the merger agreement, a &ldquo;material adverse effect&rdquo; is defined, with respect to a party and its subsidiaries, as any
fact, circumstance, event, change, effect, development or occurrence that, individually or in the aggregate together with all
other facts, circumstances, events, changes, effects, developments or occurrences, directly or indirectly, (i) has had or would
reasonably be expected to result in a material adverse effect on the condition (financial or otherwise), results of operation,
assets, liabilities or business of such party and its subsidiaries taken as a whole or (ii) prevents or materially impairs the
ability of such party to timely consummate the transactions contemplated by the merger agreement; provided, that in the case of
the foregoing clause (i), a material adverse effect will not be deemed to include effects to the extent resulting from the following
(except, in certain instances, to the extent that the effect of such change disproportionately affects such party and its subsidiaries,
taken as a whole, as compared to other companies in the industry in which such party and its subsidiaries operate, and provided
further that the application of Spirit&rsquo;s asset quality condition and regulatory capital condition is independent of the
definition of material adverse effect and the satisfaction or lack of satisfaction of the requirements therein is not determinative
of whether a material adverse effect has otherwise occurred):</FONT></P>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">changes
                                         after the date of the merger agreement in GAAP or applicable regulatory accounting requirements;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">changes
                                         after the date of the merger agreement in laws of general applicability to companies
                                         in the financial services industry;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">changes
                                         after the date of the merger agreement in global, national or regional political conditions
                                         or general economic or market conditions in the United States (and with respect to each
                                         of Spirit and Simmons, in the respective markets in which they operate), including changes
                                         in prevailing interest rates, credit availability and liquidity, currency exchange rates,
                                         and price levels or trading volumes in the United States or foreign securities markets
                                         affecting other companies in the financial services industry;</FONT></TD></TR></TABLE>

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                                         the date of the merger agreement, general changes in the credit markets or general downgrades
                                         in the credit markets;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">failure,
                                         in and of itself, to meet earnings projections or internal financial forecasts, but not
                                         including any underlying causes thereof unless separately excluded under the merger agreement,
                                         or changes in the trading price of a party&rsquo;s common stock, in and of itself, but
                                         not including any underlying causes unless separately excluded under the merger agreement&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         public disclosure of the merger agreement and the impact thereof on relationships with
                                         customers or employees&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         outbreak or escalation of hostilities, declared or undeclared acts of war or terrorism&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">changes
                                         after the date of the merger agreement resulting from hurricanes, earthquakes, tornados,
                                         floods or other natural disasters or from any epidemic, pandemic, or outbreak of any
                                         disease or other public health event (including the COVID-19 pandemic and the implementation
                                         of any public health measures related to the COVID-19 pandemic) in the jurisdictions
                                         in which Spirit or Simmons Bank operate; or</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">actions
                                         or omissions taken with the prior written consent of the other party or expressly required
                                         by the merger agreement.</FONT></TD></TR></TABLE>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_053"></A>Covenants and
Agreements</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Conduct
of Business Prior to the Effective Time </I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
has agreed that prior to the effective time or the termination of the merger agreement, unless the prior written consent of Simmons
has been obtained (which consent will not be unreasonably withheld, delayed or conditioned), and except for certain exceptions,
as required by law, and as otherwise expressly contemplated by the merger agreement, it will, and will cause each of its subsidiaries
to, (1) operate its business only in the ordinary course and (2) use its reasonable best efforts to preserve intact its business
(including its organization, assets, goodwill and insurance coverage), and maintain its rights, authorizations, franchises, advantageous
business relationships with customers, vendors, strategic partners, suppliers and others doing business with it, and maintain
the services of its officers and key employees. In addition, Spirit has each agreed that until the earlier of the effective time
or the termination of the merger agreement, it will use its reasonable best efforts to provide Simmons with prior written notice
of any actions it or any of its subsidiaries take with respect to the COVID-19 pandemic that differ from or are inconsistent with
actions taken by it with respect to the COVID-19 pandemic prior to the date of the merger agreement.</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
has also agreed that, every two weeks after the date of the merger agreement, it will provide Simmons a report describing all
of the following which has occurred in the prior two weeks:</FONT></P>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         new, renewed, extended, modified, amended or terminated contracts that provide for aggregate
                                         annual payments of $50,000 or more; and</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">new
                                         loans or commitments (including a letter of credit) for loans in excess of $200,000,
                                         any renewals or extensions of existing loans or commitments for any loans in excess of
                                         $200,000, or any material amendments or modifications to loans in excess of $200,000.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
as of November 2021, Spirit has agreed to provide Simmons with a monthly report and reasonable attestation concerning Spirit and
Spirit Bank&rsquo;s asset quality.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Additionally,
Spirit has agreed that until the earlier of the effective time or the termination of the merger agreement, unless the prior written
consent of Simmons has been obtained (which consent will not be unreasonably withheld, delayed or conditioned) and except for
certain exceptions and as otherwise expressly contemplated in the merger agreement, Spirit will not, and will not do or agree
or commit to do, or cause or permit any of its subsidiaries to do or agree or commit to do, any of the following:</FONT></P>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">amend
                                         the Spirit charter, the Spirit bylaws or other governing instruments of Spirit or any
                                         of its subsidiaries&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">incur,
                                         assume, guarantee, endorse or otherwise as an accommodation become responsible for any
                                         additional debt obligation or other obligation for borrowed money (other than indebtedness
                                         of Spirit to Spirit Bank or of Spirit Bank to Spirit, or the creation of deposit liabilities,
                                         purchases of federal funds, borrowings from any FHLB or Federal Reserve, security repurchase
                                         arrangements or other short term liquidity funding of Spirit Bank, or sales of certificates
                                         of deposits, in each case incurred in the ordinary course);</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)
                                         repurchase, redeem, or otherwise acquire or exchange, directly or indirectly, any shares,
                                         or any securities convertible into or exchangeable or exercisable for any shares, of
                                         the capital stock of Spirit or any of its subsidiaries other than in connection with
                                         Spirit&rsquo;s benefit plans, or (2) make, declare, pay or set aside for payment any
                                         dividend or set any record date for or declare or make any other distribution in respect
                                         of Spirit&rsquo;s capital stock or other equity interests of Spirit (except for regular
                                         quarterly cash dividends by Spirit at a rate not to exceed $0.12 per share of Spirit
                                         common stock, provided that Spirit will not make, declare, pay, or set aside for payment
                                         such dividends if, as of the date of its action, Spirit would be unable to satisfy the
                                         regulatory capital conditions in the merger agreement;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">issue,
                                         grant, sell, pledge, dispose of, encumber, authorize or propose the issuance of, enter
                                         into any contract to issue, grant, sell, pledge, dispose of, encumber, or authorize or
                                         propose the issuance of, or otherwise permit to become outstanding, any additional shares
                                         of Spirit common stock or any other capital stock of Spirit or any of its subsidiaries,
                                         or any stock appreciation rights, or any option, warrant, or other equity right (other
                                         than issuances of Spirit common stock in connection with the exercise of vested Spirit
                                         options or Spirit warrants, or the vesting of Spirit RSUs, in each case that were outstanding
                                         as of the close of business on November 16, 2021; provided that such issuances occur
                                         prior to the determination date, as defined in the merger agreement)&#894;</FONT></TD></TR></TABLE>


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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">directly
                                         or indirectly adjust, split, combine or reclassify any capital stock or other equity
                                         interest of Spirit or any of its subsidiaries or issue or authorize the issuance of any
                                         other securities in respect of or in substitution for shares of Spirit common stock,
                                         or sell, transfer, lease, mortgage, permit any lien on, or otherwise dispose of, discontinue
                                         or otherwise encumber, (1) any shares of capital stock or other equity interests of Spirit
                                         or any of its subsidiaries (unless any such shares of capital stock or other equity interests
                                         are sold or otherwise transferred to Spirit or any of its subsidiaries) or (2) any asset
                                         other than pursuant to contracts in force at the date of the merger agreement or sales
                                         of investment securities in the ordinary course&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">(1) purchase any securities
or make any acquisition of or investment in (except in the ordinary course), either by purchase of stock or other securities or
equity interests, contributions to capital, asset transfers, purchase of any assets (including any investments or commitments
to invest in real estate or any real estate development project) or other business combination, or by formation of any joint venture
or other business organization or by contributions to capital (other than by way of foreclosures or acquisitions of control in
a fiduciary or similar capacity or in satisfaction of debts previously contracted in good faith, in each case in the ordinary
course), any person other than Spirit Bank, or otherwise acquire direct or indirect control over any person, or (2) enter into
a plan of consolidation, merger, share exchange, share</FONT></TD>
</TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol"></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">acquisition,
                                         reorganization, recapitalization or complete or partial liquidation or dissolution (other
                                         than consolidations, mergers or reorganizations solely among wholly owned subsidiaries
                                         of Spirit), or a letter of intent, memorandum of understanding or agreement in principle
                                         with respect thereto;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>







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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)
                                         grant any increase in compensation or benefits to the employees or officers of Spirit
                                         or any of its subsidiaries (except as required by law), (2) pay any (A) severance or
                                         termination pay or (B) any bonus, in either case other than pursuant to a Spirit benefit
                                         plan that is in effect on the date of the merger agreement and in the case of clause
                                         (A) subject to receipt of an effective release of claims from the employee, and in the
                                         case of clause (B) to the extent required under the terms of the plan without the exercise
                                         of any upward discretion, (3) enter into, amend or increase the benefits payable under
                                         any severance, change in control, retention, bonus guarantees, collective bargaining
                                         agreement or similar agreement or arrangement with employees or officers of Spirit or
                                         any of its subsidiaries, (4) grant any increase in fees or other increases in compensation
                                         or other benefits to directors of Spirit or any of its subsidiaries, (5) waive any stock
                                         repurchase rights, or grant, accelerate, amend or change the period of exercisability
                                         of any equity rights or restricted stock, or authorize cash payments in exchange for
                                         any equity rights, (6) fund any rabbi trust or similar arrangement, (7) terminate the
                                         employment or services of any officer or any employee whose annual base compensation
                                         is greater than $75,000, other than for cause, (8) hire any officer, employee, independent
                                         contractor or consultant (who is a natural person) who has annual base compensation greater
                                         than $100,000, or (9) implement or announce any employee layoff that would reasonably
                                         be expected to implicate the Worker Adjustment and Retraining Notification Act;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">enter
                                         into, amend or renew any employment or independent contractor contract between Spirit
                                         or any of its subsidiaries and any person requiring payments thereunder in excess of
                                         $75,000 in any 12-month period that Spirit or its subsidiaries do not have the unconditional
                                         right to terminate without liability (other than liability for services already rendered),
                                         at any time on or after the effective time;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">except
                                         with respect to a Spirit benefit plan that is intended to be tax-qualified in the opinion
                                         of counsel is necessary or advisable to maintain the tax qualified status, (1) adopt
                                         or establish any new plan, policy, program or arrangement that would be considered a
                                         Spirit benefit plan if such plan, policy, program or arrangement were in effect as of
                                         the date of the merger agreement, or amend in any material respect any existing Spirit
                                         benefit plan or terminate or withdraw from, or amend, any Spirit benefit plan, (2) make
                                         any distributions from such employee benefit plans, except as required by the terms of
                                         such plans, or (3) fund or in any other way secure the payment of compensation or benefits
                                         under any Spirit benefit plan;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">except in each case as may
be required to conform to changes in tax laws, regulatory accounting requirements or GAAP, as applicable, make any change in any
accounting principles, practices or methods or systems of internal accounting controls; or make or change any material Tax election,
Tax accounting method, taxable year or period; file any amended material tax return, stop maintaining withholding certificates
in respect of any person required to be maintained under the Code or the treasury regulations, agree to an extension or waiver
of any statute of limitations with respect to the assessment or determination of taxes; settle or compromise any tax liability
of Spirit or any of its subsidiaries; enter into any closing agreement with respect to any tax; surrender any right to claim a
tax refund; or claim any other tax relief or tax benefit under a COVID-19 relief law;</FONT></TD>
</TR></TABLE>




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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">commence
                                         any litigation other than in the ordinary course, or settle, waive or release or agree
                                         or consent to the issuance of any order in connection with any litigation (1) involving
                                         any liability of Spirit or any of its subsidiaries for money damages in excess of $50,000
                                         in the aggregate or that would impose any restriction on the operations, business or
                                         assets of Spirit or any of its subsidiaries, or the surviving corporation or (2) arising
                                         out of or relating to the transactions contemplated by the merger agreement;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
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                                         into, renew, extend, modify, amend or terminate specified contracts, make any material
                                         amendment or modification to specified contracts, or waive, release, compromise or assign
                                         any material rights or claims under specified contracts;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)
                                         enter into any new line of business or change in any material respect its lending, investment,
                                         risk and asset-liability management, interest rate, fee pricing or other material banking
                                         or operating policies or (2) change its policies and practices with respect to underwriting,
                                         pricing, originating, acquiring, selling, servicing or buying or selling rights to service
                                         loans except as required by rules or policies imposed by a regulatory authority&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">make,
                                         or commit to make, any capital expenditures in excess of $50,000 individually or $100,000
                                         in the aggregate;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">except
                                         as required by applicable regulatory authorities, make any material changes in its policies
                                         and practices with respect to insurance policies including materially reduce the amount
                                         of insurance coverage currently in place or fail to renew or replace any existing insurance
                                         policies;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">materially
                                         change or restructure its investment securities portfolios, its investment securities
                                         practice or policies, its hedging practices or policies, or change its policies with
                                         respect to the classification or reporting of such portfolios, or invest in any mortgage-backed
                                         or mortgage-related securities which would be considered &ldquo;high-risk&rdquo; securities
                                         under applicable regulatory pronouncements or change its interest rate exposure through
                                         purchases, sales or otherwise, or the manner in which its investment securities portfolios
                                         are classified or reported;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">alter materially its interest
rate or fee pricing policies with respect to depository accounts of Spirit or any of its subsidiaries or waive any material fees
with respect thereto;</FONT></TD>
</TR></TABLE>



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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">take
                                         any action, or knowingly fail to take any action, which action or failure to act prevents
                                         or impedes, or could reasonably be expected to prevent or impede, the merger from qualifying
                                         as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">make
                                         or acquire any loan or issue a commitment (including a letter of credit) or renew or
                                         extend an existing commitment for any loan, or amend or modify in any material respect
                                         any loan, except for (1) secured loans or commitments for loans with a principal balance
                                         less than $1,500,000 in compliance with Spirit Bank&rsquo;s underwriting policy and related
                                         loan policies in effect as of the date of the merger agreement including pursuant to
                                         an exception to such underwriting policy and related Loan policies that is reasonable
                                         in light of the underwriting of the borrower for such loan or commitment (provided that
                                         this exception will not permit any Spirit entity to acquire such loans), (2) unsecured
                                         loans or commitments for loans with a principal balance equal to or less than $250,000
                                         in compliance with Spirit Bank&rsquo;s underwriting policy and related loan policies
                                         in effect as of the date of the merger agreement consistent with past practices, including
                                         pursuant to an exception to such underwriting policy and related loan policies that is
                                         reasonable in light of the underwriting of the borrower for such loan or commitment (provided
                                         that this exception will not permit any Spirit entity to acquire such loans), and (3)
                                         amendments or modifications of any existing loan in full compliance with Spirit Bank&rsquo;s
                                         underwriting policy and related loan policies in effect as of the date of the merger
                                         agreement consistent with past practices without utilization of any of the exceptions
                                         provided in such underwriting policy and related loan policies (provided that such loan
                                         is not a criticized loan);</FONT></TD></TR></TABLE>


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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">other
                                         than in the ordinary course, repurchase, or provide indemnification relating to, loans
                                         in the aggregate in excess of $100,000;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">cancel, compromise, waive
or release any material indebtedness owed to any person or any rights or claims held by any person, except for (1) sales of loans
and sales of investment securities, in each case in the ordinary course, or (2) as expressly required by the terms of any contracts
in force at the date of the merger agreement;</FONT></TD>
</TR></TABLE>



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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">permit
                                         the commencement of any construction of new structures or facilities upon, or purchase
                                         or lease any real property in respect of any branch or other facility, or make any application
                                         to open, relocate or close any branch or other facility;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">enter
                                         into any securitizations of any loans or create any special purpose funding or variable
                                         interest entity other than on behalf of clients;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">foreclose
                                         upon or take a deed or title to any commercial real estate (excluding real estate used
                                         solely for agricultural production) without first conducting a Phase I environmental
                                         assessment (except where such an assessment has been conducted in the preceding 12 months)
                                         of the property or foreclose upon any commercial real estate if such environmental assessment
                                         indicates the presence of hazardous material;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">take
                                         any action that is intended or which could reasonably be expected to (1) impede, adversely
                                         affect or delay consummation of the transactions contemplated by the merger agreement
                                         or the receipt of any approvals of any regulatory authority or third party; (2) result
                                         in any of the conditions to closing not being satisfied, or (3) impair its ability to
                                         perform its obligations under the merger agreement or to consummate the transactions
                                         contemplated thereby, except as required by applicable law; or</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">agree
                                         to take, make any commitment to take, or adopt any resolutions of the Spirit board of
                                         directors in support of, any of the above prohibited actions.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">Simmons
has also agreed that until the earlier of the effective time or the termination of the merger agreement, unless the prior written
consent of Spirit has been obtained (which consent Spirit may not unreasonably withhold, delay or condition) and except for certain
exceptions and as otherwise expressly contemplated in the merger agreement, Simmons will not, and will not do or agree or commit
to do, or permit any of its subsidiaries to do or agree or commit to do any of the following actions:</FONT></P>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">amend
                                         the Simmons charter, the Simmons bylaws or other governing instruments of Simmons or
                                         any significant subsidiaries (as defined in Regulation S-X promulgated by the SEC) of
                                         Simmons in a manner that would adversely affect Spirit or the holders of Spirit common
                                         stock adversely relative to other holders of Simmons common stock&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">take
                                         any action, or knowingly fail to take any action, which action or failure to act prevents
                                         or impedes, or could reasonably be expected to prevent or impede, the merger, from qualifying
                                         as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">take
                                         any action that is intended or which could reasonably be expected to (1) impede, adversely
                                         affect or materially delay consummation of the transactions contemplated by the merger
                                         agreement or the receipt of any approvals of any regulatory authority or third party,
                                         (2) result in any of the conditions to closing not being satisfied, or (3) impair Simmons&rsquo;
                                         ability to perform its obligations under the merger agreement or to consummate the transactions
                                         contemplated by the merger agreement, except as required by applicable law; or</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">agree
                                         to take, make any commitment to take, or adopt any resolutions of the Simmons board of
                                         directors in support of, any of the above prohibited actions.</FONT></TD></TR></TABLE>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Regulatory
Matters</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit have agreed to file all reports required to be filed with regulatory authorities between the date of the merger agreement
and the effective time, and to deliver to the other party copies of all such reports promptly after the same are filed. If financial
statements are contained in any such reports filed with the SEC or the Federal Reserve, such financial statements will fairly
present the consolidated financial position of the entity filing such statements as of the dates indicated and the consolidated
results of operations, changes in shareholders&rsquo; equity, and cash flows for the period then ended in accordance with GAAP
(subject in the case of interim financial statements to normal recurring year-end adjustments that are not material) or applicable
regulatory accounting principles consistently applied, except as may be otherwise indicated in the notes thereto and except for
the omission of footnotes. Notwithstanding the above, neither Simmons nor Spirit will be obligated to disclose to the other any
reports to the extent such reports contain confidential supervisory information or other information the disclosure of which would
be prohibited by applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit have agreed to cooperate with each other and use their reasonable best efforts to prepare all documentation, to effect
all applications, notices, petitions and filings, and to obtain all permits and consents of all regulatory authorities and third
parties that are necessary or advisable to consummate the transactions contemplated by the merger agreement, including the merger,
and to comply with the terms and conditions of all such permits and consents. Each of Simmons and Spirit have agreed to use its
respective reasonable best efforts to resolve objections, if any, which may be asserted with respect to the merger agreement or
the transactions contemplated thereby by any regulatory authority or under any applicable law or order.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notwithstanding
the foregoing, in no event is Simmons or any of its subsidiaries required, and Spirit and its subsidiaries are not permitted (without
Simmons&rsquo; prior written consent in its sole discretion), to take any action, or to commit to take any action, or to accept
any restriction or condition, involving Simmons or its subsidiaries or Spirit or its subsidiaries, which is materially burdensome
on Simmons&rsquo; or Simmons Bank&rsquo;s business or on the business of Spirit or Spirit Bank, in each case following the closing
or which would likely reduce the economic benefits of the transactions contemplated by the merger agreement to Simmons to such
a degree that Simmons would not have entered into the merger agreement had such condition or restriction been known to it at the
date of the merger agreement, which condition or restriction we refer to as a burdensome condition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For a
more complete discussion of the regulatory approvals required to complete the merger and the terms of the merger agreement related
to regulatory approvals, please see the section entitled &ldquo;The Merger&mdash;Regulatory Approvals Required for the Merger.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Tax
Matters</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit have agreed to use their respective reasonable best efforts to cause the merger, and to take no action which would
cause the merger not, to qualify as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code for federal
income tax purposes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Employee
Matters</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement provides that for a period of one year following the effective time, employees of Spirit and its subsidiaries, while
employed by Simmons, generally will be eligible to receive benefits that are on terms and conditions which are, in the aggregate,
substantially comparable to those provided by Simmons entities to their similarly situated employees. Covered employees will generally
receive credit for prior service with Spirit and its subsidiaries for purposes of determining eligibility to participate and vesting
under Simmons benefit plans and for purposes of determining entitlement to paid time off under Simmons paid time off program,
subject to certain specified exceptions.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Prior
to the closing date, Spirit will (1) terminate any Spirit benefit plan that is intended to constitute a tax-qualified defined
contribution plan under Section 401(a) of the Code, which we refer to as a 401(a) plan, effective as of no later than the day
before the closing date and (2) cooperate in good faith with Simmons prior to the closing date to amend, freeze, terminate or
modify any other Spirit benefit plan to the extent and in the matter determined by Simmons to be effective upon the effective
time (or at such different time mutually agreed to by the parties) and consistent with applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>D&amp;O
Indemnification and Insurance</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement provides that, for six years after the effective time, Simmons will indemnify, defend and hold harmless each of the
present and former directors or officers of Spirit and its subsidiaries against all liabilities incurred in connection with any
actual or threatened litigation arising out of or pertaining to the fact that such person is or was a director or officers of
the Spirit entities, or at a Spirit entity&rsquo;s request, of another corporation, partnership, joint venture, trust or other
enterprise and pertaining to matters, acts or omissions existing or occurring at or prior to the effective time to the fullest
extent permitted under the Spirit charter and the Spirit bylaws in effect on the date of the merger agreement (or, in the case
of Spirit&rsquo;s bylaws, as in effect as of the closing date) (subject to applicable law), including provisions relating to the
advancement of expenses incurred in the defense of any such litigation; provided, that the indemnified party to whom expenses
are advanced provides a written undertaking to repay such advances if it is ultimately determined that such indemnified party
is not entitled to indemnification.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement also provides that the surviving corporation will use its reasonable best efforts to maintain in effect for a period
of six years after the effective time Spirit&rsquo;s existing directors&rsquo; and officers&rsquo; liability insurance policy
or a comparable policy, with respect to claims arising from facts or events that occurred prior to the effective time, capped
at 200% of the annual premium payments currently paid on Spirit&rsquo;s current policy. In lieu of the insurance described in
the preceding sentence, prior to the effective time, Simmons, or Spirit, in consultation with Simmons, may obtain a six-year &ldquo;tail&rdquo;
prepaid policy providing coverage equivalent to such insurance.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>Certain
Additional Covenants</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement also contains additional covenants, including, but not limited to, covenants relating to the filing of this proxy statement/prospectus,
obtaining required consents, potential shareholder litigation, the declaration of dividends, restructuring efforts, takeover laws,
exemption from liability under Section 16(b), document archiving, assumption of Spirit&rsquo;s subordinated notes, Spirit&rsquo;s
delivery to Simmons of its closing financial statements, the listing of the shares of Simmons common stock to be issued in the
merger and public announcements with respect to the transactions contemplated by the merger agreement.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_054"></A>Agreement Not
to Solicit Other Offers</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
has agreed that it and its subsidiaries will not, and will cause their representatives not to, directly or indirectly:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">solicit,
                                         initiate, encourage (including by providing information or assistance), facilitate or
                                         induce any acquisition proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">engage
                                         or participate in any discussions or negotiations regarding, or furnish or cause to be
                                         furnished to any person any confidential or nonpublic information or data with respect
                                         to, or take any other action to facilitate any inquiries or the making of any offer or
                                         proposal that constitutes, or may reasonably be expected to lead to, an acquisition proposal;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">adopt,
                                         approve, agree to, accept, endorse or recommend any acquisition proposal;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">approve,
                                         agree to, accept, endorse or recommend, or propose to approve, agree to, accept, endorse
                                         or recommend any acquisition agreement contemplating or otherwise relating to any acquisition
                                         transaction; or</FONT></TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">except
                                         as otherwise provided in the merger agreement, otherwise cooperate in any way with, or
                                         assist or participate in, or facilitate or encourage any effort or attempt by any person
                                         to do or seek to do any of the foregoing.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
and its subsidiaries have agreed to, and to direct its representatives to, (1) immediately cease and cause to be terminated all
existing activities, discussions or negotiations with any person conducted prior to the date of the merger agreement with respect
to any offer or proposal that constitutes, or may reasonably be expected to lead to, an acquisition proposal, (2) request the
prompt return or destruction of all confidential information previously furnished to any person (other than Simmons, its subsidiaries
and their respective representatives) that has made or indicated an intention to make an acquisition proposal, (3) except to the
extent the board of directors of Spirit determines in good faith, after consultation with its outside legal counsel, that it would
be inconsistent with the directors&rsquo; fiduciary duties under applicable law, not waive or amend any &ldquo;standstill&rdquo;
provision or provisions of similar effect to which it is a beneficiary and to strictly enforce any such provisions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Promptly
(but in no event more than 48 hours) following receipt of any acquisition proposal or any request for nonpublic information or
any inquiry that could reasonably could be expected to lead to any acquisition proposal, Spirit has agreed to advise Simmons in
writing of the receipt of such acquisition proposal, request or inquiry, and the terms and conditions of such acquisition proposal,
request or inquiry (including, in each case, the identity of the person making any such acquisition proposal, request or inquiry),
and Spirit will as promptly as practicable provide to Simmons (1) a copy of such acquisition proposal, request or inquiry, if
in writing, or (2) a written summary of the material terms of such acquisition proposal, request or inquiry, if oral. Spirit has
agreed to provide Simmons, as promptly as practicable (but in no event more than 48 hours), with notice setting forth all such
information as is necessary to keep Simmons informed on a reasonably current basis of all developments, discussions, negotiations
and communications regarding (including amendments or proposed amendments to) such acquisition proposal, request, or inquiry.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If Spirit
or any of its representatives receives an unsolicited, bona fide written acquisition proposal by any person at any time prior
to the Spirit shareholder approval that did not result from or arise in connection with a breach of the merger agreement, Spirit
and its representatives may, prior to (but not after) the Spirit shareholder meeting, take the following actions if the board
of directors of Spirit (or any committee thereof) has (i) determined, in its good faith judgment (after consultation with Spirit&rsquo;s
financial advisors and outside legal counsel), that such acquisition proposal constitutes or would reasonably be expected to lead
to a superior proposal and that the failure to take such actions would be inconsistent with its fiduciary duties under applicable
law, and (ii) obtained from such person an executed confidentiality agreement containing terms at least as restrictive with respect
to such person as the terms of the confidentiality agreement are in each provision with respect to Simmons (and such confidentiality
agreement will not provide such person with any exclusive right to negotiate with Spirit): (a) furnish information to (but only
if Spirit will have provided such information to Simmons prior to furnishing it to any such person), and (b) enter into discussions
and negotiations with, such person and its representatives with respect to such unsolicited, bona fide written acquisition proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For purposes
of the merger agreement,</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">an
                                         &ldquo;acquisition agreement&rdquo; means a term sheet, letter of intent, commitment,
                                         memorandum of understanding, agreement in principle, merger agreement, acquisition agreement,
                                         option agreement or other similar agreement (whether written or oral, binding or nonbinding);</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">an
                                         &ldquo;acquisition proposal&rdquo; means any offer, inquiry, proposal or indication of
                                         interest (whether communicated to Spirit or publicly announced to the Spirit shareholders
                                         and whether binding or non-binding) by any person (other than Simmons or its subsidiaries)
                                         for an acquisition transaction; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">an
                                         &ldquo;acquisition transaction&rdquo; means any transaction or series of related transactions
                                         (other than the transactions contemplated by the merger agreement) involving (1) any
                                         acquisition or purchase, direct or indirect, by any person (other than Simmons or its
                                         subsidiaries) of 20% or more in interest of the total outstanding voting securities of
                                         Spirit or its subsidiaries whose assets, either individually or in the aggregate, constitute
                                         more than 25% of the consolidated assets of Spirit and its subsidiaries, or any tender
                                         offer or exchange offer that if consummated would result in any person (other than Simmons
                                         or its subsidiaries) beneficially owning 20% or more in interest of the total outstanding
                                         voting securities of Spirit or its subsidiaries whose assets, either individually or
                                         in the aggregate, constitute more than 25% of the consolidated assets of the Spirit,
                                         or any merger, consolidation, share exchange, business combination, reorganization, recapitalization,
                                         liquidation, dissolution or similar transaction involving Spirit or its subsidiaries
                                         whose assets, either individually or in the aggregate, constitute more than 25% of the
                                         consolidated assets of Spirit and its subsidiaries; or (ii) any sale, lease, exchange,
                                         transfer, license, acquisition or disposition of 20% or more of the consolidated assets
                                         of Spirit and its subsidiaries, taken as a whole.</FONT></TD></TR></TABLE>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"></FONT></P>



<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_055"></A>Spirit Special
Meeting and Recommendation of the Spirit Board of Directors</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
has agreed to hold a meeting of its shareholders as promptly as reasonably practicable after the registration statement of which
this proxy statement/prospectus is a part is declared effective by the SEC for the purpose of obtaining the Spirit shareholder
approval. Spirit has agreed that its obligation to hold such meeting of its shareholders will not be affected by the commencement,
proposal, disclosure or communication to Spirit of any acquisition proposal or change in recommendation, as described below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
board of directors has agreed to unanimously recommend to the Spirit shareholders the approval of the merger proposal, to include
such recommendation in this proxy statement/prospectus and to use its reasonable best efforts to obtain the Spirit shareholder
approval. Spirit has agreed that neither the Spirit board of directors nor any committee thereof will (1) withhold, withdraw,
qualify or modify such recommendation in any manner adverse to Simmons, (2) fail to make the such recommendation or otherwise
submit the merger proposal to the Spirit shareholders without such recommendation, (3) adopt, approve, agree to, accept, recommend
or endorse an acquisition proposal, (4) fail to publicly and without qualification (i) recommend against any acquisition proposal
or (ii) reaffirm the recommendation of the merger proposal within ten business days (or such fewer number of days remaining prior
to the Spirit special meeting) after an acquisition proposal is made public or any request by Simmons to do so, (5) take any action
or make any public statement, filing or release inconsistent with such recommendation, or (6) publicly propose to do any of the
foregoing, which, collectively and individually, we refer to as a change in recommendation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">However,
at any time prior to the Spirit special meeting, the Spirit board of directors may submit the merger agreement without recommendation,
if Spirit has received a superior proposal (as defined in &ldquo;The Merger Agreement&mdash;Spirit Special Meeting and Recommendation
of the Spirit Board of Directors&rdquo;) (after giving effect to any revised offer from Simmons) and the Spirit board of directors
has determined in good faith, after consultation with its financial advisors and outside legal counsel, that it would be inconsistent
with the directors&rsquo; fiduciary duties under applicable law to make or continue to make the recommendation to approve the
merger proposal; provided, that the Spirit board of directors may not take such actions unless:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         has complied in all material respects with its non-solicit obligations described above;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         gives Simmons at least five business days&rsquo; notice of its intention to make a change
                                         in recommendation;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">during
                                         such five business day period, Spirit has considered and negotiated, and has caused its
                                         financial advisors and outside legal counsel to, consider and negotiate with Simmons
                                         in good faith (to the extent Simmons desires to so negotiate) regarding any proposals,
                                         adjustments or modifications to the terms and conditions of the merger agreement proposed
                                         by Simmons; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Spirit board of directors has determined in good faith, after consultation with its financial
                                         advisors and outside legal counsel and considering the results of such negotiations described
                                         above and giving effect to any proposals, amendments or modifications proposed by Simmons
                                         that such superior proposal remains a superior proposal and that it would nevertheless
                                         be inconsistent with the directors&rsquo; fiduciary duties under applicable law to make
                                         or continue to make the recommendation to approve the merger proposal.</FONT></TD></TR></TABLE>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any material
amendment to any acquisition proposal will require a new determination and notice period.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For purposes
of the merger agreement, a &ldquo;superior proposal&rdquo; means an unsolicited bona fide written acquisition proposal with respect
to which the Spirit board of directors determines in its good faith judgment (based on, among other things, the advice of outside
legal counsel and a financial advisor) is reasonably likely to be consummated in accordance with its terms, and if consummated,
would result in a transaction move favorable, from a financial point of view, to the Spirit shareholders than the merger and the
other transactions contemplated by the merger agreement (as it may be proposed to be amended by Simmons), taking into account
all relevant factors (including the acquisition proposal and the merger agreement (including any proposed changes to the merger
agreement that may be proposed by Simmons in response to such acquisition proposal)); provided, that for purposes of the definition
of superior proposal, the references to &ldquo;20%&rdquo; in the definition of acquisition transaction will be deemed to be references
to &ldquo;50%.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><A NAME="i21655a_056"></A><FONT STYLE="font-size: 10pt">Conditions to
Consummation of the Merger</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The respective
obligations of each party to consummate the merger and the other transactions contemplated by the merger agreement are subject
to the satisfaction or waiver at or prior to the effective time of the following conditions:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         approval of the merger proposal by the Spirit shareholders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         receipt of all required regulatory permits or consents from the Federal Reserve, the
                                         TDSML, the ASBD, the FDIC and any other regulatory authority, and any other regulatory
                                         permits or consents contemplated by the merger agreement the failure of which to obtain
                                         would reasonably be expected to have, either individually or in the aggregate, a material
                                         adverse effect on Simmons and Spirit (considered as a consolidated entity), in each case
                                         required to consummate the transactions contemplated by the merger agreement, including
                                         the merger, and expiration of all related statutory waiting periods, which we refer to
                                         as the requisite regulatory approvals;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         absence of any law or order (whether temporary, preliminary or permanent) by any court
                                         or regulatory authority of competent jurisdiction prohibiting, restricting or making
                                         illegal the consummation of the transactions contemplated by the merger agreement (including
                                         the merger)&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         effectiveness of the registration statement of which this proxy statement/prospectus
                                         is a part under the Securities Act, and there being no stop order, action, suit, proceeding
                                         or investigation by the SEC to suspend the effectiveness of the registration statement
                                         initiated and continuing&#894;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         approval of the listing on Nasdaq of the Simmons common stock to be issued pursuant to
                                         the merger, subject to official notice of issuance (if such approval is required by Nasdaq);</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         receipt by each party of a written opinion of Covington in form reasonably satisfactory
                                         to such parties to the effect that the merger will qualify as a &ldquo;reorganization&rdquo;
                                         within the meaning of Section 368(a) of the Code;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         accuracy of the representations and warranties of the other party in the merger agreement
                                         as of the date of the merger agreement and as of the effective time, subject to the materiality
                                         standards provided in the merger agreement;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         performance by the other party in all material respects of all obligations, agreements
                                         and covenants of such party required to be performed or complied with pursuant to the
                                         merger agreement prior to the effective time; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         receipt of (1) a certificate from the other party to the effect that the two conditions
                                         described immediately above have been satisfied and (2) certified copies of resolutions
                                         duly adopted by the other party&rsquo;s board of directors and shareholders evidencing
                                         the taking of all corporate action necessary to authorize the execution, delivery and
                                         performance of the merger agreement, and the consummation of the transactions contemplated
                                         thereby, all in such reasonable detail as the other party and its counsel may request.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
Simmons&rsquo; obligation to consummate the merger and the other transactions contemplated by the merger agreement is subject
to the satisfaction or waiver at or prior to the effective time of the following conditions:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">as reflected in Spirit&rsquo;s
closing financial statements, Spirit Bank&rsquo;s (1) delinquent loans do not exceed 0.70% of total loans, (2) non-performing
loans do not exceed 0.60% of total loans, (3) the ratio of non-performing assets to total assets is not in excess of 0.50%, (4)
the ratio of classified assets to Tier 1 capital plus ALLL is not in excess of 9.80%, (5) non-performing assets do not exceed
$12,000,000, (6) classified assets do not exceed $35,000,000 and (7) ALLL to total loans exceeds 0.70%;</FONT></TD>
</TR></TABLE>



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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">holders
                                         of not more than five percent of the outstanding shares of Spirit common stock having
                                         demanded, properly and in writing, appraisal for such shares under the TBOC;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">as
                                         reflected in Spirit&rsquo;s closing financial statements, (1) Spirit Bank being &ldquo;well
                                         capitalized&rdquo; as defined under applicable law, (2) Spirit Bank having a Tier 1 leverage
                                         ratio of not less than 10.25%, (3) Spirit Bank having a Tier 1 risked-based capital ratio
                                         of not less than 13.00%, (4) Spirit Bank having a total risked-based capital ratio of
                                         not less than 13.50%, (5) Spirit Bank having a common equity Tier 1 ratio of not less
                                         than 13.00%, and (6) Spirit Bank having not received any notification from the TDSML
                                         or FDIC to the effect that the capital of Spirit Bank is insufficient to permit Spirit
                                         Bank to engage in all aspects of its business and its currently proposed businesses without
                                         material restrictions, including the imposition of a burdensome condition, which condition
                                         we refer to as the regulatory capital condition; provided
                                         that items (2) through (5) of this regulatory capital condition will be waived by Simmons
                                         if the failure to satisfy such conditions is due primarily to the growth of Spirit Bank&rsquo;s
                                         assets, as determined by Simmons in its reasonable discretion after consultation with
                                         Spirit and Spirit&rsquo;s legal counsel and financial advisor and considering in good
                                         faith the results of such consultation;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         having delivered evidence satisfactory to Simmons in its discretion that certain contracts
                                         have been terminated;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">no
                                         requisite regulatory approval contains, will have resulted in or would reasonably be
                                         expected to result in, the imposition of a burdensome condition as determined by Simmons
                                         in its sole discretion after consultation with Spirit and Spirit&rsquo;s legal counsel
                                         and financial advisor and considering in good faith the results of such consultation;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit
                                         will deliver to Simmons a certificate, dated as of the closing date and signed on its
                                         behalf by its chief executive officer and its chief financial officer (and in such reasonable
                                         detail as Simmons and their counsel requests), to the effect that it has fulfilled its
                                         document archiving obligations in all material respects.</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Spirit will deliver to Simmons
duly executed warrant cancellation agreements from all holders of Spirit warrants.</FONT></TD>
</TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We cannot
be certain of when, or if, the conditions to the merger will be satisfied or waived, or that the merger will be completed in the
second quarter of 2022 or at all. As of the date of this proxy statement/prospectus, we have no reason to believe that any of
these conditions will not be satisfied.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_057"></A>Termination of
the Merger Agreement</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The merger
agreement may be terminated and the merger abandoned at any time prior to the effective time (notwithstanding the approval of
the merger agreement by Spirit shareholders) by mutual written agreement, or by either party in the following circumstances:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         regulatory authority denies a requisite regulatory approval or requests that Simmons,
                                         Spirit or any of their respective affiliates withdrawn (other than for technical reasons),
                                         and not be permitted to resubmit within 60 days, any application with request to a requisite
                                         regulatory approval;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Spirit shareholders fail to vote their approval of the merger proposal, which we refer
                                         to as a no-vote termination&#894;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         law or order permanently restraining, enjoining or otherwise prohibiting the consummation
                                         of the transactions contemplated by the merger agreement becomes final and nonappealable,
                                         so long as the party seeking to terminate the merger agreement has used its reasonable
                                         best efforts to contest, appeal and change or remove such denial, law or order;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         merger has not been consummated by November 30, 2022, which we refer to as the outside
                                         date, if the failure to consummate the transactions contemplated by the merger agreement
                                         on or before such date is not caused by the terminating party&rsquo;s breach of the merger
                                         agreement, which we refer to as an outside date termination&#894; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if
                                         there was a breach of any of the covenants or agreements or any of the representations
                                         or warranties (or any such representation or warranty ceases to be true) set forth in
                                         the merger agreement on the part of Spirit, in the case of a termination by Simmons,
                                         or Simmons, in the case of a termination by Spirit, which breach or failure to be true,
                                         either individually or in the aggregate with all other breaches by such party (or failures
                                         of such representations or warranties to be true), would constitute, if occurring or
                                         continuing on the closing date, the failure of a Simmons or Spirit condition to closing,
                                         respectively, and is not cured within 45 days following written notice or by its nature
                                         or timing cannot be cured during such period (or such fewer days as remain prior to the
                                         outside date); provided, that the terminating party is not then in material breach of
                                         any representation, warranty, covenant or other agreement contained in the merger agreement,
                                         which we refer to as a breach termination.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
Simmons may terminate the merger agreement if:</FONT></P>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Spirit board of directors fails to recommend that the Spirit shareholders approve the
                                         merger proposal, effects a change in recommendation, breaches its non-solicitation obligations
                                         with respect to acquisition proposals in any material respect adverse to Simmons or fails
                                         to call, give notice of, convene or hold the Spirit special meeting in accordance with
                                         the merger agreement, which, collectively, we refer to as a Spirit board breach termination;
                                         or</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if
                                         any regulatory authority grants a requisite regulatory approval but such requisite regulatory
                                         approval contains, results or would reasonably be expected to result in, the imposition
                                         of a burdensome condition.</FONT></TD></TR></TABLE>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_058"></A>Effect of Termination</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the
merger agreement is terminated or abandoned, it will become void and have no further force or effect and there will be no liability
on the part of either Simmons or Spirit for any matters addressed in the merger agreement or other claim relating to the merger
agreement and the transactions contemplated thereby, except that (1) designated provisions of the merger agreement will survive
the termination, including, but not limited to, those relating to payment of fees and expenses and the confidential treatment
of information and (2) both Simmons and Spirit will remain liable for any liability resulting from fraud or breach of the merger
agreement occurring prior to such termination or abandonment.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_059"></A>Termination Fee</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
will pay Simmons a $22,750,000 termination fee if:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)
                                         either Spirit or Simmons effects an outside date termination or a no-vote termination,
                                         or (2) Simmons effects a breach termination and, in each case, within 12 months of such
                                         termination, Spirit consummates an acquisition transaction or enters into an acquisition
                                         agreement with respect to an acquisition transaction, whether or not such acquisition
                                         transaction is subsequently consummated (provided that, for purposes of the payment of
                                         the termination fee, the &ldquo;20%&rdquo; references in the acquisition transaction
                                         definition will be &ldquo;50%&rdquo;); or</FONT></TD></TR></TABLE>


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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons
                                         effects a Spirit board breach termination.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If Spirit
fails to pay any termination fee payable when due, then Spirit must pay to Simmons its costs and expenses (including attorneys&rsquo;
fees) in connection with collecting such fee, together with interest on the amount of such fee at the prime rate of Citibank,
N.A. from the date such payment was due under the merger agreement until the date of payment.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_060"></A>Expenses and Fees</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each of
Simmons and Spirit will bear and pay all direct costs and expenses incurred by it or on its behalf in connection with the transactions
contemplated by the merger agreement. The filing fees and the costs and expenses of printing this proxy statement/prospectus will
be borne equally by Simmons and Spirit.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_061"></A>Amendments and
Waivers</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">To the
extent permitted by law, the merger agreement may be amended by a subsequent writing signed by each of the parties upon the approval
of each of the parties, whether before or after the Spirit shareholder approval is obtained, provided that after obtaining such
approval, no amendment may be made that requires further approval by Spirit shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Prior
to or at the effective time, the parties, by action taken or authorized by their respective board of directors may, to the extent
permitted by law, (1) extent the time for the performance of any of the obligations or other acts of the other parties, (2) waive
any inaccuracies in the representations and warranties contained herein or in any document delivered pursuant hereto, and (3)
waive compliance with any of the agreements or satisfaction of any conditions in the merger agreement; provided, that after the
Spirit shareholder approval is obtained, there may not be, without further approval of such shareholders, any extension or waiver
of the merger agreement or any portion thereof that requires further approval under applicable law.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_062"></A>Voting Agreements</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each of
the members of the Spirit board of directors and Spirit&rsquo;s named executive officers, in their capacities as individuals,
have separately entered into a Spirit voting agreement, in which they have agreed to appear at the shareholders&rsquo; meeting
or cause the covered shares as to which they control to be counted as present for purposes of calculating a quorum at such meeting
and vote (or cause to be voted), in person or by proxy, or deliver (or cause to be delivered) a written consent covering, all
covered shares as to which they control the right to vote, (1) in favor of the adoption and approval of the merger agreement and
the consummation of the transactions contemplated thereby, including the merger, (2) against any action or agreement that could
result in a breach of any covenant, representation or warranty or any other obligation of Spirit under the merger agreement or
by such person under the Spirit voting agreement, (3) against any acquisition proposal and (4) against any action, agreement,
amendment to any agreement or organizational document, transaction, matter or proposal submitted for vote or written consent of
the Spirit shareholders that is intended or would reasonably be expected to impede, interfere with, prevent, delay, postpone,
discourage, disable, frustrate the purposes of or adversely affect the merger or the other transactions contemplated by the merger
agreement or the Spirit voting agreement or the performance by Spirit of its obligations under the merger agreement or by the
such person of his or her obligations under the Spirit voting agreement. In addition, the Spirit voting agreements provide that
such shareholders will not sell or transfer any of their shares of Spirit common stock of which they are a beneficial owner, subject
to certain exceptions, until the earlier of the receipt of the Spirit shareholder approval or the date on which the merger agreement
is terminated in accordance with its terms.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject
to certain exceptions, the Spirit voting agreements also provide that, for a one or two year restricted period following the closing
date, directly or indirectly, either for him or herself or for any other person other than for Simmons or Simmons&rsquo; affiliates,
such shareholders will not within 50 miles of any branch or other office of Spirit bank as of the date of the Spirit voting agreement
participate in any business that engages in the business of acting as a commercial, community or retail banking business; provided,
that if, as of the date of the Spirit voting agreement and at all times during such restricted period, such shareholder holds
not more than a 5% direct or indirect equity interest in such person, then such shareholder may retain (but not increase) such
ownership interest without being deemed to &ldquo;participate&rdquo; in the business conducted by such person. In addition, the
Spirit voting agreements provide that, subject to certain exceptions, during the one or two year restricted period following the
closing date, directly or indirectly, such shareholder will not (without Simmons&rsquo; prior written consent other than for the
benefit of Simmons or Simmons&rsquo; affiliates) solicit, call upon, communicate with or attempt to communicate with any person
that is or was a customer of Spirit or any of its affiliates during the one-year period preceding the closing date for the purpose
of engaging in opportunities related to the business of acting as a commercial, community, or retail banking business.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Spirit
voting agreements remain in effect until the earlier to occur of the closing and the date of termination of the merger agreement
in accordance with its terms; provided that, if the closing occurs, the non-competition provisions described immediately above
survive until the first or second anniversary of the closing date, subject to certain exceptions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As of
the Spirit record date, shares constituting approximately 24.7% of the Spirit common stock entitled to vote at the Spirit
special meeting are subject to Spirit voting agreements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The foregoing
description of the Spirit voting agreements is subject to, and qualified in its entirety by reference to, the Spirit voting agreements,
a form of which is attached to this proxy statement/prospectus as <U>Annex B</U> and is incorporated by reference into this proxy
statement/prospectus.</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B></B></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_063"></A>M<FONT STYLE="text-transform: none">ATERIAL
U.S. FEDERAL INCOME TAX CONSEQUENCES RELATING TO THE MERGER</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
is a general discussion of the material U.S. federal income tax consequences relating to the merger to a U.S. holder (as defined
below) that receives Simmons common stock pursuant to the merger. This section is the opinion of Covington, counsel to Simmons,
and is subject to the assumptions and qualifications set forth below and in the opinion filed as Exhibits 8.1 to the registration
statement of which this proxy statement/prospectus is part.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For purposes
of this discussion, a &ldquo;U.S. holder&rdquo; means any beneficial owner of Spirit common stock that is, for U.S. federal income
tax purposes, (1) an individual citizen or resident of the United States, (2) a corporation (or entity treated as a corporation
for U.S. federal income tax purposes) organized in or under the laws of the United States or any state thereof or the District
of Columbia, (3) a trust if (a) a court within the United States is able to exercise primary supervision over the administration
of the trust and one or more U.S. persons have the authority to control all substantial decisions of the trust or (b) such trust
has made a valid election to be treated as a U.S. person for U.S. federal income tax purposes, or (4) an estate, the income of
which is subject to U.S. federal income tax regardless of its source.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This discussion
applies only to a U.S. holder that holds its shares of Spirit common stock as a capital asset within the meaning of Section 1221
of the Code and exchanges those shares for the per share merger consideration in the merger. Further, this discussion is for general
information only and does not purport to address all aspects of U.S. federal income taxation that might be relevant to a U.S.
holder in light of its particular circumstances and does not apply to a U.S. holder subject to special treatment under the U.S.
federal income tax laws (such as, for example, a dealer or broker in securities, commodities, or foreign currencies, a trader
in securities that elects to apply a mark-to-market method of accounting, a bank or financial institution of certain other kinds,
an insurance company, a regulated investment company or real estate investment trust, a tax-exempt organization, a holder subject
to the alternative minimum tax provisions of the Code, an S corporation, a holder whose functional currency is not the U.S. dollar,
a holder who holds shares of Spirit common stock as part of a hedge, straddle, constructive sale or conversion transaction or
other integrated investment, a holder who exercises appraisal rights or dissenters&rsquo; rights, or a holder required to accelerate
the recognition of any item of gross income for U.S. federal income tax purposes with respect to Spirit common stock as a result
of such item being taken into account in an applicable financial statement). This discussion also does not address the tax consequences
for a holder of Spirit stock options or Spirit warrants that receives cash in exchange for such Spirit stock options or Spirit
warrants.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This discussion
does not address any U.S. federal tax consequences other than U.S. federal income tax consequences (including any U.S. federal
estate, gift, Medicare, or alternative minimum taxes), any U.S. state or local, or non-U.S. tax consequences.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If an
entity or an arrangement treated as a partnership for U.S. federal income tax purposes holds Spirit common stock, the tax treatment
of a partner in such partnership generally will depend on the status of the partner and the activities of the partnership. Any
entity treated as a partnership for U.S. federal income tax purposes that holds Spirit common stock, and any partners in such
partnership, are strongly urged to consult their tax advisors about the tax consequences of the merger transactions to them.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The opinion
described below will not be binding on the IRS or any court. Simmons and Spirit have not sought and will not seek any ruling from
the IRS regarding any matters relating to the mergers, and as a result, there can be no assurance that the IRS will not assert,
or that a court would not sustain, a position contrary to any of the conclusions set forth below. In addition, if any of the representations
or assumptions upon which the opinion is based is inconsistent with the actual facts, the U.S. federal income tax consequences
of the merger could be adversely affected.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This discussion,
and the tax opinions referred to below, is based upon the Code, the U.S. Treasury regulations promulgated thereunder, and judicial
and administrative authorities, rulings, and decisions, all as in effect on the date of this proxy statement/prospectus. These
authorities may change, possibly with retroactive effect, and any such change could affect the accuracy of the statements and
conclusions set forth in this discussion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>Determining
the actual tax consequences of the merger to you may be complex and will depend on your specific situation and on factors that
are not within our control. You are strongly urged to consult with your tax advisor as to the specific tax consequences of the
merger in your particular circumstances, including the applicability and effect of the alternative minimum tax and any U.S. federal,
U.S. state or local, or non-U.S. tax laws and of changes in those laws.</I></B></FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">General</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit intend for the merger to qualify as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code.
It is a condition to the obligations of each of Simmons and Spirit to complete the merger that they receive a legal opinion from
Covington, in a form reasonably satisfactory to Simmons and Spirit, to the effect that the merger will qualify as a &ldquo;reorganization&rdquo;
within the meaning of Section 368(a) of the Code. Neither Simmons nor Spirit currently intends to waive this condition to its
obligation to consummate the merger. In the event that Simmons or Spirit waives this condition after this registration statement
is declared effective by the SEC, and if the tax consequences of the merger to Spirit shareholders have materially changed, Spirit
will recirculate appropriate soliciting materials and seek new approval of the merger from the Spirit shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The opinion
of Covington will be based on customary assumptions and representations from Simmons and Spirit, as well as certain covenants
and undertakings by Simmons and Spirit. If any of the assumptions, representations, covenants, or undertakings is incorrect, incomplete,
inaccurate, or is violated, the validity of the opinion described above may be affected and the U.S. federal income tax consequences
of the merger could differ materially from those described in this proxy statement/prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">An opinion
of counsel represents counsel&rsquo;s legal judgment but is not binding on the IRS or any court, so there can be no certainty
that the IRS will not challenge the conclusions reflected in such opinion or that a court would not sustain such a challenge.
Neither Simmons nor Spirit intends to obtain a ruling from the IRS with respect to the tax consequences of the merger. If the
IRS were to successfully challenge the status of the merger as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a)
of the Code, the tax consequences would be different from those set forth in this proxy statement/prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
discussion assumes that the merger qualifies as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">U.S. Federal Income
Tax Consequences of the Merger to U.S. Holders</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A U.S.
holder of Spirit common stock that exchanges its shares of Spirit common stock for Simmons common stock in the merger, except
with respect to cash received in lieu of fractional shares of Simmons common stock, generally will not recognize any gain or loss.
Further, a U.S. holder will have the same aggregate tax basis and holding period in the Simmons common stock received in the merger
(including any fractional shares of Simmons common stock deemed received and exchanged for cash as described below) equal to such
U.S. holder&rsquo;s aggregate tax basis and holding period in the Spirit common stock surrendered in exchange therefor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A U.S.
holder that acquired different blocks of Spirit common stock at different times or different prices should consult its tax advisor
regarding the manner in which the basis and holding period should be allocated among the U.S. holder&rsquo;s Spirit common stock
in the U.S. holder&rsquo;s particular circumstances.</FONT></P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Cash Instead of
Fractional Shares</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If a U.S.
holder receives cash instead of a fractional share of Simmons common stock, such a U.S. holder will be treated as having received
such fractional share of Simmons common stock pursuant to the merger and then as having received cash in exchange for such fractional
share of Simmons common stock in a redemption transaction. As a result, such a U.S. holder generally will recognize gain or loss
equal to the difference between the amount of cash received instead of a fractional share and the U.S. holder&rsquo;s basis in
the fractional share of Simmons common stock as set forth above. Such gain or loss generally will be capital gain or loss and
will be long-term capital gain or loss if, as of the effective time, the U.S. holder&rsquo;s holding period for such fractional
share (including the holding period of shares of Spirit common stock surrendered therefor) exceeds one year.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Information Reporting
and Backup Withholding</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A non-corporate
U.S. holder of Spirit common stock may be subject, under certain circumstances, to information reporting and backup withholding
(currently at a rate of 24 percent) on any cash payments that it receives. Such a U.S. holder generally will not be subject to
backup withholding, however, if it:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">furnishes
                                         a correct taxpayer identification number, certifies that it is not subject to backup
                                         withholding, and otherwise complies with all the applicable requirements of the backup
                                         withholding rules; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">provides
                                         proof that it is otherwise exempt from backup withholding.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any amounts
withheld under the backup withholding rules are not an additional tax and will generally be allowed as a refund or credit against
U.S. federal income tax liability, provided that the required information is timely furnished to the IRS.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">Certain Reporting
Requirements</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">U.S. holders
of Spirit common stock are required to retain permanent records and make such records available to any authorized IRS officers
and employees. The records should include the number of shares of Spirit common stock exchanged, the number of shares of Simmons
common stock received, the fair market value and tax basis of Spirit common stock exchanged and the U.S. holder&rsquo;s tax basis
in the Simmons common stock received.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If a U.S.
holder receives Simmons common stock pursuant to the merger and is considered a &ldquo;significant holder&rdquo; with respect
to Spirit, it will be required (1) to file a statement with its U.S. federal income tax return providing certain facts pertinent
to the merger, including its tax basis in, and the fair market value of, the Spirit common stock that it surrendered in the merger,
and (2) to retain permanent records of these facts relating to the merger. A U.S. holder of Spirit common stock is considered
a &ldquo;significant holder&rdquo; if, immediately before the merger, such holder (a) owned at least 5% (by vote or value) of
the outstanding stock of Spirit or (b) owned Spirit securities with a tax basis of $1.0 million or more.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B><I>This
discussion of certain material U.S. federal income tax consequences is for general information purposes only and is not intended
to be, and may not be construed as, tax advice. Holders of Spirit common stock are urged to consult their tax advisors with respect
to the application of U.S. federal income tax laws to their particular situations as well as any tax consequences arising under
the U.S. federal estate or gift tax rules, or under the laws of any state, local, foreign, or other taxing jurisdiction, or under
any applicable tax treaty.<SUP> </SUP></I></B></FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_064"></A>COMPARISON
OF SHAREHOLDERS&rsquo; RIGHTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>If
the merger is completed, Spirit shareholders will have a right to receive shares of Simmons common stock for their shares of Spirit
common stock. Spirit is organized under the laws of Texas, and Simmons is organized under the laws of Arkansas. Simmons and Spirit
believe that the following summary describes the material differences between (1) the rights of Spirit shareholders as of the
date of this proxy statement/prospectus under the TBOC, the Spirit charter and the Spirit bylaws, and (2) the rights of holders
of Simmons common stock as of the date of this proxy statement/prospectus under the Arkansas Business Corporation Act of 1987,
which we refer to as the ABCA, and the Simmons charter and the Simmons bylaws.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>The
following summary is not a complete statement of the rights of shareholders of the two companies or a complete description of
the specific provisions referred to below. This summary is qualified in its entirety by reference to the TBOC, the ABCA, and Spirit&rsquo;s
and Simmons&rsquo; governing documents, which we urge Spirit shareholders to read. Copies of Simmons&rsquo; governing documents
have been filed with the SEC and copies of each company&rsquo;s governing documents can be found at its respective principal office.
To find out where copies of these documents can be obtained, please see the section entitled &ldquo;Where You Can Find More Information.&rdquo;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I></I></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 16%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></P></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Capitalization:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Spirit charter authorizes
    it to issue up to 50,000,000 shares of common stock, no par value and 5,000,000 shares of preferred stock, par value $1.00
    per share.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Simmons charter authorizes
    it to issue 175,000,000 shares of Class A Common Stock, par value $0.01 per share, and 40,040,000 shares of preferred stock,
    par value $0.01 per share.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Voting Rights:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Spirit charter expressly
    denies the right of cumulative voting for the election of directors or for any other purpose. Otherwise, the Spirit charter
    and the Spirit bylaws do not impose voting restrictions on shares of Spirit common stock.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Each share of Simmons
    common stock carries one vote and has unrestricted voting rights.</FONT></TD></TR>
</TABLE>




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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-left: 0.25pt; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-left: 0.25pt; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Dividend Rights:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Spirit bylaws provide
    that the Spirit board of directors may, from time to time, declare, and Spirit may pay, dividends in cash, property, or in
    shares, subject to the restrictions in the TBOC and Spirit&rsquo;s charter on the outstanding shares of capital stock out
    of funds legally available therefor.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Simmons shareholders are
        entitled to receive dividends as and when declared by the Simmons board of directors. No dividends can be declared on
        Simmons common stock unless a like dividend is declared and paid on outstanding shares of Simmons preferred stock.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Under Section 640 of the
        ABCA, the Simmons board of directors may issue dividends to its shareholders subject to the restrictions in its charter;
        provided that no distribution will be made if, after giving it effect: (1) the corporation would not be able to pay its
        debts as they become due in the usual course of business or (2) the corporation&rsquo;s total assets would be less than
        the sum of its total liabilities plus (unless otherwise permitted in the charter) the amount that would be needed, if
        the corporation were to be dissolved at the time of distribution, to satisfy the preferential rights upon dissolution
        of shareholders whose preferential rights are superior to those receiving the distribution.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Number of Outstanding Shares Before
    the Merger:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">As of January 14,
    2022, there were 17,288,547 shares of Spirit common stock and no shares of Spirit preferred stock outstanding.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">As of January 14,
    2022, there were 112,358,652 shares of Simmons common stock and no shares of Simmons preferred stock outstanding.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Number of Outstanding</I></B> <B><I>Shares
    After the Merger:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Immediately after the
    merger, there will be no shares of Spirit common stock outstanding and no shares of Spirit preferred stock outstanding.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Immediately after the
    merger, Simmons will have approximately 130,242,190 shares of Simmons common stock outstanding and no Simmons
    preferred stock outstanding.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Estimated Voting</I></B> <B><I>Percentage
    After the Merger:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Upon conclusion of the
    merger, it is expected that existing holders of Spirit common stock will own approximately 13.7% of Simmons common
    stock.&#9;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Upon conclusion of the
    merger, it is expected that existing Simmons shareholders will own approximately 86.3% of Simmons common stock.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Rights of Holders of Stock</I></B>
    <B><I>Subject to Future Issuance of Capital Stock:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The rights of holders
    of Spirit common stock may be affected by the future issuance of Spirit common or preferred stock.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The rights of holders
    of Simmons common stock may be affected by the future issuance of Simmons common or preferred stock.</FONT></TD></TR>
</TABLE>



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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; margin-bottom: 12pt">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Pre-Emptive Rights</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Spirit charter provides
    that no holders of any class of shares of Spirit stock have any pre-emptive or preferential right to purchase, subscribe for
    or take any part of any stock issued, optioned, or sold by Spirit.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Simmons charter provides
    that no holders of any class of shares of Simmons stock have a pre-emptive right to purchase, subscribe for or take any part
    of any stock issued, optioned, or sold by Simmons.</FONT></TD></TR>

<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Quorum:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The holders of a majority
    of the Spirit common stock issued and outstanding and entitled to vote, present in person or represented by proxy, will constitute
    a quorum at all meetings of Spirit shareholders for the transaction of business, except as otherwise provided by law. If a
    quorum fails to attend any meeting, the shareholders entitled to vote who are present in person or represented by proxy may
    adjourn the meeting.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Under the Simmons bylaws,
    a majority of the votes entitled to be cast, represented in person or by proxy, constitutes a quorum at a meeting of the shareholders.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Notice of Shareholder</I></B> <B><I>Meetings:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Written or printed notice
        of any meeting of Spirit shareholders must be given not less than ten nor more than 60 days before the day of the meeting.
        The notice must include the place, date and time of the meeting, and in the case of special meetings, the purpose or purposes
        of the meeting.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">A written waiver of any notice
        signed by a Spirit shareholder, whether before or after the time of the event for which notice is to be given, will be
        deemed equivalent to the notice required to be given to such shareholder. Attendance of a shareholder at a meeting will
        constitute a waiver of notice of such meeting, except when the shareholder attends a meeting for the sole purpose of objecting,
        at the beginning of the meeting, to the transaction of any business because the meeting is not lawfully called or convened.</FONT></P></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Simmons bylaws provide
    that written or printed notice stating the place, day and hour of the meeting, and in case of a special meeting, the purpose
    or purposes for which the meeting is called, must be delivered not less than 10 nor more than 60 days before the date of the
    meeting, unless one of the purposes of the meeting is to increase the authorized capital stock or bond indebtedness of Simmons,
    in which case the notice must be delivered not less than 60 nor more than 75 days prior to the date of meeting, either personally
    or by mail, at the direction of the chairman of the Simmons board of directors, the president, the chief executive officer
    or the secretary or the officer or persons calling the meeting of each shareholder of record entitled to vote at such meeting.
    If mailed, such notice is deemed to be delivered when deposited in the United States mail, addressed to the shareholder at
    the address as it appears on the stock transfer books of the corporation, with postage thereon prepaid.</FONT></TD></TR>
</TABLE>




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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Election, Size and</I></B> <B><I>Classification
    of Board of Directors:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">The Spirit charter provides
        that the number of Spirit directors may be fixed from time to time by resolution of the Spirit board of directors, but
        in no case will a decrease in the number of directors shorten the term of an incumbent director. The Spirit charter also
        provides that the full board will be divided into three classes of directors with staggered three-year terms. Each class
        will consist, as nearly as may be possible, of one-third of the total number of directors constituting the full Spirit
        board of directors.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Under the TBOC and the Spirit
        charter, directors of Spirit are elected by a plurality of the votes cast by the holders entitled to vote at the meeting.
        The persons receiving a plurality of the votes cast, up to the number of directors to be elected in such election, will
        be deemed elected. Each director holds office until the next annual meeting of shareholders for the year in which his
        or her respective term expires and until his or her respective successor will be elected and will be qualified or until
        his or her earlier death, resignation, retirement, disqualification or removal from office. Each share of Spirit stock
        has one vote for each nominee for director. The Spirit charter expressly prohibits cumulative voting for the election
        of directors. Directors need not be residents of the State of Texas or Spirit shareholders.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Currently, the Spirit board
        of directors consists of 13 members.</FONT></P></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">The Simmons charter provides
        that the Simmons board of directors will consist of not less than five nor more than 25 directors, the exact number to
        be determined by the vote of the majority of directors or by resolution of the shareholders. The Simmons board of directors
        has the power, in between annual shareholders&rsquo; meetings, to increase the number of directors by two more than the
        number of directors last elected by shareholders, where such number was 15 or less, and by four more than the number of
        directors last elected by the shareholders, where such number 16 or more, but in no event may the number of directors
        exceed 25 without any further action of the shareholders in accordance with the Simmons bylaws.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Directors are elected at
        an annual shareholders&rsquo; meeting, or if the annual meeting is not held, at a special meeting called for the purpose
        of the election of directors. Each director holds office until the next annual meeting of the shareholders and until a
        successor is elected and qualified. Directors are elected by a majority of the votes cast by the shareholders present
        in person or represented by proxy and entitled to vote thereon in an uncontested election. If an election is contested,
        directors are elected by a plurality of the votes cast by the shareholders present in person or represented by proxy and
        entitled to vote thereon. Simmons shareholders are not entitled to cumulative voting in the election of directors.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Currently, the Simmons board
        of directors consists of 16 members</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>




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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Board Vacancies:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Any vacancy occurring on
        the Spirit board of directors may be filled at an annual or special meeting or by the affirmative vote of a majority of
        the directors then in office, even if the remaining directors constitute less than a quorum of the Spirit board of directors.
        Any director so chosen will hold office for the remainder of the term to which the director has been appointed and until
        such director&rsquo;s successor has been elected and qualified.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Any directorship to be filled
        by reason of an increase in the number of directors may be filled at an annual or special meeting or may be filled by
        the board of directors for a term continuing only until the next election of directors by the shareholders. Furthermore,
        the Spirit board of directors may not fill more than two vacancies created by reason of an increase in the number of directors
        during the period between any two successive annual meetings of the shareholders.</FONT></P></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Any vacancy on the Simmons
    board of directors, including an increase in the number of directors, may be filled by the affirmative vote of a majority
    of the remaining directors, even if less than a quorum. Section 810 of the ABCA provides that the shareholders or board of
    directors may fill a vacancy on the board of directors, unless otherwise provided by the charter.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Removal of Directors:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Unless otherwise provided
        in the certificate of formation or the bylaws of a corporation, the TBOC provides that at any meeting of shareholders
        called expressly for the purpose of removing a director, any director or the entire board of directors may be removed,
        with or without cause, by a vote of the holders of a majority of the shares then entitled to vote at any election of directors.</FONT></P>
                                                                          <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">The Spirit bylaws provide
        that any director may be removed only for cause and only by the affirmative vote of a majority of the votes entitled to
        be cast by the shares of the then outstanding Spirit common stock present in person or represented by proxy and entitled
        to vote generally in the election of directors at a duly constituted meeting of Spirit shareholders.</FONT></P></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Simmons charter and
    Simmons bylaws do not address the removal of directors. Section 808 of the ABCA provides that if cumulative voting is not
    authorized one or more directors may be removed, with or without cause, only if the number of votes cast to remove the director
    exceeds the number of votes cast not to remove such director; provided, that, if cumulative voting is authorized, a director
    may not be removed if the number of votes sufficient to elect such director under cumulative voting is voted against his or
    her removal. If a director is elected by a voting group of shareholders, only the shareholders of that voting group may participate
    in the vote to remove him or her. A director also may be removed by the shareholders only at a meeting called for the purpose
    of removing the director and the meeting notice must state that one of the purposes of the meeting is removal of the director.</FONT></TD></TR>
</TABLE>




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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-left: 0.25pt; width: 40%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-left: 0.25pt; width: 40%; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Votes on Extraordinary</I></B> <B><I>Corporate
    Transactions:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Under the TBOC, the affirmative
    vote of the holders of at least two-thirds of the outstanding shares of the corporation entitled to vote is required to approve
    a fundamental business transaction, including mergers, unless a different vote but not less than a majority of the shares
    entitled to vote on the matter, is specified in the certificate of formation. The Spirit charter provides for a majority of
    the shares entitled to vote on the matter.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Simmons charter provides
    that any merger, sale of substantially all of the Simmons&rsquo; assets, liquidation or dissolution, or any reclassification
    of the corporation&rsquo;s securities will require the affirmative vote of the holders of at least 80% of the outstanding
    voting shares, unless such business combination is approved by 80% of the continuing directors of Simmons (as defined in the
    Simmons charter). Under Section 1107 of the ABCA, a plan of merger may be approved if the board of directors recommends the
    merger to the shareholders (subject to certain exceptions) and shareholders entitled to vote approve the plan. Section 1107(g)
    of the ABCA provides that action by the shareholders of the surviving corporation on a plan of merger is not required if:
    (1) the articles of incorporation of the surviving corporation will not differ (except for certain enumerated amendments)
    from its articles before the merger; (2) each shareholder of the surviving corporation whose shares were outstanding immediately
    before the effective date of the merger will hold the same number of shares or the interest comparable to shares in an entity
    other than a corporation, with identical designations, preferences, limitations, and relative rights immediately after the
    merger; (3) the number of voting shares outstanding immediately after the merger plus the number of voting shares issuable
    as a result of the merger either by the conversion of securities issued pursuant to the merger or by the exercise of rights
    and warrants issued pursuant to the merger, will not exceed by more than 20% the total number of voting shares of the surviving
    corporation outstanding immediately before the merger; and (4) the number of participating shares outstanding immediately
    after the merger plus the number of participating shares issuable as a result of the merger either by the conversion of securities
    issued pursuant to the merger or by the exercise of rights and warrants issued pursuant to the merger, will not exceed by
    more than 20% the total number of participating shares outstanding immediately before the merger.</FONT></TD></TR>
</TABLE>



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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; margin-bottom: 12pt">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Under
                                         Section 4-27-1202 of the ABCA, a sale of all or substantially all of the corporation&rsquo;s
                                         assets other than in the regular course of business must be proposed by the board of
                                         directors and the corporation&rsquo;s shareholders must approve the proposed transaction.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Under Section 1202 of the
        ABCA, a sale of all or substantially all of the corporation&rsquo;s assets other than in the regular course of business
        must be proposed by the board of directors and the corporation&rsquo;s shareholders must approve the proposed transaction.</FONT></P></TD></TR>

<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Consideration of Other Constituencies:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Spirit charter and
    bylaws do not address consideration of other constituencies.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The Simmons charter provides
    that after receipt of a tender offer, merger offer, or other acquisitive offer, the Simmons board of directors must consider
    (i) the impact on Simmons, its subsidiaries, shareholders and employees and the communities served by Simmons, (ii) the timeliness
    of the proposed transaction considering the business climate and strategic plans of Simmons, (iii) the existence of any legal
    defects or regulatory issues involved in the proposed transaction, (iv) the possibility of non-consummation of the transaction
    due to lack of financing, regulatory issues or identified issues, (v) current market price of Simmons common stock and its
    consolidated assets, (vi) book value of Simmons common stock, (vii) the relationship of the offered price for Simmons common
    stock to the opinion of the Simmons board of directors of the current value of Simmons in a negotiated transaction, (viii)
    the relationship of the offered price for Simmons common stock to the opinion of the Simmons board of directors of the future
    value of Simmons as an independent entity, and (ix) such other criteria as the Simmons board of directors may determine is
    appropriate.</FONT></TD></TR>
</TABLE>




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<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Charter Amendment:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Under the TBOC, a corporation&rsquo;s certificate of formation may
        be amended by the affirmative vote of the holders of two-thirds of the outstanding shares entitled to vote on the amendment, and,
        if entitled to vote by class or series of shares, by the holders of two-thirds of the outstanding shares of each class or series
        entitled to vote on the amendment, unless a different number, not less than a majority of shares entitled to vote on the matter
        or class or series entitled to vote on the matter, is specified in the corporation&rsquo;s certificate of formation.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Spirit charter does not specifically address amendment of the
        Spirit charter.</P></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Simmons charter provides that it may be amended by the approval
        of 80% of the shares entitled to vote on such amendment, unless such amendment has been approved by an affirmative vote of 80%
        of the Simmons board of directors, or if an interested shareholder is the proponent of such charter amendment, then 80% of the
        incumbent directors on the date preceding the date when the proponent became an interested shareholder. If the proposed amendment
        receives the approval of 80% of the Simmons board of directors or the incumbent directors, as the case may be, the amendment must
        be approved by a majority of the votes entitled to be cast on the amendment at a meeting where a quorum of the Simmons shareholders
        exists.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Under Section 1002 of the ABCA, the board of directors may amend
        the charter of a corporation without shareholder approval to extend its duration, change the name of the corporation to include
        words required by the ABCA, declare a forward stock split in a class of shares if there is only one class outstanding, and for
        certain other ministerial actions. Any other amendment to the charter must first be approved by a majority of the board of directors
        and thereafter by the affirmative vote of a majority of the votes entitled to be cast on the amendment at a shareholders&rsquo;
        meeting where a quorum exists, by any voting group with respect to which the amendment would create dissenters&rsquo; rights, pursuant
        to Section 1003 of the ABCA.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Notwithstanding the foregoing, pursuant to Section 1004 of the ABCA,
        if an amendment would adversely affect a particular class of stock, such amendment would require the approval of a majority of
        the votes of that class, voting as a separate voting group, that are entitled to be cast on the amendment at a shareholders&rsquo;
        meeting where a quorum exists.</P></TD></TR>
</TABLE>




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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 16%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><B><I>Amendment of Bylaws:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Under the TBOC, unless a corporation&rsquo;s certificate of formation
        or a bylaw adopted by the shareholders provides otherwise, a corporation&rsquo;s shareholders may amend the bylaws regardless of
        whether they may also be amended by the board of directors.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Spirit bylaws provide that the Spirit bylaws may be altered,
        amended or repealed from time to time by the Spirit board of directors unless reserved to the Spirit shareholders by law or the
        Spirit charter. The Spirit bylaws may also be altered, amended or repealed by the Spirit shareholders.</P></TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt"><FONT STYLE="font-size: 10pt">The Simmons bylaws provide that they may be amended, altered, or repealed, at any meeting of the Simmons board of directors, by a majority vote. Section 1020 of the ABCA provides that a corporation&rsquo;s board of directors may amend or repeal the corporation&rsquo;s bylaws unless otherwise stated in the corporation&rsquo;s charter or the amendment deals with a particular provision that is reserved for shareholders&rsquo; approval. A corporation&rsquo;s shareholders may amend or repeal the corporation&rsquo;s bylaws even though the bylaws may also be amended by the board of directors.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><B><I>Business Combination Involving Interested Shareholders:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt"><FONT STYLE="font-size: 10pt">The Spirit charter and Spirit bylaws do not include special provisions regarding business combinations involving interested shareholders.</FONT></TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt"><FONT STYLE="font-size: 10pt">The Simmons charter and Simmons bylaws do not include special provisions regarding business combinations involving interested shareholders.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><B><I>Special Meetings of Shareholders:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Under the TBOC, special meetings of the shareholders of a corporation
        may be called by the president, by the corporation&rsquo;s board of directors or by any other person authorized to call special
        meetings by the certificate of formation or bylaws of the corporation. A special meeting may also be called by the holder of the
        percentage of shares specified in the certificate of formation, not to exceed 50% of the shares entitled to vote, or if no percentage
        is specified therein, at least 10% of all of the shares of the corporation entitled to vote at the proposed special meeting.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Spirit charter and Spirit bylaws provide that special meetings
        of the shareholders may be called at any time by the president, by the chief executive officer, by the Spirit board of directors
        or by the holders of at least 50% of all shares issued, outstanding and entitled to vote at such meeting. Business transacted at
        the special meeting will be confined to the purpose or purposes stated in the notice of such meeting.</P></TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Simmons bylaws provide that special meetings of shareholders
        may be called by the chairman of the Simmons board of directors, president, chief executive officer or by the majority of the Simmons
        board of directors, and may be called by the chairman of the Simmons board of directors or president at the request of the holders
        of not less than one-tenth of all the outstanding shares of Simmons entitled to vote at a meeting.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Under Section 702 of the ABCA, a corporation will hold a special
        meeting of shareholders if called by the board of directors, the person authorized to do so by the charter or bylaws, or the holders
        of at least 10% of all votes entitled to be cast on any issue proposed to be considered at the proposed special meeting.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD></TR>
</TABLE>



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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-left: 0.25pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-left: 0.25pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 16%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B><I>Shareholder Right to</I></B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B><I>Make Proposals and
        to</I></B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B><I>Nominate Directors:</I></B></FONT></P></TD>
    <TD STYLE="padding: 0.25pt; width: 2%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; width: 40%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Except with respect to the
        nomination of directors, proposals for business to be brought before any shareholder meeting may be made by any shareholder
        entitled to vote in such meeting if such shareholder (i)&nbsp;was a shareholder at the time such shareholder gave advance
        notice (as described below) and at the time of the meeting, (ii)&nbsp;is entitled to vote for the election of directors
        at such meeting and (iii)&nbsp;complies with specific advance notice procedures. A shareholder who desires to propose
        business must give timely written notice of his or her intent to propose such business. To be timely, a shareholder&rsquo;s
        notice for an annual meeting of shareholders must be delivered to or mailed and received at the principal executive office
        of Spirit not less than 75&nbsp;days nor more than 100 days prior to the first anniversary of the date of Spirit&rsquo;s
        notice to shareholders in connection with the previous year&rsquo;s annual meeting of shareholders.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">A shareholder&rsquo;s proper
        written notice to the Secretary must set forth: (i) a brief description of the business desired to be brought before the
        annual meeting and the reasons for conducting such business at the annual meeting; (ii) the name and address, as they
        appear on Spirit&rsquo;s corporate books, of the shareholder proposing such business; (iii) as of the date of the
        notice and as of the record date for the meeting: (a) the class or series and number of shares of Spirit that are
        beneficially owned by such shareholder, (b) any option, warrant, convertible security, stock appreciation
        right, or similar right with an exercise or conversion privilege or a settlement payment or &ldquo;derivative instrument&rdquo;
        directly or indirectly owned beneficially by such shareholder, (c) any proxy, contract, arrangement, understanding,
        or relationship pursuant to which such </FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 1pt 1in; text-indent: -24pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P></TD>
    <TD STYLE="padding: 0.25pt; width: 2%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; width: 40%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">The Simmons bylaws provide
        that a shareholder of record or a person who holds shares of Simmons stock through a nominee or street name holder of
        record (provided such person can provide evidence of their authority to vote such stock) may nominate directors and propose
        new business to be taken up at any annual meeting of the shareholders if such shareholder is entitled to vote on such
        nomination or proposal. In order for a shareholder to make any such nominations or proposals for an annual meeting, he
        or she must give notice in writing of such nomination or proposal to the Simmons secretary not less 90 nor more than 120
        days prior to the first anniversary of the prior years&rsquo; annual meeting of shareholders. If Simmons did not hold
        an annual meeting the prior year or if the date of the meeting has moved more than 30 days from what it was in the prior
        year, notice is timely if delivered to Simmons&rsquo; secretary no later than 10 days after Simmons announces the date
        of the current years&rsquo; annual meeting or 90 days before the current years&rsquo; annual meeting, whichever is later.
        If a special meeting of shareholders includes the election of directors, a shareholder may provide a nomination not later
        than 10 days after Simmons publically announces such special meeting.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">A shareholder&rsquo;s notice
        to the Simmons secretary must include (i) with respect to the nomination of directors, all information relating to such
        person required to be disclosed in solicitations of proxies for elections of directors under the Exchange Act, (ii) with
        respect to other business proposals, a brief description of the business proposed, the text of the of the proposal or
        business, the reasons for conduct such business and any material interest of the shareholder, (iii) the name and address
        of the proposing shareholder and the beneficial owner, if any, the number of shares of Simmons stock held by such shareholder
        and other required information related to the shareholder&rsquo;s interest in Simmons and the business proposed.</FONT></P></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;<B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">shareholder has a right
    to vote any shares of any security of Spirit, (d) any short interest in any security of Spirit, (e) any rights to dividends
    on the shares of Spirit owned beneficially by such shareholder, (f) any proportionate interest in shares of Spirit
    or derivative instruments held, directly or indirectly, by a general or limited partnership in which such shareholder is a
    general partner or, directly or indirectly, beneficially owned an interest in a general partner thereof, and (g) any
    performance-related fees that such shareholder is entitled to based on any increase or decrease in the value of shares of
    Spirit or derivative instruments as of the date of such notice, including without limitation any such interests held by members
    of such shareholder&rsquo;s immediate family sharing the same household; and (iv) a representation that the shareholder is
    a holder of record of stock of Spirit entitled to vote at the meeting and intends to appear in person or by proxy at the meeting
    to propose such business.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; text-align: center"></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; text-align: center"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 16%"><FONT STYLE="font-size: 10pt"><B><I>Shareholder Ability to Act</I></B> <B><I>by Written Consent:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; width: 40%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Under the TBOC, shareholders may act without a meeting if a written
        consent is signed by all of the shareholders entitled to vote on the matter, unless the corporation&rsquo;s certificate of formation
        allows less than unanimous consent (but not less that the number of votes necessary to take such action at a meeting at which the
        holders of all shares entitled to vote on such action were present and voted).</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Spirit charter and Spirit bylaws provide that any action required
        or permitted by law to be taken at a meeting of the shareholders of Spirit may be taken without a meeting, without prior notice
        and without a vote if a consent or consents in writing, setting forth the action so taken, will be signed be the holder or holders
        of all shares issued, outstanding and entitled to vote on such matter.</P></TD>
    <TD STYLE="padding: 0.25pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; width: 40%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">The Simmons charter and Simmons bylaws do not address whether
        Simmons shareholders have the ability to act by written consent.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Generally, under Section 704 of the ABCA, any action required
        to be taken at a shareholder meeting may be taken without a meeting if one or more consents, setting forth the action so taken,
        are signed by the holders of outstanding shares having not less than the minimum number of votes that would be necessary to authorize
        to take such action at a meeting at which all shares entitled to vote are present and voted.</P></TD></TR>
</TABLE>



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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; margin-bottom: 0">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.25pt; padding-right: 0.25pt; border-bottom: Black 1pt solid; padding-left: 0.25pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 16%"><FONT STYLE="font-size: 10pt"><B><I>Indemnification of</I></B> <B><I>Directors and Officers; Insurance; Personal Liability:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; width: 40%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Spirit charter and Spirit bylaws provide for mandatory indemnification
        to the fullest extent allowed by the TBOC for all persons who are or were serving at the request of Spirit as a director, officer,
        partner or trustee of another foreign or domestic corporation, partnership, joint venture, trust or employee benefit plan, to the
        same extent that Spirit is obligated to indemnify and pay or reimburse expenses to directors. Under the TBOC, a corporation must
        indemnify a director for his or her service at the corporation and for service at the corporation as a representative of another
        entity against reasonable expenses actually incurred by the director in connection with a proceeding because of such service if
        the director is wholly successful, on the merits or otherwise, in the defense of the proceeding.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"> The Spirit bylaws provide that advancement of expenses
        to its directors and officers is mandatory.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Spirit bylaws provide that Spirit may at the discretion of the
        board of directors purchase and maintain insurance on behalf of Spirit and any person whom Spirit has the power to indemnify.</P></TD>
    <TD STYLE="padding: 0.25pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; width: 40%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Simmons charter and Simmons bylaws provide that any director
        or officer who is made party to an action by reason of the fact that he or she was a director or officer of Simmons will be indemnified
        and held harmless to the fullest extent legally permissible under the ABCA for expenses reasonably incurred in connection with
        the action.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Expenses incurred by a director or officer of Simmons in defending
        a civil or criminal action, suit or proceeding by reason of the fact that person is, or was, a director or officer of Simmons,
        must be paid by Simmons in advance of the final disposition of such action suit or proceeding upon authorization by the Simmons
        board of directors by a majority vote of a quorum consisting of directors who are not parties to the action, suit or proceeding
        and if such a quorum is unobtainable, if a quorum of disinterested directors so directs, then by independent legal counsel in a
        written opinion or by the Simmons shareholders.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Under the Simmons charter and Simmons bylaws, the Simmons
board of directors may cause Simmons to purchase and maintain insurance on behalf of any director or officer of Simmons against
any liability, whether or not Simmons would have the power to indemnify such person. Section 850 of the ABCA provides that a corporation
may indemnify any person who was made a party to a proceeding for the reason he or she is a director, officer or employee of the
corporation against expenses, judgments, fines and amounts paid in settlement actually and reasonably incurred in connection with
the proceeding, if he or she acted in good faith and in a manner he or she reasonably believed to be in, or not opposed to, the
best interests of the corporation and, with respect to any criminal action or proceeding, had no reasonable cause to believe his
or her conduct was unlawful. The corporation must indemnify a director, officer, or employee who has been successful on the merits
at a proceeding that he or she was a party because he or she is a director, officer, or employee of the corporation.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; margin-bottom: 0">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Spirit</B></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Simmons</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 16%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 40%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD STYLE="width: 40%; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">No
                                         indemnification may be made if the person will have been adjudged liable to the corporation
                                         unless otherwise specified by the court. The Simmons charter provides, to the fullest
                                         extent permitted by the ABCA, that a director will not be liable to Simmons or its shareholders
                                         for monetary damages for a breach of fiduciary duty as a director.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Section 830 of the ABCA provides
        that if a director complies with the standard of conduct under the ABCA, the director may not be liable for any action
        taken as a director, or failure to take such action.</FONT></P></TD></TR>

<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; text-align: center"></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; font: 10pt Times New Roman, Times, Serif; text-align: center"></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 16%"><FONT STYLE="font-size: 10pt"><B><I>Shareholders&rsquo; Rights of Dissent:</I></B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%"><FONT STYLE="font-size: 10pt">Under the TBOC, a shareholder
    of Spirit has the rights of dissent and appraisal with respect to a fundamental business transaction, defined as a merger,
    interest exchange, conversion, or sale of all or substantially all assets.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 40%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Under Section 1302 of the
        ABCA, a shareholder is entitled to dissent from and obtain payment of the fair value of the shareholder&rsquo;s shares
        in the event of certain extraordinary corporate actions such as a plan of conversion, merger, share exchange, sale of
        substantially all of the assets, or certain amendments to the charter.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Sections 1320 through 1331
        of the ABCA provide the process of obtaining payment which consists of the shareholder delivering notice of intent to
        demand payment, shareholder must not vote his or her shares in favor of the proposed action, certify whether he or she
        acquired ownership of the shares prior to the corporate action, deposit his or her certificates if shareholder rejects
        the corporation&rsquo;s offer, and judicial appraisal of the value of the shares if shareholder rejects the corporation&rsquo;s
        offer. The ABCA also places certain obligations on the corporation such as providing dissenters&rsquo; notice to all shareholders.
        A shareholder entitled to dissent and obtain payment for the shareholder&rsquo;s shares may not challenge the corporate
        action creating the shareholder&rsquo;s entitlement unless such action is unlawful or fraudulent with respect to the shareholder
        or the corporation.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B><I>Control Share Acquisition:</I></B></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt 0.25pt 6pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No &ldquo;control
    share acquisition,&rdquo; &ldquo;business combination moratorium,&rdquo; &ldquo;fair price&rdquo; or other form of anti-takeover
    statute or regulation is applicable to Spirit under the TBOC.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">No &ldquo;control share
    acquisition,&rdquo; &ldquo;business combination moratorium,&rdquo; &ldquo;fair price&rdquo; or other form of anti-takeover
    statute or regulation is applicable to Simmons under Arkansas law.</FONT></TD></TR>
</TABLE>





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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_065"></A>LEGAL
MATTERS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The validity
of the Simmons common stock to be issued in connection with the merger will be passed upon for Simmons by Friday, Eldredge &amp;
Clark, LLP. Covington will deliver at the effective time its opinion to Simmons and Spirit as to certain United States federal
income tax consequences of the merger. See the section entitled &ldquo;Material U.S. Federal Income Tax Consequences Relating
to the Merger.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>






<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_066"></A>EXPERTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><I>Simmons</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The audited
annual consolidated financial statements of Simmons appearing in Simmons&rsquo; Annual Report on Form 10-K for the year ended
December 31, 2020 and the effectiveness of Simmons&rsquo; internal control over financial reporting as of such date have been
audited by BKD, LLP, Simmons&rsquo; independent registered public accounting firm, or BKD, as set forth in its reports included
therein, which are incorporated herein by reference. Such consolidated financial statements are incorporated herein by reference
in reliance upon such reports given on the authority of such firm as experts in auditing and accounting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">With respect
to the unaudited interim consolidated financial information of Simmons appearing in its Quarterly Reports on Form 10-Q for the
periods ended March 31, 2021, June 30, 2021 and September 30, 2021, that are incorporated herein by reference, BKD has applied
limited procedures in accordance with professional standards for review of such information. However, as stated in its separate
report included therein, BKD did not audit and it does not express an opinion on that interim financial information. Because of
the limited nature of the review procedures applied, the degree of reliance on its reports on such information should be restricted.
Pursuant to Rule 436(c) under the Securities Act, this report on Simmons&rsquo; unaudited interim consolidated financial information
should not be considered a part of the registration statement prepared or certified by its independent registered public accounting
firm within the meaning of Sections 7 and 11 of the Securities Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><I>Spirit</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The consolidated
financial statements of Spirit as of December 31, 2020 and 2019 and for each of the three years in the period ended December 31,
2020 incorporated by reference in this proxy statement/prospectus have been so incorporated in reliance on the report of BDO USA,
LLP, an independent registered public accounting firm, incorporated herein by reference, given on the authority of said firm as
experts in auditing and accounting.</FONT></P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_067"></A>OTHER
MATTERS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As of
the date of this proxy statement/prospectus, the Spirit board of directors does not know of any matters that will be presented
for consideration at the Spirit special meeting other than as described in this proxy statement/prospectus. However, if any other
matter properly comes before the Spirit special meeting or any adjournment or postponement thereof and is voted upon, the proposed
proxies will be deemed to confer authority to the individuals named as authorized therein to vote the shares represented by the
proxy as to any matters that fall within the purposes set forth in the notice of special meeting.</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_068"></A>SIMMONS
ANNUAL MEETING SHAREHOLDER PROPOSALS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
shareholders who intend to submit proposals pursuant to Rule 14a-8 of the Exchange Act to be presented at Simmons&rsquo; 2022
Annual Meeting of Shareholders and included in Simmons&rsquo; proxy statement relating to such meeting must have submitted such
proposals to the Corporate Secretary of Simmons at Simmons&rsquo; principal executive offices no later than December 16, 2021.
Such proposals must also comply with the additional requirements of Rule 14a-8 of the Exchange Act (or any successor rule) to
be eligible for inclusion in the proxy statement for Simmons&rsquo; 2022 Annual Meeting of Shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
the Simmons bylaws provide that only such business (including, without limitation, the nomination of persons for election to the
Simmons board of directors) which is properly brought before a Simmons shareholder meeting will be conducted. For business (including,
without limitation, the nomination of persons for election to the Simons board of directors) to be properly brought before an
annual meeting of Simmons shareholders by a Simmons shareholder, the shareholder must provide notice to the Corporate Secretary
of Simmons at Simmons&rsquo; principal executive offices not later than 90 days nor earlier than 120 days prior to the first anniversary
of the prior year&rsquo;s annual meeting of Simmons shareholders. In the event that Simmons did not hold an annual meeting of
the shareholders in the prior year or if the first anniversary of the prior year&rsquo;s annual meeting of Simmons shareholders
is more than 30 days before or after the date of the current year&rsquo;s annual meeting of Simmons shareholders, the shareholder&rsquo;s
notice is timely only if it is delivered to the Corporate Secretary of Simmons at the principal executive offices of Simmons no
later than the 10th day after Simmons publicly announces the date of the current year&rsquo;s annual meeting of Simmons shareholders
or the 90th day before the date of the current year&rsquo;s annual meeting of Simmons shareholders, whichever is later. To be
in proper written form, a shareholder&rsquo;s notice to Simmons&rsquo; Corporate Secretary must comply with all requirements contained
in the Simmons bylaws, a copy of which may be obtained upon written request to the Corporate Secretary of Simmons.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Accordingly,
a Simmons shareholder who intended to raise a proposal to be acted upon at Simmons&rsquo; 2022 Annual Meeting of Shareholders,
but who did not desire to include the same in Simmons&rsquo; 2022 proxy statement, must have provided written notice to Simmons&rsquo;
Corporate Secretary no earlier than January 20, 2022 nor later than February 19, 2022. The persons named as proxies in Simmons&rsquo;
proxy for Simmons&rsquo; 2022 Annual Meeting of Shareholders may exercise their discretionary authority to act upon any proposal
which is properly brought before a shareholder meeting, and Simmons reserves the right to reject, rule out of order or take other
appropriate action with respect to any proposal that does not comply with these and other applicable requirements.</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_069"></A>SPIRIT
ANNUAL MEETING SHAREHOLDER PROPOSALS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the
merger is consummated, the separate corporate existence of Spirit will terminate and there will be no future meetings of Spirit
shareholders. If the merger is consummated in the second quarter of 2022, as is currently anticipated, Spirit will not expect
to hold its 2022 annual meeting of Spirit shareholders. However, if the merger is not consummated within the anticipated time
frame, or at all, Spirit may hold an annual meeting of Spirit shareholders in 2022.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Spirit
shareholders who, in accordance with Rule 14a-8 under the Exchange Act, desire to submit a shareholder proposal for inclusion
in the proxy statement to be distributed to Spirit shareholders in connection with the 2022 annual meeting of Spirit shareholders,
such proposal and supporting statements, if any, must have been received by Spirit at Spirit&rsquo;s principal executive office
no later than December 17, 2021. Any such proposal must comply with the requirements of Rule 14a-8.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
the Spirit bylaws provide that only such business which is properly brought before a shareholder meeting will be conducted. For
business, other than nomination of directors, to be properly brought before a meeting, notice must be received by Spirit&rsquo;s
corporate secretary at the address below not less than 75 nor more than 100 calendar days prior to the first anniversary of the
preceding year&rsquo;s annual meeting. Spirit&rsquo;s corporate secretary, therefore, must receive notice of any business to be
considered at the 2022 annual meeting of Spirit shareholders, no earlier than February 16, 2022 and no later than March 13, 2022.
Additionally, for nominations of persons for election to the board of directors to be properly made at a meeting by a shareholder,
notice must be received by Spirit&rsquo;s corporate secretary at the address below not less than 75 nor more than 100 calendar
days prior to the first anniversary of the preceding year&rsquo;s annual meeting. Spirit&rsquo;s corporate secretary, therefore,
must receive notice of shareholder nomination for candidates no earlier than February 16, 2022 and no later than March 13, 2022.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">However,
in the case of shareholder proposals and shareholder nominations, if the date of an annual meeting is advanced more than 50 calendar
days prior to such anniversary date, then the notice must be received no later than the close of business on the 10th calendar
day following the day on which such notice of the date of the annual meeting was first mailed or public disclosure of the date
of the annual meeting was first made, whichever first occurs. All notices to Spirit must also provide certain information set
forth in the Spirit bylaws. A copy of the Spirit bylaws may be obtained upon written request to Spirit&rsquo;s corporate secretary.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Shareholder
proposals and nominations should be submitted to Spirit&rsquo;s corporate secretary at Spirit of Texas Bancshares, Inc., Attention:
Corporate Secretary, 1836 Spirit of Texas Way, Conroe, Texas 77301.</FONT></P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i21655a_070"></A>WHERE
YOU CAN FIND MORE INFORMATION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
has filed with the SEC a registration statement under the Securities Act that registers the offer and sale to Spirit shareholders
of the shares of Simmons common stock to be issued in connection with the merger. This proxy statement/prospectus is a part of
that registration statement and constitutes the prospectus of Simmons in addition to being a proxy statement for Spirit shareholders.
The registration statement, including this proxy statement/prospectus and the attached exhibits, contains additional relevant
information about Simmons and Simmons common stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
and Spirit also file reports, proxy statements and other information with the SEC under the Exchange Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The SEC
maintains a website that contains reports, proxy statements and other information about issuers, such as Simmons and Spirit, that
file electronically with the SEC. The address of the site is www.sec.gov. The reports and other information filed by Simmons with
the SEC are also available at Simmons&rsquo; website at www.simmonsbank.com and Spirit&rsquo;s website at www.sotb.com. The website
addresses of the SEC, Simmons and Spirit are included as inactive textual references only. Except as specifically incorporated
by reference into this proxy statement/prospectus, information on those websites is not part of this proxy statement/prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The SEC
allows Simmons and Spirit to incorporate by reference information in this proxy statement/prospectus. This means that Simmons
and Spirit can disclose important information to you by referring you to another document filed separately with the SEC. The information
incorporated by reference is considered to be a part of this proxy statement/prospectus, except for any information that is superseded
by information that is included directly in this proxy statement/prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This proxy
statement/prospectus incorporates by reference the documents listed below that Simmons and Spirit previously filed with the SEC.
They contain important information about the companies and their financial condition.</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; width: 49%; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt"><B>Simmons
    SEC Filings (SEC File No. 000-06253)</B></FONT></td>
    <TD STYLE="vertical-align: bottom; width: 3%; padding: 0.25pt 0.25pt 1.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 48%; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt"><B>Period
    or Date Filed</B></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Annual Report
    on Form 10-K (including the portions of Simmons&rsquo; Definitive Proxy Statement on Schedule 14A, filed with the SEC on April
    15, 2021, incorporated by reference therein)</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000162828021003318/sfnc-20201231.htm">Year ended December 31, 2020</A>, filed with the SEC on February 25, 2021.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Quarterly
    Reports on Form 10-Q</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000162828021009237/sfnc-20210331.htm">Quarter
    ended March 31, 2021</A>, filed with the SEC on May 6, 2021, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000162828021016022/sfnc-20210630.htm">Quarter ended June 30, 2021</A>, filed with the SEC on August 6, 2021
    and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000162828021021932/sfnc-20210930.htm">Quarter ended September 30, 2021</A>, filed with the SEC on November 5, 2021.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Current
    Reports on Form 8-K</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Filed
    with the SEC on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321001481/f8k_030321.htm">March 3, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321002265/f8k_040121.htm">April 1, 2021</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321002675/f8k_042221.htm">April 22, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321003704/f8k_052121.htm">May 21, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321003772/f8k_052521.htm">May 25, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321004150/f8k_060721.htm">June 7, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321005115/f8k_072621.htm">July 27, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321005585/f8k_080521.htm">August 5, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321006937/f8k_100821.htm">October 12, 2021</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/90498/000117184321008092/f8k_111921.htm">November 19, 2021</A> (other than those portions of the documents deemed to be furnished and not
    filed).</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Description
    of Simmons common stock</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
    description of the Simmons common stock is contained in <A HREF="https://www.sec.gov/Archives/edgar/data/90498/000110465921044802/tm2110173-1_s3asr.htm" STYLE="-sec-extract: exhibit">Simmons&rsquo; registration statement filed on March 31, 2021</A> set forth in the section entitled &ldquo;Description of Common Stock,&rdquo; as
    updated and amended from time to time.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</TABLE>



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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; width: 49%"><FONT STYLE="font-size: 10pt"><B>Spirit
    SEC Filings (SEC File No. 001-38484)</B></FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; width: 48%"><FONT STYLE="font-size: 10pt"><B>Period
    or Date Filed</B></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 12pt 0.25pt 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Annual
    Report on Form 10-K (including the portions of Spirit&rsquo;s Definitive Proxy Statement on Schedule 14A, filed with
    the SEC on April 9, 2021, incorporated by reference therein)</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="text-align: left; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000156459021011144/stxb-10k_20201231.htm">Year ended December 31, 2020</A>, filed with the SEC on March 5, 2021.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Quarterly
    Reports on Form 10-Q</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000156459021022397/stxb-10q_20210331.htm">Quarter ended March 31, 2021</A>, filed with the SEC on April 30, 2021, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000156459021042208/stxb-10q_20210630.htm">Quarter ended June 30, 2021</A>, filed with the SEC on August 6, 2021
    and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000156459021054908/stxb-10q_20210930.htm">Quarter ended September 30, 2021</A>, filed with the SEC on November 5, 2021.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Current
    Reports on Form 8-K</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Filed
    with the SEC on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312521006063/d101325d8k.htm">January 11, 2021</A>,
    <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312521060789/d586838d8ka.htm">February 26, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312521082500/d159544d8k.htm">March
    16, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312521177182/d142064d8k.htm">May 28, 2021</A>,
    <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312521191203/d113542d8k.htm">June 15, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312521192261/d140411d8k.htm">June
    16, 2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000156459021045258/stxb-8k_20210820.htm">August 20,
    2021</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312521334544/d626374d8k.htm">November 19, 2021,</A>
    <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312521339605/d264366d8k.htm">November 24, 2021</A> and
    <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1499453/000119312522001826/d442982d8k.htm" STYLE="-sec-extract: exhibit">January 4, 2022</A> (other than those portions of the documents deemed to be furnished and not filed).</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Description
    of Spirit common stock</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
    description of the Spirit common stock is contained in <A HREF="https://www.sec.gov/Archives/edgar/data/1499453/000119312519202681/d753665d424b5.htm">Spirit&rsquo;s prospectus filed pursuant to Rule 424(b)(5) under the Securities Act on July 25, 2019</A> set forth under the heading &ldquo;Description of Common Stock,&rdquo; as updated and amended
    from time to time.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
Simmons and Spirit also incorporate by reference additional documents that they file with the SEC under Sections 13(a), 13(c),
14 and 15(d) of the Exchange Act between the date of this proxy statement/prospectus and the date the offering is terminated,
provided that Simmons and Spirit are not incorporating by reference any information furnished to, but not filed with, the SEC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Documents
incorporated by reference into this proxy statement/prospectus are available from Simmons or Spirit, as applicable, without charge,
excluding any exhibits to those documents unless the exhibit is specifically incorporated by reference as an exhibit in this proxy
statement/prospectus. You can obtain documents incorporated by reference into this proxy statement/prospectus or other relevant
corporate documents referenced in this proxy statement/prospectus related to Simmons by requesting them in writing or by telephone
at the following address and phone number:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Simmons
        First National Corporation</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">601 E. 3rd
        Street, 12th Floor</FONT><FONT STYLE="font-size: 10pt"><BR> Little Rock, Arkansas 72201<BR>
        Attention: Ed Bilek<BR>
        Telephone: (870) 541-1000</FONT></P></td>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Spirit
        of Texas Bancshares, Inc.</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">1836
        Spirit of Texas Way</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Conroe,
        Texas 77301</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Attention:
        Jerry D. Golemon</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Telephone:
        (936) 521-1836</FONT></P></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If you
are a Spirit shareholder and have any questions concerning the Spirit special meeting, the merger, the merger agreement or the
proxy statement/prospectus, would like additional copies of the proxy statement/prospectus without charge or need help voting
your shares of Spirit common stock, please contact Spirit at the address above.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>These
documents are available without charge upon written or oral request. To obtain timely delivery of these documents, you must request
them no later than February 16, 2022 in order to receive them before the Spirit special meeting. If you request any documents
from Simmons or Spirit, Simmons or Spirit will mail them to you by first class mail, or another equally prompt means, within one
business day after receiving your request.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No one
has been authorized to provide you with information that is different from that contained in, or incorporated by reference into,
this document. This document is dated [ ], 2022 and you should assume that the information in this document is accurate only as
of such date. You should assume that the information incorporated by reference into this document is accurate as of the date of
such document. Neither the mailing of this document to Spirit<B> </B>shareholders nor the issuance by Simmons of shares of Simmons
common stock in connection with the merger will create any implication to the contrary.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>This
proxy statement/prospectus does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, or the
solicitation of a proxy, in any jurisdiction to or from any person to whom or from whom it is unlawful to make any such offer
or solicitation in that jurisdiction.</B> <B>Except where the context otherwise indicates, information contained in this document
regarding Simmons has been provided by Simmons and information contained in this document regarding Spirit has been provided by
Spirit.</B></FONT></P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: right"><FONT STYLE="font-size: 10pt"><B><U><A NAME="annex_a"></A>Annex
A</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>AGREEMENT
AND PLAN OF MERGER</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>BY AND BETWEEN</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>SIMMONS FIRST
NATIONAL CORPORATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>AND</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>SPIRIT OF
TEXAS BANCSHARES, INC.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Dated as of
November 18, 2021</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><U>TABLE
OF CONTENTS</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_001"><FONT STYLE="font-size: 10pt"><B>ARTICLE 1</B> TRANSACTIONS AND TERMS OF MERGER</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 15%; padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_002"><FONT STYLE="font-size: 10pt"><B>1.1.</B></FONT></A></td>
    <TD STYLE="width: 80%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_002"><FONT STYLE="font-size: 10pt">Merger.</FONT></A></td>
    <TD STYLE="width: 5%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_003"><FONT STYLE="font-size: 10pt"><B>1.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_003"><FONT STYLE="font-size: 10pt">Time and Place of Closing.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_004"><FONT STYLE="font-size: 10pt"><B>1.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_004"><FONT STYLE="font-size: 10pt">Effective Time.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_005"><FONT STYLE="font-size: 10pt"><B>1.4.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_005"><FONT STYLE="font-size: 10pt">Charter.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_006"><FONT STYLE="font-size: 10pt"><B>1.5.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_006"><FONT STYLE="font-size: 10pt">Bylaws.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_007"><FONT STYLE="font-size: 10pt"><B>1.6.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_007"><FONT STYLE="font-size: 10pt">Directors and Officers.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_008"><FONT STYLE="font-size: 10pt"><B>1.7.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_008"><FONT STYLE="font-size: 10pt">Bank Merger.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_009"><FONT STYLE="font-size: 10pt"><B>ARTICLE 2</B> MANNER OF CONVERTING SHARES</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_010"><FONT STYLE="font-size: 10pt"><B>2.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#i21655b_010">Conversion of Shares.</A></FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_011"><FONT STYLE="font-size: 10pt"><B>2.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_011"><FONT STYLE="font-size: 10pt">Anti-Dilution Provisions.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_012"><FONT STYLE="font-size: 10pt"><B>2.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_012"><FONT STYLE="font-size: 10pt">Treatment of Seller Equity Rights.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_013"><FONT STYLE="font-size: 10pt"><B>2.4.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_013"><FONT STYLE="font-size: 10pt">Fractional Shares.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-4</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_014"><FONT STYLE="font-size: 10pt"><B>ARTICLE 3</B> EXCHANGE OF SHARES</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-5</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_015"><FONT STYLE="font-size: 10pt"><B>3.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_015"><FONT STYLE="font-size: 10pt">Exchange Procedures.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-5</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_016"><FONT STYLE="font-size: 10pt"><B>3.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_016"><FONT STYLE="font-size: 10pt">Dissenting Shareholders.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-7</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_017"><FONT STYLE="font-size: 10pt"><B>ARTICLE 4</B> REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-7</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_018"><FONT STYLE="font-size: 10pt"><B>4.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_018"><FONT STYLE="font-size: 10pt">Organization, Standing, and Power.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-7</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_019"><FONT STYLE="font-size: 10pt"><B>4.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_019"><FONT STYLE="font-size: 10pt">Authority of Seller; No Breach by Agreement.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-8</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_020"><FONT STYLE="font-size: 10pt"><B>4.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_020"><FONT STYLE="font-size: 10pt">Capitalization of Seller.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-9</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_021"><FONT STYLE="font-size: 10pt"><B>4.4.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_021"><FONT STYLE="font-size: 10pt">Capitalization of Seller Bank.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-10</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_022"><FONT STYLE="font-size: 10pt"><B>4.5.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_022"><FONT STYLE="font-size: 10pt">Seller Subsidiaries.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-10</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_023"><FONT STYLE="font-size: 10pt"><B>4.6.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_023"><FONT STYLE="font-size: 10pt">Regulatory Reports.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-10</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_024"><FONT STYLE="font-size: 10pt"><B>4.7.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_024"><FONT STYLE="font-size: 10pt">Financial Matters.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-11</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_025"><FONT STYLE="font-size: 10pt"><B>4.8.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_025"><FONT STYLE="font-size: 10pt">Books and Records.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-13</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_026"><FONT STYLE="font-size: 10pt"><B>4.9.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_026"><FONT STYLE="font-size: 10pt">Absence of Undisclosed Liabilities.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-13</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_027"><FONT STYLE="font-size: 10pt"><B>4.10.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_027"><FONT STYLE="font-size: 10pt">Absence of Certain Changes or Events.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-13</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_028"><FONT STYLE="font-size: 10pt"><B>4.11.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_028"><FONT STYLE="font-size: 10pt">Tax.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-14</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_029"><FONT STYLE="font-size: 10pt"><B>4.12.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_029"><FONT STYLE="font-size: 10pt">Assets.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-15</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_030"><FONT STYLE="font-size: 10pt"><B>4.13.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_030"><FONT STYLE="font-size: 10pt">Intellectual Property; Privacy.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-16</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_031"><FONT STYLE="font-size: 10pt"><B>4.14.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_031"><FONT STYLE="font-size: 10pt">Environmental Matters.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-17</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_032"><FONT STYLE="font-size: 10pt"><B>4.15.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_032"><FONT STYLE="font-size: 10pt">Compliance with Laws.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-17</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_033"><FONT STYLE="font-size: 10pt"><B>4.16.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_033"><FONT STYLE="font-size: 10pt">Foreign Corrupt Practices.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-18</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_034"><FONT STYLE="font-size: 10pt"><B>4.17.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_034"><FONT STYLE="font-size: 10pt">Community Reinvestment Act Performance.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_035"><FONT STYLE="font-size: 10pt"><B>4.18.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_035"><FONT STYLE="font-size: 10pt">Labor Relations.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></td></tr>

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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_036"><FONT STYLE="font-size: 10pt"><B>4.19.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_036"><FONT STYLE="font-size: 10pt">Employee Benefit Plans.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-21</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_037"><FONT STYLE="font-size: 10pt"><B>4.20.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_037"><FONT STYLE="font-size: 10pt">Material Contracts.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-23</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_038"><FONT STYLE="font-size: 10pt"><B>4.21.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_038"><FONT STYLE="font-size: 10pt">Agreements with Regulatory Authorities.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-24</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_039"><FONT STYLE="font-size: 10pt"><B>4.22.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_039"><FONT STYLE="font-size: 10pt">Investment Securities.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-25</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_040"><FONT STYLE="font-size: 10pt"><B>4.23.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_040"><FONT STYLE="font-size: 10pt">Derivative Instruments and Transactions.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-25</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_041"><FONT STYLE="font-size: 10pt"><B>4.24.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_041"><FONT STYLE="font-size: 10pt">Legal Proceedings.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-25</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_042"><FONT STYLE="font-size: 10pt"><B>4.25.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_042"><FONT STYLE="font-size: 10pt">Statements True and Correct.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-26</FONT></td></tr>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.25pt 20.25pt"><A HREF="#i21655b_043"><FONT STYLE="font-size: 10pt"><B>4.26.</B></FONT></A></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_043"><FONT STYLE="font-size: 10pt">State Takeover Statutes and Takeover Provisions.</FONT></A></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: right"><FONT STYLE="font-size: 10pt">A-26</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_044"><FONT STYLE="font-size: 10pt"><B>4.27.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_044"><FONT STYLE="font-size: 10pt">Opinion of Financial Advisor.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-26</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif; width: 15%"><A HREF="#i21655b_045"><FONT STYLE="font-size: 10pt"><B>4.28.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 80%"><A HREF="#i21655b_045"><FONT STYLE="font-size: 10pt">Tax and Regulatory Matters.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right; width: 5%"><FONT STYLE="font-size: 10pt">A-26</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_046"><FONT STYLE="font-size: 10pt"><B>4.29.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_046"><FONT STYLE="font-size: 10pt">Loan Matters.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-27</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_047"><FONT STYLE="font-size: 10pt"><B>4.30.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_047"><FONT STYLE="font-size: 10pt">Deposits.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-28</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_048"><FONT STYLE="font-size: 10pt"><B>4.31.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_048"><FONT STYLE="font-size: 10pt">Allowance for Loan and Lease Losses.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-28</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_049"><FONT STYLE="font-size: 10pt"><B>4.32.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_049"><FONT STYLE="font-size: 10pt">Insurance.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-28</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_050"><FONT STYLE="font-size: 10pt"><B>4.33.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_050"><FONT STYLE="font-size: 10pt">OFAC; Sanctions.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-28</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_051"><FONT STYLE="font-size: 10pt"><B>4.34.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_051"><FONT STYLE="font-size: 10pt">Brokers and Finders.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_052"><FONT STYLE="font-size: 10pt"><B>4.35.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_052"><FONT STYLE="font-size: 10pt">Transactions with Affiliates and Insiders.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_053"><FONT STYLE="font-size: 10pt"><B>4.36.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_053"><FONT STYLE="font-size: 10pt">No Investment Adviser Subsidiary.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_054"><FONT STYLE="font-size: 10pt"><B>4.37.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_054"><FONT STYLE="font-size: 10pt">No Broker-Dealer Subsidiary.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_055"><FONT STYLE="font-size: 10pt"><B>4.38.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_055"><FONT STYLE="font-size: 10pt">No Insurance Subsidiary.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
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    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_056"><FONT STYLE="font-size: 10pt"><B>ARTICLE 5</B> REPRESENTATIONS AND WARRANTIES OF BUYER</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></td></tr>
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_057"><FONT STYLE="font-size: 10pt"><B>5.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_057"><FONT STYLE="font-size: 10pt">Reserved.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_058"><FONT STYLE="font-size: 10pt"><B>5.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_058"><FONT STYLE="font-size: 10pt">Organization, Standing, and Power.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_059"><FONT STYLE="font-size: 10pt"><B>5.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_059"><FONT STYLE="font-size: 10pt">Authority; No Breach by Agreement.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-30</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_060"><FONT STYLE="font-size: 10pt"><B>5.4.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_060"><FONT STYLE="font-size: 10pt">Capitalization of Buyer.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-31</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_061"><FONT STYLE="font-size: 10pt"><B>5.5.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_061"><FONT STYLE="font-size: 10pt">Buyer Subsidiaries.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-31</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_062"><FONT STYLE="font-size: 10pt"><B>5.6.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_062"><FONT STYLE="font-size: 10pt">Regulatory Reports.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-31</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_063"><FONT STYLE="font-size: 10pt"><B>5.7.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_063"><FONT STYLE="font-size: 10pt">Financial Matters.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-32</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_064"><FONT STYLE="font-size: 10pt"><B>5.8.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_064"><FONT STYLE="font-size: 10pt">Absence of Undisclosed Liabilities.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-34</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_065"><FONT STYLE="font-size: 10pt"><B>5.9.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_065"><FONT STYLE="font-size: 10pt">Absence of Certain Changes or Events.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-34</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_066"><FONT STYLE="font-size: 10pt"><B>5.10.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_066"><FONT STYLE="font-size: 10pt">Tax.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-34</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_067"><FONT STYLE="font-size: 10pt"><B>5.11.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_067"><FONT STYLE="font-size: 10pt">Compliance with Laws.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-34</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_068"><FONT STYLE="font-size: 10pt"><B>5.12.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_068"><FONT STYLE="font-size: 10pt">Legal Proceedings.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-35</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_069"><FONT STYLE="font-size: 10pt"><B>5.13.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_069"><FONT STYLE="font-size: 10pt">Statements True and Correct.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-35</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_070"><FONT STYLE="font-size: 10pt"><B>5.14.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_070"><FONT STYLE="font-size: 10pt">Tax and Regulatory Matters.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-35</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_071"><FONT STYLE="font-size: 10pt"><B>5.15.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_071"><FONT STYLE="font-size: 10pt">Brokers and Finders.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-36</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_072"><FONT STYLE="font-size: 10pt"><B>ARTICLE 6</B> CONDUCT OF BUSINESS PENDING CONSUMMATION</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-36</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_073"><FONT STYLE="font-size: 10pt"><B>6.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_073"><FONT STYLE="font-size: 10pt">Affirmative Covenants of Seller.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-36</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_074"><FONT STYLE="font-size: 10pt"><B>6.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_074"><FONT STYLE="font-size: 10pt">Negative Covenants of Seller.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-36</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_075"><FONT STYLE="font-size: 10pt"><B>6.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_075"><FONT STYLE="font-size: 10pt">Covenants of Buyer.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-40</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_076"><FONT STYLE="font-size: 10pt"><B>6.4.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_076"><FONT STYLE="font-size: 10pt">Reports.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-41</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_077"><FONT STYLE="font-size: 10pt"><B>ARTICLE 7</B> ADDITIONAL AGREEMENTS</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-41</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_078"><FONT STYLE="font-size: 10pt"><B>7.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_078"><FONT STYLE="font-size: 10pt">Registration Statement; Proxy Statement/Prospectus; Shareholder Approval.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-41</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_079"><FONT STYLE="font-size: 10pt"><B>7.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_079"><FONT STYLE="font-size: 10pt">Acquisition Proposals.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-42</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_080"><FONT STYLE="font-size: 10pt"><B>7.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_080"><FONT STYLE="font-size: 10pt">Exchange Listing.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-44</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_081"><FONT STYLE="font-size: 10pt"><B>7.4.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_081"><FONT STYLE="font-size: 10pt">Consents of Regulatory Authorities.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-44</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_082"><FONT STYLE="font-size: 10pt"><B>7.5.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_082"><FONT STYLE="font-size: 10pt">Access to Information; Confidentiality and Notification of Certain Matters.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-45</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_083"><FONT STYLE="font-size: 10pt"><B>7.6.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_083"><FONT STYLE="font-size: 10pt">Press Releases.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-46</FONT></td></tr>

<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_084"><FONT STYLE="font-size: 10pt"><B>7.7.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_084"><FONT STYLE="font-size: 10pt">Tax Treatment.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-46</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_085"><FONT STYLE="font-size: 10pt"><B>7.8.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_085"><FONT STYLE="font-size: 10pt">Employee Benefits and Contracts.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-47</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_086"><FONT STYLE="font-size: 10pt"><B>7.9.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_086"><FONT STYLE="font-size: 10pt">Indemnification.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-48</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_087"><FONT STYLE="font-size: 10pt"><B>7.10.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_087"><FONT STYLE="font-size: 10pt">Seller Operating Functions.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-49</FONT></td></tr>

<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.25pt 20.25pt"><A HREF="#i21655b_088"><FONT STYLE="font-size: 10pt"><B>7.11.</B></FONT></A></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_088"><FONT STYLE="font-size: 10pt">Shareholder Litigation.</FONT></A></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: right"><FONT STYLE="font-size: 10pt">A-50</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_089"><FONT STYLE="font-size: 10pt"><B>7.12.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_089"><FONT STYLE="font-size: 10pt">Legal Conditions to Merger; Additional Agreements.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-50</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_090"><FONT STYLE="font-size: 10pt"><B>7.13.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_090"><FONT STYLE="font-size: 10pt">Closing Financial Statements.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-50</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_091"><FONT STYLE="font-size: 10pt"><B>7.14.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_091"><FONT STYLE="font-size: 10pt">Dividends.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-51</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_092"><FONT STYLE="font-size: 10pt"><B>7.15.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_092"><FONT STYLE="font-size: 10pt">Change of Method.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-51</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif; width: 15%"><A HREF="#i21655b_093"><FONT STYLE="font-size: 10pt"><B>7.16.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 80%"><A HREF="#i21655b_093"><FONT STYLE="font-size: 10pt">Restructuring Efforts.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right; width: 5%"><FONT STYLE="font-size: 10pt">A-51</FONT></td></tr>
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    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_094"><FONT STYLE="font-size: 10pt"><B>7.17.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_094"><FONT STYLE="font-size: 10pt">Takeover Statutes.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-51</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_095"><FONT STYLE="font-size: 10pt"><B>7.18.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_095"><FONT STYLE="font-size: 10pt">Exemption from Liability under Section 16(b).</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_096"><FONT STYLE="font-size: 10pt"><B>7.19.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_096"><FONT STYLE="font-size: 10pt">Document Archiving.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_097"><FONT STYLE="font-size: 10pt"><B>7.20.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_097"><FONT STYLE="font-size: 10pt">Subordinated Notes.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_098"><FONT STYLE="font-size: 10pt"><B>ARTICLE 8</B> CONDITIONS PRECEDENT TO OBLIGATIONS TO CONSUMMATE</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_099"><FONT STYLE="font-size: 10pt"><B>8.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_099"><FONT STYLE="font-size: 10pt">Conditions to Obligations of Each Party.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_100"><FONT STYLE="font-size: 10pt"><B>8.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_100"><FONT STYLE="font-size: 10pt">Conditions to Obligations of Buyer.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-53</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_101"><FONT STYLE="font-size: 10pt"><B>8.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_101"><FONT STYLE="font-size: 10pt">Conditions to Obligations of Seller.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-55</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_102"><FONT STYLE="font-size: 10pt"><B>ARTICLE 9</B> TERMINATION</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-55</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_103"><FONT STYLE="font-size: 10pt"><B>9.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_103"><FONT STYLE="font-size: 10pt">Termination.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-55</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_104"><FONT STYLE="font-size: 10pt"><B>9.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_104"><FONT STYLE="font-size: 10pt">Effect of Termination.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-56</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_105"><FONT STYLE="font-size: 10pt"><B>9.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_105"><FONT STYLE="font-size: 10pt">Non-Survival of Representations and Covenants.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-56</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><A HREF="#i21655b_106"><FONT STYLE="font-size: 10pt"><B>ARTICLE 10</B> MISCELLANEOUS</FONT></A></TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-57</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_107"><FONT STYLE="font-size: 10pt"><B>10.1.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_107"><FONT STYLE="font-size: 10pt">Definitions.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-57</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_108"><FONT STYLE="font-size: 10pt"><B>10.2.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_108"><FONT STYLE="font-size: 10pt">Referenced Pages.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-68</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_109"><FONT STYLE="font-size: 10pt"><B>10.3.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_109"><FONT STYLE="font-size: 10pt">Expenses.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-70</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_110"><FONT STYLE="font-size: 10pt"><B>10.4.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_110"><FONT STYLE="font-size: 10pt">Entire Agreement; No Third-Party Beneficiaries.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_111"><FONT STYLE="font-size: 10pt"><B>10.5.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_111"><FONT STYLE="font-size: 10pt">Amendments.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_112"><FONT STYLE="font-size: 10pt"><B>10.6.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_112"><FONT STYLE="font-size: 10pt">Waivers.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_113"><FONT STYLE="font-size: 10pt"><B>10.7.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_113"><FONT STYLE="font-size: 10pt">Assignment.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_114"><FONT STYLE="font-size: 10pt"><B>10.8.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_114"><FONT STYLE="font-size: 10pt">Notices.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_115"><FONT STYLE="font-size: 10pt"><B>10.9.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_115"><FONT STYLE="font-size: 10pt">Governing Law; Jurisdiction; Waiver of Jury Trial</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-73</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_116"><FONT STYLE="font-size: 10pt"><B>10.10.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_116"><FONT STYLE="font-size: 10pt">Counterparts; Signatures.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-73</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_117"><FONT STYLE="font-size: 10pt"><B>10.11.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_117"><FONT STYLE="font-size: 10pt">Captions; Articles and Sections.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-74</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_118"><FONT STYLE="font-size: 10pt"><B>10.12.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_118"><FONT STYLE="font-size: 10pt">Interpretations.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-74</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_119"><FONT STYLE="font-size: 10pt"><B>10.13.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_119"><FONT STYLE="font-size: 10pt">Enforcement of Agreement.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-74</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_120"><FONT STYLE="font-size: 10pt"><B>10.14.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_120"><FONT STYLE="font-size: 10pt">Severability.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-74</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_121"><FONT STYLE="font-size: 10pt"><B>10.15.</B></FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#i21655b_121"><FONT STYLE="font-size: 10pt">Confidential Supervisory Information.</FONT></A></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-74</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 20.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><U>Exhibit A</U> - Form of Seller
Voting Agreement</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Seller&rsquo;s Disclosure Memorandum</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Buyer&rsquo;s Disclosure Memorandum</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>AGREEMENT
AND PLAN OF MERGER</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>THIS
AGREEMENT AND PLAN OF MERGER</B> (this &ldquo;<U>Agreement</U>&rdquo;) is made and entered into as of November 18, 2021, by and
between Simmons First National Corporation, an Arkansas corporation (&ldquo;<U>Buyer</U>&rdquo;), and Spirit of Texas Bancshares,
Inc., a Texas corporation (&ldquo;<U>Seller</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Preamble</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
respective boards of directors of Seller and Buyer have approved and adopted this Agreement and determined that this Agreement
and the transactions contemplated hereby are advisable and in the best interests of their respective companies and their respective
shareholders. Under the terms and subject to the conditions of this Agreement and in accordance with applicable provisions of
the Arkansas Business Corporation Act of 1987 (the &ldquo;<U>ABCA</U>&rdquo;) and the Texas Business Organizations Code (the &ldquo;<U>TBOC</U>&rdquo;),
Seller will merge with and into Buyer (the &ldquo;<U>Merger</U>&rdquo;), with Buyer as the surviving corporation in the Merger
(sometimes referred to in such capacity as the &ldquo;<U>Surviving Corporation</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As
a condition and an inducement for Buyer to enter into this Agreement, each of the directors and certain executive officers of
Seller has simultaneously with the execution of this Agreement entered into a Support and Non-Competition Agreement (each a &ldquo;<U>Voting
Agreement</U>&rdquo; and collectively, the &ldquo;<U>Voting Agreements</U>&rdquo;) in connection with the Merger, in substantially
the form of <U>Exhibit A</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Parties intend that the Merger will qualify as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Internal
Revenue Code, and the Parties intend that this Agreement will be, and hereby is, adopted as a &ldquo;plan of reorganization&rdquo;
within the meaning of Section 368(a) of the Internal Revenue Code and Treasury Regulation Sections 1.368-2(g) and 1.368-3(a) for
purposes of Sections 354, 356 and 361 of the Internal Revenue Code (and any comparable provision of state or local Law) for federal
income tax purposes (and applicable state and local income tax purposes).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Parties desire to make certain representations, warranties, covenants and agreements in connection with the Merger and also to
prescribe certain conditions to the Merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Capitalized
terms used in this Agreement and not otherwise defined herein are defined in Section 10.1 of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>NOW,
THEREFORE</B>, in consideration of the foregoing and the mutual warranties, representations, covenants, and agreements set forth
herein, and intending to be legally bound hereby, the Parties agree as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A NAME="i21655b_001"></A><B>ARTICLE
1</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>TRANSACTIONS AND TERMS OF MERGER</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_002"></A>1.1. Merger.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
the terms and subject to the conditions of this Agreement, at the Effective Time, Seller shall be merged with and into Buyer in
accordance with applicable provisions of the ABCA and the TBOC with the effects set forth in the ABCA and the TBOC. Buyer shall
be the surviving corporation resulting from the Merger, and shall succeed to and assume all the rights and obligations of Seller
in accordance with the ABCA and the TBOC. Upon consummation of the Merger, the separate corporate existence of Seller shall terminate.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_003"></A>1.2.
Time and Place of Closing.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
closing of the transactions contemplated hereby (the &ldquo;<U>Closing</U>&rdquo;) will take place at the offices of Buyer, located
at 601 E. 3<SUP>rd</SUP> Street, Little Rock, Arkansas, 72201, or by electronic exchange of documents at 10:00 A.M., Central Time,
on the date that the Effective Time occurs, or at such other date and time as the Parties, acting through their authorized officers,
may mutually agree in writing (the &ldquo;<U>Closing Date</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_004"></A>1.3. Effective
Time.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Merger shall become effective (the &ldquo;<U>Effective Time</U>&rdquo;) on the date and at the time specified in the articles
of merger to be filed with the Secretary of State of the State of Arkansas and the certificate of merger to be filed with the
Secretary of State of the State of Texas. Upon the terms and subject to the conditions hereof, unless otherwise mutually agreed
upon in writing by the authorized officers of each Party, the Parties shall cause the Effective Time to occur by the later of
(i) April 8, 2022, or (ii) a date within 30 days following satisfaction or waiver (subject to applicable Law) of the last to occur
of the conditions set forth in ARTICLE 8 (other than those conditions that by their nature are to be satisfied or waived at the
Effective Time) as determined by Buyer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_005"></A>1.4. Charter.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Amended and Restated Articles of Incorporation of Buyer in effect immediately prior to the Effective Time shall be the articles
of incorporation of the Surviving Corporation until duly amended or repealed in accordance with its terms and applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_006"></A>1.5. Bylaws.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Bylaws of Buyer in effect immediately prior to the Effective Time shall be the bylaws of the Surviving Corporation until duly
amended or repealed in accordance with its terms and applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_007"></A>1.6. Directors
and Officers.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
directors of Buyer in office immediately prior to the Effective Time shall serve as the directors of the Surviving Corporation
from and after the Effective Time in accordance with the bylaws of the Surviving Corporation. The officers of Buyer in office
immediately prior to the Effective Time shall serve as the officers of the Surviving Corporation from and after the Effective
Time in accordance with the bylaws of the Surviving Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_008"></A>1.7. Bank
Merger.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Immediately
following the Merger, Seller Bank will merge with and into Buyer Bank (the &ldquo;<U>Bank Merger</U>&rdquo;). Buyer Bank shall
be the surviving entity (&ldquo;<U>Surviving Entity</U>&rdquo;) in the Bank Merger. Following the Bank Merger, the separate corporate
existence of Seller Bank shall terminate. The Parties agree that the Bank Merger shall become effective immediately following
the Effective Time. The Bank Merger shall be implemented pursuant to a subsidiary plan of merger (the &ldquo;<U>Subsidiary Plan
of Merger</U>&rdquo;). In order to obtain the necessary regulatory approvals for the Bank Merger, the Parties shall cause the
following to be accomplished prior to the filing of applications for regulatory approval of the Bank Merger: (i) Seller shall
cause Seller Bank to approve the Subsidiary Plan of Merger, Seller as the sole shareholder of Seller Bank, shall approve the Subsidiary
Plan of Merger and Seller shall cause the Subsidiary Plan of Merger to be duly executed by Seller Bank and delivered to Buyer
Bank and (ii) Buyer shall cause Buyer Bank to approve the Subsidiary Plan of Merger, Buyer as the sole shareholder of Buyer Bank,
shall approve the Subsidiary Plan of Merger and Buyer shall cause Buyer Bank to duly execute and deliver the Subsidiary Plan of
Merger to Seller Bank. Prior to the Effective Time, Seller shall cause Seller Bank, and Buyer shall cause Buyer Bank, to execute
and file such articles of merger, required merger certificates, and such other documents and certificates as are necessary to
make the Bank Merger effective immediately following the Effective Time.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B><A NAME="i21655b_009"></A>ARTICLE
2</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>MANNER OF CONVERTING SHARES</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_010"></A>2.1. Conversion
of Shares.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject
to the provisions of this ARTICLE 2, at the Effective Time, by virtue of the Merger and without any action on the part of Buyer,
Seller or the shareholders of either of the foregoing, the shares of Seller and Buyer shall be converted as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each share of capital stock of Buyer issued and outstanding immediately prior to the Effective Time shall remain an issued and
outstanding share of capital stock of Buyer from and after the Effective Time and shall not be affected by the Merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each share of Seller capital stock issued and outstanding immediately prior to the Effective Time that is held by Seller, any
Seller Subsidiary, Buyer or any Buyer Subsidiary (in each case other than shares held in any Employee Benefit Plans or related
trust accounts or otherwise held in any fiduciary or agency capacity or as a result of debts previously contracted) (collectively,
the &ldquo;<U>Canceled Shares</U>&rdquo;) shall automatically be canceled and retired and shall cease to exist, and no payment
shall be made with respect thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Each share of Seller Common Stock issued and outstanding immediately prior to the Effective Time (excluding the Canceled Shares
and the Seller Dissenting Shares), subject to Section 2.3(c), shall be converted into the right to receive, without interest,
the Per Share Stock Consideration.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
Each share of Seller Common Stock, when so converted pursuant to Section 2.1(c), shall automatically be canceled and retired and
shall cease to exist as of the Effective Time, and each certificate (an &ldquo;<U>Old Certificate</U>&rdquo;, it being understood
that any reference herein to &ldquo;Old Certificate&rdquo; shall be deemed to include reference to book-entry account statements
relating to ownership of shares of Seller Common Stock (a &ldquo;<U>Book-Entry Share</U>&rdquo;)) registered in the transfer books
of Seller that immediately prior to the Effective Time represented shares of Seller Common Stock shall thereafter cease to have
any rights with respect to such Seller Common Stock other than the right to receive the Merger Consideration in accordance with
ARTICLE 3.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_011"></A>2.2. Anti-Dilution
Provisions.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
the event Buyer changes the number of shares of Buyer Common Stock issued and outstanding between the date of this Agreement and
the Effective Time as a result of a stock split, stock dividend, or recapitalization or similar corporate action with respect
to such stock and the record date therefor (in the case of a stock dividend) or the effective date thereof (in the case of a stock
split or similar recapitalization for which a record date is not established) shall be between the date of this Agreement and
the Effective Time, the Merger Consideration shall be equitably and proportionately adjusted, if necessary and without duplication,
to reflect fully the effect of any such change.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_012"></A>2.3. Treatment
of Seller Equity Rights.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
At the Effective Time, each option granted by Seller to purchase shares of Seller Common Stock under Seller&rsquo;s ST Financial
Group, Inc. 2008 Stock Plan and Seller&rsquo;s ST Financial Group, Inc. 2017 Stock Incentive Plan (each as amended from time to
time), whether vested or unvested, that is outstanding and unexercised immediately prior to the Effective Time (a &ldquo;<U>Seller
Stock Option</U>&rdquo;) shall be canceled and converted into the right to receive from Buyer a cash payment (&ldquo;<U>Seller
Stock Option Payout</U>&rdquo;) equal to the applicable Seller Stock Option Amount. Notwithstanding the foregoing, any Seller
Stock Option with an Option Exercise Price that equals or exceeds the Fully Diluted Per Share Value shall be canceled with no
consideration being paid to the optionholder with respect to such Seller Stock Option. Buyer and Seller shall work cooperatively
to facilitate the Seller Stock Option Payouts.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
At the Effective Time, each warrant granted by Seller to purchase shares of Seller Common Stock under the Seller Warrant Agreements,
whether vested or unvested, that is outstanding and unexercised immediately prior to the Effective Time (a &ldquo;<U>Seller Warrant</U>&rdquo;)
shall be canceled and converted into the right to receive from Buyer a cash payment (&ldquo;<U>Seller Warrant Payout</U>&rdquo;)
equal to the applicable Seller Warrant Amount, all in accordance with the Warrant Cancellation Agreements. Notwithstanding the
foregoing, any Seller Warrant with a Warrant Exercise Price that equals or exceeds the Fully Diluted Per Share Value shall be
canceled with no consideration being paid to the warrantholder with respect to such Seller Warrant. Buyer and Seller shall work
cooperatively to facilitate the Seller Warrant Payouts.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Notwithstanding anything herein to the contrary, if, before giving effect to this Section 2.3(c), the Cash Consideration would
be less than $0.00, then (i) the Aggregate Cash Consideration shall be increased such that the Cash Consideration equals $0.00
(the amount by which the Aggregate Cash Consideration is increased shall be referred to as the &ldquo;<U>Aggregate Cash Increase</U>&rdquo;)
and (ii) the Stock Consideration shall be decreased by the number of shares of Buyer Common Stock equal to the quotient obtained
by dividing the Aggregate Cash Increase by the Average Closing Price (for the avoidance of doubt, if the quotient includes a fractional
share, then the quotient shall be rounded up to the next whole share (for example, if the quotient is 1,000.34, then the quotient
shall be rounded up to 1,001)). The foregoing adjustments and the effects thereof (based on certain assumptions) are illustrated
in Section 2.3(c) of Buyer&rsquo;s Disclosure Memorandum.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
At the Effective Time, each unit in respect of a share of Seller Common Stock subject to vesting, repurchase, performance or other
lapse restriction under Seller&rsquo;s ST Financial Group, Inc. 2017 Stock Incentive Plan (as amended from time to time) that
is outstanding immediately prior to the Effective Time (a &ldquo;<U>Seller Restricted Stock Unit</U>&rdquo;) shall fully vest
and shall be canceled and converted into the right to receive the Per Share Stock Consideration payable pursuant to Section 2.1(c),
treating the Seller Restricted Stock Units as if they are shares of Seller Common Stock for such purposes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
Without limiting Section 7.8 hereof, the board of directors of Seller or any committee thereof, as applicable, shall, prior to
the Closing and effective as of no later than the day immediately prior to, and contingent upon, the Closing (or such earlier
time as may be applicable), adopt any resolutions and take any actions (which may include allowing holders of Seller Stock Options
an opportunity to exercise such Seller Stock Options), and cause any actions to be taken, that are necessary or, in the reasonable
determination of Buyer, advisable to effectuate the provisions of this Section 2.3, including having all holders of Seller Warrants
execute a Warrant Cancellation Agreement to effectuate the provision in Section 2.3(b) and so that upon the Effective Time, there
are no outstanding Seller Warrants.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_013"></A>2.4. Fractional
Shares.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
certificate, book-entry share or scrip representing fractional shares of Buyer Common Stock shall be issued upon the surrender
for exchange of Old Certificates (or the exchange of Seller Restricted Stock Units), no dividend or distribution with respect
to Buyer Common Stock shall be payable on or with respect to any such fractional share interests, and such fractional share interests
will not entitle the owner thereof to vote or to any other rights of a shareholder of Buyer. Notwithstanding any other provision
of this Agreement, each holder of shares of Seller Common Stock or Seller Restricted Stock Units exchanged pursuant to the Merger
who would otherwise have been entitled to receive a fraction of a share of Buyer Common Stock (after taking into account all Old
Certificates delivered, and all Seller Restricted Stock Units held, by such Holder) shall receive, in lieu thereof, a cash payment
rounded up to the nearest whole cent (without interest), which payment shall be determined by multiplying (i) the fraction of
a share (rounded to the nearest thousandth when expressed in decimal form) of Buyer Common Stock that such holder of shares of
Seller Common Stock or Seller Restricted Stock Units would otherwise have been entitled to receive pursuant to Sections 2.1(c)
and 2.3(d) by (ii) the Average Closing Price (the &ldquo;<U>Fractional Share Payment</U>&rdquo;).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A NAME="i21655b_014"></A><B>ARTICLE
3</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>EXCHANGE OF SHARES</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_015"></A>3.1. Exchange
Procedures.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Deposit of Exchange Fund</U>. At or promptly following the Effective Time, Buyer shall deposit, or shall cause to be deposited,
with Computershare, Buyer&rsquo;s transfer agent, or another exchange agent reasonably acceptable to Buyer (the &ldquo;<U>Exchange
Agent</U>&rdquo;), for the benefit of the holders of record of shares of Seller Common Stock (excluding the Canceled Shares) issued
and outstanding immediately prior to the Effective Time and the holders of record of Seller Restricted Stock Units (collectively,
the &ldquo;<U>Holders</U>&rdquo;), for exchange in accordance with this ARTICLE 3, (i) certificates or, at Buyer&rsquo;s option,
evidence of Buyer Common Stock in book-entry form issuable pursuant to Section 2.1(c) (collectively referred to as &ldquo;<U>Buyer
Certificates</U>&rdquo;) for shares of Buyer Common Stock equal to the Stock Consideration (for the avoidance of doubt, as may
be adjusted under Section 2.3(c)) and (ii) immediately available funds for (A) any Fractional Share Payments to the extent then
determinable and (B), after the Effective Time, if applicable, any dividends or distributions which such Holders have the right
to receive pursuant to Section 3.1(d) (collectively, the &ldquo;<U>Exchange Fund</U>&rdquo;). Buyer shall instruct the Exchange
Agent to timely pay the Exchange Fund in accordance with this Agreement. The cash portion of the Exchange Fund shall be invested
by the Exchange Agent as directed by Buyer or the Surviving Corporation. Interest and other income on the Exchange Fund shall
be the sole and exclusive property of Buyer and the Surviving Corporation and shall be paid to Buyer or the Surviving Corporation,
as Buyer directs. No investment of the Exchange Fund shall relieve Buyer, the Surviving Corporation or the Exchange Agent from
making the payments required by this Agreement and following any losses from any such investment, Buyer shall promptly provide
additional funds to the Exchange Agent to the extent necessary to satisfy Buyer&rsquo;s obligations hereunder for the benefit
of the Holders, which additional funds will be deemed to be part of the Exchange Fund.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Delivery of Merger Consideration</U>. As soon as reasonably practicable after the Effective Time, the Exchange Agent shall
mail to each Holder of an Old Certificate that is not a Book-Entry Share (but including an Old Certificate that is a Book-Entry
Share, as well as a Seller Restricted Stock Unit, if required by the Exchange Agent or at the request of Buyer) a notice advising
such Holders of the effectiveness of the Merger, including a customary letter of transmittal specifying that delivery shall be
effected, and risk of loss and title to the Old Certificates (including Book-Entry Shares, if applicable) shall pass, only upon
proper delivery of the Old Certificates (including Book-Entry Shares, if applicable), and instructions for surrendering the Old
Certificates (including Book-Entry Shares, if applicable), to the Exchange Agent (such materials and instructions to include customary
provisions with respect to delivery of an &ldquo;agent&rsquo;s message&rdquo; with respect to Book-Entry Shares). Upon proper
surrender of an Old Certificate (including Book-Entry Shares, if applicable), for exchange and cancellation to the Exchange Agent,
together with the appropriate transmittal materials, duly completed and validly executed in accordance with the instructions thereto,
and such other documents as may be required pursuant to such instructions, the Holder of such Old Certificate shall be entitled
to receive in exchange therefor the Merger Consideration and such Old Certificate so surrendered shall forthwith be canceled.
No interest will be paid or accrued for the benefit of Holders on the Merger Consideration payable upon the surrender of the Old
Certificates. The Per Share Stock Consideration delivered to each Holder shall be in non-certificated book-entry form.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Share Transfer Books</U>. At the Effective Time, the share transfer books of Seller shall be closed, and thereafter there shall
be no further registration of transfers of shares of Seller Common Stock. From and after the Effective Time, Holders who held
shares of Seller Common Stock immediately prior to the Effective Time shall cease to have rights with respect to such shares,
except as otherwise provided for herein. Until surrendered for exchange in accordance with the provisions of this Section 3.1,
each Old Certificate (including, for the avoidance of doubt, each Book-Entry Share) theretofore representing shares of Seller
Common Stock (other than the Canceled Shares) shall from and after the Effective Time represent for all purposes only the right
to receive the consideration provided in this Agreement in exchange therefor. On or after the Effective Time, any Old Certificates
presented to the Exchange Agent, Buyer or the Surviving Corporation for any reason shall be canceled and exchanged for the Merger
Consideration.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
<U>Dividends with Respect to Buyer Common Stock</U>. No dividends or other distributions declared with respect to Buyer Common
Stock with a record date after the Effective Time shall be paid to the Holder of any unsurrendered Old Certificate with respect
to the whole shares of Buyer Common Stock issuable with respect to such Old Certificate in accordance with this Agreement until
the surrender of such Old Certificate (or affidavit of loss in lieu thereof) in accordance with this Agreement. Subject to applicable
Laws, following surrender of any such Old Certificate (or affidavit of loss and other documentation required by the Exchange Agent,
Buyer, or the Surviving Corporation hereunder in lieu thereof) there shall be paid to the record holder of the whole shares of
Buyer Common Stock, if any, issued in exchange therefor, without interest, (i) all dividends and other distributions payable in
respect of any such whole shares of Buyer Common Stock with a record date after the Effective Time and a payment date on or prior
to the date of such surrender and not previously paid and (ii) at the appropriate payment date, the amount of dividends or other
distributions with a record date after the Effective Time but prior to such surrender and with a payment date subsequent to such
surrender payable with respect to such shares of Buyer Common Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
<U>Termination of Exchange Fund</U>. Any portion of the Exchange Fund (including any interest and other income received with respect
thereto) which remains undistributed to the former Holders on the first anniversary of the Effective Time shall be delivered to
Buyer; and any former Holders who have not theretofore received any Merger Consideration to which they are entitled under this
Agreement shall thereafter look only to Buyer and the Surviving Corporation for payment of their claims with respect thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
<U>No Liability</U>. If any Old Certificates shall not have been surrendered (or canceled) prior to three years after the Effective
Time (or immediately prior to such earlier date on which the Merger Consideration would escheat to or become the property of any
Regulatory Authority), any such Merger Consideration in respect thereof shall, to the extent permitted by applicable Law, become
the property of Buyer, free and clear of all claims or interest of any Person previously entitled thereto or their successors,
assigns, or personal representatives. None of Buyer, Seller, the Surviving Corporation or the Exchange Agent, or any employee,
officer, director, agent or Affiliate of any of them, shall be liable to any Holder in respect of any amount that would have otherwise
been payable in respect of any Old Certificate from the Exchange Fund delivered to a public official pursuant to any applicable
abandoned property, escheat or similar Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(g)
<U>Withholding Rights</U>. Each and any of Buyer, the Surviving Corporation or the Exchange Agent, as applicable, shall be entitled
to deduct and withhold from the Merger Consideration, Seller Stock Option Payouts, Seller Warrant Payouts or any other amounts
or property otherwise payable or distributable to any Person pursuant to this Agreement, such amounts or property (or portions
thereof) as Buyer, the Surviving Corporation or the Exchange Agent is required to deduct and withhold with respect to the making
of such payment or distribution under the Internal Revenue Code, and the rules and regulations promulgated thereunder, or any
provision of applicable Tax Law. Any amounts so deducted or withheld and remitted to the appropriate Regulatory Authority by Buyer,
the Surviving Corporation, or the Exchange Agent, as applicable, shall be treated for all purposes of this Agreement as having
been paid to the Person in respect of which such deduction and withholding was made by Buyer, the Surviving Corporation, or the
Exchange Agent, as applicable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(h)
<U>Lost Old Certificates</U>. If any Old Certificate shall have been lost, stolen, mutilated or destroyed, then upon the making
of an affidavit of that fact by the Person claiming such Old Certificate, as applicable, to be lost, stolen, mutilated or destroyed
and, if required by the Exchange Agent, Buyer, or the Surviving Corporation, the posting by such Person of a bond in such reasonable
and customary amount as the Exchange Agent, Buyer, or the Surviving Corporation may direct, as indemnity against any claim that
may be made against it with respect to such Old Certificate, the Exchange Agent will issue in exchange for such lost, stolen,
mutilated or destroyed Old Certificate the Merger Consideration to which the Holder thereof is entitled pursuant to this Agreement.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
<U>Change in Name on Old Certificate</U>. If any Buyer Certificate is to be issued in a name other than that in which the Old
Certificates surrendered (or canceled) in exchange therefor is or are registered, it shall be a condition of the issuance thereof
that the Old Certificates so surrendered (or canceled) shall be properly endorsed (or accompanied by an appropriate instrument
of transfer) and otherwise in proper form for transfer, and that the Person requesting such exchange shall pay to the Exchange
Agent, Buyer or the Surviving Corporation in advance any transfer or other similar Taxes required by reason of the issuance of
a Buyer Certificate in any name other than that of the registered Holder of the Old Certificates surrendered (or canceled), or
required for any other reason, or shall establish to the satisfaction of the Exchange Agent, Buyer and the Surviving Corporation
that such Tax has been paid or is not payable<B>. </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_016"></A>3.2. Dissenting
Shareholders.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Notwithstanding anything in this Agreement to the contrary, shares of Seller Common Stock that are issued and outstanding immediately
prior to the Effective Time and which are held by any Holder who is entitled to demand and properly demands appraisal of such
shares of Seller Common Stock pursuant to, and who complies in all respects with, the provisions of Sections 10.351 through 10.368
of the TBOC (&ldquo;<U>Section 10.351 et seq.</U>&rdquo;) (the &ldquo;<U>Seller Dissenting Shareholders</U>&rdquo;), shall not
be converted into or be exchangeable for the right to receive any of the consideration as specified in this Agreement (the &ldquo;<U>Seller
Dissenting Shares</U>&rdquo;), but instead such Holder shall be entitled to payment of the fair value of such Seller Dissenting
Shares in accordance with the provisions of Section 10.351 et seq. At the Effective Time, all Seller Dissenting Shares shall no
longer be outstanding, shall automatically be canceled and retired and shall cease to exist, and each Holder of Seller Dissenting
Shares shall cease to have any rights with respect thereto, except the right to receive the fair value of such Seller Dissenting
Shares in accordance with the provisions of Section 10.351 et seq. Notwithstanding the foregoing, if any such Holder shall fail
to perfect or otherwise shall waive, withdraw or lose the right to appraisal under Section 10.351 et seq., or a court of competent
jurisdiction shall determine that such Holder is not entitled to the relief provided by Section 10.351 et seq., then the right
of such Holder to be paid the fair value of such Holder&rsquo;s Seller Dissenting Shares under Section 10.351 et seq. shall cease
and such Seller Dissenting Shares shall be deemed to have been converted at the Effective Time into, and shall have become, the
right to receive the Merger Consideration.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Seller shall give prompt written notice (but in any event within 48 hours) to Buyer of any demands for appraisal of any shares
of Seller Common Stock and any withdrawals of such demands, and Buyer shall have the right to participate in and direct all negotiations
and proceedings with respect to such demands. Seller shall not, except with the prior written consent of Buyer, voluntarily make
any payment with respect to, or settle, or offer or agree to settle, any such demand for payment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B><A NAME="i21655b_017"></A>ARTICLE
4</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>REPRESENTATIONS AND WARRANTIES OF SELLER</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except
as Previously Disclosed, Seller hereby represents and warrants to Buyer as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_018"></A>4.1. Organization,
Standing, and Power.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Status of Seller</U>. Seller is a corporation duly organized, validly existing and in good standing under the Laws of the State
of Texas, is authorized under the Laws of the State of Texas to engage in its business as currently conducted and otherwise has
the corporate power and authority to own, lease and operate all of its Assets and to conduct its business in the manner in which
its business is now being conducted. Seller is duly qualified or licensed to transact business as a foreign corporation in good
standing in the states of the United States and foreign jurisdictions in which its ownership of Assets or conduct of business
requires such qualification or licensure, except where failure to be so qualified or licensed has not had or would not be reasonably
expected to have, either individually or in the aggregate, a Material Adverse Effect on Seller and Seller Bank, taken as a</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> whole.
Seller is duly registered with the Federal Reserve as a bank holding company under the BHC Act. Seller is duly registered and
in good standing with the Texas Department of Savings and Mortgage Lending (&ldquo;<U>TDSML</U>&rdquo;) as a holding company under
the Texas Savings Bank Act. True, complete and correct copies of the certificate of formation and bylaws of Seller, each as in
effect as of the date of this Agreement, have been delivered or made available to Buyer. The certificate of formation and the
bylaws of Seller comply with applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Status of Seller Bank</U>. Seller Bank is a direct, wholly owned Seller Subsidiary, is duly organized, validly existing and
in good standing under the Laws of the State of Texas, is authorized under the Laws of the State of Texas to engage in its business
as currently conducted and otherwise has the corporate power and authority to own, lease and operate all of its Assets and to
conduct its business in the manner in which its business is now being conducted. Seller Bank is authorized by the TDSML to engage
in the business of banking as a state savings bank. Seller Bank is in good standing in each jurisdiction in which its ownership
of Assets or conduct of business requires such qualification, except where failure to be so qualified has not had or would not
reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Seller and Seller Bank,
taken as a whole. True, complete and correct copies of the articles of incorporation and bylaws of Seller Bank, each as in effect
as of the date of this Agreement, have been delivered or made available to Buyer. The articles of incorporation and bylaws of
Seller Bank comply with applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_019"></A>4.2. Authority
of Seller; No Breach by Agreement.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Authority</U>. Seller has the corporate power and authority necessary to execute, deliver, and, other than with respect to
the Merger, perform this Agreement, and with respect to the Merger, upon the approval of this Agreement and the Merger by the
affirmative vote of at least a majority of the outstanding shares of Seller Common Stock entitled to vote on this Agreement and
the Merger as contemplated by Section 7.1 (the &ldquo;<U>Seller Shareholder Approval</U>&rdquo;), to perform its obligations under
this Agreement and to consummate the transactions contemplated hereby. The execution, delivery, and performance of this Agreement
and the consummation of the transactions contemplated herein, including the Merger, have been duly and validly authorized and
approved by all necessary corporate action in respect thereof on the part of Seller (including approval by and a determination
by all of the members of the board of directors of Seller that this Agreement is advisable and in the best interests of Seller&rsquo;s
shareholders and directing the submission of this Agreement to a vote at a meeting of shareholders of Seller), subject to the
Seller Shareholder Approval. This Agreement has been duly executed and delivered by Seller. Subject to the Seller Shareholder
Approval, and assuming the due authorization, execution and delivery by Buyer, this Agreement represents a legal, valid, and binding
obligation of Seller, enforceable against Seller in accordance with its terms (except in all cases as such enforceability may
be limited by applicable bankruptcy, insolvency, fraudulent transfer, reorganization, receivership, conservatorship, moratorium,
or similar Laws affecting the enforcement of creditors&rsquo; rights generally and except that the availability of the equitable
remedy of specific performance or injunctive relief is subject to the discretion of the court before which any proceeding may
be brought (the &ldquo;<U>Bankruptcy and Equity Exceptions</U>&rdquo;)).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>No Conflicts</U>. Subject to the receipt of the Seller Shareholder Approval, neither the execution and delivery of this Agreement
by Seller nor the consummation by Seller of the transactions contemplated hereby, nor compliance by Seller with any of the provisions
hereof, will (i) conflict with or result in a breach of any provision of Seller&rsquo;s certificate of formation, bylaws or other
governing instruments, or the articles of incorporation, bylaws, or other governing instruments of Seller Bank or any other Seller
Entity, or any resolution adopted by the board of directors or the shareholders of any Seller Entity, or (ii) subject to receipt
of the Requisite Regulatory Approvals and the consents of counterparties to the Contracts listed in Section 4.2(c) of Seller&rsquo;s
Disclosure Memorandum (the &ldquo;<U>Contract Consents</U>&rdquo;), (x) violate any Law applicable to any Seller Entity or any
of their respective Assets or (y) violate, conflict with, constitute or result in a Default under or the loss of any benefit under,
or result in the creation of any Lien upon any of the respective Assets of any Seller Entity under any of the terms, conditions
or provisions of any Contract or Permit of any Seller Entity or under which any of</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> their respective Assets may be bound, except
in the case of clause (y) above where such violations, conflicts or Defaults have not had or would not reasonably be expected
to have, either individually or in the aggregate, a Material Adverse Effect on Seller and Seller Bank, taken as a whole.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Consents</U>. Other than in connection or compliance with the provisions of the Securities Laws (including the filing and declaration
of effectiveness of the Registration Statement), applicable state Laws, the rules of Nasdaq, the TBOC, the ABCA, the Federal Deposit
Insurance Act (the &ldquo;<U>FDIA</U>&rdquo;), the BHC Act, the Requisite Regulatory Approvals, and the Contract Consents, no
notice to, filing with, or Consent of, any Regulatory Authority or any third party is necessary for the consummation by Seller
or Seller Bank, as applicable, of the Merger, the Bank Merger, and the other transactions contemplated by this Agreement. As of
the date hereof, Seller has no Knowledge of any reason why the Requisite Regulatory Approvals will not be received in order to
permit consummation of the Merger on a timely basis.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
<U>Seller Debt</U>. Seller has no debt that is secured by Seller Bank capital stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_020"></A>4.3. Capitalization
of Seller.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Ownership</U>. The authorized capital stock of Seller consists of 50,000,000 shares of Seller Common Stock, no par value, and
5,000,000 shares of Seller Preferred Stock, $1.00 par value per share. As of the close of business on November 16, 2021, (i) 17,261,959
shares of Seller Common Stock (excluding treasury shares) were issued and outstanding and (ii) 1,306,268 shares of Seller Common
Stock were held by Seller in its treasury, (iii) 780,230 shares of Seller Common Stock were reserved for issuance upon the exercise
of outstanding Seller Stock Options, (iv) 15,312 shares of Seller Common Stock were reserved for issuance upon the exercise of
outstanding Seller Warrants, (v) 323,129 shares of Seller Common Stock were reserved for issuance upon the vesting of Seller Restricted
Stock Units, and (vi) no shares of Seller Preferred Stock were issued and outstanding. As of the Effective Time, no more than
(A) 18,057,501 shares of Seller Common Stock will be issued and outstanding (excluding treasury shares), (B) 1,306,268 shares
of Seller Common Stock will be held by Seller in its treasury, and (C) no shares of Seller Preferred Stock will be issued and
outstanding. As of immediately prior to the Effective Time, there will be no more than (I) 780,230 Seller Stock Options Outstanding,
(II) 15,312 Seller Warrants Outstanding, and (III) 435,676 Seller Restricted Stock Units. Additionally, as of immediately prior
to the Effective Time, there will be, in the aggregate, no more than 18,493,177 shares of Seller Common Stock that are either
issued and outstanding or reserved for issuance upon the exercise or vesting of Seller Stock Options, Seller Warrants, or Seller
Restricted Stock Units.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Other Rights or Obligations</U>. All of the issued and outstanding shares of capital stock (and other equity interest, including
Seller Stock Options, Seller Warrants and Seller Restricted Stock Units) of Seller are duly authorized and validly issued and
outstanding, and are fully paid and nonassessable and free of preemptive rights, with no personal liability attaching to the ownership
thereof. None of the outstanding shares of capital stock (or other equity interest, including Seller Stock Options, Seller Warrants
and Seller Restricted Stock Units) of Seller has been issued in violation of or subject to any preemptive rights or other rights
to subscribe for or purchase securities of the current or past shareholders of Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Outstanding Equity Rights</U>. Other than the Seller Stock Options, Seller Warrants, and Seller Restricted Stock Units outstanding
as of the date of this Agreement and set forth in Sections 4.3(a)(iii-v), there are no (i) existing Equity Rights with respect
to the securities of Seller or any Seller Subsidiary, (ii) Contracts under which any Seller Entity is or may become obligated
to sell, issue, deliver, transfer or otherwise dispose of or redeem, purchase or otherwise acquire any securities of Seller or
any Seller Subsidiary, (iii) Contracts under which Seller is or may become obligated to register shares of Seller&rsquo;s capital
stock or other securities under the Securities Act, (iv) shareholder agreements, voting trusts or other agreements, arrangements
or understandings to which Seller or any Seller Subsidiary is a party or of which Seller has Knowledge, that may reasonably be
expected to affect the exercise of voting or any other rights with respect to the capital stock of Seller or any</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"> Seller Subsidiary
or (v) outstanding bonds, debentures, notes or other indebtedness having the right to vote (or which are convertible into, or
exchangeable for, securities having the right to vote) on any matters on which the shareholders of Seller or any Seller Subsidiary
may vote. No Seller Subsidiary owns any capital stock of Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_021"></A>4.4. Capitalization
of Seller Bank.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Capitalization of Seller Bank</U>. The authorized capital stock of Seller Bank consists of (i) 10,000,000 shares of Seller
Bank Common Stock, $4.00 par value per share. 60,000 shares of Seller Bank Common Stock are outstanding as of the date of this
Agreement. All of the outstanding shares of Seller Bank Capital Stock (and other equity interests in Seller Bank) are directly
and beneficially owned and held by Seller free and clear of any Lien.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Other Rights or Obligations</U>. All of the issued and outstanding shares of Seller Bank Capital Stock (and other equity interests
in Seller Bank) are duly and validly issued and outstanding and are fully paid and nonassessable and free of preemptive rights,
with no personal liability attaching to the ownership thereof. None of the outstanding shares of Seller Bank Capital Stock (or
other equity interests in Seller Bank) has been issued in violation of or subject to any preemptive rights or other rights to
subscribe for or purchase securities of the current or past shareholders of Seller Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Seller Bank</U>. Seller Bank does not have any Subsidiaries nor own any equity interests in any other Person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_022"></A>4.5. Seller
Subsidiaries.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Reserved.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Reserved.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Seller does not have any direct or indirect Subsidiaries nor own any equity interests in any other Person other than Seller Bank.
There are no (i) existing Equity Rights with respect to the securities of any Seller Subsidiary, (ii) Contracts under which any
Seller Subsidiary are or may become obligated to sell, issue, deliver, transfer or otherwise dispose of or redeem, purchase or
otherwise acquire any securities of any Seller Subsidiary, (iii) Contracts under which any Seller Subsidiary is or may become
obligated to register shares of any Seller Subsidiary&rsquo;s capital stock or other securities under the Securities Act, (iv)
shareholder agreements, voting trusts or other agreements, arrangements or understandings to which any Seller Subsidiary is a
party or of which Seller has Knowledge, that may reasonably be expected to affect the exercise of voting or any other rights with
respect to the capital stock of any Seller Subsidiary, or (v) outstanding bonds, debentures, notes or other indebtedness having
the right to vote (or which are convertible into, or exchangeable for, securities having the right to vote) on any matters on
which the shareholders of any Seller Subsidiary may vote.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_023"></A>4.6. Regulatory
Reports.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Regulatory Filings</U>. Since December 31, 2017, Seller and each Seller Subsidiary has filed on a timely basis, all forms,
filings, registrations, submissions, statements, certifications, returns, information, data, reports and documents required to
be filed or furnished by it with the TDSML, the Federal Deposit Insurance Corporation (&ldquo;<U>FDIC</U>&rdquo;), the Federal
Reserve, and any other applicable Regulatory Authority, as the case may be. All such reports, certifications, forms, returns,
filings, information, data, registrations, submissions, statements and documents required to be filed under any applicable Law,
including any and all federal and state banking Laws, were complete and accurate in all material respects and in compliance in
all material respects with the requirements of any applicable Law. Subject to Section 10.15, there (i) is no unresolved violation,
criticism, or exception by any Regulatory Authority with respect to any form, filing, registration, submission, </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">statement, certification,
return, information, data, report or document relating to any examinations, inspections or investigations of any Seller Entity
and (ii) except for routine communications between any Seller Entity and any Regulatory Authority in connection with normal examinations,
has been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory Authority with respect to the business,
operations, policies or procedures of any Seller Entity. Subject to Section 10.15 and except for normal examinations conducted
by a Regulatory Authority in the Ordinary Course, no Regulatory Authority has initiated or has pending any proceeding or, to the
Knowledge of Seller, investigation into the business or operations of the Seller or the Seller Subsidiaries since December 31,
2017, except where such proceedings or investigations would not reasonably be expected to have, either individually or in the
aggregate, a Material Adverse Effect on Seller and the Seller Subsidiaries, taken as a whole. Seller is in compliance in all material
respects with the applicable listing and corporate governance rules and regulations of Nasdaq.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Seller&rsquo;s SEC Reports</U>. An accurate and complete copy of each final registration statement, prospectus, report, schedule
and definitive proxy statement filed with or furnished to the SEC by Seller or any Seller Subsidiary pursuant to the Securities
Act or the Exchange Act, as the case may be, since April 26, 2018 (the &ldquo;<U>Seller SEC Reports</U>&rdquo;) is publicly available.
No such Seller SEC Report, at the time filed, furnished or communicated (and, in the case of registration statements, prospectuses
and proxy statements, on the dates of effectiveness, dates of first sale of securities and the dates of the relevant meetings,
respectively), contained any untrue statement of a material fact or omitted to state any material fact required to be stated therein
or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except
that information filed or furnished as of a later date (but before the date of this Agreement) shall be deemed to modify information
as of an earlier date. As of their respective dates, all Seller SEC Reports filed or furnished under the Securities Act and the
Exchange Act complied as to form in all material respects with the published rules and regulations of the SEC with respect thereto.
As of the date of this Agreement, no executive officer of Seller has failed to make the certifications required of him or her
under Section 302 or 906 of the Sarbanes-Oxley Act. As of the date of this Agreement, there are no outstanding comments from or
material unresolved issues raised by the SEC with respect to any of the Seller SEC Reports.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_024"></A>4.7.
Financial Matters.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Financial Statements</U>. Seller has made available to Buyer the Seller Financial Statements. The Seller Financial Statements
included or incorporated by reference in the Seller SEC Reports with respect to periods ending prior to the date of this Agreement
(i) have been prepared from, and are in accordance with, the Books and Records of the Seller Entities, (ii) have been prepared
in accordance with GAAP, regulatory accounting principles and applicable accounting requirements and, if applicable, with the
published rules and regulations of the SEC, in each case, consistently applied, except as may be otherwise indicated in the notes
thereto and except with respect to the unaudited financial statements for the omission of footnotes and (iii) fairly present in
all material respects the consolidated financial condition of the Seller Entities as of the respective dates set forth therein
and the results of operations, shareholders&rsquo; equity and cash flows of the Seller Entities for the respective periods set
forth therein. The consolidated Seller Financial Statements to be prepared after the date of this Agreement and prior to the Closing
(A) will have been prepared in accordance with GAAP, regulatory accounting principles and applicable accounting requirements and,
if applicable, with the published rules and regulations of the SEC, in each case, consistently applied except as may be otherwise
indicated in the notes thereto and except with respect to unaudited financial statements for the omission of footnotes and year-end
adjustments and (B) will fairly present in all material respects the consolidated financial condition of Seller as of the respective
dates set forth therein and the results of operations, shareholders&rsquo; equity (except with respect to unaudited financial
statements) and cash flows (except with respect to unaudited financial statements) of Seller for the respective periods set forth
therein, subject in the case of unaudited financial statements to the omission of footnotes and year-end adjustments.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Call Reports</U>. The financial statements contained in the Call Reports of Seller Bank for all of the periods ending on or
after December 31, 2017 (i) have been prepared in accordance with GAAP (except to the extent applicable Law requires otherwise)
and regulatory accounting principles consistently applied, except as may be otherwise indicated in the notes thereto and except
for the omission of footnotes and (ii) fairly present in all material respects the financial condition of Seller Bank as of the
respective dates set forth therein and the results of operations and shareholders&rsquo; equity for the respective periods set
forth therein, subject to year-end adjustments. The financial statements contained in the Call Reports of Seller Bank to be prepared
after the date of this Agreement and prior to the Closing (A) will have been prepared in accordance with GAAP (except to the extent
applicable Law requires otherwise) and regulatory accounting principles consistently applied, except as may be otherwise indicated
in the notes thereto and except for the omission of footnotes and (B) will fairly present in all material respects the financial
condition of Seller Bank as of the respective dates set forth therein and the results of operations and shareholders&rsquo; equity
of Seller Bank for the respective periods set forth therein, subject to year-end adjustments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Systems and Processes</U>. Each of Seller and Seller Bank has in place sufficient systems and processes that are customary
for a financial institution of the size of Seller and Seller Bank and that are designed to (i) provide reasonable assurances regarding
the reliability of financial reporting and the preparation of the Seller Financial Statements and Seller Bank&rsquo;s financial
statements, including the Call Reports, (ii) in a timely manner accumulate and communicate to Seller and Seller Bank&rsquo;s principal
executive officer and principal financial officer the type of information that would be required to be disclosed in Seller Financial
Statements and Seller Bank&rsquo;s financial statements, including the Call Reports, or any forms, filings, registrations, submissions,
statements, certifications, returns, information, data, reports or documents required to be filed or provided to any Regulatory
Authority, (iii) ensure access to Seller and Seller Bank&rsquo;s Assets is permitted only in accordance with management&rsquo;s
authorization, and (iv) ensure the reporting of such Assets is compared with existing Assets at regular intervals. Since December
31, 2017, neither Seller nor Seller Bank nor, to Seller&rsquo;s Knowledge, any Representative of any Seller Entity has received
or otherwise had or obtained knowledge of any complaint, allegation, assertion or claim, whether written or oral, regarding the
adequacy of such systems and processes or the accuracy or integrity of Seller Financial Statements, Seller Bank&rsquo;s financial
statements, including the Call Reports, or the accounting or auditing practices, procedures, methodologies or methods (including
with respect to loan loss reserves, write-downs, charge-offs and accruals) of any Seller Entity or their respective internal accounting
controls, including any complaint, allegation, assertion or claim that Seller or any Seller Subsidiary has engaged in questionable
accounting or auditing practices. No attorney representing any Seller Entity, whether or not employed by any Seller Entity, has
reported evidence of a material violation of Securities Laws, breach of fiduciary duty or similar violation by any Seller Entity
or any of its officers, directors or employees to the board of directors of any Seller Entity or any committee thereof or to any
director or officer of any Seller Entity. To Seller&rsquo;s Knowledge, there has been no instance of fraud by any Seller Entity,
whether or not material, that occurred during any period covered by Seller Financial Statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
<U>Records</U>. The records, systems, controls, data and information of the Seller Entities are recorded, stored, maintained and
operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under
the exclusive ownership and direct control of a Seller Entity or accountants (including all means of access thereto and therefrom),
except where such non-exclusive ownership and non-direct control has not had or would not reasonably be expected to have, either
individually or in the aggregate, a Material Adverse Effect on Seller and Seller Bank, taken as a whole. Seller and Seller Bank
(i) have implemented and maintain disclosure controls and procedures (as defined in Rule 13a-15 or 15d-15, as applicable, of the
Exchange Act) to ensure the reliability of the Seller Financial Statements and to ensure that information relating to Seller,
including Seller Subsidiaries, is made known to the chief executive officer, chief financial officer or other members of executive
management of Seller by others within those entities as appropriate (A) to allow timely decisions regarding required disclosures
and to make the certifications required by the Exchange Act and Sections 302 and 906 of the Sarbanes-Oxley Act of 2002 (the &ldquo;<U>Sarbanes-Oxley
Act</U>&rdquo;), (B) which allow in all material </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">respects for maintenance of records that in reasonable detail accurately and
fairly reflect the transactions and dispositions of the Assets of Seller and Seller Subsidiaries, (C) that provide reasonable
assurance in all material respects that transactions are recorded as necessary to permit preparation of financial statements in
accordance with GAAP, and that receipts and expenditures of Seller are being made only in accordance with authorizations of management
and directors of Seller and (D) that provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition,
use or disposition of Seller&rsquo;s Assets that could have a material adverse effect on its financial statements and (ii) have
disclosed, based on their most recent evaluation prior to the date of this Agreement, to their outside auditors and the audit
committee of their respective boards of directors (Y) any significant deficiencies and material weaknesses in the design or operation
of internal control over financial reporting (as defined in Rules 13a-15(f) and 15d-15(f) of the Exchange Act) which could adversely
affect their ability to record, process, summarize or report financial data and have disclosed to their auditors any material
weaknesses in internal control over financial reporting and (Z) any fraud, whether or not material, that involves management or
other employees who have a significant role in their internal control over financial reporting. To the Knowledge of Seller, there
is no reason to believe that Seller&rsquo;s outside auditors and its chief executive officer and chief financial officer will
not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section
404 of the Sarbanes-Oxley Act, without qualification, when next due, if required.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
<U>Auditor Independence</U>. The independent registered public accounting firm engaged to express its opinion with respect to
the Seller Financial Statements included in the Seller&rsquo;s SEC Reports is, and has been throughout the periods covered thereby,
&ldquo;independent&rdquo; within the meaning of Rule 2-01 of Regulation S-X. As of the date hereof, the outside auditor for Seller
and Seller Bank has not resigned or been dismissed as a result of or in connection with any disagreements with Seller or Seller
Bank on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_025"></A>4.8.
Books and Records.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Books and Records of Seller and Seller Bank have been and are being maintained in the Ordinary Course in accordance and compliance
in all material respects with all applicable accounting requirements and Laws and are complete and accurate in all material respects
to reflect corporate action by Seller and Seller Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_026"></A>4.9. Absence
of Undisclosed Liabilities.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Seller Entity has incurred any Liability, except for Liabilities (a) incurred in the Ordinary Course since December 31, 2020,
(b) incurred in connection with this Agreement and the transactions contemplated hereby, or (c) that are accrued or reserved against
in the consolidated balance sheet of Seller as of December 31, 2020 included in the Seller Financial Statements at and for the
period ending December 31, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_027"></A>4.10. Absence
of Certain Changes or Events.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Since December 31, 2020, there has not been a Material Adverse Effect on Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Since December 31, 2020, (i) the Seller Entities have carried on their respective businesses only in the Ordinary Course, (ii)
there has not been any material damage, destruction or other casualty loss with respect to any material Asset owned, leased or
otherwise used by any Seller Entity whether or not covered by insurance and (iii) none of the Seller Entities have taken any action
that would be prohibited by Section 6.2 if taken after the date hereof.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_028"></A>4.11. Tax.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
All Seller Entities have timely filed with the appropriate Taxing authorities all material Tax Returns in all jurisdictions in
which such Tax Returns are required to be filed, and such Tax Returns are correct and complete in all material respects. None
of the Seller Entities is the beneficiary of any extension of time within which to file any Tax Return (other than any extensions
to file Tax Returns obtained in the Ordinary Course and automatically granted). All material Taxes of the Seller Entities (whether
or not shown on any Tax Return) that are due have been fully and timely paid. There are no Liens for Taxes (other than a Lien
for Taxes not yet due and payable or that are being contested in good faith by appropriate proceedings) on any of the Assets of
any of the Seller Entities. No claim has been made in the last six years in writing by an authority in a jurisdiction where any
Seller Entity does not file a Tax Return that such Seller Entity is or may be subject to Taxes by that jurisdiction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
None of the Seller Entities has received any written notice of assessment or proposed assessment in connection with any amount
of Taxes, and there are no threatened in writing or pending disputes, claims, audits or examinations regarding any Taxes of any
Seller Entity or the Assets of any Seller Entity. None of the Seller Entities has waived any statute of limitations in respect
of any Taxes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Each Seller Entity has complied in all material respects with all applicable Laws relating to the withholding of Taxes and the
payment thereof to appropriate authorities, including Taxes required to have been withheld and paid in connection with amounts
paid or owing to any employee or independent contractor, and Taxes required to be withheld and paid pursuant to Sections 1441
and 1442 of the Internal Revenue Code or similar provisions under foreign Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
The unpaid Taxes of each Seller Entity (i) did not, as of the most recent fiscal month end, materially exceed the reserve for
Tax Liability (other than any reserve for deferred Taxes established to reflect timing differences between book and Tax income)
set forth on the face of the most recent balance sheet (rather than in any notes thereto) for such Seller Entity and (ii) do not
exceed that reserve as adjusted for the passage of time through the Closing Date in accordance with past custom and practice of
the Seller Entities in filing their Tax Returns.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
None of the Seller Entities is a party to any Tax indemnity, allocation or sharing agreement (other than any agreement solely
between the Seller Entities and other than any customary Tax indemnifications contained in credit or other commercial agreements
the primary purpose of which agreements does not relate to Taxes) and none of the Seller Entities has been a member of an affiliated
group filing a consolidated federal income Tax Return (other than a group the common parent of which was Seller) or has any Tax
Liability of any Person under Treasury Regulation Section 1.1502-6 or any similar provision of state, local or foreign Law (other
than the other members of the consolidated group the common parent of which is or was Seller), or as a transferee or successor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
During the two-year period ending on the date hereof, none of the Seller Entities was a distributing corporation or a controlled
corporation in a transaction intended to be governed by Section 355 of the Internal Revenue Code. During the five-year period
ending on the date hereof, none of the Seller Entities was a United States real property holding corporation within the meaning
of Section 897(c)(2) of the Internal Revenue Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(g)
Each Seller Benefit Plan, employment agreement, or other compensation arrangement of a Seller Entity that is a &ldquo;nonqualified
deferred compensation plan&rdquo; within the meaning of Section 409A of the Internal Revenue Code has a plan document that satisfies
the requirements of Section 409A of the Internal Revenue Code and has been operated in compliance with the terms of such plan
document and the requirements of Section 409A of the Internal Revenue Code, and the regulations thereunder, in each case such
that no Tax is or has been due or payable under Section 409A of the Internal Revenue Code. No Seller Entity has any obligation
to gross-up or otherwise reimburse any person for any Tax incurred by such person pursuant to</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> Section 409A, Section 280G or Section
4999 of the Internal Revenue Code or otherwise. All Seller Stock Options and Seller Warrants were granted at no less than &ldquo;fair
market value&rdquo; for purposes of Section 409A of the Internal Revenue Code, and each Seller Stock Option and Seller Warrant
is exempt from Section 409A of the Internal Revenue Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(h)
None of the Seller Entities will be required to include after the Closing any material adjustment in taxable income pursuant to
Section 481 of the Internal Revenue Code or any comparable provision under state or foreign Tax Laws as a result of transactions
or events occurring prior to the Closing. None of the Seller Entities have participated in any &ldquo;reportable transaction&rdquo;
within the meaning of Treasury Regulation Section 1.6011-4 or any &ldquo;tax shelter&rdquo; within the meaning of the Internal
Revenue Code Section 6662.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
All Seller Entities have (i) to the extent deferred, properly complied in all material respects with all applicable Laws in order
to defer the amount of the employer&rsquo;s share of any &ldquo;applicable employment taxes&rdquo; under Section 2302 of the CARES
Act, (ii) to the extent applicable, eligible, and claimed, or intended to be claimed, properly complied in all material respects
with all Laws and duly accounted for any available Tax credits under Sections 7001 through 7004 of the Families First Coronavirus
Response Act and Section 2301 of the CARES Act, (iii) not deferred any payroll Tax obligations (including those imposed by Sections
3101(a) and 3201 of the Internal Revenue Code) (for example, by a failure to timely withhold, deposit or remit such amounts in
accordance with the applicable provisions of the Internal Revenue Code and the Treasury Regulations promulgated thereunder) pursuant
to or in connection with any U.S. presidential memorandum or executive order, and (iv) not sought a PPP Loan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_029"></A>4.12.
Assets.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each Seller Entity has good and marketable title to those Assets reflected in the most recent Seller Financial Statements as being
owned by such Seller Entity or acquired after the date thereof (except Assets sold or otherwise disposed of since the date thereof
in the Ordinary Course), free and clear of all Liens, except (a) statutory Liens securing payments not yet due, (b) Liens for
real property Taxes not yet due and payable, (c) easements, rights of way, and other similar encumbrances that do not materially
affect the use of the Assets subject thereto or affected thereby or otherwise materially impair business operations and use of
such Assets and (d) such imperfections or irregularities of title or Liens as do not materially affect the use of the Assets subject
thereto or affected thereby or otherwise materially impair business operations and use of such Assets (collectively, &ldquo;<U>Permitted
Liens</U>&rdquo;). Seller is the fee simple owner of all owned real property and the lessee of all leasehold estates reflected
in the most recent Seller Financial Statements, free and clear of all Liens of any nature whatsoever, except for Permitted Liens,
and is in possession of the properties purported to be owned or leased thereunder, as applicable, and each such lease is valid
without Default thereunder by the lessee or, to the Knowledge of Seller, the lessor. There are no pending or, to the Knowledge
of Seller, threatened condemnation or eminent domain proceedings against any real property that is owned or leased by Seller.
The Seller Entities own or lease all properties as are necessary to their operations as now conducted and no Person has any option
or right to acquire or purchase any ownership interest in the owned real property or any portion thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Section 4.12(b) of Seller&rsquo;s Disclosure Memorandum sets forth a complete and correct list of all street addresses and fee
owners of all real property owned, leased or licensed by any Seller Entity or otherwise occupied by a Seller Entity or used or
held for use by any Seller Entity (collectively, the &ldquo;<U>Real Property</U>&rdquo;). Other than as set forth on Section 4.12(b)
of Seller&rsquo;s Disclosure Memorandum, there are no Persons in possession of any portion of any of the Real Property owned or
leased by any Seller Entity other than such Seller Entity, and no Person other than a Seller Entity has the right to use or occupy
for any purpose any portion of any of the Real Property owned, leased or licensed by a Seller Entity. Seller or a Seller Subsidiary
has good and marketable fee title to all Real Property owned by it free and clear of all Liens, except Permitted Liens. There
are no outstanding options, rights of first offer or refusal or other pre-emptive rights or purchase rights with respect to any
such owned Real Property.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
All leases of Real Property under which any Seller Entity, as lessee, leases Real Property, are valid, binding and enforceable
in accordance with their respective terms and Seller or such Seller Subsidiary has good and marketable leasehold interests to
all Real Property leased by them. There is not under any such lease any material existing Default by any Seller Entity or, to
Seller&rsquo;s Knowledge, any other party thereto, or any event which with notice or lapse of time would constitute such a material
Default and all rent and other sums and charges due and payable under such lease have been paid.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
The Assets reflected in the most recent Seller Financial Statements which are owned or leased by the Seller Entities, and in combination
with the Real Property, the Intellectual Property of any Seller Entity, and contractual benefits and burdens of the Seller Entities,
constitute, as of the Closing Date, all of the Assets, rights and interests necessary to enable the Seller Entities to operate
consolidated businesses in the Ordinary Course and as the same is expected to be conducted on the Closing Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_030"></A>4.13. Intellectual
Property; Privacy.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each Seller Entity owns or has a valid license to use (in each case, free and clear of any Liens other than any Permitted Liens)
all of the Intellectual Property necessary to carry on the business of such Seller Entity as it is currently conducted. Each Seller
Entity is the owner of or has a license, with the right to sublicense, to any Intellectual Property sold or licensed to a third
party by such Seller Entity in connection with its business operations, and such Seller Entity has the right to convey by sale
or license any Intellectual Property so conveyed. No Seller Entity is in Default under any of its Intellectual Property licenses.
No proceedings have been instituted, or are pending or to the Knowledge of Seller threatened, which challenge the rights of any
Seller Entity with respect to Intellectual Property used, sold or licensed by such Seller Entity in the course of its business,
nor has any Person claimed or alleged any rights to such Intellectual Property. The conduct of the business of each Seller Entity
and the use of any Intellectual Property by each Seller Entity does not infringe, misappropriate or otherwise violate the Intellectual
Property rights of any other Person. No Person has asserted to Seller in writing that any Seller Entity has infringed, misappropriated
or otherwise violated the Intellectual Property rights of such Person. The validity, continuation and effectiveness of all licenses
and other agreements relating to Intellectual Property used by any Seller Entity in the course of its business and the current
terms thereof will not be affected by the transactions contemplated by this Agreement, the use of the &ldquo;Spirit of Texas Bancshares,&rdquo;
&ldquo;Spirit of Texas Bancshares, Inc.,&rdquo; &ldquo;Spirit of Texas Bank,&rdquo; and &ldquo;Spirit of Texas Bank SSB&rdquo;
trademarks will be transferred to Buyer or Buyer Bank in connection with the transactions contemplated by this Agreement and after
the Effective Time, no Person besides Buyer shall have right and title to the &ldquo;Spirit of Texas Bancshares,&rdquo; &ldquo;Spirit
of Texas Bancshares, Inc.,&rdquo; &ldquo;Spirit of Texas Bank,&rdquo; and &ldquo;Spirit of Texas Bank SSB&rdquo; trademarks and
trade names. All of the Seller Entities&rsquo; right to the use of and title to the names &ldquo;Spirit of Texas Bancshares,&rdquo;
&ldquo;Spirit of Texas Bancshares, Inc.,&rdquo; &ldquo;Spirit of Texas Bank,&rdquo; and &ldquo;Spirit of Texas Bank SSB&rdquo;
will be transferred to Buyer in connection with the completion of the transactions contemplated by this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
(i) The computer, information technology and data processing systems, facilities and services used by the Seller Entities, including
all software, hardware, networks, communications facilities, platforms and related systems and services (collectively, the &ldquo;<U>Systems</U>&rdquo;),
are reasonably sufficient for the conduct of the respective businesses of the Seller Entities as currently conducted and (ii)
the Systems are in good working condition to effectively perform all computing, information technology and data processing operations
necessary for the operation of the respective businesses of the Seller Entities as currently conducted. To Seller&rsquo;s Knowledge,
no third party or Representative has gained unauthorized access to any Systems owned or controlled by any Seller Entity, and each
Seller Entity has taken commercially reasonable steps and implemented commercially reasonable safeguards to ensure that the Systems
are secure from unauthorized access and free from any disabling codes or instructions, spyware, Trojan horses, worms, viruses
or other software routines that permit or cause unauthorized access to, or disruption, impairment, disablement, or destruction
of, software, data or other materials. Each Seller Entity has implemented backup and disaster recovery policies, procedures and
systems consistent with generally</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> accepted industry standards and sufficient to reasonably maintain the operation of the respective
businesses of the Seller Entities in all material respects. Each Seller Entity has implemented and maintained commercially reasonable
measures and procedures designed to reasonably mitigate the risks of cybersecurity breaches and attacks.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Each Seller Entity has (i) complied in all material respects with all applicable Laws which govern the receipt, collection, compilation,
use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure, transmission or transfer of the
personal data or information of customers or other individuals (&ldquo;<U>Personally Identifiable Information</U>&rdquo;) and
similar Laws governing data privacy, and with all of its published privacy and data security policies and internal privacy and
data security policies and guidelines, including with respect to the receipt, collection, compilation, use, storage, processing,
sharing, safeguarding, security, disposal, destruction, disclosure, transmission or transfer of Personally Identifiable Information
and (ii) taken commercially reasonable measures to ensure that all Personally Identifiable Information in its possession or control
is protected against loss, damage, and unauthorized access, use, modification, or other misuse. To Seller&rsquo;s Knowledge, there
has been no loss, damage, or unauthorized access, use, modification, or other misuse of any such Personally Identifiable Information
by any Seller Entity or any other Person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_031"></A>4.14.
Environmental Matters.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each Seller Entity, its Participation Facilities, and its Operating Properties are, and have been since December 31, 2017, in
compliance, in all material respects, with all Environmental Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
There is no Litigation pending or, to the Knowledge of Seller, threatened before Regulatory Authority or other forum in which
any Seller Entity or any of its Operating Properties or Participation Facilities (or Seller in respect of such Operating Property
or Participation Facility) has been or, with respect to threatened Litigation, may be named as a defendant (i) for alleged noncompliance
(including by any predecessor) with or Liability under any Environmental Law or (ii) relating to the release, discharge, spillage,
or disposal into the environment of any Hazardous Material, whether or not occurring at, on, under, adjacent to, or affecting
(or potentially affecting) a site currently or formerly owned, leased, or operated by any Seller Entity or any of its Operating
Properties or Participation Facilities, nor is there any reasonable basis for any Litigation of a type described in this sentence.
No Seller Entity is subject to any Order imposing any Liability or obligation with respect to any Environmental Law that has had
or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Seller and the
Seller Entities, taken as a whole, nor is any such order threatened.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_032"></A>4.15. Compliance
with Laws.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each Seller Entity has, and since December 31, 2017 has had, in effect all Permits necessary for it to lawfully own, lease, or
operate its material Assets and to carry on its business as now or then conducted (and have paid all fees and assessments due
and payable in connection therewith in all material respects). There has occurred no material Default under any such Permit and
to the Knowledge of Seller no suspension or cancellation of any such material Permit is threatened. None of the Seller Entities:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
is in Default under any of the provisions of its certificate of formation, articles of incorporation, or bylaws (or other governing
instruments);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(ii)
is in material Default under any Laws, Orders, or material Permits applicable to its business or employees conducting its business;
or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(iii)
subject to Section 10.15, has since December 31, 2017 received any written notification or communication from any agency or department
of federal, state, or local government or any Regulatory Authority or the staff thereof asserting that any Seller Entity is not
in compliance with any Laws, Orders, or Permits or engaging in an unsafe or unsound activity or in troubled condition.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each Seller Entity is in compliance in all material respects with all applicable Laws, regulatory capital requirements, Consents,
Permits, Orders, or conditions imposed in writing by a Regulatory Authority, to which they or their Assets may be subject.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Each director, officer, shareholder, manager, and employee of the Seller Entities that has been engaged at any time in the development,
use or operation of the Seller Entities and their respective Assets, and each Independent Contractor, is and has been in compliance
in all material respects with all applicable Laws relating to the development, use or operation of the Seller Entities and their
respective Assets. No proceeding or notice has been filed, given, commenced or, to the Knowledge of Seller, threatened against
any of the Seller Entities or any of their respective directors, officers, members, Affiliates, managers, employees or Independent
Contractors alleging any failure to so comply with all applicable Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
Seller Bank has, in all material respects, (i) properly certified all foreign deposit accounts and has made all necessary Tax
withholdings on all of its deposit accounts, (ii) timely and properly filed and maintained all requisite Currency Transaction
Reports and other related forms, including any requisite Custom Reports required by any agency of the U.S. Department of the Treasury,
including the United States Internal Revenue Service (&ldquo;<U>IRS</U>&rdquo;), and (iii) subject to Section 10.15, timely filed
all Suspicious Activity Reports with the Financial Crimes Enforcement Network (bureau of the U.S. Department of the Treasury)
required to be filed by it pursuant to all applicable Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
Subject to Section 10.15, Seller and Seller Bank are &ldquo;well-capitalized&rdquo; and &ldquo;well managed&rdquo; (as those terms
are defined in applicable Laws).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
Since December 31, 2017, each Seller Entity has properly administered, in all material respects, all accounts for which it acts
as a fiduciary, including accounts for which any Seller Entity serves as a trustee, agent, custodian, personal representative,
guardian, conservator or investment adviser, in accordance with the terms of the applicable governing documents and applicable
Laws. Since December 31, 2017, no Seller Entity, or, to Seller&rsquo;s Knowledge, any director, officer, or employee of any Seller
Entity, has committed any material breach of trust or fiduciary duty with respect to any such fiduciary account, and the accountings
for each such fiduciary account are true, complete and correct and accurately reflect the assets of such fiduciary account.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_033"></A>4.16. Foreign
Corrupt Practices.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Seller Entity, or, to the Knowledge of Seller, any director, officer, employee, agent or other Person acting on behalf of a Seller
Entity has, directly or indirectly, (i) used any funds of any Seller Entity for unlawful contributions, unlawful gifts, unlawful
entertainment or other unlawful expenses relating to political activity, (ii) made any unlawful payment to foreign or domestic
governmental officials or employees or to foreign or domestic political parties or campaigns from funds of any Seller Entity,
(iii) violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any
similar law, (iv) established or maintained any unlawful fund of monies or other Assets of any Seller Entity, (v) made any fraudulent
entry on the Books and Records of any Seller Entity, (vi) made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful
influence payment, unlawful kickback or other unlawful payment to any Person, private or public, regardless of form, whether in
money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for any Seller
Entity, to pay for favorable treatment for business secured or to pay for special concessions already obtained for any Seller
Entity, or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control of the United
States Treasury Department, or (vii) violated or is in violation of the Currency and Foreign Transactions Reporting Act of 1970,
as amended, the Bank Secrecy Act, the USA PATRIOT ACT of 2001, the money laundering Laws of any jurisdiction, and any related
or similar rules, regulations or guidelines, issued, administered or enforced by any Regulatory Authority (collectively, the &ldquo;<U>Money
Laundering Laws</U>&rdquo;) and no action, suit or proceeding by or before any Regulatory Authority or any arbitrator</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"> involving
any Seller Entity with respect to the Money Laundering Laws is pending or, to the Knowledge of Seller, threatened. Each Seller
Entity has been conducting operations at all times in compliance with applicable financial recordkeeping and reporting requirements
of all Money Laundering Laws administered and each Seller Entity has established and maintained a system of internal controls
designed to ensure compliance by the Seller Entities with applicable financial recordkeeping and reporting requirements of the
Money Laundering Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_034"></A>4.17. Community
Reinvestment Act Performance.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Seller
Bank is an &ldquo;insured depository institution&rdquo; as defined in the FDIA and applicable regulations thereunder and has received
a Community Reinvestment Act of 1977 rating of &ldquo;satisfactory&rdquo; or better in its most recently completed performance
evaluation, and Seller has no Knowledge of the existence of any fact or circumstance or set of facts or circumstances which could
reasonably be expected to result in Seller Bank having its current rating lowered such that it is no longer &ldquo;satisfactory&rdquo;
or better.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_035"></A>4.18.
Labor Relations.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
No Seller Entity is the subject of any pending or, the Knowledge of Seller, threatened Litigation asserting that it or any other
Seller Entity has committed an unfair labor practice (within the meaning of the National Labor Relations Act or comparable state
Law) or other violation of state or federal labor Law or seeking to compel it or any other Seller Entity to bargain with any labor
organization or other employee representative as to wages or conditions of employment. No Seller Entity, predecessor, or Affiliate
of a Seller Entity is or has ever been a party to any collective bargaining agreement or subject to any bargaining order, injunction
or other Order relating to any Seller Entity&rsquo;s relationship or dealings with its employees, any labor organization or any
other employee representative, and no Seller Entity is currently negotiating any collective bargaining agreement. There is no
strike, slowdown, lockout or other job action or labor dispute involving any Seller Entity pending or, to the Knowledge of Seller,
threatened and there have been no such actions or disputes since December 31, 2017. To the Knowledge of Seller, since December
31, 2017, there has not been any attempt by any Seller Entity employees or any labor organization or other employee representative
to organize or certify a collective bargaining unit or to engage in any other union organization activity with respect to the
workforce of any Seller Entity. The employment of each employee of each Seller Entity is terminable at will by the relevant Seller
Entity without any penalty, liability or severance obligation incurred by any Seller Entity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Section 4.18(b) of Seller&rsquo;s Disclosure Memorandum separately sets forth all of Seller&rsquo;s employees, including for each
such employee: name, job title, hire date, full- or part-time status, status as a regular, temporary or contract employee, exemption
status, work location (identified by street address), current compensation rate, all fringe benefits (other than employee benefits
applicable to all employees, which benefits are set forth on Section 4.19(a) of Seller&rsquo;s Disclosure Memorandum), bonuses,
incentives, or commissions paid the past three years, and visa and permanent resident card or immigration application status.
To Seller&rsquo;s Knowledge, no employee of any Seller Entity is a party to, or is otherwise bound by, any agreement or arrangement,
including any confidentiality or non-competition agreement, that in any way adversely affects or restricts the performance of
such employee&rsquo;s duties on behalf of any Seller Entity. Each current and former employee of the Seller Entities who has contributed
to the creation or development of any Intellectual Property owned by any Seller Entity has executed a nondisclosure and assignment-of-rights
agreement for the benefit of the Seller Entities vesting all rights in work product created by the employee during the employee&rsquo;s
employment or affiliation with the Seller Entities. No Key Employee of any Seller Entity has provided written notice to a Seller
Entity of his or her intent to terminate his or her employment with the applicable Seller Entity as of the date hereof, and, as
of the date hereof, to Seller&rsquo;s Knowledge, no Key Employee intends to terminate his or her employment with Seller before
Closing. To Seller&rsquo;s Knowledge, the Seller Entities have properly classified all employees for purposes of eligibility for
overtime pursuant to the Fair Labor Standards Act and any other applicable Law.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Section 4.18(c) of Seller&rsquo;s Disclosure Memorandum contains a complete and accurate listing of the name (if an entity, including
the name of the individuals employed by or providing service on behalf of such entity) and contact information of each individual
who has provided personal services to any Seller Entity as an independent contractor, consultant, freelancer or other similar
service provider (collectively, &ldquo;<U>Independent Contractors</U>&rdquo;) during the prior two years and which have been paid
over $30,000 in any 12-month period. A copy of each Contract relating to the services provided by any such Independent Contractor
to a Seller Entity has been made available to Buyer prior to the date hereof. Each Independent Contractor ever retained by the
Seller Entities who has contributed to the creation or development of any Intellectual Property owned by any Seller Entity has
executed a nondisclosure and assignment-of-rights agreement for the benefit of the Seller Entities and the Seller Entities are
the owner of all rights in and to all Intellectual Property created by each Independent Contractor in performing services for
the Seller Entities vesting all rights in work product created in the Seller Entities. The Seller Entities have no obligation
or liability with respect to any taxes (or the withholding thereof) in connection with any Independent Contractor. The Seller
Entities have properly classified, pursuant to the Internal Revenue Code, and any other applicable Law, and under Seller Benefit
Plans, all Independent Contractors used by the Seller Entities, or other individuals who provided services as non-employees to
any Seller Entity, at any point. The engagement of each Independent Contractor of each Seller Entity is terminable at will by
the relevant Seller Entity without any penalty, liability or severance obligation incurred by any Seller Entity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
The Seller Entities have no &ldquo;leased employees&rdquo; within the meaning of Internal Revenue Code Section 414(n).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
The Seller Entities have, or will have no later than the Closing Date, paid all accrued salaries, bonuses, commissions, and other
wages due to be paid through the Closing Date. Each of the Seller Entities is and at all times has been in material compliance
with all Law governing the employment of labor and the withholding of Taxes, including all contractual commitments and all such
Laws relating to wages, hours, affirmative action, collective bargaining, discrimination, civil rights, disability accommodation,
employee leave, unemployment, worker classification, immigration, safety and health, workers&rsquo; compensation and the collection
and payment of withholding or Social Security Taxes and similar Taxes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
There have not been any wage and hour claims, discrimination, disability accommodation, or other employment claims or charges
by, or any allegations of sexual or other misconduct, harassment or discrimination have been made against, any current, former
or prospective employee of any Seller Entity since December 31, 2017, nor, to Seller&rsquo;s Knowledge, are there any such claims
or charges currently threatened by any current, former or prospective employee of any Seller Entity. To the Knowledge of Seller,
there are no governmental investigations open with or under consideration by the United States Department of Labor (&ldquo;<U>DOL</U>&rdquo;),
Equal Employment Opportunity Commission, or any other federal or state governmental body charged with administering or enforcing
employment related Laws. No Seller Entity has entered into any settlement agreement related to allegations of sexual or other
misconduct, harassment or discrimination by any employee.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(g)
All of the Seller Entities&rsquo; employees are employed in the United States and are either United States citizens or are legally
entitled to work in the United States under the Immigration Reform and Control Act of 1986, as amended, other United States immigration
Laws and the Laws related to the employment of non-United States citizens applicable in the state in which the employees are employed.
The Seller Entities have completed a Form I-9 (Employment Eligibility Verification) for each employee, and each such Form I-9
has since been updated as required by applicable Law and is correct and complete in all material respects.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(h)
Since December 31, 2017, none of the Seller Entities has implemented any plant closing or mass layoff, as defined under the WARN
Act, without providing notice in accordance with the WARN Act, and no such actions are currently contemplated, planned or announced.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
The Seller Entities have (i) implemented, to the extent required, policies and procedures to enable social distancing and remote
working environments for employees of the Seller Entities, (ii) taken commercially reasonable steps to ensure regular disinfection
and cleaning of work areas, including offices, restrooms, common areas and all high-touch surfaces in the workplace, and (iii)
required all employees who report experiencing symptoms of COVID-19 (including cough, shortness of breath or fever) to either
stay home or to go home immediately, as applicable. The Seller Entities have complied in all material respects with all applicable
Laws related to the Pandemic, including &ldquo;shelter in place,&rdquo; &ldquo;essential business&rdquo; and similar Pandemic
Measures and applicable Laws concerning employee leaves of absence. Section 4.18(i) of Seller&rsquo;s Disclosure Memorandum lists
all of the following for the Seller Entities since March 1, 2020, or otherwise in response to or in connection with the Pandemic
or business circumstances related thereto: (i) employee furloughs; (ii) reductions in employee salary, other compensation, benefits
or hours; (iii) employee lay-offs or terminations; or (iv) other material changes in employee policies, practices or terms and
conditions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(j)
Reserved.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_036"></A>4.19. Employee
Benefit Plans.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Seller has made available to Buyer prior to the execution of this Agreement, true, complete and correct copies of each Employee
Benefit Plan (including all amendments thereto), that has been adopted, maintained, sponsored in whole or in part by, or contributed
to or required to be contributed to by any Seller Entity or Seller ERISA Affiliate for the benefit of employees, retirees, dependents,
spouses, directors, independent contractors, or other beneficiaries or under which employees, retirees, former employees, dependents,
spouses, directors, independent contractors, or other beneficiaries are eligible to participate or with respect to which Seller
or any Seller ERISA Affiliate has or may have any obligation or Liability (each, a &ldquo;<U>Seller Benefit Plan</U>&rdquo;).
For the avoidance of doubt, the term &ldquo;Seller Benefit Plans&rdquo; includes plans, programs, policies, and arrangements sponsored
or maintained by a third-party professional employer organization in which the current or former employees, retirees, dependents,
spouses, directors, Independent Contractors, or other beneficiaries of a Seller Entity or any of its affiliates are eligible to
participate. Section 4.19(a) of Seller&rsquo;s Disclosure Memorandum has a complete and accurate list of all Seller Benefit Plans.
No Seller Benefit Plan is subject to any Laws other than those of the United States or any state, county, or municipality in the
United States. Seller has made available to Buyer prior to the execution of this Agreement (i) all trust agreements or other funding
arrangements for all Seller Benefit Plans, (ii) all determination letters, opinion letters, information letters or advisory opinions
issued by the IRS, the DOL or the Pension Benefit Guaranty Corporation (&ldquo;<U>PBGC</U>&rdquo;) during this calendar year or
any of the preceding three calendar years, (iii) annual reports or returns, audited or unaudited financial statements, actuarial
reports and valuations prepared for any Seller Benefit Plan for the current plan year and the preceding plan year, (iv) the most
recent summary plan descriptions and any material modifications thereto, (v) any correspondence with the DOL, IRS, PBGC, or any
other governmental entity regarding a Seller Benefit Plan, and (vi) all actuarial valuations of Seller Benefit Plans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each Seller Benefit Plan is and has been maintained in compliance with the terms of such Seller Benefit Plan, and in compliance
with the applicable requirements of the Internal Revenue Code, ERISA, and any other applicable Laws in all material respects.
No Seller Benefit Plan is required to be amended within the 90-day period beginning on the Closing Date in order to continue to
comply with ERISA, the Internal Revenue Code, and other applicable Law. Each Seller Benefit Plan that is intended to be qualified
under Section 401(a) of the Internal Revenue Code is so qualified and has received a favorable determination letter, or for a
prototype plan, opinion letter, from the IRS that is still in effect and applies to the Seller Benefit Plan and on which such
Seller Benefit Plan is entitled to rely. Nothing has occurred and no circumstance exists that would be reasonably expected to
result in the loss of the qualified status of such Seller Benefit Plan. Within the past three years, no Seller Entity has taken
any action to take material corrective action or make a filing under any voluntary correction program of the IRS, DOL or any other
Regulatory Authority with respect to any Seller Benefit Plan. All assets of each Seller Benefit Plan that is a retirement plan
consist exclusively of cash and actively traded securities.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
There are no pending or, to the Knowledge of Seller, threatened claims or disputes under the terms of, or in connection with,
the Seller Benefit Plans other than claims for benefits in the Ordinary Course that are not expected to result in material liability
to any Seller Entity, and no action, proceeding, prosecution, inquiry, hearing or investigation or audit has been commenced with
respect to any Seller Benefit Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
No Seller Entity or any Affiliate of Seller has engaged in any prohibited transaction for which there is not an exemption, within
the meaning of Section 4975 of the Internal Revenue Code or Section 406 of ERISA, with respect to any Seller Benefit Plan and
no prohibited transaction has occurred with respect to any Seller Benefit Plan that would be reasonably expected to result in
any Liability or excise Tax under ERISA or the Internal Revenue Code. No Seller Entity, Seller Entity employee, nor any committee
of which any Seller Entity employee is a member has breached his or her fiduciary duty with respect to a Seller Benefit Plan in
connection with any acts taken (or failed to be taken) with respect to the administration or investment of the assets of any Seller
Benefit Plan. To Seller&rsquo;s Knowledge, no fiduciary, within the meaning of Section 3(21) of ERISA, who is not a Seller Entity
or any Seller Entity employee, has breached his or her fiduciary duty with respect to a Seller Benefit Plan or otherwise has any
Liability in connection with any acts taken (or failed to be taken) with respect to the administration or investment of the assets
of any Seller Benefit Plan. The treatment of the awards of Seller Equity Rights as required under Section 2.3 of this Agreement
is permitted by applicable Law and the terms of the applicable plan and award agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
Neither Seller nor any Seller ERISA Affiliate has at any time been a party to or maintained, sponsored, contributed to or has
been obligated to contribute to, or had any Liability with respect to, or would reasonably be expected to have any such obligation
to contribute to or Liability with respect to: (i) a plan subject to Title IV of ERISA, Section 302 of ERISA, or Section 412 of
the Internal Revenue Code; (ii) a &ldquo;multiemployer plan&rdquo; (as defined in ERISA Section 3(37) and 4001(a)(3)); (iii) a
&ldquo;multiple employer plan&rdquo; (as defined in 29 C.F.R. &sect; 4001.2) or a plan subject to Section 413(c) of the Internal
Revenue Code; (iv) a &ldquo;multiple employer welfare arrangement&rdquo; (as defined in Section 3(40) of ERISA or applicable state
law); (v) except as set forth on Section 4.19(e) of Seller&rsquo;s Disclosure Memorandum, a self-funded health or welfare benefit
plan; or (vi) any voluntary employees&rsquo; beneficiary association (within the meaning of Section 501(c)(9) of the Internal
Revenue Code). Each self-funded health or welfare benefit plan set forth on Section 4.19(e) of Seller&rsquo;s Disclosure Memorandum
is covered under a stop-loss insurance policy, and Seller has provided Buyer with copies of each such stop-loss insurance policy.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
Each Seller Benefit Plan or other arrangement of a Seller Entity that is a &ldquo;nonqualified deferred compensation plan&rdquo;
within the meaning of Section 409A of the Internal Revenue Code has a plan document that satisfies the requirements of Section
409A of the Internal Revenue Code and has been operated in compliance with the terms of such plan document and the requirements
of Section 409A of the Internal Revenue Code in all material respects, in each case such that no Tax is or has been due or payable
under Section 409A(a)(1) of the Internal Revenue Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(g)
Each Seller Benefit Plan that is a health or welfare plan has been amended and administered in accordance with the requirements
of the Patient Protection and Affordable Care Act of 2010 in all material respects. No Seller Entity has any Liability or obligation
to provide postretirement health, medical or life insurance benefits to any Seller Entity&rsquo;s employees or former employees,
officers, or directors, or any dependent or beneficiary thereof, except as otherwise required under state or federal benefits
continuation Laws and for which the covered individual pays the full cost of coverage. No Tax under Internal Revenue Code Sections
4980, 4980B through 4980I, or 5000 has been incurred with respect to any Seller Benefit Plan and no circumstance exists which
would reasonably be expected to give rise to such Tax.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(h)
Reserved.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
All contributions required to be made to any Seller Benefit Plan by applicable Law or by any plan document or other contractual
undertaking, and all premiums due or payable with respect to insurance policies funding any Seller Benefit Plan, for any period
through the date hereof, have been timely made or paid in full or, to the extent not required to be made or paid on or before
the date hereof, have been fully reflected on the Books and Records of Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(j)
Neither the execution and delivery of this Agreement nor the consummation of the transactions contemplated hereby will (either
alone or in conjunction with any other event) result in, cause the vesting, exercisability or delivery of, or increase in the
amount or value of, any payment, right or other benefit to any employee, officer, director or other service provider of any Seller
Entity, or result in any (a) requirement to fund any benefits or set aside benefits in a trust (including a rabbi trust), (b)
limitation on the right of any Seller Entity to amend, merge, terminate or receive a reversion of assets from any Seller Benefit
Plan or related trust, (c) acceleration of the time of payment or vesting of any such payment, right, compensation or benefit,
or (d) entitlement by any recipient of any payment or benefit to receive a &ldquo;gross up&rdquo; payment for any income or other
Taxes that might be owed with respect to such payment or benefit. Without limiting the generality of the foregoing, no amount
paid or payable (whether in cash, in property, or in the form of benefits) by the Seller Entities in connection with the transactions
contemplated hereby (either solely as a result thereof or as a result of such transactions in conjunction with any other event)
will be an &ldquo;excess parachute payment&rdquo; within the meaning of Section 280G of the Internal Revenue Code. Section 4.19(j)
of Seller&rsquo;s Disclosure Memorandum sets forth accurate and complete data with respect to each individual who has a contractual
right to severance pay or benefits (or increase in severance pay or benefits, including the acceleration of any payment or vesting)
triggered by a change in control and the amounts potentially payable to each such individual in connection with the execution
and delivery of this Agreement or the consummation of the transactions contemplated hereby (either alone or in conjunction with
any other event) or as a result of a termination of employment or service, taking into account any contractual provisions relating
to Section 280G of the Internal Revenue Code. No Seller Benefit Plan provides for, and no Seller Entity has any obligation or
commit to provide, the gross-up or reimbursement of Taxes under Internal Revenue Code Section 4999 or 409A, or otherwise.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_037"></A>4.20. Material
Contracts.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
None of the Seller Entities, nor any of their respective Assets, businesses, or operations, is a party to, or is bound by or receives
benefits under, any Contract (whether written or oral), (i) that is either material to any Seller Entity or that would be required
to be filed as an exhibit to a Form 10-K filed by any Seller Entity with the SEC if the Seller Entity were required to file or
voluntarily filed such Form 10-K, (ii) that is an employment, severance, termination, consulting, or retirement Contract, (iii)
relating to the borrowing of money by any Seller Entity or the guarantee by any Seller Entity of any such obligation (other than
Contracts evidencing deposit liabilities, purchases of federal funds, fully secured repurchase agreements, advances and loans
from the Federal Home Loan Bank, and trade payables, in each case in the Ordinary Course) in excess of $50,000, including any
sale and leaseback transactions, capitalized leases and other similar financing arrangements, (iv) which prohibits or restricts
any Seller Entity (and/or, following consummation of the transactions contemplated by this Agreement, any Buyer Entity) from engaging
in any business activities in any geographic area, line of business or otherwise in competition with any other Person, (v) relating
to the purchase or sale of any goods or services by a Seller Entity (other than Contracts entered into in the Ordinary Course
and involving payments under any individual Contract not in excess of $75,000 over its remaining term or involving Loans, borrowings
or guarantees originated or purchased by any Seller Entity in the Ordinary Course), (vi) which obligates any Seller Entity to
conduct business with any third party on an exclusive or preferential basis, or requires referrals of business or any Seller Entity
to make available investment opportunities to any Person on a priority or exclusive basis, (vii) which limits the payment of dividends
by any Seller Entity, (viii) pursuant to which any Seller Entity has agreed with any third parties to become a member of, manage
or control a joint venture, partnership, limited liability company or other similar entity, (ix) pursuant to which any Seller
Entity has agreed with any third party to a change of control transaction such as an acquisition, divestiture or merger or </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">contains
a put, call or similar right involving the purchase or sale of any equity interests or Assets of any Person and which contains
representations, covenants, indemnities or other obligations (including indemnification, &ldquo;earn-out&rdquo; or other contingent
obligations) that are still in effect, (x) which relates to Intellectual Property of Seller, (xi) between any Seller Entity, on
the one hand, and (A) any officer or director of any Seller Entity, or (B) to the Knowledge of Seller, any (1) record or beneficial
owner of five percent or more of the voting securities of Seller, (2) Affiliate or family member of any such officer, director
or record or beneficial owner or (3) any other Affiliate of Seller, on the other hand, except those of a type available to employees
of Seller generally, (xii) that provides for payments to be made by any Seller Entity upon a change in control thereof, (xiii)
that may not be canceled by Buyer, Seller or any of their respective Subsidiaries (A) at their convenience (subject to no more
than 90 days&rsquo; prior written notice), or (B) without payment of a penalty or termination fee equal to or greater than $50,000
(assuming such Contract was terminated on the Closing Date), (xiv) containing any standstill or similar agreement pursuant to
which Seller has agreed not to acquire Assets or equity interests of another Person, (xv) that provides for indemnification by
any Seller Entity of any Person, except for non-material Contracts entered into in the Ordinary Course, (xvi) with or to a labor
union or guild (including any collective bargaining agreement), (xvii) that grants any &ldquo;most favored nation&rdquo; right,
right of first refusal, right of first offer or similar right with respect to any material Assets, or rights of any Seller Entity,
taken as a whole, (xviii) that would be terminable other than by a Seller Entity or under which a material payment obligation
would arise or be accelerated, in each case as a result of the Merger or the announcement or consummation of the transactions
contemplated by this Agreement (either alone or upon the occurrence of any additional acts or events), (xix) any other Contract
or amendment thereto that is material to any Seller Entity or their respective business or Assets and not otherwise entered into
in the Ordinary Course, (xx) any Seller Benefit Plans, pursuant to which any of the benefits thereunder will be increased, or
the vesting of the benefits will be accelerated, by the occurrence of the execution or delivery of this Agreement, the obtainment
of the Seller Shareholder Approval or the consummation of any of the transactions contemplated by this Agreement, or the value
of any of benefits under which will be calculated on the basis of any of the transactions contemplated by this Agreement, (xxi)
that is a settlement, consent or similar Contract and contains any material continuing obligations of any Seller Entity, or (xxii)
that is a consulting Contract or data processing, software programming or licensing Contract involving the payment of more than
$50,000 per annum (other than any such contracts which are terminable by any Seller Entity on 30 days or less notice without any
required payment or other conditions, other than the condition of notice). Each Contract of the type described in this Section
4.20(a), whether or not set forth in Seller&rsquo;s Disclosure Memorandum, together with all Contracts referred to in Sections
4.13 and 4.19(a), are referred to herein as the &ldquo;<U>Seller Contracts</U>.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
With respect to each Seller Contract: (i) the Seller Contract is legal, valid and binding on a Seller Entity and is in full force
and effect and is enforceable in accordance with its terms; (ii) no Seller Entity is in Default thereunder; (iii) no Seller Entity
has repudiated or waived any material provision of any such Seller Contract; (iv) no other party to any such Seller Contract is,
to the Knowledge of Seller, in Default or has repudiated or waived any material provision thereunder; and (v) there is not pending
or, to the Knowledge of Seller, threatened cancellations of any Seller Contract.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Seller has made available true, complete and correct copies of each Seller Contract in effect as of the date hereof. All of the
indebtedness of any Seller Entity for money borrowed is prepayable at any time by such Seller Entity without penalty or premium.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_038"></A>4.21. Agreements
with Regulatory Authorities.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject
to Section 10.15, no Seller Entity is subject to any cease-and-desist or other Order or enforcement action issued by, or is a
party to any Contract with, or is a party to any commitment letter, safety and soundness compliance plan, or similar undertaking
to, or is subject to any Order or directive by, or has been ordered to pay any civil money penalty by, or has been a recipient
of any supervisory letter from, or has adopted any policies, </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">procedures or board resolutions at the request or suggestion of any
Regulatory Authority that currently restricts in any material respect the conduct of its business or that in any material manner
relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management, its business,
or Seller Bank&rsquo;s acceptance of brokered deposits (each, whether or not set forth in Seller&rsquo;s Disclosure Memorandum,
a &ldquo;<U>Seller Regulatory Agreement</U>&rdquo;), nor has any Seller Entity been advised in writing or, to Seller&rsquo;s Knowledge,
orally, since December 31, 2017, by any Regulatory Authority that Seller Bank is in troubled condition or that the Regulatory
Authority is considering issuing, initiating, ordering, or requesting any such Seller Regulatory Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_039"></A>4.22.
Investment Securities.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each Seller Entity has good title in all material respects to all securities and commodities owned by it (except those sold under
repurchase agreements, pledged to secure deposits of public funds, borrowings of federal funds or borrowings from the Federal
Reserve Banks or Federal Home Loan Banks or held in any fiduciary or agency capacity), free and clear of any Lien, except to the
extent such securities or commodities are pledged in the Ordinary Course and in accordance with prudent banking practices to secure
obligations of a Seller Entity. Such securities are valued on the books of Seller in accordance with GAAP in all material respects.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each Seller Entity employs, to the extent applicable, investment, securities, risk management and other policies, practices and
procedures that Seller believes are prudent and reasonable in the context of their respective businesses, and each Seller Entity
has, since December 31, 2017, been in compliance with such policies, practices and procedures in all material respects.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_040"></A>4.23. Derivative
Instruments and Transactions.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">All
Derivative Transactions whether entered into for the account of any Seller Entity or for the account of a customer of any Seller
Entity (a) were entered into in the Ordinary Course and in accordance with prudent banking practice and in all material respects
with applicable rules, regulations and policies of all applicable Regulatory Authorities, (b) are legal, valid and binding obligations
of the Seller Entity party thereto and, to the Knowledge of Seller, each of the counterparties thereto, and (c) are in full force
and effect and enforceable in accordance with their terms. The Seller Entities and, to the Knowledge of Seller, the counterparties
to all such Derivative Transactions, have duly performed, in all material respects, their obligations thereunder to the extent
that such obligations to perform have accrued. To the Knowledge of Seller, there are no material breaches, violations or Defaults
or allegations or assertions of such by any party pursuant to any such Derivative Transactions. The financial position of the
Seller Entities on a consolidated basis under or with respect to each such Derivative Transaction has been reflected in the Books
and Records of the Seller Entities in accordance with GAAP.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_041"></A>4.24. Legal
Proceedings.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
There is no Litigation instituted or pending, or, to the Knowledge of Seller, threatened, against any Seller Entity or against
any current or former director, officer or employee of a Seller Entity in their capacities as such or against any Employee Benefit
Plan of any Seller Entity, or against any Asset, interest, or right of any of them, nor are there any Orders outstanding against
any Seller Entity or the Assets of any Seller Entity, in each case, that has had or would reasonably be expected to have, either
individually or in the aggregate, a Material Adverse Effect on any Seller Entity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Section 4.24(b)(i) of Seller&rsquo;s Disclosure Memorandum sets forth a list of all Litigation as of the date of this Agreement
to which any Seller Entity is a party. There is no Order to which any Seller Entity is subject (or that, upon consummation of
the Merger, would apply to any Seller Entity).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_042"></A>4.25. Statements
True and Correct.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
None of the information supplied or to be supplied by any Seller Entity or any Affiliate thereof for inclusion (including by incorporation
by reference) in the Registration Statement to be filed by Buyer with the SEC will, when supplied or when the Registration Statement
becomes effective (or when incorporated by reference), be false or misleading with respect to any material fact, or omit to state
any material fact necessary to make the statements therein not misleading. The portions of the Registration Statement and the
Proxy Statement/Prospectus relating to the Seller Entities and other portions within the reasonable control of the Seller Entities
will comply as to form in all material respects with the requirements of the Exchange Act and the rules and regulations thereunder
at the time the Registration Statement becomes effective and at the time the Proxy Statement/Prospectus is filed with the SEC
and first mailed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
None of the information supplied or to be supplied by any Seller Entity or any Affiliate thereof for inclusion (including by incorporation
by reference) in the Proxy Statement/Prospectus, and any other documents to be filed by a Seller Entity or any Affiliate thereof
with any Regulatory Authority in connection with the transactions contemplated hereby, will, at the respective time such information
is supplied and such documents are filed (or when incorporated by reference), and with respect to the Proxy Statement/Prospectus,
when first mailed to the shareholders of Seller, be false or misleading with respect to any material fact, or omit to state any
material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading,
or, in the case of the Proxy Statement/Prospectus or any amendment thereof or supplement thereto, at the time of Seller&rsquo;s
Shareholders&rsquo; Meeting, be false or misleading with respect to any material fact, or omit to state any material fact necessary
to correct any statement in any earlier communication with respect to the solicitation of any proxy for Seller&rsquo;s Shareholders&rsquo;
Meeting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_043"></A>4.26. State
Takeover Statutes and Takeover Provisions.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Seller
has taken all action required to be taken by it in order to exempt this Agreement and the transactions contemplated hereby from,
and this Agreement and the transactions contemplated hereby are exempt from, the requirements of any &ldquo;moratorium,&rdquo;
&ldquo;fair price,&rdquo; &ldquo;affiliate transaction,&rdquo; &ldquo;business combination,&rdquo; &ldquo;control share acquisition&rdquo;
or similar provision of any state anti-takeover Law (collectively, &ldquo;<U>Takeover Statutes</U>&rdquo;). No Seller Entity is
the beneficial owner (directly or indirectly) of more than 10% of the outstanding capital stock of Buyer entitled to vote in the
election of Buyer&rsquo;s directors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_044"></A>4.27. Opinion
of Financial Advisor.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Seller
has received the opinion of Stephens, Inc., which, if initially rendered verbally has been confirmed by a written opinion, dated
the date of this Agreement, to the effect that, as of such date, and subject to the various assumptions, procedures, matters,
qualifications, and limitations on the scope of review undertaken by Stephens, Inc., as set forth therein, the consideration to
be paid to the Holders of Seller Common Stock in the Merger is fair, from a financial point of view, to such Holders. Such opinion
has not been amended or rescinded.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_045"></A>4.28. Tax
and Regulatory Matters.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Seller Entity or, to the Knowledge of Seller, any Affiliate thereof has taken or agreed to take any action, and Seller does not
have any Knowledge of any agreement, plan or other circumstance, that is reasonably likely to (a) prevent the Merger from qualifying
as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Internal Revenue Code or (b) materially impede or
delay receipt of any of the Requisite Regulatory Approvals.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_046"></A>4.29.
Loan Matters.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
No Seller Entity is a party to any written or oral Loan in which any Seller Entity is a creditor which as of September 30, 2021,
had an outstanding balance of $25,000 or more and under the terms of which the obligor was, as of September 30, 2021, over 90
days or more delinquent in payment of principal or interest and not on a non-accrual status. Except as such disclosure may be
limited by any applicable Law, Section 4.29(a) of Seller&rsquo;s Disclosure Memorandum sets forth a true, complete and correct
list of all of the Loans of the Seller Entities that, as of September 30, 2021, had an outstanding balance of $25,000 or more
and were (i) on a non-accrual status, (ii) classified by the Seller Entity as &ldquo;Other Loans Specially Mentioned,&rdquo; &ldquo;Special
Mention,&rdquo; &ldquo;Substandard,&rdquo; &ldquo;Doubtful,&rdquo; &ldquo;Loss,&rdquo; &ldquo;Classified,&rdquo; &ldquo;Criticized,&rdquo;
&ldquo;Credit Risk Assets,&rdquo; &ldquo;Concerned Loans,&rdquo; &ldquo;Watch List&rdquo; or words of similar import, or (iii)
subject to a deferral or payment modification (including the date on which such Loans are to return to the contractual payment
schedule in place prior to the deferral or payment modification), in any case (i), (ii) or (iii), together with the principal
amount of and accrued and unpaid interest on each such Loan and the aggregate principal amount of and accrued and unpaid interest
on such Loans as of September 30, 2021.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each Loan currently outstanding (i) is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine
and what they purport to be, (ii) to the extent secured, has been secured by valid Liens which have been perfected, and (iii)
is a legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms (except as may
be limited by the Bankruptcy and Equity Exceptions). The notes or other credit or security documents with respect to each such
outstanding Loan were in compliance in all material respects with all applicable Laws at the time of origination or purchase by
a Seller Entity and are complete and correct in all material respects.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Each outstanding Loan (including Loans held for resale to investors) was solicited and originated, and is and has been administered
and, where applicable, serviced, and the relevant Loan files are being maintained, in all material respects, in accordance with
the relevant notes or other credit or security documents, the Seller Entity&rsquo;s written underwriting standards (and, in the
case of Loans held for resale to investors, the underwriting standards, if any, of the applicable investors) and with all applicable
requirements of Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
None of the Contracts pursuant to which any Seller Entity has sold Loans or pools of Loans or participations in Loans or pools
of Loans contains any obligation to repurchase such Loans or interests therein solely on account of a payment default by the obligor
on any such Loan. Each Loan included in a pool of Loans originated, securitized or acquired by any Seller Entity (a &ldquo;<U>Pool</U>&rdquo;)
meets all eligibility requirements (including all applicable requirements for obtaining mortgage insurance certificates and Loan
guaranty certificates) for inclusion in such Pool. All such Pools have been finally certified or, if required, recertified in
accordance with all applicable Laws, rules and regulations, except where the time for certification or recertification has not
yet expired. No Pools have been improperly certified, and, except as would not be material to Seller and the Seller Subsidiaries,
no Loan has been bought out of a Pool without all required approvals of the applicable investors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
(i) Section 4.29(e) of Seller&rsquo;s Disclosure Memorandum sets forth a list of all Loans as of the date hereof by a Seller Entity
to any directors, executive officers and principal shareholders (as such terms are defined in Regulation O of the Federal Reserve
(12 C.F.R. Part 215) (&ldquo;<U>Regulation O</U>&rdquo;)) of any Seller Entity, (ii) there are no employee, officer, director,
principal shareholder or other affiliate Loans on which the borrower is paying a rate other than that reflected in the note or
other relevant credit or security agreement or on which the borrower is paying a rate which was not in compliance with Regulation
O, and (iii) all such Loans are and were originated in compliance in all material respects with all applicable Laws.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
Subject to Section 10.15, no Seller Entity is now nor has it ever been since December 31, 2017, subject to any material fine,
suspension, settlement or other Contract or other administrative agreement or sanction by, or any reduction in any loan purchase
commitment from, any Regulatory Authority relating to the origination, sale or servicing of mortgage or consumer Loans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_047"></A>4.30. Deposits.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">All
of the deposits held by Seller Bank (including the records and documentation pertaining to such deposits) have been established
and are held in compliance in all material respects with (a) all applicable policies, practices and procedures of Seller Bank
and (b) all applicable Laws, including Money Laundering Laws and anti-terrorism or embargoed persons requirements. All of the
deposits held by Seller Bank are insured to the maximum limit set by the FDIC, and the FDIC premium and all assessments have been
fully paid, and no proceedings for the termination or revocation of such insurance are pending, or, to the Knowledge of Seller,
threatened.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_048"></A>4.31. Allowance
for Loan and Lease Losses.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
allowance for loan and lease losses (&ldquo;<U>ALLL</U>&rdquo;) reflected in the Seller Financial Statements was, as of the date
of each of the Seller Financial Statements, in compliance with Seller&rsquo;s existing methodology for determining the adequacy
of the ALLL and in compliance in all material respects with the standards established by the applicable Regulatory Authority,
the Financial Accounting Standards Board and GAAP, and, as reasonably determined by management under the circumstances, is adequate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_049"></A>4.32. Insurance.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Seller
Entities are insured with reputable insurers against such risks and in such amounts as the management of Seller reasonably has
determined to be prudent and consistent with industry practice. Section 4.32 of Seller&rsquo;s Disclosure Memorandum contains
a true, complete and correct list and a brief description (including the name of the insurer, agent, coverage and the expiration
date) of all insurance policies in force on the date hereof with respect to the business and Assets of the Seller Entities, correct
and complete copies of which policies have been provided to Buyer prior to the date hereof. The Seller Entities are in material
compliance with their insurance policies and are not in Default under any of the material terms thereof. Each such policy is outstanding
and in full force and effect and, except for policies insuring against potential liabilities of officers, directors and employees
of the Seller Entities, Seller or Seller Bank is the sole beneficiary of such policies. All premiums and other payments due under
any such policy have been paid, and all claims thereunder have been filed in due and timely fashion. To Seller&rsquo;s Knowledge,
no Seller Entity has received any written notice of cancellation or non-renewal of any such policies, nor, to Seller&rsquo;s Knowledge,
is the termination of any such policies threatened.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_050"></A>4.33. OFAC;
Sanctions.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Seller Entity nor any director or officer or, to the Knowledge of Seller, any Representative or other Person acting on behalf
of any Seller Entity has (a) engaged in any services (including financial services), transfers of goods, software, or technology,
or any other business activity related to (i) Cuba, Iran, North Korea, Sudan, Syria or the Crimea region of Ukraine claimed by
Russia (&ldquo;<U>Sanctioned Countries</U>&rdquo;), (ii) the government of any Sanctioned Country, (iii) any person, entity or
organization located in, resident in, formed under the laws of, or owned or controlled by the government of, any Sanctioned Country,
or (iv) any Person made subject of any sanctions administered or enforced by the United States Government, including, without
limitation, the list of Specially Designated Nationals of the U.S. Department of the Treasury&rsquo;s Office of Foreign Assets
Control, or by the United Nations Security Council, the European Union, Her Majesty&rsquo;s Treasury, or other relevant sanctions
authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), (b) engaged in any transfers of goods, technologies or services (including</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">
financial services) that may assist the governments of Sanctioned Countries or facilitate money laundering or other activities
proscribed by United States Law, (c) is a Person currently the subject of any Sanctions or (d) is located, organized or resident
in any Sanctioned Country.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_051"></A>4.34.
Brokers and Finders.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except
for Stephens, Inc., neither Seller nor any of its officers, directors, employees, or Affiliates has employed any broker or finder
or incurred any Liability for any financial advisory fees, investment bankers&rsquo; fees, brokerage fees, commissions, or finders&rsquo;
fees in connection with this Agreement or the transactions contemplated hereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_052"></A>4.35. Transactions
with Affiliates and Insiders.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">There
are no Contracts, plans, arrangements or other transactions, including extensions of credit, between any Seller Entity, on the
one hand, and (a) any officer, director or record or beneficial owner of five percent or more of the voting securities of any
Seller Entity, (b) to Seller&rsquo;s Knowledge, any (i) record or beneficial owner of five percent or more of the voting securities
of Seller or (ii) Affiliate or family member of any such officer, director or record or beneficial owner, or (c) any other Affiliate
of Seller, on the other hand, except those, in each case, of a type available to employees of Seller generally and, in the case
of Seller Bank, that are in compliance with Regulation O and Regulation W.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_053"></A>4.36. No
Investment Adviser Subsidiary.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Seller Entity provides investment management, investment advisory or sub-advisory services to any Person (including management
and advice provided to separate accounts and participation in wrap fee programs) and is required to register with the SEC as an
investment adviser under the Investment Advisers Act of 1940, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_054"></A>4.37. No
Broker-Dealer Subsidiary.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Seller Entity is a broker-dealer required to be registered under the Exchange Act with the SEC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_055"></A>4.38. No
Insurance Subsidiary.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Seller Entity conducts insurance operations that require a license from any Regulatory Authority under any applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B><A NAME="i21655b_056"></A>ARTICLE
5</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<B>REPRESENTATIONS AND WARRANTIES OF BUYER</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except
as Previously Disclosed, Buyer hereby represents and warrants to Seller as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_057"></A>5.1. Reserved.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_058"></A>5.2.
Organization, Standing, and Power.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Status of Buyer</U>. Buyer is a corporation duly organized, validly existing, and in good standing under the Laws of the State
of Arkansas, is authorized under the Laws of the State of Arkansas to engage in its business as currently conducted and otherwise
has the corporate power and authority to own, lease and operate all of its material Assets and to conduct its business in the
manner in which its business is now being conducted. Buyer is duly qualified or licensed to transact business as a foreign corporation
in good standing in the states of</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> the United States and foreign jurisdictions in which its ownership of Assets or conduct of business
requires such qualification or licensure, except where failure to be so qualified or licensed has not had or would not reasonably
be expected to have, either individually or in the aggregate, a Material Adverse Effect on Buyer. Buyer is a bank holding company
duly registered with the Federal Reserve under the BHC Act and has elected to be, and qualifies as, a financial holding company
under the BHC Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Status of Buyer Bank</U>. Buyer Bank is a direct, wholly owned Subsidiary of Buyer, is duly organized, validly existing and
in good standing under the Laws of the State of Arkansas, is authorized under the Laws of the State of Arkansas to engage in its
business as currently conducted and otherwise has the corporate power and authority to own, lease and operate all of its material
Assets and to conduct its business in the manner in which its business is now being conducted. Buyer Bank is authorized by the
Arkansas State Bank Department (&ldquo;<U>ASBD</U>&rdquo;) to engage in the business of banking as a commercial bank. Buyer Bank
is in good standing in each jurisdiction in which its ownership of Assets or conduct of business requires such qualification,
except where failure to be so qualified has not had or would not reasonably be expected to have, either individually or in the
aggregate, a Material Adverse Effect on Buyer Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_059"></A>5.3. Authority;
No Breach by Agreement.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Authority</U>. Buyer has the corporate power and authority necessary to execute, deliver, and perform its obligations under
this Agreement and to consummate the transactions contemplated hereby. The execution, delivery, and performance of this Agreement
and the consummation of the transactions contemplated herein, including the Merger, have been duly and validly authorized and
approved by all necessary corporate action in respect thereof on the part of Buyer (including, approval by, and a determination
by the board of directors of Buyer that this Agreement is advisable and in the best interests of Buyer&rsquo;s shareholders).
This Agreement has been duly executed and delivered by Buyer. Subject to the Seller Shareholder Approval, and assuming the due
authorization, execution and delivery by Seller, this Agreement represents a legal, valid, and binding obligation of Buyer, enforceable
against Buyer in accordance with its terms (except as may be limited by the Bankruptcy and Equity Exceptions).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>No Conflicts</U>. Neither the execution and delivery of this Agreement by Buyer, nor the consummation by Buyer of the transactions
contemplated hereby, nor compliance by Buyer with any of the provisions hereof, will (i) conflict with or result in a breach of
any provision of Buyer&rsquo;s articles of incorporation, bylaws or other governing instruments, or any resolution adopted by
the board of directors or the shareholders of any Buyer Entity, or (ii) subject to receipt of the Requisite Regulatory Approvals,
(x) violate any Law applicable to any Buyer Entity or any of their respective Assets or (y) violate, conflict with, constitute
or result in a Default under or the loss of any benefit under, or result in the creation of any Lien upon any of the respective
Assets of any Buyer Entity under any of the terms, conditions or provisions of any Contract or Permit of any Buyer Entity or under
which any of their respective Assets may be bound, except in the case of clause (y) above where such violations, conflicts or
Defaults have not had or would not reasonably be expected to have, either individually or in the aggregate, a Material Adverse
Effect on Buyer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Consents</U>. Other than in connection or compliance with the provisions of the Securities Laws (including the filing and declaration
of effectiveness of the Registration Statement), applicable state corporate and securities Laws, the rules of Nasdaq, the ABCA,
the TBOC, the Laws of the States of Arkansas and Texas, the FDIA, the BHC Act, and the Requisite Regulatory Approvals, no notice
to, filing with, or Consent of, any Regulatory Authority or any third party is necessary for the consummation by Buyer of the
Merger and the other transactions contemplated by this Agreement. As of the date hereof, Buyer has no Knowledge of any reason
why the Requisite Regulatory Approvals will not be received in order to permit consummation of the Merger on a timely basis.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_060"></A>5.4. Capitalization
of Buyer.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Ownership</U>. The authorized capital stock of Buyer consists of (i) 175,000,000 shares of Buyer Common Stock, of which 114,829,595
shares are issued and outstanding as of November 16, 2021, and (ii) 40,040,000 shares of preferred stock, par value $0.01 per
share of Buyer, of which 767 shares are issued and outstanding as of November 16, 2021. As of November 16, 2021, no more than
8,500,000 shares of Buyer Common Stock are subject to Buyer Stock Options or other Equity Rights in respect of Buyer Common Stock,
and no more than 8,500,000 shares of Buyer Common Stock were reserved for future grants under the Buyer Stock Plans. Upon any
issuance of any shares of Buyer Common Stock in accordance with the terms of the Buyer Stock Plans, such shares will be duly and
validly issued and fully paid and nonassessable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Other Rights or Obligations</U>. All of the issued and outstanding shares of capital stock (and other equity interest) of Buyer
are, and all shares of Buyer Common Stock to be issued in exchange for shares of Seller Common Stock upon consummation of the
Merger, when issued in accordance with the terms of this Agreement, will be, duly authorized and validly issued and outstanding,
and are fully paid and nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof.
None of the outstanding shares of capital stock (or other equity interest) of Buyer has been issued in violation of or subject
to any preemptive rights or other rights to subscribe for or purchase securities of the current or past shareholders of Buyer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Outstanding Equity Rights</U>. Other than the Buyer Stock Options and the Buyer Restricted Stock Awards, in each case, outstanding
as of the date of this Agreement, there are no existing Equity Rights with respect to the securities of Buyer or Buyer Bank as
of the date of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_061"></A>5.5. Buyer
Subsidiaries.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Buyer
or Buyer Bank owns all of the issued and outstanding shares of capital stock (and other equity interests) of the Buyer Subsidiaries.
The deposits in Buyer Bank are insured to the maximum limit set by the FDIC, and the FDIC premium and all assessments have been
fully paid when due. No proceedings for the revocation or termination of such deposit insurance are pending or, to the Knowledge
of Buyer, threatened.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_062"></A>5.6. Regulatory
Reports.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Buyer&rsquo;s Reports</U>. Since December 31, 2017, Buyer has filed on a timely basis, all forms, filings, registrations, submissions,
statements, certifications, returns, information, data, reports and documents required to be filed or furnished by it with any
Regulatory Authority, and such reports were complete and accurate in all material respects and in compliance in all material respects
with the requirements of any applicable Law and the requirements of the applicable Regulatory Authority. Buyer is in compliance
in all material respects with the applicable listing and corporate governance rules and regulations of Nasdaq.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Buyer&rsquo;s SEC Reports</U>. An accurate and complete copy of each final registration statement, prospectus, report, schedule
and definitive proxy statement filed with or furnished to the SEC by any Buyer Entity pursuant to the Securities Act or the Exchange
Act, as the case may be, since December 31, 2017 (the &ldquo;<U>Buyer SEC Reports</U>&rdquo;) is publicly available. No such Buyer
SEC Report, at the time filed, furnished or communicated (and, in the case of registration statements, prospectuses and proxy
statements, on the dates of effectiveness, dates of first sale of securities and the dates of the relevant meetings, respectively),
contained any untrue statement of a material fact or omitted to state any material fact required to be stated therein or necessary
in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except that information
filed or furnished as of a later date (but before the date of this Agreement) shall be deemed to modify information as of an earlier
date. As of their respective dates, all Buyer SEC Reports filed or furnished under the Securities Act and the Exchange Act complied
as to form in all material respects with the published rules and regulations of the SEC with respect thereto. As of the date of
this Agreement, no executive officer of Buyer has failed in any </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">respect to make the certifications required of him or her under
Section 302 or 906 of the Sarbanes-Oxley Act. As of the date of this Agreement, there are no outstanding comments from or material
unresolved issues raised by the SEC with respect to any of the Buyer SEC Reports.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Buyer Bank&rsquo;s Reports</U>. Since December 31, 2017, each of Buyer and Buyer Bank has duly filed with ASBD, the Federal
Reserve, and any other applicable Regulatory Authority, as the case may be, all reports, forms, returns, filings, information,
data, registrations, submissions, statements, certifications and documents required to be filed or furnished by each of Buyer
and Buyer Bank under any applicable Law, including any and all federal and state banking Laws, and such reports were complete
and accurate in all material respects and in compliance in all material respects with the requirements of any applicable Law.
Subject to Section 10.15, there (i) is no unresolved violation, criticism, or exception by any Regulatory Authority with respect
to any report or statement relating to any examinations, inspections or investigations of any Buyer Entity and (ii) except for
routine communications between any Buyer Entity and any Regulatory Authority in connection with normal examinations, has been
no formal or informal inquiries by, or disagreements or disputes with, any Regulatory Authority with respect to the business,
operations, policies or procedures of any Buyer Entity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_063"></A>5.7. Financial
Matters.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Financial Statements</U>. The Buyer Financial Statements included or incorporated by reference in the Buyer SEC Reports (i)
have been prepared from, and are in accordance with, the Books and Records of the Buyer Entities, (ii) have been prepared in accordance
with GAAP, regulatory accounting principles and applicable accounting requirements and, if applicable, with the published rules
and regulations of the SEC, in each case, consistently applied except as may be otherwise indicated in the notes thereto and except
with respect to the unaudited financial statements for the omission of footnotes and (iii) fairly present in all material respects
the consolidated financial condition of the Buyer Entities as of the respective dates set forth therein and the consolidated results
of operations, shareholders&rsquo; equity and cash flows of the Buyer Entities for the respective periods set forth therein, subject
in the case of the interim financial statements to year-end adjustments. The consolidated Buyer Financial Statements to be prepared
after the date of this Agreement and prior to the Closing (A) will have been prepared in accordance with GAAP, regulatory accounting
principles and applicable accounting requirements and, if applicable, with the published rules and regulations of the SEC, in
each case, consistently applied except as may be otherwise indicated in the notes thereto and except with respect to unaudited
financial statements for the omission of footnotes and year-end adjustments, and (B) will fairly present in all material respects
the consolidated financial condition of Buyer as of the respective dates set forth therein and the results of operations, shareholders&rsquo;
equity (except with respect to unaudited financial statements) and cash flows (except with respect to unaudited financial statements)
of Buyer for the respective periods set forth therein, subject in the case of unaudited financial statements to the omission of
footnotes and year-end adjustments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Call Reports</U>. The financial statements contained in the Call Reports of Buyer Bank for the periods ending on or after December
31, 2017 (i) have been prepared in accordance with GAAP (except to the extent applicable Law requires otherwise) and regulatory
accounting principles consistently applied, except as may be otherwise indicated in the notes thereto and except for the omission
of footnotes and (ii) fairly present in all material respects the financial condition of Buyer Bank as of the respective dates
set forth therein and the results of operations and shareholders&rsquo; equity for the respective periods set forth therein, subject
to year-end adjustments. The financial statements contained in the Call Reports of Buyer Bank to be prepared after the date of
this Agreement and prior to the Closing (A) will have been prepared in accordance with GAAP (except to the extent applicable Law
requires otherwise) and regulatory accounting principles consistently applied, except as may be otherwise indicated in the notes
thereto and except for the omission of footnotes, and (B) will fairly present in all material respects the financial condition
of Buyer Bank as of the respective dates set forth therein and the results of operations and shareholders&rsquo; equity of Buyer
Bank for the respective periods set forth therein, subject to year-end adjustments.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Systems and Processes</U>. Each of Buyer and Buyer Bank has in place sufficient systems and processes that are customary for
a financial institution of the size of Buyer and Buyer Bank and that are designed to (i) provide reasonable assurances regarding
the reliability of financial reporting and the preparation of the Buyer Financial Statements and Buyer Bank&rsquo;s financial
statements, including the Call Report and (ii) in a timely manner accumulate and communicate to Buyer&rsquo;s and Buyer Bank&rsquo;s
principal executive officer and principal financial officer the type of information that would be required to be disclosed in
Buyer Financial Statements and Buyer Bank&rsquo;s financial statements, including the Call Report, or any forms, filings, registrations,
submissions, statements, certifications, returns, information, data, reports or documents required to be filed or provided to
any Regulatory Authority, (iii) provide that access to Buyer and Buyer Bank&rsquo;s Assets is permitted only in accordance with
management&rsquo;s authorization, and (iv) provide that the reporting of such Assets is compared with existing Assets at regular
intervals. Neither Buyer nor Buyer Bank nor, to Buyer&rsquo;s Knowledge, any Representative of any Buyer Entity has received or
otherwise had or obtained Knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding
the adequacy of such systems and processes or the accuracy or integrity of Buyer Financial Statements, the Buyer Bank&rsquo;s
financial statements, including the Call Reports, or the accounting or auditing practices, procedures, methodologies or methods
(including with respect to loan loss reserves, write-downs, charge-offs and accruals) of any Buyer Entity or their respective
internal accounting controls, including any material complaint, allegation, assertion or claim that any Buyer Entity has engaged
in questionable accounting or auditing practices. No attorney representing any Buyer Entity, whether or not employed by any Buyer
Entity, has reported evidence of a material violation of Securities Laws, breach of fiduciary duty or similar violation by Buyer
or any of its officers, directors or employees to the board of directors of Buyer or Buyer Bank or any committee thereof or to
any director or officer of Buyer or Buyer Bank. To Buyer&rsquo;s Knowledge, there has been no instance of fraud by any Buyer Entity,
whether or not material, that occurred during any period covered by the Buyer Financial Statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
<U>Records</U>. The records, systems, controls, data and information of the Buyer Entities are recorded, stored, maintained and
operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under
the exclusive ownership and direct control of a Buyer Entity or accountants (including all means of access thereto and therefrom),
except where such non-exclusive ownership and non-direct control has not had or would not reasonably be expected to have, either
individually or in the aggregate, a Material Adverse Effect on Buyer and Buyer Bank, taken as a whole. Buyer and Buyer Bank (i)
have implemented and maintain disclosure controls and procedures (as defined in Rule 13a-15 or 15d-15, as applicable, of the Exchange
Act) and (ii) have disclosed, based on their most recent evaluation prior to the date of this Agreement, to their outside auditors
and the audit committee of their respective boards of directors (Y) any significant deficiencies and material weaknesses in the
design or operation of internal control over financial reporting (as defined in Rules 13a-15(f) and 15d-15(f) of the Exchange
Act) which could adversely affect their ability to record, process, summarize or report financial data and have disclosed to their
auditors any material weaknesses in internal control over financial reporting and (Z) any fraud, whether or not material, that
involves management or other employees who have a significant role in their internal control over financial reporting. To the
Knowledge of Buyer, there is no reason to believe that Buyer&rsquo;s outside auditors and its chief executive officer and chief
financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations
adopted pursuant to Section 404 of the Sarbanes-Oxley Act, without qualification, when next due, if required.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
<U>Auditor Independence</U>. The independent registered public accounting firm engaged to express its opinion with respect to
the Buyer Financial Statements included in the Buyer&rsquo;s SEC Reports is, and has been throughout the periods covered thereby,
&ldquo;independent&rdquo; within the meaning of Rule 2-01 of Regulation S-X. As of the date hereof, the outside auditor for Buyer
and Buyer Bank has not resigned or been dismissed as a result of or in connection with any disagreements with Buyer or Buyer Bank
on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_064"></A>5.8. Absence
of Undisclosed Liabilities.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Buyer Entity has incurred any Liability, except for Liabilities (a) incurred in the Ordinary Course since December 31, 2020, (b)
incurred in connection with this Agreement and the transactions contemplated hereby, or (c) that are accrued or reserved against
in the consolidated balance sheet of Buyer as of December 31, 2020 included in the Buyer Financial Statements at and for the period
ending December 31, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_065"></A>5.9. Absence
of Certain Changes or Events.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt">Since
December 31, 2020, there has not been a Material Adverse Effect on Buyer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_066"></A>5.10. Tax.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
All Buyer Entities have timely filed with the appropriate Taxing authorities all material Tax Returns in all jurisdictions in
which such Tax Returns are required to be filed, and such Tax Returns are correct and complete in all material respects. None
of the Buyer Entities is the beneficiary of any extension of time within which to file any Tax Return (other than any extensions
to file Tax Returns obtained in the Ordinary Course and automatically granted). All material Taxes of the Buyer Entities (whether
or not shown on any Tax Return) that are due have been fully and timely paid. There are no Liens for any material amount of Taxes
(other than a Lien for Taxes not yet due and payable or that are being contested in good faith by appropriate proceedings) on
any of the Assets of any of the Buyer Entities. No claim has been made in the last six years in writing by an authority in a jurisdiction
where any Buyer Entity does not file a Tax Return that such Buyer Entity may be subject to Taxes by that jurisdiction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
None of the Buyer Entities has received any written notice of assessment or proposed assessment in connection with any material
amount of Taxes, and there are no threatened in writing or pending disputes, claims, audits or examinations regarding any Taxes
of any Buyer Entity or the Assets of any Buyer Entity. None of the Buyer Entities has waived any statute of limitations in respect
of any Taxes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Each Buyer Entity has complied in all material respects with all applicable Laws relating to the withholding of Taxes and the
payment thereof to appropriate authorities, including Taxes required to have been withheld and paid in connection with amounts
paid or owing to any employee or independent contractor, and Taxes required to be withheld and paid pursuant to Sections 1441
and 1442 of the Internal Revenue Code or similar provisions under foreign Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
During the two-year period ending on the date hereof, none of the Buyer Entities was a distributing corporation or a controlled
corporation in a transaction intended to be governed by Section 355 of the Internal Revenue Code. During the five-year period
ending on the date hereof, none of the Buyer Entities was a United States real property holding corporation within the meaning
of Section 897(c)(2) of the Internal Revenue Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
None of the Buyer Entities have participated in any &ldquo;reportable transaction&rdquo; within the meaning of Treasury Regulation
Section 1.6011-4.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_067"></A>5.11. Compliance
with Laws.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each Buyer Entity has, and since December 31, 2017, has had, in effect all Permits necessary for it to lawfully own, lease, or
operate its material Assets and to carry on its business as now conducted (and have paid all fees and assessments due and payable
in connection therewith), except where neither the cost of failure to hold nor the cost of obtaining and holding such Permit has
had or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Buyer. There
has occurred no material </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">Default under any such Permit and to the Knowledge of Buyer no suspension or cancellation of any such
material Permit is threatened. None of the Buyer Entities:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
is in material Default under any of the provisions of its articles of incorporation or association or bylaws (or other governing
instruments);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(ii)
is in material Default under any Laws, Orders, or material Permits applicable to its business or employees conducting its business;
or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(iii)
subject to Section 10.15, has since December 31, 2017 received any written notification or communication from any agency or department
of federal, state, or local government or any Regulatory Authority or the staff thereof asserting that any Buyer Entity is not
in compliance in any material respect with any Laws, Orders, or Permits or engaging in an unsafe or unsound activity or troubled
condition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each of Buyer and Buyer Bank is in compliance in all material respects with all applicable Laws, regulatory capital requirements,
Orders, or conditions imposed in writing by a Regulatory Authority, to which they or their Assets may be subject.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_068"></A>5.12. Legal
Proceedings.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">There
is no Litigation instituted or pending, or, to the Knowledge of Buyer, threatened against any Buyer Entity, or against any current
or former director, officer or employee of a Buyer Entity in their capacities as such or Employee Benefit Plan of any Buyer Entity,
or against any Asset, interest, or right of any of them, nor are there any Orders outstanding against any Buyer Entity or the
Assets of any Buyer Entity, in each case, that has had or would reasonably be expected to have, either individually or in the
aggregate, a Material Adverse Effect on any Buyer Entity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_069"></A>5.13. Statements
True and Correct.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">None
of the information supplied or to be supplied by any Buyer Entity or any Affiliate thereof for inclusion (including by incorporation
by reference) in the Registration Statement to be filed by Buyer with the SEC (or the Proxy Statement/Prospectus to be mailed
to Seller&rsquo;s shareholders in connection with Seller&rsquo;s Shareholders&rsquo; Meeting, or any other documents to be filed
by any Buyer Entity with the SEC or any other Regulatory Authority in connection with the transactions contemplated hereby) will,
when supplied or when the Registration Statement becomes effective (or when incorporated by reference) (or, with respect to the
Proxy Statement/Prospectus, when first mailed to the shareholders of Seller; or, with respect to any other documents, at the respective
times such documents are filed), be false or misleading with respect to any material fact, or omit to state any material fact
necessary to make the statements therein not misleading. The portions of the Registration Statement and the Proxy Statement/Prospectus
relating to Buyer Entities and other portions within the reasonable control of Buyer Entities will comply as to form in all material
respects with the requirements of the Exchange Act and the rules and regulations thereunder at the time the Registration Statement
becomes effective and at the time the Proxy Statement/Prospectus is filed with the SEC and first mailed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_070"></A>5.14.
Tax and Regulatory Matters.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
Buyer Entity or, to the Knowledge of Buyer, any Affiliate thereof has taken or agreed to take any action, and Buyer does not have
any Knowledge of any agreement, plan or other circumstance, that is reasonably likely to (a) prevent the Merger from qualifying
as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Internal Revenue Code or (b) materially impede or
delay receipt of any of the Requisite Regulatory Approvals.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_071"></A>5.15. Brokers
and Finders.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except
for Keefe, Bruyette &amp; Woods, Inc., neither Buyer nor any of its officers, directors, employees, or Affiliates has employed
any broker or finder or incurred any Liability for any financial advisory fees, investment bankers&rsquo; fees, brokerage fees,
commissions, or finders&rsquo; fees in connection with this Agreement or the transactions contemplated hereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B><A NAME="i21655b_072"></A>ARTICLE
6</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>CONDUCT OF BUSINESS PENDING CONSUMMATION</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_073"></A>6.1. Affirmative
Covenants of Seller.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
From the date of this Agreement until the earlier of the Effective Time or the termination of this Agreement, unless the prior
written consent of Buyer shall have been obtained (which consent shall not be unreasonably withheld, delayed or conditioned),
and except as required by Law, otherwise expressly contemplated herein or as set forth in Section 6.1(a) of Seller&rsquo;s Disclosure
Memorandum, Seller shall, and shall cause each of the Seller Subsidiaries to, (i) operate its business only in the Ordinary Course,
and (ii) use its reasonable best efforts to: (x) preserve intact its business (including its organization, Assets, goodwill and
insurance coverage), (y) maintain its rights, authorizations, franchise, advantageous business relationships with customers, vendors,
strategic partners, suppliers, and others doing business with it, and (z) maintain the services of its officers and Key Employees.
Notwithstanding anything to the contrary set forth in this Section 6.1 or Section 6.2, from the date of this Agreement until the
earlier of the Effective Time or the termination of this Agreement, Seller will use its reasonable best efforts to provide Buyer
with prior written notice of any actions Seller or any Seller Subsidiary takes with respect to the Pandemic, including Pandemic
Measures, that differ from or are inconsistent with actions taken by Seller with respect to the Pandemic prior to the date of
this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Beginning on the date that is two weeks after the date hereof, and every two weeks thereafter, Seller shall provide, and shall
cause Seller Bank also to provide, to Buyer a report describing all of the following which has occurred in the prior two weeks:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
new, renewed, extended, modified, amended or terminated Contracts that provide for aggregate annual payments of $50,000 or more
(provided that, if a Contract has a term of 12 months or less, it must be included only if it provides for aggregate payments
of $75,000 or more); and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(ii)
new Loans or commitments (including a letter of credit) for Loans in excess of $200,000, any renewals or extensions of existing
Loans or commitments for any Loans in excess of $200,000, or any material amendments or modifications to Loans in excess of $200,000.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Beginning with the month of November 2021, Seller shall provide, and shall cause Seller Bank also to provide, to Buyer a monthly
report and reasonable attestation, in the form set forth in Section 6.1(c) of the Buyer&rsquo;s Disclosure Memorandum, concerning
Seller&rsquo;s and Seller Bank&rsquo;s asset quality. Such report and reasonable attestation shall reflect information as of the
end of the relevant month and shall be provided to Buyer no later than the tenth day after such month end (for example, the November
2021 report and reasonable attestation shall reflect information as of November 30, 2021, and shall be provided to Buyer no later
than December 10, 2021), unless the tenth day is not a Business Day, in which case such report and reasonable attestation will
be provided on the next Business Day.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_074"></A>6.2. Negative
Covenants of Seller.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">From
the date of this Agreement until the earlier of the Effective Time or the termination of this Agreement, unless the prior written
consent of Buyer shall have been obtained (which consent shall not be </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">unreasonably withheld, delayed or conditioned), and except
as otherwise expressly contemplated herein or as set forth in Section 6.2 of Seller&rsquo;s Disclosure Memorandum, Seller covenants
and agrees that it will not do or agree or commit to do, or cause or permit any Seller Subsidiary to do or agree or commit to
do, any of the following:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
amend the certificate of formation, articles of incorporation, bylaws or other governing instruments of any Seller Entity;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
incur, assume, guarantee, endorse or otherwise as an accommodation become responsible for any additional debt obligation or other
obligation for borrowed money (other than indebtedness of Seller to Seller Bank or of Seller Bank to Seller, or the creation of
deposit liabilities, purchases of federal funds, borrowings from any Federal Home Loan Bank or Federal Reserve, security repurchase
arrangements or other short term liquidity funding of Seller Bank, or sales of certificates of deposits, in each case incurred
in the Ordinary Course);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
(i) repurchase, redeem, or otherwise acquire or exchange, directly or indirectly, any shares, or any securities convertible into
or exchangeable or exercisable for any shares, of the capital stock of any Seller Entity other than in connection with Seller
Benefit Plans, or (ii) make, declare, pay or set aside for payment any dividend or set any record date for or declare or make
any other distribution in respect of Seller&rsquo;s capital stock or other equity interests (except for regular quarterly cash
dividends by Seller (and consistent with Seller&rsquo;s past practice) at a rate not to exceed $0.12 per share of Seller Common
Stock; provided, however, that Seller shall not make, declare, or pay any such dividend if, as of the date of its action, Seller
would be unable to satisfy the conditions outlined in Section 8.2(f));</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
issue, grant, sell, pledge, dispose of, encumber, authorize or propose the issuance of, enter into any Contract to issue, grant,
sell, pledge, dispose of, encumber, or authorize or propose the issuance of, or otherwise permit to become outstanding, any additional
shares of Seller Common Stock or any other capital stock of any Seller Entity, or any stock appreciation rights, or any option,
warrant, or other Equity Right (other than issuances of Seller Common Stock in connection with the exercise of vested Seller Stock
Options or Seller Warrants, or the vesting of Seller Restricted Stock Units, in each case that were outstanding as of the close
of business on November 16, 2021; provided that such issuances of Seller Common Stock in connection with the exercise of Seller
Stock Options and Seller Warrants occur prior to the Determination Date);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
directly or indirectly adjust, split, combine or reclassify any capital stock or other equity interest of any Seller Entity or
issue or authorize the issuance of any other securities in respect of or in substitution for shares of Seller Common Stock, or
sell, transfer, lease, mortgage, permit any Lien, or otherwise dispose of, discontinue or otherwise encumber (i) any shares of
capital stock or other equity interests of any Seller Entity (unless any such shares of capital stock or other equity interest
are sold or otherwise transferred to one of the Seller Entities) or (ii) any Asset other than pursuant to Contracts in force at
the date of the Agreement or sales of investment securities in the Ordinary Course;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
(i) purchase any securities or make any acquisition of or investment in (except in the Ordinary Course), either by purchase of
stock or other securities or equity interests, contributions to capital, Asset transfers, purchase of any Assets (including any
investments or commitments to invest in real estate or any real estate development project) or other business combination, or
by formation of any joint venture or other business organization or by contributions to capital (other than by way of foreclosures
or acquisitions of control in a fiduciary or similar capacity or in satisfaction of debts previously contracted in good faith,
in each case in the Ordinary Course), any Person other than Seller Bank, or otherwise acquire direct or indirect control over
any Person or (ii) enter into a plan of consolidation, merger, share exchange, share acquisition, reorganization, recapitalization
or complete or partial liquidation or dissolution (other than consolidations, mergers or reorganizations solely among wholly owned
Seller Subsidiaries), or a letter of intent, memorandum of understanding or agreement in principle with respect thereto;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(g)
(i) grant any increase in compensation or benefits to the employees or officers of any Seller Entity, except as required by Law,
(ii) pay any (x) severance or termination pay or (y) bonus, in either case other than pursuant to a Seller Benefit Plan in effect
on the date hereof and in the case of clause (x) subject to receipt of an effective release of claims from the employee, and in
the case of clause (y) to the extent required under the terms of the Seller Benefit Plan without the exercise of any upward discretion,
(iii) enter into, amend, or increase the benefits payable under any severance, change in control, retention, bonus guarantees,
collective bargaining agreement or similar agreement or arrangement with employees or officers of any Seller Entity, (iv) grant
any increase in fees or other increases in compensation or other benefits to directors of any Seller Entity, (v) waive any stock
repurchase rights, or grant, accelerate, amend (except to the extent necessary to comply with Section 2.3(e)) or change the period
of exercisability of any Equity Rights or restricted stock, or authorize cash payments in exchange for any Equity Rights, (vi)
fund any rabbi trust or similar arrangement, (vii) terminate the employment or services of any officer or any employee whose annual
base compensation is greater than $75,000, other than for cause, (viii) hire any officer, employee, independent contractor or
consultant (who is a natural person) whose annual base compensation is greater than $100,000, or (ix) implement or announce any
employee layoff that would reasonably be expected to implicate the WARN Act;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(h)
enter into, amend or renew any employment or Independent Contractor Contract between any Seller Entity and any Person requiring
payments thereunder in excess of $75,000 in any 12-month period that the Seller Entity does not have the unconditional right to
terminate without Liability (other than Liability for services already rendered), at any time on or after the Effective Time;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
except with respect to a Seller Benefit Plan that is intended to be tax-qualified in the opinion of counsel is necessary or advisable
to maintain the tax qualified status, (i) adopt or establish any plan, policy, program or arrangement that would be considered
a Seller Benefit Plan if such plan, policy, program or arrangement were in effect as of the date of this Agreement, or amend in
any material respect any existing Seller Benefit Plan, terminate or withdraw from, or amend, any Seller Benefit Plan, (ii) make
any distributions from such Seller Benefit Plans, except as required by the terms of such plans, or (iii) fund or in any other
way secure the payment of compensation or benefits under any Seller Benefit Plan;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(j)
except in each case as may be required to conform to changes in Tax Laws, regulatory accounting requirements or GAAP, as applicable,
make any change in any accounting principles, practices or methods or systems of internal accounting controls; or make or change
any material Tax election, Tax accounting method, taxable year or period; file any amended material Tax Return, stop maintaining
withholding certificates in respect of any person required to be maintained under the Internal Revenue Code or the Treasury Regulations,
agree to an extension or waiver of any statute of limitations with respect to the assessment or determination of Taxes; settle
or compromise any Tax liability of any Seller Entity; enter into any closing agreement with respect to any Tax; surrender any
right to claim a Tax refund; or claim any other Tax relief or Tax benefit under a COVID-19 Relief Law;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(k)
commence any Litigation other than in the Ordinary Course, or settle, waive or release or agree or consent to the issuance of
any Order in connection with any Litigation (i) involving any Liability of any Seller Entity for money damages in excess of $50,000
in the aggregate or that would impose any restriction on the operations, business or Assets of any Seller Entity or the Surviving
Corporation or (ii) arising out of or relating to the transactions contemplated hereby;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(l)
(i) enter into, renew, extend, modify, amend or terminate any (A) Contract (1) with a term longer than one year or (2) that calls
for aggregate payments of $50,000 or more, (B) Seller Contract or any Contract which would be a Seller Contract if it were in
existence on the date hereof, (C) Contract referred to in Section 4.34 (or any other Contract with any broker or finder in connection
with the Merger or any other transaction contemplated by this Agreement), or (D) Contract, plan, arrangement or other transaction
of the type described in Section 4.35 or (ii) waive, release, compromise or assign any material rights or claims under any Contract
described in the foregoing clause (i);</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(m)
(i) enter into any new line of business or change in any material respect its lending, investment, risk and asset-liability management,
interest rate, fee pricing or other material banking or operating policies (including the offering of new products or any change
in the maximum ratio or similar limits as a percentage of its capital exposure applicable with respect to its loan portfolio or
any segment thereof) or (ii) change its policies and practices with respect to underwriting, pricing, originating, acquiring,
selling, servicing or buying or selling rights to service Loans except as required by rules or policies imposed by a Regulatory
Authority;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(n)
make, or commit to make, any capital expenditures in excess of $50,000 individually or $100,000 in the aggregate;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(o)
except as required by applicable Regulatory Authorities, make any material changes in its policies and practices with respect
to insurance policies including materially reduce the amount of insurance coverage currently in place or fail to renew or replace
any existing insurance policies;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(p)
materially change or restructure its investment securities portfolios, its investment securities practice or policies, its hedging
practices or policies, or change its policies with respect to the classification or reporting of such portfolios or invest in
any mortgage-backed or mortgage related securities which would be considered &ldquo;high-risk&rdquo; securities under applicable
regulatory pronouncements or change its interest rate exposure through purchases, sales or otherwise, or the manner in which its
investment securities portfolios are classified or reported;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(q)
alter materially its interest rate or fee pricing policies with respect to depository accounts of any Seller Subsidiary or waive
any material fees with respect thereto;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(r)
take any action, or knowingly fail to take any action, which action or failure to act prevents or impedes, or could reasonably
be expected to prevent or impede, the Merger from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a)
of the Internal Revenue Code;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(s)
make or acquire any Loan or issue a commitment (including a letter of credit) or renew or extend an existing commitment for any
Loan, or amend or modify in any material respect any Loan (including in any manner that would result in any additional extension
of credit, principal forgiveness, or effect any uncompensated release of collateral, <I>i.e.</I>, at a value below the fair market
value thereof as determined by Seller Bank), except (i) secured Loans or commitments for Loans with a principal balance less than
$1,500,000 in compliance with Seller Bank&rsquo;s underwriting policy and related Loan policies in effect as of the date of this
Agreement consistent with past practices, including pursuant to an exception to such underwriting policy and related Loan policies
that is reasonable in light of the underwriting of the borrower for such Loan or commitment (provided that this exception shall
not permit any Seller Entity to acquire such Loans), (ii) unsecured Loans or commitments for Loans with a principal balance equal
to or less than $250,000 in compliance with Seller Bank&rsquo;s underwriting policy and related Loan policies in effect as of
the date of this Agreement consistent with past practices, including pursuant to an exception to such underwriting policy and
related Loan policies that is reasonable in light of the underwriting of the borrower for such Loan or commitment (provided that
this exception shall not permit any Seller Entity to acquire such Loans), and (iii) amendments or modifications of any existing
Loan in full compliance with Seller Bank&rsquo;s underwriting policy and related Loan policies in effect as of the date of this
Agreement consistent with past practices without utilization of any of the exceptions provided in such underwriting policy and
related loan policies (provided that such Loan is not a Criticized Loan) (for purposes of requesting consent under this Section
6.2(s), Seller and Buyer shall follow the procedures set forth in Section 6.2(s) of Buyer&rsquo;s Disclosure Memorandum);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(t)
other than in the Ordinary Course, repurchase, or provide indemnification relating to, Loans in the aggregate in excess of $100,000;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(u)
cancel, compromise, waive, or release any material indebtedness owed to any Person or any rights or claims held by any Person,
except for (i) sales of Loans and sales of investment securities, in each case in the Ordinary Course or (ii) as expressly required
by the terms of any Contracts in force at the date of the Agreement;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(v)
permit the commencement of any construction of new structures or facilities upon, or purchase or lease any real property in respect
of any branch or other facility, or make any application to open, relocate or close any branch or other facility;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(w)
enter into any securitizations of any Loans or create any special purpose funding or variable interest entity other than on behalf
of clients;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(x)
foreclose upon or take a deed or title to any commercial real estate (excluding real estate used solely for agricultural production)
without first conducting a Phase I environmental assessment (except where such an assessment has been conducted in the preceding
12 months) of the property or foreclose upon any commercial real estate if such environmental assessment indicates the presence
of Hazardous Material;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(y)
notwithstanding any other provision hereof, take any action that is intended or which could reasonably be expected to (i) impede,
adversely affect or delay consummation of the transactions contemplated by this Agreement or the receipt of any approvals of any
Regulatory Authority or third party referenced in Section 7.4(a), (ii) result in any of the conditions set forth in ARTICLE 8
not being satisfied, or (iii) impair its ability to perform its obligations under this Agreement or to consummate the transactions
contemplated hereby, except as required by applicable Law; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(z)
agree to take, make any commitment to take, or adopt any resolutions of Seller&rsquo;s board of directors in support of, any of
the actions prohibited by this Section 6.2.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_075"></A>6.3. Covenants
of Buyer.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">From
the date of this Agreement until the earlier of the Effective Time or the termination of this Agreement, unless the prior written
consent of Seller shall have been obtained (which consent shall not be unreasonably withheld, delayed, or conditioned), and except
as expressly contemplated herein or as set forth in Section 6.3 of Buyer&rsquo;s Disclosure Memorandum, Buyer covenants and agrees
that it will not do or agree or commit to do, or permit any of its Subsidiaries to do or agree or commit to do, any of the following:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
amend the articles of incorporation, bylaws or other governing instruments of Buyer or any Significant Subsidiaries (as defined
in Regulation S-X promulgated by the SEC) in a manner that would affect Seller or the holders of Seller Common Stock adversely
relative to other holders of Buyer Common Stock;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
take any action, or knowingly fail to take any action, which action or failure to act prevents or impedes, or could reasonably
be expected to prevent or impede, the Merger from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a)
of the Internal Revenue Code;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
take any action that is intended or which could reasonably be expected to (i) impede, adversely affect or materially delay consummation
of the transactions contemplated by this Agreement or the receipt of any approvals of any Regulatory Authority or third party
referenced in Section 7.4(a), (ii) result in any of the conditions set forth in ARTICLE 8 not being satisfied, or (iii) impair
its ability to perform its obligations under this Agreement or to consummate the transactions contemplated hereby, except as required
by applicable Law; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
agree to take, make any commitment to take, or adopt any resolutions of Buyer&rsquo;s board of directors in support of, any of
the actions prohibited by this Section 6.3.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_076"></A>6.4. Reports.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each
Party and its Subsidiaries shall file all reports, including Call Reports, required to be filed by it with Regulatory Authorities
between the date of this Agreement and the Effective Time and shall deliver to the other Party copies of all such reports promptly
after the same are filed. If financial statements are contained in any such reports filed with the SEC and with respect to the
financial statements in the Call Reports, such financial statements will fairly present the consolidated financial position of
the entity filing such statements as of the dates indicated and the consolidated results of operations, changes in shareholders&rsquo;
equity, and cash flows for the periods then ended in accordance with GAAP (subject in the case of interim financial statements
to normal recurring year-end adjustments that are not material) or applicable regulatory accounting principles (with respect to
the financial statements contained in the Call Reports) consistently applied, except as may be otherwise indicated in the notes
thereto and except for the omission of footnotes. Notwithstanding the above, neither Party shall be obligated to disclose to the
other Party any reports to the extent such reports contain confidential supervisory information or other information the disclosure
of which would be prohibited by applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A NAME="i21655b_077"></A><B>ARTICLE
7</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>ADDITIONAL AGREEMENTS</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_078"></A>7.1. Registration
Statement; Proxy Statement/Prospectus; Shareholder Approval.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Buyer and Seller shall promptly prepare and file with the SEC a proxy statement/prospectus in definitive form (including any amendments
thereto, the &ldquo;<U>Proxy Statement/Prospectus</U>&rdquo;) and Buyer shall prepare and file with the SEC the Registration Statement
(including the Proxy Statement/Prospectus constituting a part thereof and all related documents) as promptly as reasonably practicable
after the date of this Agreement, subject to full cooperation of both Parties and their respective advisors and accountants. Buyer
and Seller agree to cooperate, and to cause their respective Subsidiaries to cooperate, with the other Party and its counsel and
its accountants in the preparation of the Registration Statement and the Proxy Statement/Prospectus. Each of Buyer and Seller
agrees to use its reasonable best efforts to cause the Registration Statement to be declared effective under the Securities Act
as promptly as reasonably practicable after filing thereof, and Seller shall thereafter mail or deliver the Proxy Statement/Prospectus
to its shareholders promptly following the date of effectiveness of the Registration Statement. Buyer also agrees to use its reasonable
best efforts to obtain all necessary state securities law or &ldquo;Blue Sky&rdquo; permits and approvals required to carry out
the transactions contemplated by this Agreement, and Seller shall furnish all information concerning Seller and the holders of
Seller Common Stock as may be reasonably requested in connection with any such action.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Seller shall duly call, give notice of, establish a record date for, convene and hold a shareholders&rsquo; meeting (&ldquo;<U>Seller&rsquo;s
Shareholders&rsquo; Meeting</U>&rdquo;), to be held as promptly as reasonably practicable after the Registration Statement is
declared effective by the SEC, for the purpose of obtaining the Seller Shareholder Approval and, if so desired and mutually agreed,
such other matters of the type customarily brought before an annual or special meeting of shareholders. Seller agrees that its
obligations pursuant to this Section 7.1(b) shall not be affected by the commencement, proposal, disclosure, or communication
to Seller of any Acquisition Proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Seller shall, subject to Section 7.2(c), (i) through its board of directors unanimously recommend to its shareholders the approval
of this Agreement and the transactions contemplated hereby (the &ldquo;<U>Seller Recommendation</U>&rdquo;), (ii) include such
Seller Recommendation in the Proxy Statement/Prospectus and (iii) use its reasonable best efforts to obtain the Seller Shareholder
Approval. If requested by Buyer, Seller shall retain a proxy solicitor reasonably acceptable to, and on terms reasonably acceptable
to, Buyer in connection with obtaining the Seller Shareholder Approval. Subject to Section 7.2(c), neither the board of directors
of Seller nor any committee thereof shall (A) withhold, withdraw, qualify or modify in a manner adverse to Buyer the Seller Recommendation,
(B) fail to make the Seller Recommendation or otherwise submit this Agreement</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> to Seller&rsquo;s shareholders without recommendation,
(C) adopt, approve, agree to, accept, recommend or endorse an Acquisition Proposal, (D) fail to publicly and without qualification
(1) recommend against any Acquisition Proposal or (2) reaffirm the Seller Recommendation within ten Business Days (or such fewer
number of days as remains prior to Seller&rsquo;s Shareholders&rsquo; Meeting) after an Acquisition Proposal is made public or
any request by Buyer to do so, (E) subject to Section 7.2(f), take any action, or make any public statement, filing or release
inconsistent with the Seller Recommendation, or (F) publicly propose to do any of the foregoing (any of the foregoing being a
&ldquo;<U>Change in the Seller Recommendation</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
Seller shall adjourn or postpone Seller&rsquo;s Shareholders&rsquo; Meeting, if, as of the time for which such meeting is originally
scheduled, there are insufficient shares of Seller Common Stock represented (either in person or by proxy) to constitute a quorum
necessary to conduct the business of such meeting. Seller shall also adjourn or postpone Seller&rsquo;s Shareholders&rsquo; Meeting
if, as of the time for which Seller&rsquo;s Shareholders&rsquo; Meeting is scheduled, Seller has not received proxies representing
a sufficient number of shares necessary to obtain the Seller Shareholder Approval. Notwithstanding anything to the contrary herein,
unless this Agreement has been terminated in accordance with Section 9.1, Seller&rsquo;s Shareholders&rsquo; Meeting shall be
convened and this Agreement shall be submitted to the shareholders of Seller at Seller&rsquo;s Shareholders&rsquo; Meeting, for
the purpose of voting on the approval of this Agreement and the other matters contemplated hereby, and nothing contained herein
shall be deemed to relieve Seller of such obligation. Seller shall only be required to adjourn or postpone Seller&rsquo;s Shareholders&rsquo;
Meeting two times pursuant to the first two sentences of this Section 7.1(d).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_079"></A>7.2.
Acquisition Proposals.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
No Seller Entity shall, and it shall cause its Representatives not to, directly or indirectly, (i) solicit, initiate, encourage
(including by providing information or assistance), facilitate or induce any Acquisition Proposal, (ii) engage or participate
in any discussions or negotiations regarding, or furnish or cause to be furnished to any Person any confidential or nonpublic
information or data with respect to, or take any other action to facilitate any inquiries or the making of any offer or proposal
that constitutes, or may reasonably be expected to lead to, an Acquisition Proposal (iii) adopt, approve, agree to, accept, endorse
or recommend any Acquisition Proposal, (iv) approve, agree to, accept, endorse or recommend, or propose to approve, agree to,
accept, endorse or recommend any Acquisition Agreement contemplating or otherwise relating to any Acquisition Transaction, or
(v) except as otherwise expressly provided in this Section 7.2, otherwise cooperate in any way with, or assist or participate
in, or facilitate or encourage any effort or attempt by any Person to do or seek to do any of the foregoing. Without limiting
the foregoing, it is agreed that any violation of the restrictions set forth in this Section 7.2 by any Subsidiary or Representative
of Seller shall constitute a breach of this Section 7.2 by Seller. In addition to the foregoing, unless this Agreement has been
terminated in accordance with Section 9.1, Seller shall not submit to the vote of its shareholders any Acquisition Proposal other
than the Merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Promptly (but in no event more than 48 hours) following receipt of any Acquisition Proposal or any request for nonpublic information
or any inquiry that could reasonably be expected to lead to any Acquisition Proposal, Seller shall advise Buyer in writing of
the receipt of such Acquisition Proposal, request or inquiry, and the terms and conditions of such Acquisition Proposal, request
or inquiry (including, in each case, the identity of the Person making any such Acquisition Proposal, request or inquiry), and
Seller shall as promptly as practicable provide to Buyer (i) a copy of such Acquisition Proposal, request or inquiry, if in writing,
or (ii) a written summary of the material terms of such Acquisition Proposal, request or inquiry, if oral. Seller shall provide
Buyer as promptly as practicable (but in no event more than 48 hours) with notice setting forth all such information as is necessary
to keep Buyer informed on a reasonably current basis of all developments, discussions, negotiations and communications regarding
(including amendments or proposed amendments to) such Acquisition Proposal, request or inquiry.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Notwithstanding anything herein to the contrary, at any time prior to Seller&rsquo;s Shareholders&rsquo; Meeting, the board of
directors of Seller may submit this Agreement to Seller&rsquo;s shareholders without recommendation (although the resolution approving
this Agreement as of the date hereof may not be rescinded or amended), if (i) Seller has received a Superior Proposal (after giving
effect to the terms of any revised offer by Buyer pursuant to this Section 7.2(c)), and (ii) the board of directors of Seller
has determined in good faith, after consultation with its financial advisors and outside legal counsel, that it would be inconsistent
with the directors&rsquo; fiduciary duties under applicable Law to make or continue to make the Seller Recommendation; provided,
that the board of directors of Seller may not take the actions set forth in this Section 7.2(c) unless:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
Seller has complied in all material respects with this Section 7.2;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(ii)
Seller has provided Buyer at least five Business Days prior written notice of its intention to take such action and the information
set forth under Section 7.2(b));</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(iii)
during such five Business Day period, Seller has considered and negotiated, and has caused its financial advisors and outside
legal counsel to consider and negotiate, with Buyer in good faith (to the extent Buyer desires to so negotiate) regarding any
proposals, adjustments or modifications to the terms and conditions of this Agreement proposed by Buyer; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(iv)
the board of directors of Seller has determined in good faith, after consultation with its financial advisors and outside legal
counsel and considering the results of such negotiations and giving effect to any proposals, amendments or modifications proposed
by Buyer prior to the close of business on the fifth Business Day of such five Business Day period, if any, that such Superior
Proposal remains a Superior Proposal and that it would nevertheless be inconsistent with the directors&rsquo; fiduciary duties
under applicable Law to make or continue to make the Seller Recommendation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">Any material
amendment to any Acquisition Proposal will be deemed to be a new Acquisition Proposal for purposes of this Section 7.2(c) and
will require a new determination and notice period as referred to in this Section 7.2(c).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
Seller and Seller Subsidiaries shall, and Seller shall direct its Representatives to, (i) immediately cease and cause to be terminated
any and all existing activities, discussions or negotiations with any Persons conducted heretofore with respect to any offer or
proposal that constitutes, or may reasonably be expected to lead to, an Acquisition Proposal, (ii) request the prompt return or
destruction of all confidential information previously furnished to any Person (other than Buyer, Buyer Bank and their Representatives)
that has made or indicated an intention to make an Acquisition Proposal, and (iii) except to the extent the board of directors
of Seller determines in good faith, after consultation with its outside legal counsel, that it would be inconsistent with the
directors&rsquo; fiduciary duties under applicable Law, not waive or amend any &ldquo;standstill&rdquo; provision or provisions
of similar effect to which it is a party or of which it is a beneficiary and shall strictly enforce any such provisions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
Nothing contained in this Agreement shall prevent Seller or its board of directors from complying with Rule 14d-9 and Rule 14e-2
under the Exchange Act or Item 1012(a) of Regulation M-A with respect to an Acquisition Proposal or from making any legally required
disclosure to the shareholders of Seller; provided, that such rules will in no way eliminate or modify the effect that any action
pursuant to such rules would otherwise have under this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
Notwithstanding anything to the contrary in Section 7.2(a), if Seller or any of its Representatives receives an unsolicited, bona
fide written Acquisition Proposal by any Person at any time prior to the Seller Shareholder Approval that did not result from
or arise in connection with a breach of Section 7.2(a), Seller and its Representatives may, prior to (but not after) the Seller&rsquo;s
Shareholders&rsquo; Meeting, take the following actions if the board of directors of Seller (or any committee thereof) has (i)
determined, in its good faith judgment</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="font-size: 10pt"> (after consultation with Seller&rsquo;s financial advisors and outside legal counsel),
that such Acquisition Proposal constitutes or would reasonably be expected to lead to a Superior Proposal and that the failure
to take such actions would be inconsistent with its fiduciary duties under applicable Law, and (ii) obtained from such Person
an executed confidentiality agreement containing terms at least as restrictive with respect to such Person as the terms of the
Confidentiality Agreement are in each provision with respect to Buyer (and such confidentiality agreement shall not provide such
Person with any exclusive right to negotiate with Seller): (A) furnish information to (but only if Seller shall have provided
such information to Buyer prior to furnishing it to any such Person), and (B) enter into discussions and negotiations with, such
Person and its Representatives with respect to such unsolicited, bona fide written Acquisition Proposal.</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_080"></A>7.3.
Exchange Listing.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Buyer
shall use its reasonable best efforts to list, prior to the Effective Time, on Nasdaq, subject to official notice of issuance,
the shares of Buyer Common Stock to be issued to the holders of Seller Common Stock pursuant to this Agreement, and Buyer shall
give all notices and make all filings with Nasdaq required in connection with the transactions contemplated herein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_081"></A>7.4. Consents
of Regulatory Authorities.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
The Parties and their respective Subsidiaries shall cooperate with each other and use their respective reasonable best efforts
to prepare all documentation, to effect all applications, notices, petitions, and filings and to obtain all Permits and Consents
of all third parties and Regulatory Authorities that are necessary or advisable to consummate the transactions contemplated by
this Agreement (including the Merger), and to comply with the terms and conditions of all such Permits and Consents. Each of the
Parties shall use its respective reasonable best efforts to resolve objections, if any, which may be asserted with respect to
this Agreement or the transactions contemplated hereby by any Regulatory Authority or under any applicable Law or Order. Notwithstanding
the foregoing, in no event shall any Buyer Entities be required, and the Seller Entities shall not be permitted (without Buyer&rsquo;s
prior written consent in its sole discretion), to take any action, or commit to take any action, or to accept any restriction
or condition, involving the Buyer Entities or the Seller Entities, which is materially burdensome on Buyer&rsquo;s or Buyer Bank&rsquo;s
business or on the business of Seller or Seller Bank, in each case following the Closing, or which would likely reduce the economic
benefits of the transactions contemplated by this Agreement to Buyer to such a degree that Buyer would not have entered into this
Agreement had such condition or restriction been known to it at the date hereof (any such condition or restriction, a &ldquo;<U>Burdensome
Condition</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each of the Parties shall have the right to review in advance, and to the extent practicable each will consult with the other,
in each case subject to applicable Laws relating to the exchange of information, with respect to, all material written information
submitted to any third party or Regulatory Authority in connection with the transactions contemplated by this Agreement; provided,
that Seller shall not have the right to review portions of material filed by Buyer or Buyer Bank with a Regulatory Authority that
contain competitively sensitive business or other proprietary information or confidential supervisory information, in which case,
to the extent reasonably practicable, the Parties will make appropriate substitute disclosure arrangements. In exercising the
foregoing rights, each of the Parties agrees to act reasonably and as promptly as practicable. Each Party agrees that it will
consult with the other Party with respect to the obtaining of all Permits and Consents of third parties and Regulatory Authorities
necessary or advisable to consummate the transactions contemplated by this Agreement and each Party will keep the other Party
apprised of the status of material matters relating to completion of the transactions contemplated hereby, including advising
the other Party upon receiving any communication from a Regulatory Authority the Consent of which is required for the consummation
of the Merger and the other transactions contemplated by this Agreement that causes such Party to believe that there is a reasonable
likelihood that any Requisite Regulatory Approval will not be obtained or that the receipt of such </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">Requisite Regulatory Approval
may be materially delayed. Except for non-material communications relating to a regulatory application, approval process, status,
or similar matters, to the extent reasonably practicable, each Party shall consult with the other in advance of any meeting or
conference with any Regulatory Authority in connection with the transactions contemplated by this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Each Party agrees, upon request, subject to applicable Laws, to promptly furnish the other Party with all information concerning
itself, its Subsidiaries, directors, officers and shareholders and such other matters as may be reasonably necessary or advisable
in connection with the Registration Statement, Proxy/Prospectus or any other statement, filing, notice or application made by
or on behalf of Buyer, Seller or any of their respective Subsidiaries to any third party and/or Regulatory Authority in connection
with the transactions contemplated by this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_082"></A>7.5.
Access to Information; Confidentiality and Notification of Certain Matters.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each Party shall promptly advise the other Party of any fact, change, event, effect, condition, occurrence, development or circumstance
(i) that has had or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on
the disclosing Party or (ii) which the disclosing Party believes would or would be reasonably likely to cause or constitute a
material breach of any of its representations, warranties, covenants or agreements contained herein or that reasonably could be
expected to give rise, individually or in the aggregate, to the failure of a condition in ARTICLE 8; provided, that any failure
to give notice in accordance with the foregoing with respect to any breach shall not be deemed to constitute a violation of this
Section 7.5(a) or the failure of any condition set forth in Section 8.1, 8.2, or 8.3 to be satisfied, or otherwise constitute
a breach of this Agreement by the disclosing Party, in each case unless the underlying breach would independently result in a
failure of the conditions set forth in Section 8.1, 8.2, or 8.3 to be satisfied; and provided, further, that the delivery of any
notice pursuant to this Section 7.5(a) shall not cure any breach of, or noncompliance with, any other provision of this Agreement
or limit the remedies available to the other Party.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Prior to the Effective Time, Seller shall permit the Representatives of Buyer to make or cause to be made such investigation of
the business, Assets, Liabilities, information technology systems, Contracts, Books and Records, and personnel and such other
information of it and its Subsidiaries and of their respective financial and legal conditions as Buyer reasonably requests and
furnish to Buyer promptly all other information concerning its business, Assets, Liabilities, information technology systems,
Contracts, Books and Records, and personnel and such other information as Buyer may reasonably request. No investigation by Buyer
shall affect or be deemed to modify or waive the representations, warranties, covenants and agreements of Seller in this Agreement,
or the conditions of such Party&rsquo;s obligation to consummate the transactions contemplated by this Agreement. Neither Buyer
nor Seller nor any of their respective Subsidiaries shall be required to provide access to or to disclose information where such
access or disclosure would violate or prejudice the rights of Buyer&rsquo;s or Seller&rsquo;s, as the case may be, customers,
jeopardize the attorney-client privilege of the institution in possession or control of such information (after giving due consideration
to the existence of any common interest, joint defense or similar agreement between the Parties) or contravene any Law, fiduciary
duty or binding Contract entered into prior to the date of this Agreement or to the extent that Seller may impose any reasonable
restrictions with respect to in-person access in light of the Pandemic or the Pandemic Measures, including the health and safety
of its employees. The Parties will make appropriate substitute disclosure arrangements under circumstances in which the restrictions
of the preceding sentence apply. Without limiting the foregoing, and for the avoidance of doubt, subject to applicable Law, Seller
shall permit the Representatives of Buyer and Buyer Bank to observe meetings of committees or similar groups established to review
and approve potential Loans or similar matters.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Each Party shall, and shall cause its Subsidiaries and Representatives to, hold and use any information obtained in connection
with this Agreement and in pursuit of the transactions contemplated hereby in accordance with the terms of the Confidentiality
and Nondisclosure Agreement, dated July 12, 2021, between Buyer and Seller (the &ldquo;<U>Confidentiality Agreement</U>&rdquo;).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
Prior to the Effective Time, Seller shall promptly notify Buyer of any material change in the ordinary course of its or its Subsidiaries&rsquo;
business or in the operation of its or its Subsidiaries&rsquo; properties and, to the extent permitted by applicable Law, of any
material Litigation (or communications indicating that the same may be contemplated), or the institution or the threat of a material
Litigation involving Seller or any other Seller Entity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_083"></A>7.6.
Press Releases.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Parties shall consult with each other before issuing any press release or other public disclosure or communication (including
communications to employees, agents and contractors) related to this Agreement or the transactions contemplated hereby and shall
not issue such press release or other public disclosure without the prior written consent of the other Party (which consent shall
not be unreasonably withheld, delayed or conditioned); provided, that nothing in this Section 7.6 shall be deemed to prohibit
any Party from making any press release or other public disclosure as may upon the advice of the Party&rsquo;s outside counsel
be required by Law or the rules or regulations of any United States or non-United States securities exchange, in which case the
Party required to make the release or disclosure shall use its reasonable best efforts to allow the other Party reasonable time
to comment on such release or disclosure in advance of the issuance thereof. The Parties have agreed upon the form of a joint
press release announcing the execution of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_084"></A>7.7. Tax
Treatment.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Each of the Parties intends, and undertakes and agrees to use its respective reasonable best efforts to cause, the Merger, and
to take no action which would cause the Merger not, to qualify as a &ldquo;reorganization&rdquo; within the meaning of Section
368(a) of the Internal Revenue Code for federal income Tax purposes, and none of the Parties shall take any action that would
cause the Merger to not so qualify. The Parties shall cooperate and use their reasonable best efforts in order to obtain the Tax
Opinion. The Parties adopt this Agreement as a &ldquo;plan of reorganization&rdquo; within the meaning of Section 368(a) and Treasury
Regulations Sections 1.368-2(g) and 1.368-3(a) for purposes of Sections 354, 356, and 361 of the Internal Revenue Code (and any
comparable provision of state or local Law) for federal income tax purposes (and applicable state and local income tax purposes).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each of the Parties shall use its respective reasonable best efforts to cause their appropriate officers to execute and deliver
to Covington certificates containing appropriate representations and covenants, reasonably satisfactory in form and substance
to Covington, at such time or times as may be reasonably requested by Covington, including as of the effective date of the Proxy
Statement/Prospectus and the Closing Date, in connection with such counsel&rsquo;s deliveries of opinions with respect to the
Tax treatment of the Merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Unless otherwise required pursuant to a &ldquo;determination&rdquo; within the meaning of Section 1313(a) of the Internal Revenue
Code, each Party shall report the Merger as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Internal
Revenue Code (and any comparable provision of applicable Law) and shall not take any inconsistent position therewith in any Tax
Return.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
Prior to Closing, Seller shall (i) deliver to Buyer and mail to the IRS in accordance with Treasury Regulation Section 1.897-2(h)
(1) a statement, in form and substance satisfactory to Buyer, certifying that every Seller Entity is not, and has not been during
the applicable period specified in Section 897(c)(1)(A)(ii) of the Internal Revenue Code, a &ldquo;United States real property
holding company&rdquo; within the meaning of Section 897(c)(2) of the Internal Revenue Code, which statement shall satisfy the
requirements of Treasury Regulations Sections 1.897-2(h) and 1.1445-2(c)(3), together with (2) a notice prepared and executed
in accordance with Treasury Regulations Section 1.897-2(h) to the IRS; and (ii) together therewith, furnish to Buyer proof of
mailing the items described in subclause (i).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_085"></A>7.8.
Employee Benefits and Contracts.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
For a period of one year following the Effective Time, except as contemplated by this Agreement, any Buyer Entity shall provide
generally to employees who are actively employed by a Seller Entity on the Closing Date (&ldquo;<U>Covered Employees</U>&rdquo;)
while employed by such Buyer Entity following the Closing Date employee benefits under Buyer Benefit Plans, on terms and conditions
which are, in the aggregate, substantially comparable to those provided by Buyer Entities to their similarly situated employees;
provided, that in no event shall any Covered Employee be eligible to participate in any closed or frozen plan of any Buyer Entity.
Until such time as Buyer shall cause the Covered Employees to participate in the applicable Buyer Benefit Plans, the continued
participation of the Covered Employees in the Seller Benefit Plans shall be deemed to satisfy the foregoing provisions of this
clause (it being understood that participation in Buyer Benefit Plans may commence at different times with respect to each of
Buyer Benefit Plans). For purposes of determining eligibility to participate and vesting under Buyer Benefit Plans, and for purposes
of determining a Covered Employee&rsquo;s entitlement to paid time off under the applicable Buyer Entity&rsquo;s paid time off
program, the service of the Covered Employees with a Seller Entity prior to the Effective Time shall be treated as service with
a Buyer Entity participating in such Buyer Benefit Plans, to the same extent that such service was formally recognized by the
Seller Entities for purposes of a similar benefit plan; provided, that such recognition of service shall not (i) operate to duplicate
any benefits of a Covered Employee with respect to the same period of service or (ii) apply for purposes of any plan, program
or arrangement (x) under which similarly-situated employees of Buyer Entities do not receive credit for prior service, (y) that
is grandfathered or frozen, either with respect to level of benefits or participation, or (z) for purposes of retiree medical
benefits or level of benefits under a defined benefit pension plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Prior to the Closing Date, the Seller Entities shall take all necessary action (including without limitation the adoption of resolutions
and plan amendments and the delivery of any required notices) to terminate, effective as of no later than the day before the Closing
Date, any Seller Benefit Plan that is intended to constitute a tax-qualified defined contribution plan under Internal Revenue
Code Section 401(k) (a &ldquo;<U>401(k) Plan</U>&rdquo;). Seller shall provide Buyer with a copy of the resolutions, plan amendments,
notices and other documents prepared to effectuate the termination of the 401(k) Plans in advance and give Buyer a reasonable
opportunity to comment on such documents (which comments shall be considered in good faith), and prior to the Closing Date, Seller
shall provide Buyer with the final documentation evidencing that the 401(k) Plans have been terminated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Upon request by Buyer in writing prior to the Closing Date, the Seller Entities shall cooperate in good faith with Buyer prior
to the Closing Date to amend, freeze, terminate or modify any other Seller Benefit Plan to the extent and in the manner determined
by Buyer effective upon the Closing Date (or at such different time mutually agreed to by the Parties) and consistent with applicable
Law. Seller shall provide Buyer with a copy of the resolutions, plan amendments, notices and other documents prepared to effectuate
the actions contemplated by this Section 7.8(c), as applicable, and give Seller a reasonable opportunity to comment on such documents
(which comments shall be considered in good faith), and prior to the Closing Date, Seller shall provide Buyer with the final documentation
evidencing that the actions contemplated herein have been effectuated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
Without limiting the generality of Section 10.4, nothing in this Section 7.8, expressed or implied, is intended to confer upon
any Person (other than the Parties or their respective successors), including any current or former employee, officer, director
or consultant of Seller or any of its Subsidiaries or Affiliates, any rights, remedies, obligations, or liabilities under or by
reason of this Agreement. In no event shall the terms of this Agreement: (i) establish, amend, or modify any Seller Benefit Plan
or any &ldquo;employee benefit plan&rdquo; as defined in Section 3(3) of ERISA, or any other benefit plan, program, agreement
or arrangement maintained or sponsored by Buyer, Seller or any of their respective Affiliates; (ii) alter or limit the ability
of the Surviving Corporation, Buyer or any of their Subsidiaries or Affiliates to amend, modify or terminate any Seller Benefit
Plan, employment agreement or any other benefit or employment plan, program, agreement or arrangement after</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> the Closing Date;
or (iii) confer upon any current or former employee, officer, director or consultant of Seller or any of its Subsidiaries or Affiliates,
any right to employment or continued employment or continued service with Buyer or any Buyer Subsidiaries, the Surviving Corporation
or the Seller Entities, or constitute or create an employment agreement with any employee, or interfere with or restrict in any
way the rights of the Surviving Corporation, Seller, Buyer or any Subsidiary or Affiliate thereof to discharge or terminate the
services of any employee, officer, director or consultant of Seller or any of its Subsidiaries or Affiliates at any time for any
reason whatsoever, with or without cause.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
On the Closing Date, Seller shall provide Buyer with a list of employees who have suffered an &ldquo;employment loss&rdquo; (as
defined in the WARN Act) in the 90 days preceding the Closing Date or had a reduction in hours of a least 50% in the 180 days
preceding the Closing Date, each identified by date of employment loss or reduction in hours, employing entity and facility location.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_086"></A>7.9. Indemnification.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
For a period of six years after the Effective Time, the Surviving Corporation shall indemnify, defend and hold harmless the present
and former directors and officers of the Seller Entities (each, an &ldquo;<U>Indemnified Party</U>&rdquo;), against all Liabilities
incurred in connection with any actual or threatened Litigation arising out of or pertaining to, the fact that such person is
or was a director or officer of the Seller Entities or, at a Seller Entity&rsquo;s request, of another corporation, partnership,
joint venture, trust or other enterprise and pertaining to matters, acts or omissions existing or occurring at or prior to the
Effective Time (including matters, acts or omissions occurring in connection with the approval of this Agreement and the transactions
contemplated by this Agreement) (each a &ldquo;<U>Claim</U>&rdquo;), whether asserted or claimed prior to, at or after the Effective
Time, to the fullest extent permitted under such Seller Entity&rsquo;s certificate of formation and bylaws (or other applicable
governing documents) as in effect as of the date of this Agreement (or, in the case of Seller&rsquo;s bylaws, as in effect as
of the Closing Date) (and subject to applicable Law), including provisions relating to advances of expenses incurred in the defense
of any such Litigation; provided, that the Indemnified Party to whom expenses are advanced provides a written undertaking to repay
such advances if it is ultimately determined that such Indemnified Party is not entitled to indemnification.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
The Surviving Corporation shall use its reasonable best efforts (and Seller shall cooperate prior to the Effective Time in these
efforts) to maintain in effect for a period of six years after the Effective Time Seller&rsquo;s existing directors&rsquo; and
officers&rsquo; liability insurance policy (provided that the Surviving Corporation may substitute therefor (i) policies of at
least the same coverage and amounts containing terms and conditions which are substantially no less advantageous to the insured
or (ii) with the consent of Seller given prior to the Effective Time, any other policy) with respect to claims arising from facts
or events which occurred prior to the Effective Time; provided, that the Surviving Corporation shall not be obligated to make
aggregate premium payments for such six-year period in respect of such policy (or coverage replacing such policy) which exceed,
for the portion related to Seller&rsquo;s directors and officers, 200% of the annual premium payments currently paid on Seller&rsquo;s
current policy in effect as of the date of this Agreement (the &ldquo;<U>Maximum Amount</U>&rdquo;). If the amount of the premiums
necessary to maintain or procure such insurance coverage exceeds the Maximum Amount, the Surviving Corporation shall use its reasonable
best efforts to maintain the most advantageous policies of directors&rsquo; and officers&rsquo; liability insurance obtainable
for a premium equal to the Maximum Amount. In lieu of the foregoing, Buyer, or Seller in consultation with Buyer, may obtain on
or prior to the Effective Time, a six-year &ldquo;tail&rdquo; prepaid policy providing equivalent coverage to that described in
this Section 7.9(b) at a premium not to exceed the Maximum Amount. If the premium necessary to purchase such &ldquo;tail&rdquo;
prepaid policy exceeds the Maximum Amount, Buyer or Seller in consultation with Buyer may purchase the most advantageous &ldquo;tail&rdquo;
prepaid policy obtainable for a premium equal to the Maximum Amount, and in each case, Buyer and the Surviving Corporation shall
have no further obligations under this Section 7.9(b) other than to maintain such &ldquo;tail&rdquo; prepaid policy.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
Any Indemnified Party wishing to claim indemnification under Section 7.9(a), upon learning of any such Claim, shall promptly notify
the Surviving Corporation thereof; provided that the failure to so notify shall not relieve the Surviving Corporation of its obligations
hereunder except to the extent that it is materially prejudiced by such failure. In the event of any such Claim (whether arising
before or after the Effective Time): (i) Buyer or the Surviving Corporation shall have the right to assume the defense thereof
and Buyer and the Surviving Corporation shall not be liable to such Indemnified Parties for any legal expenses of other counsel
or any other expenses subsequently incurred by such Indemnified Parties in connection with the defense thereof, except that if
Buyer or the Surviving Corporation elects not to assume such defense or independent legal counsel for the Indemnified Parties
advises that there are substantive issues which raise conflicts of interest between Buyer or the Surviving Corporation and the
Indemnified Parties, the Indemnified Parties may retain counsel satisfactory to them, and Buyer or the Surviving Corporation shall
pay all reasonable fees and expenses of such counsel for the Indemnified Parties as required under, and in accordance with, Seller&rsquo;s
certificate of formation and bylaws as in effect as of the date of this Agreement (or, in the case of Seller&rsquo;s bylaws, as
in effect as of the Closing Date) (subject to applicable Law); provided, that Buyer or the Surviving Corporation shall be obligated
pursuant to this Section 7.9(c) to pay for only one firm of counsel for all Indemnified Parties; (ii) the Indemnified Parties
will cooperate in the defense of any such Claim; and (iii) Buyer and the Surviving Corporation shall not be liable for any settlement
effected without its prior written consent; and provided, further, that Buyer and the Surviving Corporation shall not have any
obligation hereunder to any Indemnified Party when and if a court of competent jurisdiction shall determine, and such determination
shall have become final, that the indemnification of such Indemnified Party in the manner contemplated hereby is prohibited by
applicable Law or not required by Seller&rsquo;s certificate of formation and bylaws as in effect as of the date of this Agreement
(or, in the case of Seller&rsquo;s bylaws, as in effect as of the Closing Date) (subject to applicable Law).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
If the Surviving Corporation or any successors or assigns shall consolidate with or merge into any other Person and shall not
be the continuing or surviving Person of such consolidation or merger or if the Surviving Corporation (or any successors or assigns)
shall transfer all or substantially all of its Assets to any Person, then and in each case, proper provision shall be made so
that the successors and assigns of the Surviving Corporation shall assume the obligations set forth in this Section 7.9.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
The provisions of this Section 7.9 are intended to be for the benefit of and shall be enforceable by each Indemnified Party and
their respective heirs and Representatives.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
Notwithstanding anything in this Section 7.9 to the contrary, no indemnification payments will be made to an Indemnified Party
with respect to an administrative proceeding or civil action initiated by any federal banking agency unless all of the following
conditions are met: (i) the Buyer&rsquo;s board of directors determines in writing that the Indemnified Party acted in good faith
and in the best interests of Seller or Seller Bank; (ii) the Buyer&rsquo;s board of directors determines that the payment will
not materially affect the Buyer&rsquo;s or Buyer Bank&rsquo;s safety and soundness; (iii) the payment does not fall within the
definition of a prohibited indemnification payment under 12 C.F.R. Part 359; and (iv) the Indemnified Party agrees in writing
to reimburse Buyer, to the extent not covered by permissible insurance, for payments made in the event that the administrative
or civil action instituted by a banking Regulatory Authority results in a final order or settlement in which the Indemnified Party
is assessed a civil money penalty, is prohibited from banking, or is required to cease an action or perform an affirmative action.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_087"></A>7.10.
Seller Operating Functions.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Seller
and Seller Bank shall cooperate with Buyer and Buyer Bank in connection with planning for the efficient and orderly combination
of the Parties and the operation of the Surviving Corporation and the Surviving Entity, and in preparing for the consolidation
of appropriate operating functions to be effective at the Effective Time or such later date as Buyer may decide. Each Party shall
cooperate with the other Party in preparing to execute after the Effective Time conversion or consolidation of systems and business
operations</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> generally (including by entering into customary confidentiality, non-disclosure and similar agreements with such service
providers or the other Party). Prior to Effective Time, each Party shall exercise, consistent with terms and conditions of this
Agreement, complete control and supervision over its and its Subsidiaries&rsquo; respective operations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_088"></A>7.11. Shareholder
Litigation.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each
of Seller and Buyer shall promptly notify each other in writing of any action, arbitration, audit, hearing, investigation, litigation,
suit, subpoena or summons issued, commenced, brought, conducted or heard by or before, or otherwise involving, any Regulatory
Authority or arbitrator pending or, to the Knowledge of Seller or Buyer, as applicable, threatened against Seller, Buyer or any
of their respective Subsidiaries or Representatives that (a) questions or would reasonably be expected to question the validity
of this Agreement or the other agreements contemplated hereby or thereby or any actions taken or to be taken by Seller, Buyer
or their respective Subsidiaries with respect hereto or thereto or (b) seeks to enjoin or otherwise restrain the transactions
contemplated hereby or thereby. Seller shall give Buyer prompt notice of any shareholder litigation against Seller or its directors
or officers relating to the transactions contemplated by this Agreement and shall give Buyer every opportunity to participate
in the defense or settlement of such litigation, provided that no such settlement shall be agreed to by any Seller Entity without
Buyer&rsquo;s prior written consent (such consent not to be unreasonably withheld, delayed or conditioned).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_089"></A>7.12. Legal
Conditions to Merger; Additional Agreements.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject
to Sections 7.1 and 7.4 of this Agreement, each of Seller and Buyer shall, and shall cause its Subsidiaries to, use their reasonable
best efforts (a) to take, or cause to be taken, all actions necessary, proper or advisable to comply promptly with all legal and
regulatory requirements that may be imposed on such Party or its Subsidiaries with respect to the Merger and Bank Merger and,
subject to the conditions set forth in ARTICLE 8 hereof, to consummate the transactions contemplated by this Agreement and (b)
to obtain (and to cooperate with the other Party to obtain) any Permit or Consent by, any Regulatory Authority and any other third
party that is required to be obtained by Seller or Buyer or any of their respective Subsidiaries in connection with, or to effect,
the Merger, the Bank Merger, and the other transactions contemplated by this Agreement. In case at any time after the Effective
Time any further action is necessary or desirable to carry out the purposes of this Agreement (including, any merger between a
Subsidiary of Buyer, on the one hand, and a Subsidiary of Seller, on the other hand) or to vest the Surviving Corporation and
the Surviving Entity with full title to all Assets, rights, Consents, Permits, immunities and franchises of any of the Parties
to the Merger and Bank Merger, the proper officers and directors of each Party and their respective Subsidiaries shall take all
such necessary action as may be reasonably requested by Buyer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_090"></A>7.13. Closing
Financial Statements.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At
least eight Business Days prior to the Effective Time, Seller shall provide Buyer with Seller&rsquo;s consolidated financial statements
presenting the financial condition of Seller and its Subsidiaries as of the close of business on the last day of the last month
ended prior to the Effective Time and Seller&rsquo;s consolidated results of operations, cash flows, and shareholders&rsquo; equity
for the period from January 1, 2021, through the close of business on the last day of the last month ended prior to the Effective
Time (the &ldquo;<U>Closing Financial Statements</U>&rdquo;); provided, that if the Effective Time occurs on or before the 15th
day of the month, Seller shall have provided consolidated financial statements as of and through the second month preceding the
Effective Time. Such Closing Financial Statements shall have been prepared in accordance with GAAP and regulatory accounting principles
and other applicable legal and accounting requirements, and reflect all period-end accruals and other adjustments, except that
such Closing Financial Statements may omit the footnote disclosure required by GAAP. Such Closing Financial Statements shall be
accompanied by, as of the date of such Closing Financial Statements, (a) accruals or estimates for all fees, costs and expenses
incurred or expected to be incurred (whether or not doing</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> so is in accordance with GAAP) in connection (directly or indirectly)
with the transactions contemplated by this Agreement, (b) the capital ratios set forth in Section 8.2(f), (c) the asset quality
metrics set forth in Section 8.2(d), and (d) a certificate of Seller&rsquo;s chief financial officer, dated as of the date of
such delivery of the Closing Financial Statements, to the effect that such financial statements meet the requirements of this
Section 7.13 and continue to reflect accurately, as of the date of such certificate, the consolidated financial condition, results
of operations, cash flows and shareholders&rsquo; equity of Seller in all material respects (which certification shall be reaffirmed
in the certificates required to be delivered pursuant to Section 8.2(c)).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_091"></A>7.14.
Dividends.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">After
the date of this Agreement, each of Buyer and Seller shall coordinate with the other regarding the declaration of any dividends
in respect of Buyer Common Stock and (to the extent permitted by this Agreement) Seller Common Stock and the record dates and
payment dates relating thereto, it being the intention of the Parties that, Holders of Seller Common Stock shall not receive two
or more dividends, or fail to receive one dividend, attributable to any particular quarter with respect to their shares of Seller
Common Stock and any shares of Buyer Common Stock any such Holder receives in exchange therefor in the Merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_092"></A>7.15. Change
of Method.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Buyer
may at any time prior to the Effective Time change the method or structure of effecting the combination of Seller and Buyer (including
by providing for the merger of Seller with a wholly owned Subsidiary of Buyer) if and to the extent requested by Buyer, and Seller
agrees to enter into such amendments to this Agreement as Buyer may reasonably request in order to give effect to such restructuring;
provided, that no such change or amendment shall (i) alter or change the amount or kind of the Merger Consideration provided for
in this Agreement, (ii) adversely affect the Tax treatment of the Merger with respect to Seller&rsquo;s shareholders, or (iii)
materially delay or impede the consummation of the transactions contemplated by this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_093"></A>7.16. Restructuring
Efforts.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If
Seller shall have failed to obtain the Seller Shareholder Approval at the duly convened Seller&rsquo;s Shareholders&rsquo; Meeting,
or any adjournment or postponement thereof, each of the Parties shall in good faith use its reasonable best efforts to negotiate
a restructuring of the transaction provided for herein (it being understood that no Party shall have any obligation to alter or
change any material terms, including the amount or kind of the Merger Consideration, in a manner adverse to such Party or its
shareholders or adversely affect the Tax treatment of the Merger with respect to Seller&rsquo;s shareholders) and/or resubmit
this Agreement or the transactions contemplated hereby (or as restructured pursuant to this Section 7.16) to Seller&rsquo;s shareholders
for approval; provided that the Parties shall have no obligations under this Section 7.16 if Seller has received a Superior Proposal
without breaching this Agreement.</FONT></P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_094"></A>7.17.
Takeover Statutes.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither
Buyer or Seller or their respective board of directors shall take any action that would cause any Takeover Statute to become applicable
to this Agreement, the Merger, or any of the other transactions contemplated hereby, and each shall take all necessary steps to
exempt (or ensure the continued exemption of) the Merger and the other transactions contemplated hereby from any applicable Takeover
Statute now or hereafter in effect. If any Takeover Statute may become, or may purport to be, applicable to the transactions contemplated
hereby, each of Buyer and Seller and the members of their respective board of directors will grant such approvals and take such
actions as are necessary so that the transactions contemplated by this Agreement may be consummated as promptly as practicable
on the terms contemplated hereby and otherwise act to eliminate or minimize the effects of any Takeover Statute on any of the
transactions contemplated by this Agreement, including, if necessary, challenging the validity or applicability of any such Takeover
Statute.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_095"></A>7.18. Exemption
from Liability under Section 16(b).</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Seller
and Buyer agree that, in order to most effectively compensate and retain those officers and directors of Seller subject to the
reporting requirements of Section 16(a) of the Exchange Act (the &ldquo;<U>Seller Insiders</U>&rdquo;), both prior to and after
the Effective Time, it is desirable that Seller Insiders not be subject to a risk of liability under Section 16(b) of the Exchange
Act to the fullest extent permitted by applicable Law in connection with the conversion of shares of Seller Common Stock in the
Merger, and for that compensatory and retentive purposes agree to the provisions of this Section 7.18. The boards of directors
of Buyer and of Seller, or a committee of non-employee directors thereof (as such term is defined for purposes of Rule 16b-3(d)
under the Exchange Act), shall promptly, and in any event prior to the Effective Time, take all such steps as may be necessary
or appropriate to cause (i) any dispositions of Seller Common Stock and (ii) any acquisitions of Buyer Common Stock pursuant to
the transactions contemplated by this Agreement and by any Seller Insiders who, immediately following the Merger, will be officers
or directors of the Surviving Corporation subject to the reporting requirements of Section 16(a) of the Exchange Act, to be exempt
from liability pursuant to Rule 16b-3 under the Exchange Act to the fullest extent permitted by applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_096"></A>7.19. Document
Archiving.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Seller
shall, prior to the Closing Date, (i) electronically archive and index copies of all documents associated with Loans or the underwriting,
servicing, administration, or monitoring thereof, to the extent requested by Buyer, (ii) archive in a central location all physical
documents associated with Loans or the underwriting, servicing, administration, or monitoring thereof, to the extent requested
by Buyer, and (iii) comply with any other reasonable requests by Buyer regarding documents associated with Loans, the underwriting,
servicing, administration, or monitoring thereof, or the storage of emails. If Buyer terminates this Agreement pursuant to Section
9.1(c) or Section 9.1(f), then Buyer shall promptly reimburse Seller and Seller Bank for any reasonable third-party costs incurred
by Seller or Seller Bank in connection with their performance of the document archiving obligations in this Section 7.19.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_097"></A>7.20. Subordinated
Notes.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For
the avoidance of doubt, upon the Effective Time, Buyer or one of its Subsidiaries shall assume the due and punctual performance
and observance of the covenants and conditions to be performed by Seller or its Subsidiaries under Seller&rsquo;s 6.00% Fixed-to-Floating
Rate Subordinated Notes due 2030 (the &ldquo;<U>Subordinated Notes</U>&rdquo;), and the due and punctual payments of the principal
of and any premium and interest on the Subordinated Notes according to their terms. If requested by Buyer, Seller will, or cause
its Subsidiaries to, reasonably cooperate with Buyer to facilitate the prompt redemption (to the extent possible) or assumption
of the Subordinated Notes at or following the Closing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B><A NAME="i21655b_098"></A>ARTICLE
8</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>CONDITIONS PRECEDENT TO OBLIGATIONS TO CONSUMMATE</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_099"></A>8.1. Conditions
to Obligations of Each Party.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
respective obligations of each Party to consummate the Merger and the other transactions contemplated hereby are subject to the
satisfaction at or prior to the Effective Time of the following conditions, unless waived by both Parties pursuant to Section
10.6:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Shareholder Approval</U>. The Seller Shareholder Approval shall have been obtained.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Regulatory Approvals</U>. (i) All required regulatory Permits or Consents from the Federal Reserve, the ASBD, the TDSML, the
FDIC, and any other Regulatory Authority and (ii) any other regulatory Permits or Consents contemplated by Section 7.4 the failure
of which to obtain has had or would reasonably </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">be expected to have, either individually or in the aggregate, a Material Adverse
Effect on Buyer and Seller (considered as a consolidated entity), in each case required to consummate the transactions contemplated
by this Agreement, including the Merger, shall have been obtained and shall remain in full force and effect and all statutory
waiting periods in respect thereof shall have expired (all such approvals and the expiration of all such waiting periods being
referred to as the &ldquo;<U>Requisite Regulatory Approvals</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Legal Proceedings</U>. No court or Regulatory Authority of competent jurisdiction shall have enacted, issued, promulgated,
enforced or entered any Law or Order (whether temporary, preliminary or permanent) or taken any other action which prohibits,
restricts or makes illegal the consummation of the transactions contemplated by this Agreement (including the Merger).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
<U>Registration Statement</U>. The Registration Statement shall be effective under the Securities Act, no stop orders suspending
the effectiveness of the Registration Statement shall have been issued, and no action, suit, proceeding or investigation by the
SEC to suspend the effectiveness thereof shall have been initiated and be continuing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
<U>Exchange Listing</U>. The shares of Buyer Common Stock issuable pursuant to the Merger shall have been approved for listing
on Nasdaq, subject to official notice of issuance (if such approval is required by Nasdaq).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
<U>Tax Matters</U>. The Parties shall have received a written opinion of Covington, in form reasonably satisfactory to such Parties
(the &ldquo;<U>Tax Opinion</U>&rdquo;), to the effect that the Merger will qualify as a &ldquo;reorganization&rdquo; within the
meaning of Section 368(a) of the Internal Revenue Code. In rendering such Tax Opinion, such counsel shall be entitled to rely
upon representations of officers of Seller and Buyer reasonably satisfactory in form and substance to such counsel.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_100"></A>8.2. Conditions
to Obligations of Buyer.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
obligations of Buyer to consummate the Merger and the other transactions contemplated hereby are subject to the satisfaction at
or prior to the Effective Time of the following conditions, unless waived by Buyer pursuant to Section 10.6:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Representations and Warranties</U>. For purposes of this Section 8.2(a), the accuracy of the representations and warranties
of Seller set forth in this Agreement shall be assessed as of the date of this Agreement and as of the Effective Time with the
same effect as though all such representations and warranties had been made on and as of the Effective Time (provided that representations
and warranties which are confined to a specified date shall speak only as of such date). The representations and warranties of
Seller set forth in Sections 4.1, 4.2, 4.3(a), 4.3(c), 4.4(a), 4.5, 4.10(a), 4.15, 4.21, 4.34, and 4.35 shall be true and correct
(except, only with respect to Section 4.3(a), for inaccuracies which are de minimis in amount). The representations and warranties
of Seller set forth in Sections 4.3(b), 4.4(b), 4.6, 4.7, 4.9, 4.11, 4.12(a), 4.16, 4.18, 4.22(a), 4.25, 4.27, 4.28, 4.29, 4.30,
4.32, and 4.33 be true and correct in all material respects; provided, that, for purposes of this sentence only, those representations
and warranties which are qualified by references to &ldquo;material&rdquo; or &ldquo;Material Adverse Effect&rdquo; or to the
&ldquo;Knowledge&rdquo; of any Person shall be deemed not to include such qualifications. The representations and warranties set
forth in each other section in ARTICLE 4 shall, in the aggregate, be true and correct in all respects except where the failure
of such representations and warranties to be true and correct has not had or would not reasonably be expected to have, either
individually or in the aggregate, a Material Adverse Effect on Seller and Seller Bank, taken as a whole; provided, that, for purposes
of this sentence only, those representations and warranties which are qualified by references to &ldquo;material&rdquo; or &ldquo;Material
Adverse Effect&rdquo; or to the &ldquo;Knowledge&rdquo; of any Person shall be deemed not to include such qualifications.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Performance of Agreements and Covenants</U>. Seller shall have performed in all material respects all obligations, covenants
and agreements required to be performed by it under this Agreement at or prior to the Effective Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Certificates</U>. Seller shall have delivered to Buyer (i) a certificate, dated as of the Closing Date and signed on its behalf
by its chief executive officer and its chief financial officer, to the effect that the conditions set forth in Section 8.1 as
such conditions relate to Seller and in Sections 8.2(a) and 8.2(b) have been satisfied and (ii) certified copies of resolutions
duly adopted by Seller&rsquo;s board of directors and shareholders evidencing the taking of all corporate action necessary to
authorize the execution, delivery and performance of this Agreement, and the consummation of the transactions contemplated hereby,
all in such reasonable detail as Buyer and its counsel shall request.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
<U>Asset Quality</U>. In each case as reflected in the Closing Financial Statements, (i) Delinquent Loans shall not exceed 0.70%
of total Loans, (ii) Non-Performing Loans shall not exceed 0.60% of total Loans, (iii) the calculation of Non-Performing Assets
to total Assets shall not be in excess of 0.50%, (iv) Classified Assets to Tier 1 capital plus ALLL ratio shall not be in excess
of 9.80%, (v) Non-Performing Assets shall not exceed $12,000,000, (vi) Classified Assets shall not exceed $35,000,000, and (vii)
ALLL to total Loans shall exceed 0.70%.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
<U>Dissenting Shares</U>. Holders of not more than five percent of the outstanding shares of Seller Common Stock shall have demanded,
properly and in writing, appraisal for such shares of Seller Common Stock held by each such holder under Section 10.351 et seq.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
<U>Regulatory Capital</U>. In each case as reflected in the Closing Financial Statements, (i) Seller Bank shall be &ldquo;well
capitalized&rdquo; as defined under applicable Law, (ii) Seller Bank&rsquo;s Tier 1 leverage ratio shall be no less than 10.25%,
(iii) Seller Bank&rsquo;s Tier 1 risked-based capital ratio shall be no less than 13.00%, (iv) Seller Bank&rsquo;s total risked-based
capital ratio shall be no less than 13.50%, (v) Seller Bank&rsquo;s common equity Tier 1 ratio shall be no less than 13.00%, and
(vi) Seller Bank shall not have received any notification from TDSML or FDIC to the effect that the capital of Seller Bank is
insufficient to permit Seller Bank to engage in all aspects of its business and its currently proposed businesses without material
restrictions, including the imposition of a Burdensome Condition; provided that the conditions contained in Sections 8.2(f)(ii)
through 8.2(f)(v) shall be waived by Buyer if the failure to satisfy such conditions is due primarily to the growth of Seller
Bank&rsquo;s Assets, as determined by Buyer in its reasonable discretion after consultation with Seller and Seller&rsquo;s legal
counsel and financial advisor and considering in good faith the results of such consultation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(g)
<U>Termination of Contracts</U>. Seller shall have delivered to Buyer evidence satisfactory to Buyer in its discretion that each
Contract listed in Section 8.2(g) of Seller&rsquo;s Disclosure Memorandum has been terminated in its entirety. In addition, Seller
shall have delivered to Buyer evidence satisfactory to Buyer in its discretion that each Contract listed in Section 8.2(g) of
Buyer&rsquo;s Disclosure Memorandum has been terminated in its entirety.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(h)
<U>Burdensome Condition</U>. No Requisite Regulatory Approval contains, shall have resulted in or would reasonably be expected
to result in, the imposition of a Burdensome Condition as determined by Buyer in its sole discretion after consultation with Seller
and Seller&rsquo;s legal counsel and financial advisor and considering in good faith the results of such consultation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(i)
<U>Document Archiving</U>. Seller shall have delivered to Buyer a certificate, dated as of the Closing Date and signed on its
behalf by its chief executive officer and its chief financial officer (and in such reasonable detail as Buyer and their counsel
shall request), to the effect that it has fulfilled its obligations under Section 7.19 in all material respects.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(j)
<U>Seller Warrants</U>. Seller shall have delivered to Buyer duly executed Warrant Cancellation Agreements from all holders of
Seller Warrants.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_101"></A>8.3. Conditions
to Obligations of Seller.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
obligations of Seller to consummate the Merger and the other transactions contemplated hereby are subject to the satisfaction
at or prior to the Effective Time of the following conditions, unless waived by Seller pursuant to Section 10.6:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
<U>Representations and Warranties</U>. For purposes of this Section 8.3(a), the accuracy of the representations and warranties
of Buyer set forth in this Agreement shall be assessed as of the date of this Agreement and as of the Effective Time with the
same effect as though all such representations and warranties had been made on and as of the Effective Time (provided that representations
and warranties which are confined to a specified date shall speak only as of such date). The representations and warranties of
Buyer set forth in Sections 5.4(a), 5.4(c) and 5.9 shall be true and correct (except for inaccuracies which are de minimis in
amount). The representations and warranties of Buyer set forth in Sections 5.4(b), 5.13 and 5.14 shall be true and correct in
all material respects. The representations and warranties set forth in each other section in ARTICLE 5 shall, in the aggregate,
be true and correct in all respects except where the failure of such representations and warranties to be true and correct has
not had or would not reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Buyer
and Buyer Bank, taken as a whole; provided that, for purposes of this sentence only, those representations and warranties which
are qualified by references to &ldquo;material&rdquo; or &ldquo;Material Adverse Effect&rdquo; shall be deemed not to include
such qualifications.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
<U>Performance of Agreements and Covenants</U>. Buyer shall have performed in all material respects all obligations, covenants
and agreements required to be performed by it under this Agreement at or prior to the Effective Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
<U>Certificates</U>. Buyer shall have delivered to Seller (i) a certificate, dated as of the Closing Date and signed on its behalf
by its chief executive officer and its chief financial officer, to the effect that the conditions set forth in Section 8.1 as
such conditions relate to Buyer and in Sections 8.3(a) and 8.3(b) have been satisfied and (ii) certified copies of resolutions
duly adopted by Buyer&rsquo;s board of directors evidencing the taking of all corporate action necessary to authorize the execution,
delivery and performance of this Agreement, and the consummation of the transactions contemplated hereby, all in such reasonable
detail as Seller and its counsel shall request.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><A NAME="i21655b_102"></A><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>ARTICLE
9</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>TERMINATION</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_103"></A>9.1. Termination.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notwithstanding
any other provision of this Agreement, and notwithstanding the approval of this Agreement by the shareholders of Seller, this
Agreement may be terminated and the Merger abandoned at any time prior to the Effective Time:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
by mutual written agreement of Buyer and Seller;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
by either Party, by written notice to the other Party, in the event (i) (A) any Regulatory Authority has denied a Requisite Regulatory
Approval and such denial has become final, or has advised any Party that it will not grant (or intends to rescind or revoke if
previously approved) a Requisite Regulatory Approval or (B) any Regulatory Authority shall have requested that Buyer, Seller or
any of their respective Affiliates withdraw (other than for technical reasons), and not be permitted to resubmit within 60 days,
any application with respect to a Requisite Regulatory Approval, unless in each case the failure to obtain the Requisite Regulatory
Approval shall be due to the failure of the Party seeking to terminate this Agreement to perform or observe the obligations, covenants
and agreements of such Party set forth herein, (ii) subject to the terminating Party&rsquo;s compliance with</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> Section 7.16, the
shareholders of Seller fail to vote their approval of the matters relating to this Agreement and the transactions contemplated
hereby at Seller&rsquo;s Shareholders&rsquo; Meeting where such matters were presented to such shareholders for approval and voted
upon (taking into account any adjournment or postponement thereof as required by this Agreement), or (iii) any Law or Order permanently
restraining, enjoining or otherwise prohibiting the consummation of the transactions contemplated by this Agreement shall have
become final and nonappealable, provided that the Party seeking to terminate this Agreement pursuant to this Section 9.1(b)(iii)
shall have used its reasonable best efforts to contest and appeal the application of such Law or Order or remove such Order;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
by either Party, by written notice to the other Party, in the event that the Merger shall not have been consummated by November
30, 2022, if the failure to consummate the transactions contemplated hereby on or before such date is not caused by any breach
of this Agreement by the Party electing to terminate pursuant to this Section 9.1(c);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)
by Buyer, by written notice to Seller, in the event that the board of directors of Seller has (i) failed to make the Seller Recommendation
or otherwise effected a Change in the Seller Recommendation, (ii) breached the terms of Section 7.2 in any material respect adverse
to Buyer, or (iii) breached its obligations under Section 7.1 by failing to call, give notice of, convene or hold Seller&rsquo;s
Shareholders&rsquo; Meeting in accordance with Section 7.1;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)
by either Party, by written notice to the other Party (provided that the terminating Party is not then in material breach of any
representation, warranty, covenant or other agreement contained herein), if there shall have been a breach of any of the covenants
or agreements or any of the representations or warranties (or any such representation or warranty shall cease to be true) set
forth in this Agreement on the part of Seller, in the case of a termination by Buyer, or Buyer, in the case of a termination by
Seller, which breach or failure to be true, either individually or in the aggregate with all other breaches by such Party (or
failures of such representations or warranties to be true), would constitute, if occurring or continuing on the Closing Date,
the failure of a condition set forth in Section 8.2, in the case of a termination by Buyer, or Section 8.3, in the case of a termination
by Seller, and which is not cured within 45 days following written notice to Seller, in the case of a termination by Buyer, or
Buyer, in the case of a termination by Seller, or by its nature or timing cannot be cured during such period (or such fewer days
as remain prior to the date specified in Section 9.1(c)); or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)
by Buyer, by written notice to Seller, if any Regulatory Authority has granted a Requisite Regulatory Approval but such Requisite
Regulatory Approval contains, or shall have resulted in or would reasonably be expected to result in, the imposition of a Burdensome
Condition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_104"></A>9.2. Effect
of Termination.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
the event of the termination and abandonment of this Agreement pursuant to Section 9.1, this Agreement shall become void and have
no further force or effect and there shall be no Liability on the part of any Party for any matters addressed herein or other
claim relating to this Agreement and the transactions contemplated hereby, except that (i) the provisions of this Section 9.2,
Section 7.5(c), and ARTICLE 10, shall survive any such termination and abandonment and (ii) no such termination or abandonment
shall relieve the breaching Party from Liability resulting from any fraud or breach by that Party of this Agreement occurring
prior to such termination or abandonment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_105"></A>9.3. Non-Survival
of Representations and Covenants.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
respective representations, warranties, obligations, covenants, and agreements of the Parties shall not survive the Effective
Time except this Section 9.3, Sections 7.5 (the confidentiality provisions), 7.7, 7.8 and 7.9, and ARTICLE 1, ARTICLE 2, ARTICLE
3, and ARTICLE 10, which shall survive in accordance with their respective terms.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B><A NAME="i21655b_106"></A>ARTICLE
10</B></FONT><FONT STYLE="font-size: 10pt"><BR>
<FONT STYLE="text-transform: uppercase"><B>MISCELLANEOUS</B></FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_107"></A>10.1. Definitions.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Except as otherwise provided herein, the capitalized terms set forth below shall have the following meanings:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Acquisition
Agreement</U>&rdquo; means a term sheet, letter of intent, commitment, memorandum of understanding, agreement in principle, merger
agreement, acquisition agreement, option agreement or other similar agreement (whether written or oral, binding or nonbinding).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Acquisition
Proposal</U>&rdquo; means any offer, inquiry, proposal or indication of interest (whether communicated to Seller or publicly announced
to Seller&rsquo;s shareholders and whether binding or non-binding) by any Person (other than a Buyer Entity) for an Acquisition
Transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Acquisition
Transaction</U>&rdquo; means any transaction or series of related transactions (other than the transactions contemplated by this
Agreement) involving: (i) any acquisition or purchase, direct or indirect, by any Person (other than a Buyer Entity) of 20% or
more in interest of the total outstanding voting securities of any Seller Entity whose Assets, either individually or in the aggregate,
constitute more than 25% of the consolidated Assets of the Seller Entities, or any tender offer or exchange offer that if consummated
would result in any Person (other than a Buyer Entity) beneficially owning 20% or more in interest of the total outstanding voting
securities of any Seller Entity whose Assets, either individually or in the aggregate, constitute more than 25% of the consolidated
Assets of the Seller Entities, or any merger, consolidation, share exchange, business combination, reorganization, recapitalization,
liquidation, dissolution or similar transaction involving any Seller Entity whose Assets, either individually or in the aggregate,
constitute more than 25% of the consolidated Assets of the Seller Entities; or (ii) any sale, lease, exchange, transfer, license,
acquisition or disposition of 20% or more of the consolidated Assets of the Seller Entities, taken as a whole.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Affiliate</U>&rdquo;
of a Person means any other Person directly, or indirectly through one or more intermediaries, controlling, controlled by or under
common control with such Person; and, in the case of any Person that is not a natural person, &ldquo;control&rdquo; means (i)
the ownership, control, or power to vote 25 percent or more of any class of voting securities of the other Person, (ii) control
in any manner of the election of a majority of the directors, trustees, managing members or general partners of the other Person,
or (iii) the possession, directly or indirectly, of the power to exercise a controlling influence over the management or policies
of such Person, whether through the ownership of voting securities, as trustee or executor, by Contract or any other means.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Aggregate
Cash Consideration</U>&rdquo; means cash in the amount of $0.00.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Aggregate
Cash Equivalent Consideration</U>&rdquo; means the product of the Stock Consideration and the Average Closing Price.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Aggregate
Stock Option Payout</U>&rdquo; means the sum of all Seller Stock Option Payouts.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Aggregate
Warrant Payout</U>&rdquo; means the sum of all Seller Warrant Payouts.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Assets</U>&rdquo;
of a Person means all of the assets, properties, deposits, businesses and rights of such Person of every kind, nature, character
and description, whether real, personal or mixed, tangible or intangible, accrued or contingent, or otherwise relating to or utilized
in such Person&rsquo;s business, directly or indirectly, in whole or in part, whether or not carried on the Books and Records
of such Person, and whether or not owned in the name of such Person or any Affiliate of such Person and wherever located.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Average
Closing Price</U>&rdquo; means the average of the daily closing prices for the shares of Buyer Common Stock for the twenty consecutive
full trading days on which such shares are actually traded on Nasdaq (as reported by The Wall Street Journal or, if not reported
thereby, any other authoritative source) ending at the close of trading on the Determination Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>BHC
Act</U>&rdquo; means the federal Bank Holding Company Act of 1956, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Books
and Records</U>&rdquo; means all files, ledgers and correspondence, all manuals, reports, texts, notes, memoranda, invoices, receipts,
accounts, accounting records and books, financial statements and financial working papers and all other records and documents
of any nature or kind whatsoever, including those recorded, stored, maintained, operated, held or otherwise wholly or partly dependent
on discs, tapes and other means of storage, including any electronic, magnetic, mechanical, photographic or optical process, whether
computerized or not, and all software, passwords and other information and means of or for access thereto, belonging to any specified
Person or relating to the business.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Business
Day</U>&rdquo; means any day other than a Saturday, a Sunday or a day on which all banking institutions in Little Rock, Arkansas,
or Houston, Texas, are authorized or obligated by Law or executive order to close.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Bank</U>&rdquo; means Simmons Bank, an Arkansas chartered bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Benefit Plan</U>&rdquo; means each Employee Benefit Plan currently adopted (including all amendments thereto), maintained by,
sponsored in whole or in part by, or contributed to by any Buyer Entity or Buyer ERISA Affiliate for the benefit of employees,
retirees, dependents, spouses, directors, independent contractors, or other beneficiaries or under which employees, retirees,
former employees, dependents, spouses, directors, independent contractors, or other beneficiaries are eligible to participate
or with respect to which Buyer or any Buyer ERISA Affiliate has or may have any obligation or Liability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Common Stock</U>&rdquo; means the $0.01 par value common stock of Buyer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Entities</U>&rdquo; means, collectively, Buyer and all Buyer Subsidiaries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
ERISA Affiliate</U>&rdquo; means any entity which together with a Buyer Entity would be treated, at the relevant time, as a single
employer under Internal Revenue Code Section 414.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Financial Statements</U>&rdquo; means (i) the consolidated statements of condition (including related notes and schedules, if
any) of Buyer as of December 31, 2020, and as of December 31, 2019 and 2018 and the related statements of operations, changes
in shareholders&rsquo; equity, and cash flows (including related notes and schedules, if any) for the year ended December 31,
2020, and for each of the two fiscal years ended December 31, 2019 and 2018 as filed by Buyer in SEC Documents and (ii) the consolidated
statements of condition of Buyer (including related</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt"> notes and schedules, if any) and related statements of operations, changes
in shareholders&rsquo; equity, and cash flows (including related notes and schedules, if any) included in SEC Documents filed
with respect to periods ended subsequent to December 31, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Restricted Stock Award</U>&rdquo; means each award of shares of Buyer Common Stock or other Equity Right to shares of Buyer Common
Stock subject to vesting, repurchase, performance or other lapse restriction granted under a Buyer Stock Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Stock Options</U>&rdquo; means each option or other Equity Right to purchase shares of Buyer Common Stock pursuant to stock options
or stock appreciation rights.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Stock Plans</U>&rdquo; means the existing stock option and other stock-based compensation plans of Buyer designated as follows:
Simmons Executive Stock Incentive Plan - 2006; Simmons Outside Director Stock Incentive Plan - 2006; Simmons Executive Stock Incentive
Plan - 2010; Simmons Outside Director Stock Incentive Plan - 2014; and the Second Amended and Restated Simmons First National
Corporation 2015 Incentive Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Buyer
Subsidiaries</U>&rdquo; means the Subsidiaries of Buyer, which shall include any corporation, bank, savings association, limited
liability company, limited partnership, limited liability partnership or other organization acquired as a Subsidiary of Buyer
after the date hereof and held as a Subsidiary by Buyer at the Effective Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Call
Reports</U>&rdquo; mean Consolidated Reports of Condition and Income (FFIEC Form 041) or any successor form of the Federal Financial
Institutions Examination Council of Seller Bank or Buyer Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>CARES
Act</U>&rdquo; means the Coronavirus Aid, Relief, and Economic Security Act (Pub. L. No. 116-136 (H.R. 748)).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Cash
Consideration</U>&rdquo; means the Aggregate Cash Consideration less the sum of (i) the Aggregate Stock Option Payout and (ii)
the Aggregate Warrant Payout.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Classified
Assets</U>&rdquo; means all Classified Loans, plus OREO and other repossessed assets.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Classified
Loans</U>&rdquo; means all of the Loans of the Seller Entities that were classified by a Seller Entity as &ldquo;Substandard,&rdquo;
&ldquo;Doubtful,&rdquo; &ldquo;Loss,&rdquo; or words of similar import.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Consent</U>&rdquo;
means any consent, approval, authorization, clearance, exemption, waiver, non-objection, or similar affirmation by any Person
pursuant to any Contract, Law, Order, or Permit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Contract</U>&rdquo;
means any written or oral agreement, arrangement, authorization, commitment, contract, indenture, instrument, lease, license,
mortgage, obligation, plan, understanding, or undertaking of any kind or character, or other document to which any Person is a
party or that is binding on any Person or its capital stock, Assets or business.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>COVID-19</U>&rdquo;
means the disease caused by the SARS-CoV-2 virus, and any evolutions thereof or any other epidemics, pandemics or disease outbreaks
related thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>COVID-19
Relief Law</U>&rdquo; means any Law released, issued or promulgated by a Regulatory Authority that grants to any Person the ability
(i) to defer, reduce or eliminate any Taxes, (ii) to borrow or otherwise secure financing (including any PPP Loans), (iii) to
obtain grants or other</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt"> financial benefits, in each case as a result of, or in connection with, the effects of COVID-19, including
the CARES Act, the Families First Coronavirus Response Act, and the Consolidated Appropriations Act, 2021.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Covington</U>&rdquo;
means Covington &amp; Burling LLP, headquartered at One CityCenter, 850 10th St NW, Washington, DC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Criticized
Loan</U>&rdquo; means a Loan that was classified by a Seller Entity as &ldquo;Special Mention,&rdquo; &ldquo;Substandard,&rdquo;
&ldquo;Doubtful,&rdquo; &ldquo;Loss,&rdquo; or words of similar import.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Default</U>&rdquo;
means (i) any breach or violation of, default under, contravention of, conflict with, or failure to perform any obligations under
any Contract, Law, Order, or Permit, (ii) any occurrence of any event that with the passage of time or the giving of notice or
both would constitute a breach or violation of, default under, contravention of, or conflict with, any Contract, Law, Order, or
Permit, or (iii) any occurrence of any event that with or without the passage of time or the giving of notice would give rise
to a right of any Person to exercise any remedy or obtain any relief under, terminate or revoke, suspend, cancel, or modify or
change the current terms of, or renegotiate, or to accelerate the maturity or performance of, or to increase or impose any Liability
under, any Contract, Law, Order, or Permit.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Delinquent
Loans</U>&rdquo; means all Loans with principal or interest that are 30-89 days past due.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Derivative
Transaction</U>&rdquo; means any swap transaction, option, warrant, forward purchase or sale transaction, futures transaction,
cap transaction, floor transaction or collar transaction relating to one or more currencies, commodities, bonds, equity securities,
loans, interest rates, catastrophe events, weather-related events, credit-related events or conditions or any indexes, or any
other similar transaction (including any option with respect to any of these transactions) or combination of any of these transactions,
including collateralized mortgage obligations or other similar instruments or any debt or equity instruments evidencing or embedding
any such types of transactions, and any related credit support, collateral or other similar arrangements related to such transactions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Determination
Date</U>&rdquo; means the tenth (10<SUP>th</SUP>) Business Day prior to the Closing Date, provided that if shares of the Buyer
Common Stock are not actually traded on Nasdaq on such day, the Determination Date shall be the immediately preceding day to the
tenth Business Day prior to the Closing Date on which shares of Buyer Common Stock actually trade on Nasdaq.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Disclosure
Memorandum</U>&rdquo; of a Party means a letter delivered by such Party to the other Party prior to execution of this Agreement,
setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express
disclosure requirement contained in a provision hereof or as an exception to one or more representations or warranties contained
in ARTICLE 4 and ARTICLE 5 or to one or more of its covenants contained in this Agreement; provided, that (i) no such item is
required to be set forth in a Disclosure Memorandum as an exception to a representation or warranty if its absence would not be
reasonably likely to result in the related representation or warranty being deemed untrue or incorrect, (ii) the mere inclusion
of an item in a Disclosure Memorandum as an exception to a representation or warranty shall not be deemed an admission by a Party
that such item represents a material exception or fact, event or circumstance or that such item is reasonably expected to result
in a Material Adverse Effect on the Party making the representation or warranty, and (iii) any disclosures made with respect to
a section of ARTICLE 4 or ARTICLE 5 shall be deemed to qualify (A) any other section of ARTICLE 4 or ARTICLE 5 specifically</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt"> referenced
or cross-referenced and (B) other sections of ARTICLE 4 or ARTICLE 5 to the extent it is reasonably apparent on its face (notwithstanding
the absence of a specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Employee
Benefit Plan</U>&rdquo; means each pension, retirement, profit-sharing, deferred compensation, stock option, restricted stock,
stock appreciation rights, employee stock ownership, share purchase, severance pay, vacation, bonus, incentive, retention, change
in control or other incentive plan, medical, vision, dental or other health plan, any life insurance plan, flexible spending account,
cafeteria plan, vacation, holiday, disability or any other employee benefit plan or fringe benefit plan, including any &ldquo;employee
benefit plan,&rdquo; as that term is defined in Section 3(3) of ERISA and any other plan, fund, policy, program, practice, custom,
understanding, agreement, or arrangement providing compensation or other benefits, whether or not such Employee Benefit Plan is
or is intended to be (i) covered or qualified under the Internal Revenue Code, ERISA or any other applicable Law, (ii) written
or oral, (iii) funded or unfunded, (iv) actual or contingent, or (v) arrived at through collective bargaining or otherwise.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Environmental
Laws</U>&rdquo; means all Laws, Orders, Permits, opinions or agency requirements relating to pollution or protection of human
health or safety or the environment (including ambient air, surface water, ground water, land surface, or subsurface strata) including
the Comprehensive Environmental Response Compensation and Liability Act, as amended, 42 U.S.C. 9601 <I>et seq.</I>, the Resource
Conservation and Recovery Act, as amended, 42 U.S.C. 6901 <I>et seq.</I>, and other Laws relating to emissions, discharges, releases,
or threatened releases of any Hazardous Material, or otherwise relating to the manufacture, processing, distribution, use, treatment,
storage, disposal, transport, or handling of any Hazardous Material.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Equity
Rights</U>&rdquo; means all arrangements, calls, commitments, Contracts, options, rights (including preemptive rights or redemption
rights), scrip, units, understandings, warrants, or other binding obligations of any character whatsoever relating to, or securities
or rights convertible into or exchangeable for, shares of the capital stock or equity interests of a Person or by which a Person
is or may be bound to issue additional shares of its capital stock or other equity interests.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>ERISA</U>&rdquo;
means the Employee Retirement Income Security Act of 1974, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Exchange
Act</U>&rdquo; means the Securities Exchange Act of 1934, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Exhibit</U>&rdquo;
means the Exhibits so marked, copies of which are attached to this Agreement. Such Exhibits are hereby incorporated by reference
herein and made a part hereof, and may be referred to in this Agreement and any other related instrument or document without being
attached hereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Federal
Reserve</U>&rdquo; means the Board of Governors of the Federal Reserve System or a Federal Reserve Bank acting under the appropriately
delegated authority thereof, as applicable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Fully
Diluted Per Share Value</U>&rdquo; means the quotient obtained by dividing the Total Dilution Consideration by the Fully Diluted
Seller Shares Outstanding.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Fully
Diluted Seller Shares Outstanding</U>&rdquo; means the sum of (i) the Seller Shares Outstanding, (ii) the Seller Stock Options
Outstanding, and (iii) the Seller Warrants Outstanding.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>GAAP</U>&rdquo;
means U.S. generally accepted accounting principles, consistently applied during the periods involved.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Hazardous
Material</U>&rdquo; means (i) any hazardous substance, hazardous material, hazardous waste, regulated substance, or toxic substance
(as those terms are defined by any applicable Environmental Laws), (ii) any chemicals, pollutants, contaminants, petroleum, petroleum
products, or oil, lead-containing paint or plumbing, radioactive materials or radon, asbestos-containing materials and any polychlorinated
biphenyls, and (iii) any other substance which has been, is, or may be the subject of regulatory action by any Regulatory Authority
in connection with any Environmental Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Intellectual
Property</U>&rdquo; means copyrights, patents, trademarks, service marks, service names, trade names, brand names, internet domain
names, logos together with all goodwill associated therewith, registrations and applications therefor, technology rights and licenses,
computer software (including any source or object codes therefor or documentation relating thereto), trade secrets, franchises,
know-how, inventions, and other intellectual property rights.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Internal
Revenue Code</U>&rdquo; means the Internal Revenue Code of 1986, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Key
Employee</U>&rdquo; means an employee of any Seller Entity having the position of Senior Vice President or above.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Knowledge</U>&rdquo;
or &ldquo;<U>knowledge</U>&rdquo; as used with respect to a Person means the actual knowledge of the chairman, president, chief
executive officer, chief financial officer, chief risk officer (to the extent applicable to such Person), chief operating officer,
or general counsel (to the extent applicable to such Person) of such Person and the knowledge of any such Persons obtained or
which would have been obtained from a reasonable investigation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Law</U>&rdquo;
means any code, law (including common law), ordinance, regulation, reporting or licensing requirement, rule, or statute applicable
to a Person or its Assets, Liabilities, or business, including those promulgated, interpreted or enforced by any Regulatory Authority.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Liability</U>&rdquo;
means any direct or indirect, primary or secondary, liability, indebtedness, obligation, penalty, cost or expense (including costs
of investigation, collection and defense), claim, deficiency, guaranty or endorsement of or by any Person (other than endorsements
of notes, bills, checks, and drafts presented for collection or deposit in the Ordinary Course) of any type, whether accrued,
absolute or contingent, liquidated or unliquidated, matured or unmatured, or otherwise.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Lien</U>&rdquo;
means any conditional sale agreement, default of title, easement, encroachment, encumbrance, hypothecation, infringement, lien,
mortgage, pledge, option, right of first refusal, reservation, restriction, security interest, title retention or other security
arrangement, or any adverse right or interest, charge, or claim of any nature whatsoever of, on, or with respect to any property
or property interest, other than Permitted Liens.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Litigation</U>&rdquo;
means any action, arbitration, cause of action, lawsuit, claim, complaint, criminal prosecution, governmental or other examination
or investigation, audit (other than regular audits of financial statements by outside auditors), compliance review, inspection,
hearing, administrative or other proceeding relating to or affecting a Party, its business, its records, its policies, its practices,
its compliance with Law, its actions, its Assets (including Contracts related to it), or the transactions contemplated by this
Agreement, but shall not include regular, periodic examinations of depository institutions and their Affiliates by Regulatory
Authorities.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Loans</U>&rdquo;
means any written or oral loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, guarantees
and interest-bearing assets) to which any Seller Entity is party as a creditor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Losses</U>&rdquo;
means any and all demands, claims, actions or causes of action, assessments, losses, diminution in value, damages (including special,
punitive and consequential damages), liabilities, costs, and expenses, including interest, penalties, cost of investigation and
defense, and reasonable attorneys&rsquo; and other professional fees and expenses.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Material</U>&rdquo;
or &ldquo;<U>material</U>&rdquo; for purposes of this Agreement shall be determined in light of the facts and circumstances of
the matter in question; provided, that any specific monetary amount stated in this Agreement shall determine materiality in that
instance (provided that, for purposes of determining materiality in the case of Section 4.20, each monetary amount stated in such
section shall be deemed to be the greater of the amount that is stated or $100,000).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Material
Adverse Effect</U>&rdquo; means with respect to any Party and its Subsidiaries, any fact, circumstance, event, change, effect,
development or occurrence that, individually or in the aggregate together with all other facts, circumstances, events, changes,
effects, developments or occurrences, directly or indirectly, (i) has had or would reasonably be expected to result in a material
adverse effect on the condition (financial or otherwise), results of operations, Assets, liabilities or business of such Party
and its Subsidiaries taken as a whole; provided, that a &ldquo;Material Adverse Effect&rdquo; shall not be deemed to include effects
to the extent resulting from (A) changes after the date of this Agreement in GAAP or applicable regulatory accounting requirements,
(B) changes after the date of this Agreement in Laws of general applicability to companies in the financial services industry,
(C) changes after the date of this Agreement in global, national or regional political conditions or general economic or market
conditions in the United States (and with respect to each of Seller and Buyer, in the respective markets in which they operate),
including changes in prevailing interest rates, credit availability and liquidity, currency exchange rates, and price levels or
trading volumes in the United States or foreign securities markets) affecting other companies in the financial services industry,
(D) after the date of this Agreement, general changes in the credit markets or general downgrades in the credit markets, (E) failure,
in and of itself, to meet earnings projections or internal financial forecasts, but not including any underlying causes thereof
unless separately excluded hereunder, or changes in the trading price of a Party&rsquo;s common stock, in and of itself, but not
including any underlying causes unless separately excluded hereunder, (F) the public disclosure of this Agreement and the impact
thereof on relationships with customers or employees, (G) any outbreak or escalation of hostilities, declared or undeclared acts
of war or terrorism, (H) changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods or other natural
disasters or from any epidemic, pandemic, or outbreak of any disease or other public health event (including the Pandemic and
the implementation of the Pandemic Measures) in the jurisdictions in which Seller or Buyer Bank operate or (I) actions or omissions
taken with the prior written consent of the other Party or expressly required by this Agreement; except, with respect to clauses
(A), (B), (C), (D), (G) and (H), to the extent that the effects of such change disproportionately affect such Party and its Subsidiaries,
taken as a whole, as compared to other companies in the industry in which such Party and its Subsidiaries operate or (ii) prevents
or materially impairs the ability of such Party to timely consummate the transactions contemplated hereby; provided, further,
that the application of the conditions in Section 8.2(d) and Section 8.2(f) is independent of the definition of Material Adverse
Effect and the satisfaction or lack of satisfaction of the requirements therein is not determinative of whether a Material Adverse
Effect has otherwise occurred.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Merger
Consideration</U>&rdquo; means the sum of (A) the Per Share Stock Consideration, (B) the Fractional Share Payment (if any), and
(C) any dividends or distributions (if any) pursuant to Section 3.1(d).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Nasdaq</U>&rdquo;
means the Nasdaq Global Select Market.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Non-Performing
Assets</U>&rdquo; means (i) Non-Performing Loans and (ii) OREO and other repossessed Assets. Non-Performing Assets shall be reflected
in the Closing Financial Statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Non-Performing
Loans</U>&rdquo; means (i) all Loans with principal and/or interest that are at least 90 days past due and still accruing and
(ii) all Loans with principal and/or interest that are nonaccruing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Operating
Property</U>&rdquo; means any property owned, leased, or operated by the Party in question or by any of its Subsidiaries or in
which such Party or Subsidiary holds a security interest or other interest (including an interest in a fiduciary capacity), and,
where required by the context, includes the owner or operator of such property, but only with respect to such property.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Option
Exercise Price</U>&rdquo; means the exercise price of a Seller Stock Option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Order</U>&rdquo;
means any administrative decision or award, decree, injunction, judgment, order, consent decree, quasi-judicial decision or award,
ruling, or writ of any federal, state, local or foreign or other court, arbitrator, mediator, tribunal, administrative agency,
or Regulatory Authority.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Ordinary
Course</U>&rdquo; means the conduct of the business of the Party, in substantially the same manner as such business was operated
on the date of this Agreement, including operations in conformance and consistent with the Party&rsquo;s practices and procedures
prior to and as of such date. For purposes of this Agreement, the term &ldquo;Ordinary Course,&rdquo; with respect to any Party,
shall take into account the commercially reasonable action or inaction by such Party and its Subsidiaries in response to the Pandemic
to comply with the Pandemic Measures to the extent disclosed or made available to the other Party prior to the date hereof or
as otherwise generally consistent with those actions taken by banks generally.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>OREO</U>&rdquo;
means &ldquo;other real estate owned&rdquo; or words of similar import as reflected in the Seller Financial Statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Pandemic</U>&rdquo;
means any outbreaks, epidemics or pandemics relating to COVID-19, or any evolutions or mutations thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Pandemic
Measures</U>&rdquo; means any quarantine, &ldquo;shelter in place&rdquo;, &ldquo;stay at home&rdquo;, workforce reduction, social
distancing, masking, shut down, closure, sequester or other Laws or directives, guidelines or recommendations promulgated by any
Regulatory Authority, including the Centers for Disease Control and Prevention and the World Health Organization, in each case,
in connection with or in response to the Pandemic.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Participation
Facility</U>&rdquo; means any facility or property in which the Party in question or any of its Subsidiaries participates in the
management and, where required by the context, said term means the owner or operator of such facility or property, but only with
respect to such facility or property.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Party</U>&rdquo;
means either of Seller or Buyer, and &ldquo;<U>Parties</U>&rdquo; means Seller and Buyer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Permit</U>&rdquo;
means any federal, state, local, or foreign governmental approval, authorization, certificate, easement, filing, franchise, license,
notice, permit, or right to which any Person is a party or that is or may be binding upon or inure to the benefit of any Person
or its securities, Assets, or business.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Per
Share Stock Consideration</U>&rdquo; means the quotient obtained by dividing the Stock Consideration (for the avoidance of doubt,
as may be adjusted under Section 2.3(c)) by the Seller Shares Outstanding.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Person</U>&rdquo;
means a natural person or any legal, commercial or governmental entity, such as, but not limited to, a corporation, general partnership,
joint venture, limited partnership, limited liability company, limited liability partnership, trust, business association, group
acting in concert, or any person acting in a Representative capacity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>PPP
Loan</U>&rdquo; means (i) any covered loan under paragraph (36) of Section 7(a) of the Small Business Act (15 U.S.C. 636(a)),
as added by Section 1102 of the CARES Act, or (ii) any loan that is an extension or expansion of, or is similar to, any covered
loan described in clause (i).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Previously
Disclosed</U>&rdquo; by a Party means information set forth in its Disclosure Memorandum or, if applicable, information set forth
in its SEC Documents that were filed on or after December 31, 2017, in the case of Buyer, or on or after April 26, 2018, in the
case of Seller, but prior to the date hereof (but disregarding risk factor disclosures contained under the heading &ldquo;Risk
Factors&rdquo; or disclosures of risk factors set forth in any &ldquo;forward-looking statements&rdquo; disclaimer or other statements
that are similarly non-specific or cautionary, predictive or forward-looking in nature).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Registration
Statement</U>&rdquo; means the Registration Statement on Form S-4, or other appropriate form, including any pre-effective or post-effective
amendments or supplements thereto, to be filed with the SEC by Buyer under the Securities Act with respect to the shares of Buyer
Common Stock to be issued to the shareholders of Seller pursuant to this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Regulatory
Authorities</U>&rdquo; means, collectively, the SEC, Nasdaq, state securities authorities, the Financial Industry Regulatory Authority,
the Securities Investor Protector Corporation, applicable securities, commodities and futures exchanges, and other industry self-regulatory
organizations, the Federal Reserve, the FDIC, the ASBD, the TDSML, the Consumer Financial Protection Bureau, the Public Company
Accounting Oversight Board, the IRS, the DOL, the PBGC, and all other foreign, federal, state, county, local or other governmental,
banking or regulatory agencies, authorities (including taxing and self-regulatory authorities), instrumentalities, commissions,
boards, courts, administrative agencies, commissions or bodies.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Representative</U>&rdquo;
means, with respect to any Person, any officer, director, employee, investment banker, financial or other advisor, attorney, auditor,
accountant, consultant, or other representative or agent of or engaged or retained by such Person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>SEC</U>&rdquo;
means the United States Securities and Exchange Commission.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>SEC
Documents</U>&rdquo; means all forms, proxy statements, registration statements, reports, schedules, and other documents filed,
together with any amendments thereto, by any Buyer Entities with the SEC on or after December 31, 2017, or by any Seller Entities
with the SEC on or after April 26, 2018, as applicable.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Securities
Act</U>&rdquo; means the Securities Act of 1933, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Securities
Laws</U>&rdquo; means the Securities Act, the Exchange Act, the Investment Company Act of 1940, as amended, the Investment Advisers
Act of 1940, as amended, the Trust Indenture Act of 1939, as amended, and the rules and regulations of any Regulatory Authority
promulgated thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Bank</U>&rdquo; means Spirit of Texas Bank SSB, a state savings bank under the laws of Texas and a wholly owned Seller Subsidiary.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Bank Capital Stock</U>&rdquo; means, collectively, Seller Bank Common Stock and any other class or series of capital stock of
Seller Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Bank Common Stock</U>&rdquo; means the common stock, par value $4.00 per share, of Seller Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Common Stock</U>&rdquo; means the common stock, no par value, of Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Entities</U>&rdquo; means, collectively, Seller and all Seller Subsidiaries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
ERISA Affiliate</U>&rdquo; means any entity which together with a Seller Entity would be, at the relevant time, treated as a single
employer under Internal Revenue Code Section 414.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Financial Statements</U>&rdquo; means (i) the consolidated statements of condition (including related notes and schedules, if
any) of Seller as of December 31, 2020, and as of December 31, 2019, 2018, and 2017 and the related statements of operations,
changes in shareholders&rsquo; equity, and cash flows (including related notes and schedules, if any) for the year ended December
31, 2020, and for each of the four fiscal years ended December 31, 2019, 2018, and 2017 as filed by Seller in SEC Documents and
(ii) the consolidated statements of condition of Seller (including related notes and schedules, if any) and related statements
of operations, changes in shareholders&rsquo; equity, and cash flows (including related notes and schedules, if any) included
in SEC Documents filed with respect to periods ended subsequent to December 31, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Shares Outstanding</U>&rdquo; means the total number of shares of Seller Common Stock and Seller Restricted Stock Units outstanding
immediately prior to the Effective Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Subsidiary</U>&rdquo; means the Subsidiaries of Seller, which shall include Seller Bank, the entities set forth on Schedules 4.4(c)
and 4.5(a) and any corporation, bank, savings association, limited liability company, limited partnership, limited liability partnership
or other organization acquired as a Subsidiary of Seller after the date hereof and held as a Subsidiary by Seller at the Effective
Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Stock Option Amount</U>&rdquo; means the Fully Diluted Per Share Value less the Option Exercise Price.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Stock Options Outstanding</U>&rdquo; means the total number of shares of Seller Common Stock underlying the Seller Stock Options
as of immediately prior to the Effective Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Warrant Agreements</U>&rdquo; means those warrant agreements issued by Seller in connection with Seller&rsquo;s acquisition of
Oasis Bank in 2012.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Warrant Amount</U>&rdquo; means the Fully Diluted Per Share Value less the Warrant Exercise Price.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Seller
Warrants Outstanding</U>&rdquo; means the total number of shares of Seller Common Stock underlying the Seller Warrants as of immediately
prior to the Effective Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Stock
Consideration</U>&rdquo; means 18,325,000 shares of Buyer Common Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Subsidiaries</U>&rdquo;
means all those corporations, associations, or other business entities of which the entity in question either (i) owns or controls
more than 50% of the outstanding equity securities or other ownership interests either directly or through an unbroken chain of
entities as to each of which more than 50% of the outstanding equity securities is owned directly or indirectly by its parent
(provided, there shall not be included any such entity the equity securities of which are owned or controlled in a fiduciary capacity),
(ii) in the case of partnerships, serves as a general partner, (iii) in the case of a limited liability company, serves as a managing
member, or (iv) otherwise has the ability to elect a majority of the directors, trustees or managing members thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Superior
Proposal</U>&rdquo; means any unsolicited bona fide written Acquisition Proposal with respect to which the board of directors
of Seller determines in its good faith judgment (based on, among other things, the advice of outside legal counsel and a financial
advisor) is reasonably likely to be consummated in accordance with its terms, and if consummated, would result in a transaction
more favorable, from a financial point of view, to Seller&rsquo;s shareholders than the Merger and the other transactions contemplated
by this Agreement (as it may be proposed to be amended by Buyer), taking into account all relevant factors (including the Acquisition
Proposal and this Agreement (including any proposed changes to this Agreement that may be proposed by Buyer in response to such
Acquisition Proposal)); provided, that for purposes of the definition of &ldquo;Superior Proposal,&rdquo; the references to &ldquo;20%&rdquo;
in the definition of Acquisition Transaction shall be deemed to be references to &ldquo;50%.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Tax</U>&rdquo;
or &ldquo;<U>Taxes</U>&rdquo; means any federal, state, county, local, or foreign taxes, or, to the extent in the nature of a
tax, any charges, fees, levies, imposts, duties, or other assessments, including income, gross receipts, excise, employment, sales,
use, transfer, recording license, payroll, franchise, severance, documentary, stamp, occupation, windfall profits, environmental,
commercial rent, capital stock, paid-up capital, profits, withholding, Social Security, single business and unemployment, real
property, personal property, escheat, unclaimed property, registration, ad valorem, value added, goods and services, alternative
or add-on minimum, estimated, or other tax, imposed or required to be withheld by the United States or any state, county, local
or foreign government or subdivision or agency thereof, including any interest, penalties, and additions imposed thereon or with
respect thereto (including any such interest, penalties, or additions imposed as a result of a failure to timely, correctly or
completely file any Tax Return).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Tax
Return</U>&rdquo; means any report, return, information return, or other document supplied to, or required to be supplied to a
Regulatory Authority in connection with Taxes, including any return of an affiliated or combined or unitary group that includes
a Party or its Subsidiaries and including any amendment, attachment, or schedule thereto.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Total
Dilution Consideration</U>&rdquo; means the sum of (i) the Aggregate Cash Consideration, (ii) the Aggregate Cash Equivalent Consideration,
(iii) the product obtained by multiplying the Weighted Average Option Exercise Price by the Seller Stock Options Outstanding,
and (iv) the product obtained by multiplying the Weighted Average Warrant Exercise Price by the Seller Warrants Outstanding.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Treasury
Regulations</U>&rdquo; means the United States Treasury Regulations promulgated under the Internal Revenue Code, and any reference
to any particular Treasury Regulation section shall be interpreted to include any final or temporary revision of or successor
to that Section regardless of how numbered or classified.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>WARN
Act</U>&rdquo; means the Worker Adjustment and Retraining Notification Act of 1988 (or any similar applicable local Law insofar
as it relates to an employer&rsquo;s obligations in the context of mass layoffs or plant closings).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Warrant
Cancellation Agreements</U>&rdquo; means the agreements effectuating the cancellation of the Seller Warrants as provided in Section
2.3, in form and substance reasonably satisfactory to Buyer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Warrant
Exercise Price</U>&rdquo; means the exercise price of a Seller Warrant.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Weighted
Average Option Exercise Price</U>&rdquo; means the weighted average Option Exercise Price for all the Seller Stock Options Outstanding.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&ldquo;<U>Weighted
Average Warrant Exercise Price</U>&rdquo; means the weighted average Warrant Exercise Price for all the Seller Warrants Outstanding.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_108"></A>10.2. Referenced
Pages.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
terms set forth below shall have the meanings ascribed thereto in the referenced pages:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="width: 90%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">401(k)
    Plan</FONT></td>
    <TD STYLE="width: 10%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-47</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">ABCA</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Aggregate
    Cash Increase</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-4</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Agreement</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">ALLL</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-28</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">ASBD</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-30</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Bank
    Merger</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Bankruptcy
    and Equity Exceptions</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-8</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Book-Entry
    Share</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Burdensome
    Condition</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-44</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Buyer</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Buyer
    Certificates</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-5</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Buyer
    SEC Reports</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-31</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Canceled
    Shares</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Change
    in the Seller Recommendation</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-42</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Chosen
    Courts</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-73</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Claim</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-48</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Closing</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Closing
    Date</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Closing
    Financial Statements</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">A-50</FONT></td></tr>
</TABLE>

<P STYLE="margin: 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 90%"><FONT STYLE="font-size: 10pt">Confidentiality
    Agreement</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: right; width: 10%"><FONT STYLE="font-size: 10pt">A-45</FONT></td></tr>

<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">Covered
    Employees</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: right"><FONT STYLE="font-size: 10pt">A-47</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">DOL</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-20</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Effective
    Time</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Exchange
    Agent</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-5</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Exchange
    Fund</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-5</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">FDIA</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-9</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">FDIC</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-10</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Fractional
    Share Payment</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-4</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Holders</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-5</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Indemnified
    Party</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-48</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Independent
    Contractors</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-20</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">IRS</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-18</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Maximum
    Amount</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-48</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Merger</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Money
    Laundering Laws</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-18</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Old
    Certificate</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Party</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-65</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">PBGC</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-21</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Permitted
    Liens</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-15</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Personally
    Identifiable Information</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-17</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Pool</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-27</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Proxy
    Statement/Prospectus</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-41</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Real
    Property</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-15</FONT></td></tr>

<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Regulation
    O</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-27</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Requisite
    Regulatory Approvals</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-53</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Sanctioned
    Countries</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-28</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Sanctions</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-28</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Sarbanes-Oxley
    Act</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-12</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Section
    10.351 et seq.</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-7</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Bank</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-10</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Bank Capital Stock</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-66</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Bank Common Stock</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-66</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Benefit Plan</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-21</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Contracts</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-24</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Dissenting Shareholders</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-7</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Dissenting Shares</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-7</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Financial Statements</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-66</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Recommendation</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-41</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Regulatory Agreement</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-25</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Restricted Stock Unit</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-4</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    SEC Reports</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-11</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Shareholder Approval</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-8</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Stock Option</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Stock Option Payout</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-3</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Warrant</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-4</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller
    Warrant Payout</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-4</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller&rsquo;s
    Shareholders&rsquo; Meeting</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-41</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; ">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Subsidiary
    Plan of Merger</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Surviving
    Corporation</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
</TABLE>

<P STYLE="margin: 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Surviving
    Entity</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-2</FONT></td></tr>

<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="width: 90%; padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Systems</FONT></td>
    <TD STYLE="width: 10%; padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-16</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Takeover
    Statutes</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-26</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Tax
    Opinion</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-53</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">TBOC</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">TDSML</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-8</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Termination
    Fee</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-71</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="padding: 0.25pt; text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Voting
    Agreement</FONT></td>
    <TD STYLE="padding: 0.25pt; text-align: right; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A-1</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Any singular
term in this Agreement shall be deemed to include the plural, and any plural term the singular. Whenever the words &ldquo;include,&rdquo;
&ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed followed by the words &ldquo;without
limitation.&rdquo; The word &ldquo;or&rdquo; shall not be exclusive and &ldquo;any&rdquo; means &ldquo;any and all.&rdquo; The
words &ldquo;hereby,&rdquo; &ldquo;herein,&rdquo; &ldquo;hereof,&rdquo; &ldquo;hereunder&rdquo; and similar terms refer to this
Agreement as a whole and not to any specific Section. All pronouns and any variations thereof refer to the masculine, feminine
or neuter, singular or plural, as the context may require. If a word or phrase is defined, the other grammatical forms of such
word or phrase have a corresponding meaning. A reference to a document, agreement or instrument also refers to all addenda, exhibits
or schedules thereto. A reference to any &ldquo;copy&rdquo; or &ldquo;copies&rdquo; of a document, agreement or instrument means
a copy or copies that are complete and correct. Unless otherwise specified in this Agreement, all accounting terms used in this
Agreement will be interpreted, and all accounting determinations under this Agreement will be made, in accordance with GAAP. Any
capitalized terms used in any schedule, Exhibit or Disclosure Memorandum but not otherwise defined therein shall have the meaning
set forth in this Agreement. All references to &ldquo;dollars&rdquo; or &ldquo;$&rdquo; in this Agreement are to United States
dollars. All references to &ldquo;the transactions contemplated by this Agreement&rdquo; (or similar phrases) include the transactions
provided for in this Agreement, including the Merger. Any Contract or Law defined or referred to herein or in any Contract that
is referred to herein means such Contract or Law as from time to time amended, modified or supplemented, including (in the case
of Contracts) by waiver or consent and (in the case of Law) by succession of comparable successor Law and references to all attachments
thereto and instruments incorporated therein. The term &ldquo;made available&rdquo; means any document or other information that
was (a) provided (whether by physical or electronic delivery) by one Party or its representatives to the other Party or its representatives
at least two Business Days prior to the date hereof, (b) included in the virtual data room (on a continuous basis without subsequent
modification) of a Party at least two Business Days prior to the date hereof, or (c) filed by a Party with the SEC and publicly
available on EDGAR at least two Business Days prior to the date hereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_109"></A>10.3. Expenses.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
Except as otherwise provided in this Section 10.3, each of the Parties shall bear and pay all direct costs and expenses incurred
by it or on its behalf in connection with the transactions contemplated hereunder, including filing, registration and application
fees, printing and mailing fees, and fees and expenses of its own financial or other consultants, investment bankers, accountants,
and counsel, except that each of the Parties shall bear and pay one-half of the filing fees payable in connection with the Registration
Statement and the Proxy Statement/Prospectus and printing costs incurred in connection with the printing of the Registration Statement
and the Proxy Statement/Prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Notwithstanding the foregoing, if:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 51.9pt"><FONT STYLE="font-size: 10pt">(i)
(A) either Seller or Buyer terminates this Agreement pursuant to (1) Section 9.1(b)(ii) or (2) Section 9.1(c), or (B) Buyer terminates
this Agreement pursuant to Section 9.1(e), and, in each case, within 12 months of such termination Seller shall either (x) consummate
an Acquisition Transaction or (y) enter into an Acquisition Agreement with respect to an Acquisition Transaction, whether or not
such Acquisition Transaction is subsequently consummated (provided that, for purposes of this Section 10.3(b)(i), each reference
to &ldquo;20%&rdquo; in the definition of Acquisition Transaction shall be deemed to be a reference to &ldquo;50%&rdquo;); or</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(ii)
Buyer shall terminate this Agreement pursuant to Section 9.1(d), then Seller shall pay to Buyer an amount equal to $22,750,000 (the &ldquo;<U>Termination
Fee</U>&rdquo;). If the Termination Fee shall be payable pursuant to subsection (i) of this Section 10.3(b), the Termination Fee shall
be paid in same-day funds at or prior to the earlier of the date of consummation of such Acquisition Transaction or the date of execution
of an Acquisition Agreement with respect to such Acquisition Transaction. If the Termination Fee shall be payable pursuant to subsection
(ii) of this Section 10.3(b), the Termination Fee shall be paid in same-day funds within two Business Days from the date of termination
of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
The payment of the Termination Fee by Seller pursuant to Section 10.3(b) constitutes liquidated damages and not a penalty, and
shall be the sole monetary remedy of Buyer, in the event of termination of this Agreement pursuant to Sections 9.1(b)(ii), 9.1(c),
9.1(d) or 9.1(e). The Parties acknowledge that the agreements contained in Section 10.3(b) are an integral part of the transactions
contemplated by this Agreement, and that without these agreements, they would not enter into this Agreement; accordingly, if Seller
fails to pay any fee payable by it pursuant to this Section 10.3 when due, then Seller shall pay to Buyer its costs and expenses
(including attorneys&rsquo; fees) in connection with collecting such fee, together with interest on the amount of the fee at the
prime rate of Citibank, N.A. from the date such payment was due under this Agreement until the date of payment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_110"></A>10.4. Entire
Agreement; No Third-Party Beneficiaries.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except
as otherwise expressly provided herein, this Agreement (including the Disclosure Memorandum of each of Seller and Buyer, the Exhibits,
the schedules, and the other documents and instruments referred to herein) together with the Confidentiality Agreement and the
Voting Agreements constitute the entire agreement between the Parties with respect to the transactions contemplated hereunder
and thereunder and supersedes all prior arrangements or understandings with respect thereto, written or oral. Nothing in this
Agreement (including the documents and instruments referred to herein) expressed or implied, is intended to confer upon any Person,
other than the Parties or their respective successors, any rights, remedies, obligations, or liabilities under or by reason of
this Agreement, other than as specifically provided in Section 7.9. The representations and warranties in this Agreement are the
product of negotiations among the Parties and are for the sole benefit of the Parties. Any inaccuracies in such representations
and warranties are subject to waiver by the Parties in accordance herewith without notice or liability to any other Person. In
some instances, the representations and warranties in this Agreement may represent an allocation among the Parties of risks associated
with particular matters regardless of the knowledge of any of the Parties. Consequently, Persons other than the Parties may not
rely upon the representations and warranties in this Agreement as characterizations of actual facts or circumstances as of the
date of this Agreement or as of any other date. Notwithstanding any other provision hereof to the contrary, no consent, approval
or agreement of any third-party beneficiary will be required to amend, modify to waive any provision of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_111"></A>10.5. Amendments.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">To
the extent permitted by Law, this Agreement may be amended by a subsequent writing signed by each of the Parties upon the approval
of each of the Parties, whether before or after the Seller Shareholder Approval has been obtained; provided, that after obtaining
the Seller Shareholder Approval, there shall be made no amendment that requires further approval by such Seller shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_112"></A>10.6.
Waivers.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At
any time prior to the Effective Time, the Parties, by action taken or authorized by their respective boards of directors, may,
to the extent permitted by Law, (a) extend the time for the performance of any of the obligations or other acts of the other Parties,
(b) waive any inaccuracies in the representations and warranties contained herein or in any document delivered pursuant hereto,
and (c) waive compliance with any of the</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"> agreements or satisfaction of any conditions contained herein; provided, that after the
Seller Shareholder Approval has been obtained, there may not be, without further approval of such shareholders, any extension
or waiver of this Agreement or any portion thereof that requires further approval under applicable Law. Any agreement on the part
of a Party to any such extension or waiver shall be valid only if set forth in a written instrument signed on behalf of such Party,
but such extension or waiver or failure to insist on strict compliance with an obligation, covenant, agreement or condition shall
not operate as a waiver of, or estoppel with respect to, any subsequent or other failure to comply with an obligation, covenant,
agreement or condition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_113"></A>10.7. Assignment.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except
as expressly contemplated hereby, neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned
by any Party (whether by operation of Law or otherwise) without the prior written consent of the other Party. Any purported assignment
in contravention hereof shall be null and void. Subject to the preceding sentences, this Agreement will be binding upon, inure
to the benefit of and be enforceable by the Parties and their respective successors and assigns.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_114"></A>10.8. Notices.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">All
notices or other communications which are required or permitted hereunder shall be in writing and sufficient if delivered by hand,
by registered or certified mail, postage pre-paid, or by courier or overnight carrier, or by email (with receipt confirmed) to
the persons at the addresses set forth below (or at such other address as may be provided hereunder), and shall be deemed to have
been delivered as of the date so delivered:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 20%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 30%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Buyer:</FONT></td>
    <TD STYLE="width: 50%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons First
    National Corporation</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">601 E. 3<SUP>rd</SUP>
    Street, 12<SUP>th</SUP> Floor</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Little Rock, Arkansas
    72201</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention: George Makris,
    Jr., Chairman and CEO</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: george.makris@simmonsbank.com</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">With a Copy to:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Simmons First National
    Corporation</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">601 E. 3<SUP>rd</SUP>
    Street, 12<SUP>th</SUP> Floor</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Little Rock, Arkansas
    72201</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention: George Makris
    III, EVP, General Counsel, &amp; Secretary</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: george.a.makris@simmonsbank.com</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Copy to Counsel:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Covington &amp; Burling
    LLP</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">One CityCenter</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">850 Tenth Street NW</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Washington, DC 20001</FONT></td></tr>

<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 20%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 30%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 50%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Facsimile
    Number: (202) 778-5986</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention: Frank M. Conner
    III</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: rconner@cov.com;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention: Christopher
    J. DeCresce</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: cdecresce@cov.com;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention: Charlotte May</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: cmay@cov.com</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Seller:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Spirit of Texas Bancshares,
    Inc.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1836 Spirit of Texas Way</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Conroe, Texas 77301</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention: Dean O. Bass,
    CEO</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: dbass@sotb.com</FONT></td></tr>
</TABLE>



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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 20%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 30%"><FONT STYLE="font-size: 10pt">Copy to Counsel:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 50%"><FONT STYLE="font-size: 10pt">Hunton Andrews Kurth LLP</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1445 Ross Avenue, Suite
    3700</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Dallas, Texas 75202</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Facsimile Number: (214)
    740-7182</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention: Peter G. Weinstock</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: pweinstock@huntonak.com</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Attention: Beth A. Whitaker</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email: bwhitaker@huntonak.com</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_115"></A>10.9. Governing
Law; Jurisdiction; Waiver of Jury Trial</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)
The Parties agree that this Agreement shall be governed by and construed in all respects in accordance with the Laws of the State
of Arkansas without regard to any conflict of Laws or choice of Law principles that might otherwise refer construction or interpretation
of this Agreement to the substantive Law of another jurisdiction (except that matters relating to the fiduciary duties of the
board of directors of Seller shall be subject to the Laws of the State of Texas).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)
Each Party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement
or the transactions contemplated hereby exclusively in any federal or state court of competent jurisdiction located in the State
of Arkansas (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely in connection with claims arising under this Agreement or the
transactions that are the subject of this Agreement, (i) irrevocably submits to the exclusive jurisdiction of the Chosen Courts,
(ii) waives any objection to laying venue in any such action or proceeding in the Chosen Courts, (iii) waives any objection that
the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party, and (iv) agrees that service of process
upon such party in any such action or proceeding will be effective if notice is given in accordance with Section 10.8.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)
EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED
AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT PERMITTED
BY APPLICABLE LAW, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY SUIT, ACTION OR OTHER PROCEEDING DIRECTLY
OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH PARTY CERTIFIES
AND ACKNOWLEDGES THAT: (I) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT
SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF ANY ACTION, SUIT OR PROCEEDING, SEEK TO ENFORCE THE FOREGOING WAIVER, (II) EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III) EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV) EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION
10.9.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_116"></A>10.10.
Counterparts; Signatures.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This
Agreement may be executed in two or more counterparts, each of which shall be deemed to be an original, but all of which together
shall constitute one and the same instrument. This Agreement and any signed agreement or instrument entered into in connection
with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by electronic means,
including by e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and respects as an original
agreement or instrument and shall be considered to have the same binding legal effect as if it were the original signed version
thereof delivered in person. No Party or to any such agreement or instrument shall raise the use of electronic means, including
e-mail delivery of a &ldquo;.pdf&rdquo; format data file, to make or deliver a signature to this Agreement or any amendment</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"> or
waiver hereto or any agreement or instrument entered into in connection with this Agreement or the fact that any signature or
agreement or instrument was made, transmitted or communicated through the use of electronic means, including e-mail delivery of
a &ldquo;.pdf&rdquo; format data file, as a defense to the formation of a contract and each Party forever waives any such defense.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_117"></A>10.11. Captions;
Articles and Sections.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
captions contained in this Agreement are for reference purposes only and are not part of this Agreement. Unless otherwise indicated,
all references to particular Articles or Sections shall mean and refer to the referenced Articles and Sections of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_118"></A>10.12. Interpretations.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither
this Agreement nor any uncertainty or ambiguity herein shall be construed or resolved against any Party, whether under any rule
of construction or otherwise. No Party shall be considered the draftsman. The Parties acknowledge and agree that this Agreement
has been reviewed, negotiated, and accepted by all Parties and their attorneys and, unless otherwise defined herein, the words
used shall be construed and interpreted according to their ordinary meaning so as fairly to accomplish the purposes and intentions
of all Parties.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_119"></A>10.13. Enforcement
of Agreement.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Parties agree that irreparable damage would occur in the event that any of the provisions of this Agreement was not performed
in accordance with its specific terms or was otherwise breached and that money damages would be both incalculable and an insufficient
remedy for any breach of this Agreement. It is accordingly agreed that the Parties shall be entitled, without the requirement
of posting bond, to an injunction or injunctions to prevent breaches of this Agreement and to enforce specifically the terms and
provisions hereof in any court of the United States or any state having jurisdiction, this being in addition to any other remedy
to which they are entitled at law or in equity. Each of the Parties waives any defense in any action for specific performance
that a remedy at law would be adequate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_120"></A>10.14.
Severability.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any
term or provision of this Agreement which is invalid or unenforceable in any jurisdiction shall, as to that jurisdiction, be ineffective
to the extent of such invalidity or unenforceability without rendering invalid or unenforceable the remaining terms and provisions
of this Agreement or affecting the validity or enforceability of any of the terms or provisions of this Agreement in any other
jurisdiction. If any provision of this Agreement is so broad as to be unenforceable, the provision shall be interpreted to be
only so broad as is enforceable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font-size: 10pt"><B><A NAME="i21655b_121"></A>10.15. Confidential
Supervisory Information.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notwithstanding
any other provision of this Agreement, no disclosure, representation or warranty shall be made (or other action taken) pursuant
to this Agreement that would involve the disclosure of confidential supervisory information as defined in 12 C.F.R. &sect; 261.2(b)
and as identified in 12 C.F.R. &sect; 309.5(g)(8) of a Regulatory Authority by any Party to the extent prohibited by applicable
Law. To the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances
in which the limitations of the preceding sentence apply.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><I>[Signatures
on following page.]</I></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>IN
WITNESS WHEREOF</B>, each of the Parties has caused this Agreement to be executed on its behalf by its duly authorized officers
as of the day and year first above written.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt"><B>SIMMONS
    FIRST NATIONAL CORPORATION</B></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 50%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 4%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 46%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">/s/
    George A. Makris, Jr.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: George A. Makris,
    Jr.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: Chairman and Chief
    Executive Officer</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>spirit
    of texas bancshares, inc. </B></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">/s/
    Dean O. Bass</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: Dean O. Bass</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: Chairman and Chief
    Executive Officer</FONT></td></tr>
</table>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt">[Signature Page
to Agreement and Plan of Merger]</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: right"><FONT STYLE="font-size: 10pt"><A NAME="annex_b"></A><B>Annex
B</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>FORM OF SUPPORT
AND NON-COMPETITION AGREEMENT</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This
SUPPORT AND NON-COMPETITION AGREEMENT, dated as of November 18, 2021 (this &ldquo;<U>Agreement</U>&rdquo;), by and among Simmons
First National Corporation, an Arkansas corporation (&ldquo;<U>Buyer</U>&rdquo;), Spirit of Texas Bancshares, Inc. (&ldquo;<U>Seller</U>&rdquo;),
a Texas corporation, and the undersigned [officer][director] (the &ldquo;<U>Individual</U>&rdquo;) of Seller.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>W I T N E
S E T H:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">WHEREAS,
concurrently with the execution of this Agreement, Buyer and Seller are entering into an Agreement and Plan of Merger, dated as
of the date hereof (as amended, supplemented, restated or otherwise modified from time to time, the &ldquo;<U>Merger Agreement</U>&rdquo;),
pursuant to which, among other things, Seller will merge with and into Buyer, with Buyer as the surviving corporation (the &ldquo;<U>Merger</U>&rdquo;);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">WHEREAS,
as of the date hereof, the Individual is a [officer][director] of Seller or Seller Bank and has Beneficial Ownership of, in the
aggregate, those shares of common stock, no par value, of Seller (&ldquo;<U>Seller Common Stock</U>&rdquo;) specified on Schedule
1 attached hereto, which, by virtue of the Merger, will be converted into the right to receive shares of common stock, $0.01 par
value per share, of Buyer (&ldquo;<U>Buyer Common Stock</U>&rdquo;), and therefore the Merger is expected to be of substantial
benefit to the Individual;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">WHEREAS,
as a material inducement to Buyer entering into the Merger Agreement, Buyer has requested that the Individual agree, and the Individual
has agreed, to enter into this Agreement and abide by the covenants and obligations set forth herein; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">WHEREAS,
other individuals, as a material inducement to Buyer entering into the Merger Agreement, will enter into and abide by the covenants
and obligations set forth in substantially similar support and non-competition agreements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">NOW
THEREFORE, in consideration of the foregoing and the mutual representations, warranties, covenants and agreements herein contained,
and intending to be legally bound hereby, the parties hereto agree as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>ARTICLE I</B><BR>
<B>General</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">1.1.
<U>Defined Terms</U>. The following capitalized terms, as used in this Agreement, shall have the meanings set forth below. Capitalized
terms used but not otherwise defined herein shall have the meanings ascribed thereto in the Merger Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Affiliate</U>&rdquo;
of a Person means any other Person directly, or indirectly through one or more intermediaries, controlling, controlled by or under
common control with such Person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Beneficial
Ownership</U>&rdquo; by a Person of any securities means ownership by any Person who, directly or indirectly, through any contract,
arrangement, understanding, relationship or otherwise, has or shares (i) voting power which includes the power to vote, or to
direct the voting of, such security; and/or (ii) investment power which includes the power to dispose, or to direct the disposition,
of such security; and shall otherwise be interpreted in accordance with the term &ldquo;beneficial ownership&rdquo; as defined
in Rule 13d-3 adopted by the Securities and Exchange Commission under the Securities Exchange Act of 1934, as amended; provided,
that for purposes of determining Beneficial Ownership, a Person shall be deemed to be the Beneficial Owner of any securities</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"> which
such Person has, at any time during the term of this Agreement, the right to acquire pursuant to any agreement, arrangement or
understanding or upon the exercise of conversion rights, exchange rights, warrants or options, or otherwise (irrespective of whether
the right to acquire such securities is exercisable immediately or only after the passage of time, including the passage of time
in excess of 60 days, the satisfaction of any conditions, the occurrence of any event or any combination of the foregoing). The
terms &ldquo;<U>Beneficially Own</U>&rdquo; and &ldquo;<U>Beneficially Owned</U>&rdquo; shall have a correlative meaning.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Business</U>&rdquo;
means the business of acting as a commercial, community or retail banking business, including but not limited to entities which
lend money and take deposits.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>control</U>&rdquo;
(including the terms &ldquo;<U>controlling</U>&rdquo;, &ldquo;<U>controlled by</U>&rdquo; and &ldquo;<U>under common control with</U>&rdquo;),
with respect to the relationship between or among two or more Persons, means the possession, directly or indirectly, of the power
to direct or cause the direction of the affairs or management of a Person, whether through the ownership of voting securities,
as trustee or executor, by Contract or any other means.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Constructive
Sale</U>&rdquo; means, with respect to any security, a short sale with respect to such security, entering into or acquiring an
offsetting derivative Contract with respect to such security, entering into or acquiring a futures or forward Contract to deliver
such security or entering into any other hedging or other derivative transaction that has the effect of either directly or indirectly
materially changing the economic benefits and risks of ownership of any security.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Covered
Shares</U>&rdquo; means, with respect to the Individual, the Individual&rsquo;s Existing Shares, together with any shares of Seller
Common Stock or other capital stock of Seller and any securities convertible into or exercisable or exchangeable for shares of
Seller Common Stock or other capital stock of Seller, in each case that the Individual acquires Beneficial Ownership of on or
after the date hereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Encumbrance</U>&rdquo;
means any security interest, pledge, mortgage, lien (statutory or other), charge, option to purchase, lease or other right to
acquire any interest or any claim, restriction, covenant, title defect, hypothecation, assignment, deposit arrangement or other
encumbrance of any kind or any preference, priority or other security agreement or preferential arrangement of any kind or nature
whatsoever (including any conditional sale or other title retention agreement), excluding restrictions under securities Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Existing
Shares</U>&rdquo; means, with respect to the Individual, all shares of Seller Common Stock Beneficially Owned by the Individual
as specified on <U>Schedule 1</U> hereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Permitted
Transfer</U>&rdquo; means a Transfer (i) as the result of the death of the Individual by the Individual to a descendant, heir,
executor, administrator, testamentary trustee, lifetime trustee or legatee of the Individual, (ii) Transfers to Affiliates (including
trusts) and family members in connection with estate and tax planning purposes, (iii) Transfers to any other shareholder and director
and/or executive officer of Seller who has executed a copy of this Agreement or a support and non-competition agreement identical
to this Agreement on the date hereof; and (iv) a surrender of Covered Shares to the Company in connection with the vesting, settlement
or exercise of Seller Stock Options or Seller Warrants to satisfy any withholding for the payment of taxes incurred in connection
with such vesting, settlement or exercise, or, in respect of Seller Stock Options, the exercise price thereon; provided, that
in each case prior to the effectiveness of such Transfer, such transferee executes and delivers to Buyer and Seller an agreement
that is identical to this Agreement or such other written agreement, in form and substance acceptable to Buyer and Seller, to
assume all of Individual&rsquo;s obligations hereunder in respect of the Covered Shares subject to such Transfer and to be bound
by the terms of this Agreement, with respect to the Covered Shares subject to such Transfer, to the same extent as the Individual
is bound hereunder and to make each of the representations and warranties hereunder in respect of the Covered Shares Transferred
as the Individual shall have made hereunder.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Person</U>&rdquo;
means a natural person or any legal, commercial or governmental entity, such as, but not limited to, a corporation, general partnership,
joint venture, limited partnership, limited liability company, limited liability partnership, trust, business association, group
acting in concert, or any person acting in a Representative capacity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Representatives</U>&rdquo;
means, with respect to any Person, any officer, director, employee, investment banker, financial or other advisor, attorney, auditor,
accountant, consultant, or other representative or agent of or engaged or retained by such Person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">[&ldquo;<U>Restricted
Period</U>&rdquo; has the meaning set forth in <U>Section 2.3(a)</U> hereof.]</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&ldquo;<U>Transfer</U>&rdquo;
means, with respect to any security, the direct or indirect assignment, sale, transfer, tender, exchange, pledge, hypothecation,
or the grant, creation or suffrage of an Encumbrance in or upon, or the gift, placement in trust, or the Constructive Sale or
other disposition of such security (including transfers by testamentary or intestate succession or otherwise by operation of Law)
or any right, title or interest therein (including, but not limited to, any right or power to vote to which the holder thereof
may be entitled, whether such right or power is granted by proxy or otherwise), or the record or Beneficial Ownership thereof,
the offer to make such a sale, transfer, Constructive Sale or other disposition, and each agreement, arrangement or understanding,
whether or not in writing, to effect any of the foregoing (other than a proxy for the purpose of voting the Individual&rsquo;s
Covered Shares in accordance with <U>Section 2.1</U> hereof).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>ARTICLE II</B><BR>
<B>COVENANTS OF INDIVIDUAL</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">2.1.
<U>Agreement to Vote</U>. The Individual hereby irrevocably and unconditionally agrees that during the term of this Agreement,
at Seller&rsquo;s Shareholders&rsquo; Meeting or at any other meeting of the shareholders of Seller, however called, including
any adjournment or postponement thereof, and in connection with any written consent of the shareholders of Seller, the Individual
shall, in each case to the fullest extent that such matters are submitted for the vote or written consent of the Individual and
that the Covered Shares are entitled to vote thereon or consent thereto:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)
appear at each such meeting or otherwise cause the Covered Shares as to which the Individual controls the right to vote to be
counted as present thereat for purposes of calculating a quorum; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)
vote (or cause to be voted), in person or by proxy, or deliver (or cause to be delivered) a written consent covering, all of the
Covered Shares as to which the Individual controls the right to vote:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(i)
in favor of the adoption and approval of the Merger Agreement and the consummation of the transactions contemplated thereby, including
the Merger, and any actions required in furtherance thereof;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(ii)
against any action or agreement that could result in a breach of any covenant, representation or warranty or any other obligation
of Seller under the Merger Agreement or of the Individual contained in this Agreement;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(iii)
against any Acquisition Proposal, without regard to the terms of such Acquisition Proposal; and</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(iv)
against any action, agreement, amendment to any agreement or organizational document, transaction, matter or proposal submitted
for the vote or written consent of the shareholders of Seller that is intended or would reasonably be expected to impede, interfere
with, prevent, delay, postpone, discourage, disable, frustrate the purposes of or adversely affect the Merger or the other transactions
contemplated by the Merger Agreement or this Agreement or the performance by Seller of its obligations under the Merger Agreement
or by the Individual of his or her obligations under this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">2.2.
<U>No Inconsistent Agreements</U>. The Individual hereby covenants and agrees that, except for this Agreement, the Individual
(a) has not entered into, and shall not enter into at any time while this Agreement remains in effect, any voting agreement or
voting trust or any other Contract with respect to the Covered Shares, (b) has not granted, and shall not grant at any time while
this Agreement remains in effect, a proxy, Consent or power of attorney with respect to the Covered Shares, (c) will not commit
any act, except for Permitted Transfers, that could restrict or affect his or her legal power, authority and right to vote any
of the Covered Shares then held of record or Beneficially Owned by the Individual or otherwise prevent or disable the Individual
from performing any of his or her obligations under this Agreement, and (d) has not taken and shall not take any action that would
make any representation or warranty of the Individual contained herein untrue or incorrect or have the effect of impeding, interfering
with, preventing, delaying, postponing, discouraging, disabling or adversely affecting the Individual&rsquo;s performance of any
of his or her obligations under this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">2.3.
<U>[Non-Competition</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)
The Individual hereby covenants and agrees that, for a period commencing on the Closing Date and terminating on the [first][second]
anniversary of the Closing Date (the &ldquo;<U>Restricted Period</U>&rdquo;), such Individual shall not within 50 miles of any
branch or other office of Seller or Seller Bank in operation as of the date of this Agreement, directly or indirectly, either
for him or herself or for any other Person other than for Buyer or its Affiliates, participate in any business (including, without
limitation, any division, group or franchise of a larger organization) that engages (or proposes to engage) in the Business; provided,
that if as of the date hereof the Individual holds not more than a 5% direct or indirect equity interest in such Person, then
the Individual may retain (but not increase) such ownership interest without being deemed to &ldquo;participate&rdquo; in the
Business conducted by such Person. For purposes of this Agreement, the term &ldquo;participate&rdquo; shall mean having more than
5% direct or indirect ownership interest in any Person, whether as a sole proprietor, investor, owner, equity holder, partner,
member, manager, joint venturer, creditor or otherwise, or rendering any direct or indirect service or assistance to any Person
(whether as a director, officer, manager, member, supervisor, employee, agent, consultant or otherwise), with respect to the Business.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)
The Individual covenants and agrees that during the Restricted Period, the Individual shall not directly or indirectly, as employee,
agent, consultant, director, equity holder, member, manager, partner or in any other capacity, without Buyer&rsquo;s prior written
consent (other than for the benefit of Buyer or its Affiliates), solicit, call upon, communicate with or attempt to communicate
(whether by mail, telephone, electronic mail, personal meeting or any other means, excluding general solicitations of the public
that are not based in whole or in part on any list of customers of Seller or any of its Affiliates, including Seller Bank) with
any Person that is or was a customer of Seller or any of its Affiliates (including Seller Bank) during the one-year period preceding
the Closing Date for the purpose of engaging in opportunities related to the Business or contracts related to the Business or,
except in the ordinary course of conducting the business described in <U>Schedule 2</U>, interfere with or damage (or attempt
to interfere with or damage) any relationship between Seller or its Affiliates (including Seller Bank) and any such customers.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)
The Individual covenants and agrees that during the Restricted Period, such Individual shall not directly or indirectly, as employee,
agent, consultant, director, equity holder, member, manager, partner or in any other capacity, without Buyer&rsquo; prior written
consent, employ, engage, recruit, hire, solicit or induce, or cause others to solicit or induce, for employment or engagement,
any employee of Seller or its Affiliates (including Seller Bank) (excluding general solicitations of the public that are not based
on any list of, or directed at, employees of Seller or its Affiliates (including Seller Bank)).]</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>ARTICLE III</B><BR>
<B>REPRESENTATIONS AND WARRANTIES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">3.1.
<U>Representations and Warranties of the Individual</U>. The Individual hereby represents and warrants to Seller and Buyer as
follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)
<U>Organization; Authorization; Validity of Agreement; Necessary Action</U>. The Individual has the requisite power, capacity
and authority to execute and deliver this Agreement, to perform his or her obligations hereunder and to consummate the transactions
contemplated hereby. This Agreement has been duly and validly executed and delivered by the Individual and, assuming this Agreement
constitutes a valid and binding obligation of the other parties hereto, constitutes a legal, valid and binding obligation of the
Individual, enforceable against him or her in accordance with its terms (except as may be limited by the Bankruptcy and Equity
Exceptions).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)
<U>Ownership</U>. Except for the Covered Shares, the Individual is not the Beneficial Owner or registered owner of any other shares
of Seller Common Stock or rights to acquire Seller Common Stock. The Existing Shares are, and all of the Covered Shares owned
by the Individual from the date hereof through and on the Closing Date will be, Beneficially Owned and owned of record by the
Individual except to the extent such Covered Shares are Transferred after the date hereof pursuant to a Permitted Transfer. From
the date hereof through and on the Closing Date, the Individual has and will have good and marketable title to the Existing Shares,
free and clear of any Encumbrances (other than any restrictions created by this Agreement). As of the date hereof, and except
for those Existing Shares expressly disclosed on <U>Schedule 1 as solely held by the Individual&rsquo;s spouse or parent that
are deemed beneficially owned by the Individual</U>, the Individual has and will have at all times through the Closing Date sole
voting power (including the right to control such vote as contemplated herein), sole power of disposition, sole power to issue
instructions with respect to the matters set forth in ARTICLE II hereof, and sole power to agree to all of the matters set forth
in this Agreement, in each case with respect to all of the Individual&rsquo;s Existing Shares and with respect to all of the Covered
Shares owned by the Individual at all times through the Closing Date, subject to Section 6.157 of the TBOC. The Individual has
possession of an outstanding certificate or outstanding certificates representing all of the Covered Shares (other than Covered
Shares held in book-entry form) and such certificate or certificates does or do not contain any legend or restriction inconsistent
with the terms of this Agreement, the Merger Agreement or the transactions contemplated hereby and thereby.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)
<U>No Violation</U>. The execution and delivery of this Agreement by the Individual does not, and the performance by the Individual
of his or her obligations under this Agreement and the consummation by him or her of the transactions contemplated hereby will
not, (i) conflict with or violate, or require any Consent pursuant to any Law or Order applicable to the Individual or by which
any of his or her Assets is bound, or (ii) conflict with, result in any Default, require any Consent pursuant to or result in
the creation of any Encumbrance on the Assets of the Individual pursuant to, any Contract to which the Individual is a party or
by which the Individual or any of his or her Assets or Covered Shares are bound.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(d)
<U>Consents and Approvals</U>. No Consent of the Individual&rsquo;s spouse is necessary under any &ldquo;community property&rdquo;
or other Laws in order for the Individual to enter into and perform his or her obligations under this Agreement.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(e)
<U>Legal Proceedings</U>. There is no Litigation pending or, to the knowledge of the Individual, threatened against or affecting
the Individual or any of his or her Affiliates that could reasonably be expected to impair the ability of the Individual to perform
his or her obligations hereunder or to consummate the transactions contemplated hereby on a timely basis.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(f)
<U>Reliance by Buyer</U>. The Individual understands and acknowledges that Buyer is entering into the Merger Agreement in reliance
upon the Individual&rsquo;s execution and delivery of this Agreement and the representations and warranties of Individual contained
herein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>ARTICLE IV</B><BR>
<B>OTHER COVENANTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.1.
<U>Prohibition on Transfers; Other Action</U>s.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)
Until the earlier of the receipt of the Seller Shareholder Approval or the date on which the Merger Agreement is terminated in
accordance with its terms, the Individual hereby agrees not to (i) Transfer any of the Covered Shares or any other interest specifically
in the Covered Shares unless such Transfer is a Permitted Transfer; (ii) enter into any Contract with any Person, or take any
other action, that violates or conflicts with or would reasonably be expected to violate or conflict with, or result in or give
rise to a violation of or conflict with, the Individual&rsquo;s representations, warranties, covenants and obligations under this
Agreement; (iii) except as otherwise permitted by this Agreement or by Order, take any action that could restrict or otherwise
affect the Individual&rsquo;s legal power, authority and right to vote all of the Covered Shares then Beneficially Owned by him
or her in accordance with this Agreement, or otherwise comply with and perform his or her covenants and obligations under this
Agreement; or (iv) publicly announce any intention to do any of the foregoing. Any Transfer in violation of this provision shall
be void. Following the date hereof, Seller shall notify its transfer agent that there is a stop transfer order with respect to
all of the Covered Shares until the termination of this Agreement and that this Agreement places limits on the voting of the Covered
Shares subject to the provisions of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)
The Individual understands and agrees that if the Individual attempts to Transfer, vote or provide any other Person with the authority
to vote any of the Covered Shares other than in compliance with this Agreement, Seller shall not, and the Individual hereby unconditionally
and irrevocably instructs Seller to not (i) permit such Transfer on its books and records, (ii) issue a new certificate representing
any of the Covered Shares, or (iii) record such vote unless and until the Individual shall have complied with the terms of this
Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)
<U>Statements</U>. The Individual shall not make any statement, written or oral, to the effect that he or she does not support
the Merger or that other shareholders of Seller should not support the Merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.2.
<U>Certain Events</U>. The Individual agrees that this Agreement and the obligations hereunder shall attach to the Covered Shares
and shall be binding upon any Person to which legal or Beneficial Ownership of the Covered Shares shall pass, whether by operation
of Law or otherwise, including the Individual&rsquo;s successors or assigns. In the event of a stock split, stock dividend, merger
(other than the Merger), exchange, reorganization, recapitalization or distribution, or any change in the capital structure of
Seller affecting the Seller Common Stock, the terms &ldquo;Existing Shares&rdquo; and &ldquo;Covered Shares&rdquo; shall be deemed
to refer to and include such shares as well as all such additional securities of Seller and any securities into which or for which
any or all of such securities may be changed or exchanged or which are received in such transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.3.
<U>Notice of Acquisitions, etc</U>. The Individual hereby agrees to notify Seller as promptly as practicable (and in any event
within two Business Days after receipt) in writing of (i) the number of any additional shares of Seller Common Stock or other
securities of Seller of which the Individual acquires Beneficial Ownership on or after the date hereof and (ii) any proposed Permitted
Transfers of the Covered Shares, Beneficial Ownership thereof or other interest specifically therein.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.4.
<U>Non-Solicit</U>. In his or her capacity as a shareholder of Seller, and not in his or her capacity as a [director][officer]
of Seller, the Individual shall not, and shall use his or her reasonable best efforts to cause his or her Affiliates and each
of their respective Representatives not to, directly or indirectly, (a) solicit, initiate, encourage (including by providing information
or assistance), facilitate or induce any Acquisition Proposal, (b) engage or participate in any discussions or negotiations regarding,
or furnish or cause to be furnished to any Person any information or data in connection with, or take any other action to facilitate
any inquiries or the making of any offer or proposal that constitutes, or may reasonably be expected to lead to, an Acquisition
Proposal, (c) adopt, approve, agree to, accept, endorse or recommend any Acquisition Proposal, (d) solicit proxies or become a
&ldquo;participant&rdquo; in a &ldquo;solicitation&rdquo; (as such terms are defined in the Exchange Act) with respect to an Acquisition
Proposal or otherwise encourage or assist any party in taking or planning any action that would reasonably be expected to compete
with, restrain or otherwise serve to interfere with or inhibit the timely consummation of the Merger in accordance with the terms
of the Merger Agreement, (e) initiate a shareholders&rsquo; vote or action by consent of Seller&rsquo;s shareholders with respect
to an Acquisition Proposal, (f) except by reason of this Agreement, become a member of a &ldquo;group&rdquo; (as such term is
used in Section 13(d) of the Exchange Act) with respect to any voting securities of Seller that takes any action in support of
an Acquisition Proposal, or (g) approve, endorse, recommend, agree to or accept, or propose to approve, endorse, recommend, agree
to or accept, any Acquisition Agreement contemplating or otherwise relating to any Acquisition Transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.5.
<U>Waiver of Appraisal Rights</U>. To the fullest extent permitted by applicable Law, the Individual hereby waives any rights
of appraisal he or she may have under applicable Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">4.6.
<U>Further Assurances</U>. From time to time, at the request of Buyer and Seller and without further consideration, the Individual
shall execute and deliver such additional documents and take all such further action as may be reasonably necessary to effect
the actions and consummate the transactions contemplated by this Agreement. Without limiting the foregoing, the Individual hereby
authorizes Buyer and Seller to publish and disclose in any announcement or disclosure related to the Merger Agreement, including
the Proxy Statement/Prospectus, the Individual&rsquo;s identity and Beneficial Ownership of the Covered Shares and the nature
of the Individual&rsquo;s obligations under this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>ARTICLE V</B><BR>
<B>MISCELLANEOUS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.1.
<U>Termination</U>. This Agreement shall remain in effect until the earlier to occur of (a) the Closing and (b) the date of termination
of the Merger Agreement in accordance with its terms; provided, that [(i) if the Closing occurs, the provisions of <U>Section
2.3</U> shall survive until the end of the Restricted Period, and (ii)] the provisions of ARTICLE V shall survive any termination
of this Agreement. Nothing in this <U>Section 5.1</U> and no termination of this Agreement shall relieve or otherwise limit any
party of liability for fraud, or willful or intentional breach of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.2.
<U>No Ownership Interest</U>. Nothing contained in this Agreement shall be deemed to vest in Buyer or Seller any direct or indirect
ownership or incidence of ownership of or with respect to any Covered Shares. All rights, ownership and economic benefits of and
relating to the Covered Shares, if any, shall remain vested in and belong to the Individual, and Buyer or Seller shall not have
any authority to direct the Individual in the voting or disposition of any of the Covered Shares, except as otherwise provided
herein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.3.
<U>Notices</U>. All notices or other communications which are required or permitted hereunder shall be in writing and sufficient
if delivered by hand, by registered or certified mail, postage pre-paid, or by courier or overnight carrier, or by email (with
receipt confirmed) to the persons at the addresses set forth below (or at such other address as may be provided hereunder), and
shall be deemed to have been delivered as of the date so delivered:</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)
Buyer:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Simmons
First National Corporation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">601
E. 3rd Street, 12th Floor</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Little
Rock, Arkansas 72201</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Attention:
George Makris, Jr., Chairman and CEO</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Email:
george.makris@simmonsbank.com</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">with
a copy to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Simmons
First National Corporation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">601
E. 3<SUP>rd</SUP> Street, 12<SUP>th</SUP> Floor</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Little
Rock, Arkansas 72201</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Attention:
George Makris III, EVP, General Counsel, &amp; Secretary</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Email:
george.a.makris@simmonsbank.com</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Copy
to counsel:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Covington
&amp; Burling LLP</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">One
CityCenter</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">850
Tenth Street, NW</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Washington,
DC 20001</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Facsimile
Number: (202) 778-5988</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Attention:
Frank M. Conner III</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Email:
rconner@cov.com;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Attention:
Christopher J. DeCresce</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Email:
cdecresce@cov.com;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Attention:
Charlotte May</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Email:
cmay@cov.com</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)
Seller:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Spirit
of Texas Bancshares, Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">1836
Spirit of Texas Way</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Conroe,
Texas 77301</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Attention:
Dean O. Bass, Chairman and Chief Executive Officer</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Email:
dbass@sotb.com</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Copy
to Counsel:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Hunton
Andrews Kurth LLP</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">1445
Ross Avenue, Suite 3700</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Dallas,
Texas 75202</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Facsimile
Number: (214) 740-7182</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Attention:
Peter G. Weinstock</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Email:
pweinstock@huntonak.com</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Attention:
Beth A. Whitaker</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">Email:
bwhitaker@huntonak.com</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)
if to the Individual, to those persons indicated on <U>Schedule 1</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.4.
<U>Interpretation</U>. Neither this Agreement nor any uncertainty or ambiguity herein shall be construed or resolved against any
party hereto, whether under any rule of construction or otherwise. No party to this Agreement shall be considered the draftsman.
The parties hereto acknowledge and agree that this Agreement has been reviewed, negotiated, and accepted by all parties hereto
and their attorneys and, unless otherwise defined herein, the words used shall be construed and interpreted according to their
ordinary meaning so as fairly to accomplish the purposes and intentions of all parties hereto. Section headings of this Agreement
are for reference purposes only and are to be given no effect in the construction or interpretation of this Agreement. All pronouns
and any variations thereof refer to the masculine, feminine or neuter, singular or plural, as the context may require. Whenever
the words &ldquo;include,&rdquo; &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed
to be followed by the words &ldquo;without limitation.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.5.
<U>Counterparts; Signatures</U>. This Agreement may be executed in two or more counterparts, each of which shall be deemed to
be an original, but all of which together shall constitute one and the same instrument. This Agreement and any signed agreement
or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed
and delivered by means of a facsimile machine or by e-mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated
in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect
as if it were the original signed version thereof delivered in person. No Party or to any such agreement or instrument shall raise
the use of a facsimile machine or e-mail delivery of a &ldquo;.pdf&rdquo; format data file to deliver a signature to this Agreement
or any amendment or waiver hereto or any agreement or instrument entered into in connection with this Agreement or the fact that
any signature or agreement or instrument was transmitted or communicated through the use of a facsimile machine or e-mail delivery
of a &ldquo;.pdf&rdquo; format data file as a defense to the formation of a contract and each Party forever waives any such defense.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.6.
<U>Entire Agreement</U>. This Agreement and, to the extent referenced herein, the Merger Agreement, together with the several
agreements and other documents and instruments referred to herein or therein or annexed hereto or thereto, constitute the entire
agreement between the parties hereto with respect to the transactions contemplated hereunder and thereunder and supersede all
prior arrangements or understandings with respect thereto, written or oral[; provided that with respect to the subject matter
contained in Section 2.3 of this Agreement, this Agreement shall supplement, and shall not supersede or in any way diminish, any
prior agreements, arrangements or understandings, and this Agreement and all such other agreements, arrangements, and understandings
shall remain in full force and effect, independent of one another].</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.7.
<U>Governing Law; Jurisdiction; Waiver of Jury Trial</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(a)
The parties hereto agree that this Agreement shall be governed by and construed in all respects in accordance with the Laws of
the State of Arkansas without regard to any conflict of Laws or choice of Law principles that might otherwise refer construction
or interpretation of this Agreement to the substantive Law of another jurisdiction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)
Each party hereto agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this
Agreement or the transactions contemplated hereby exclusively in any federal or state court of competent jurisdiction located
in the State of Arkansas (the &ldquo;<U>Chosen Courts</U>&rdquo;), and, solely in connection with claims arising under this Agreement
or the transactions that are the subject of this Agreement, (i) irrevocably submits to the exclusive jurisdiction of the Chosen
Courts, (ii) waives any objection to laying venue in any such action or proceeding in the Chosen Courts, (iii) waives any objection
that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party, and (iv) agrees that service of process
upon such party in any such action or proceeding will be effective if notice is given in accordance with <U>Section 5.3</U>.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">(c)
EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED
AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT PERMITTED
BY APPLICABLE LAW, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY SUIT, ACTION OR OTHER PROCEEDING DIRECTLY
OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH PARTY CERTIFIES
AND ACKNOWLEDGES THAT: (I) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT
SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF ANY ACTION, SUIT OR PROCEEDING, SEEK TO ENFORCE THE FOREGOING WAIVER, (II) EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III) EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV) EACH
PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION
5.7</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.8.
<U>Amendment; Waiver</U>. To the extent permitted by Law, this Agreement may be amended or waived by a subsequent writing signed
by each of the parties hereto upon the approval of each of the parties hereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.9.
<U>Enforcement of Agreement</U>. The parties hereto agree that irreparable damage would occur in the event that any of the provisions
of this Agreement was not performed in accordance with its specific terms or was otherwise breached and that money damages would
be both incalculable and an insufficient remedy for any breach of this Agreement. It is accordingly agreed that the parties hereto
shall be entitled, without the requirement of posting bond, to an injunction or injunctions to prevent breaches of this Agreement
and to enforce specifically the terms and provisions hereof in any court of the United States or any state having jurisdiction,
this being in addition to any other remedy to which they are entitled at law or in equity. Each of the parties hereto waives any
defense in any action for specific performance that a remedy at law would be adequate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.10.
<U>Severability</U>. Any term or provision of this Agreement which is invalid or unenforceable in any jurisdiction shall, as to
that jurisdiction, be ineffective to the extent of such invalidity or unenforceability without rendering invalid or unenforceable
the remaining terms and provisions of this Agreement or affecting the validity or enforceability of any of the terms or provisions
of this Agreement in any other jurisdiction. If any provision of this Agreement is so broad as to be unenforceable, the provision
shall be interpreted to be only so broad as is enforceable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.11.
<U>Assignment</U>. Except as expressly contemplated hereby, neither this Agreement nor any of the rights, interests or obligations
hereunder shall be assigned by any party hereto (whether by operation of Law or otherwise) without the prior written consent of
the other parties hereto. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentences,
this Agreement will be binding upon, inure to the benefit of and be enforceable by the parties hereto and their respective successors
and assigns.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.12.
<U>No Third Party Beneficiaries</U>. Nothing in this Agreement (including the documents and instruments referred to herein) expressed
or implied, is intended to confer upon any Person, other than the parties hereto or their respective successors, any rights, remedies,
obligations, or liabilities under or by reason of this Agreement. The representations and warranties in this Agreement are the
product of negotiations among the parties hereto and are for the sole benefit of the parties hereto. Any inaccuracies in such
representations and warranties are subject to waiver by the parties hereto in accordance herewith without notice or liability
to any other Person. In some instances, the representations and warranties in this Agreement may represent an allocation among
the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties hereto. Consequently,
Persons other than the parties hereto may not rely upon the representations and warranties in this Agreement as characterizations
of actual facts or circumstances as of the date of this Agreement</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"> or as of any other date. Notwithstanding any other provision
hereof to the contrary, no Consent, approval or agreement of any third party beneficiary will be required to amend, modify to
waive any provision of this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">5.13.
<U>Individual Capacity</U>. The Individual is signing this Agreement solely in his or her capacity as a Beneficial Owner of Seller
Common Stock, and nothing herein shall prohibit, prevent or preclude the Individual from taking or not taking any action in the
Individual&rsquo;s capacity as an [officer][director] of Seller to the extent permitted by the Merger Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt">[Remainder of
this page intentionally left blank]</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">IN
WITNESS WHEREOF, the parties hereto have caused this Agreement to be signed (where applicable, by their respective officers or
other authorized Person thereunto duly authorized) as of the date first written above.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>SIMMONS
    FIRST NATIONAL CORPORATION</B></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 50%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 3%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 47%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>SPIRIT
    OF TEXAS BANCSHARES, INC.</B></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>INDIVIDUAL</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B></B></FONT></P></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt">[<I>Signature
Page to Support Agreement</I>]</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt"><U>Schedule
1</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Number of Existing
Shares and Notice Information</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: bottom; width: 49%; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt; text-align: center"><FONT STYLE="font-size: 10pt">Name</FONT></td>
    <TD STYLE="vertical-align: top; width: 1%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 50%; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt; text-align: center"><FONT STYLE="font-size: 10pt">Existing
    Shares</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Address for notice:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 10%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></td>
    <TD STYLE="width: 1%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 38%; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 51%; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Street:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">City, State:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">ZIP Code:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Telephone:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Fax:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Email:</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><U>Schedule
2</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">[None.]</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: right"><A NAME="annex_c"></A><FONT STYLE="font-size: 10pt"><B>Annex
C</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right;"><IMG SRC="i21655005.jpg" ALT="(LOGO)"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">November 18,
2021</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Board of Directors</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Spirit of Texas
Bancshares, Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">1836 Spirit
of Texas Way</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Conroe, Texas
77301</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Dear Members
of the Board:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
have acted as your financial advisor in connection with the proposed merger of Spirit of Texas Bancshares, Inc. (the &ldquo;Company&rdquo;)
with and into Simmons First National Corporation (the &ldquo;Buyer&rdquo;) (collectively, the &ldquo;Transaction&rdquo;). You
have requested that we provide our opinion (the &ldquo;Opinion&rdquo;) as investment bankers as to whether the consideration to
be received in the Transaction by the common stockholders of the Company (solely in their capacity as such, the &ldquo;Shareholders&rdquo;)
is fair to them from a financial point of view.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Pursuant
to the Agreement and Plan of Merger (the &ldquo;Agreement&rdquo;) to be entered into by and between the Company and the Buyer,
and subject to the terms, conditions and limitations set forth therein, we understand that collectively the Shareholders and restricted
stock unit holders are expected, in exchange for the outstanding common stock and restricted stock units of the Company, to receive
approximately 17.9 million shares of the Buyer&rsquo;s common stock, which is being calculated based upon an agreed maximum number
of such shares (18,325,000 shares) reduced by a number of shares the value of which equals the cash (expected to be approximately
$15 million) to be paid to owners of outstanding options and warrants issued by the Company, subject to other potential adjustments
as described in the Agreement. The terms and conditions of the Transaction are more fully set forth in the Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
connection with developing our Opinion we have:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(i)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         certain publicly available financial statements and reports regarding the Company and
                                         the Buyer;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(ii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         certain audited financial statements regarding the Company and the Buyer;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(iii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         certain internal financial statements, management reports and other financial and operating
                                         data concerning the Company and the Buyer prepared by management of the Company and the
                                         Buyer, respectively;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(iv)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed,
                                         on a pro forma basis, in reliance upon consensus research estimates and upon financial
                                         projections and other information and assumptions concerning the Company and the Buyer,
                                         provided by the management teams of the Company and the Buyer, respectively, the effect
                                         of the Transaction on the balance sheet, capitalization ratios, earnings and tangible
                                         book value both in the aggregate and, where applicable, on a per share basis of the Buyer;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(v)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         the reported prices and trading activity for the common stock of the Company and the
                                         Buyer;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(vi)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">compared
                                         the financial performance of the Company and the Buyer with that of certain other publicly-traded
                                         companies and their securities that we deemed relevant to our analysis of the Transaction;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(vii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         the financial terms, to the extent publicly available, of certain merger or acquisition
                                         transactions that we deemed relevant to our analysis of the Transaction;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(viii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">reviewed
                                         the most recent draft of the Agreement and related documents provided to us by the Company;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(ix)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">discussed
                                         with management of the Company the operations of and future business prospects for the
                                         Company and the Buyer and the anticipated financial consequences of the Transaction to
                                         the Company and the Buyer;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(x)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">assisted
                                         in your deliberations regarding the material terms of the Transaction and your negotiations
                                         with the Buyer; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(xi)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">performed
                                         such other analyses and provided such other services as we have deemed appropriate.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
have relied on the accuracy and completeness of the information, financial data and financial forecasts provided to us by the
Company and the Buyer and of the other information reviewed by us in connection with the preparation of our Opinion, and our Opinion
is based upon such information. We have not independently verified or undertaken any responsibility to independently verify the
accuracy or completeness of any of such information, data or forecasts. The managements of the Company and the Buyer have assured
us that they are not aware of any relevant information that has been omitted or remains undisclosed to us. We have not assumed
any responsibility for making or undertaking an independent evaluation or appraisal of any of the assets or liabilities of the
Company or of the Buyer, and we have not been furnished with any such evaluations or appraisals; nor have we evaluated the solvency
or fair value of the Company or of the Buyer under any laws relating to bankruptcy, insolvency or similar matters. We have not
assumed any obligation to conduct any physical inspection of the properties, facilities, assets or liabilities (contingent or
otherwise) of the Company or Buyer. We have not received or reviewed any individual loan or credit files nor have we made an independent
evaluation of the adequacy of the allowance for loan and lease losses of the Company or the Buyer. We have not made an independent
analysis of the effects of the COVID-19 pandemic or related market developments or disruptions, or of any other disaster or adversity,
on the business or prospects of the Company or the Buyer. With respect to the financial forecasts prepared by the Company and
the Buyer, including the forecasts of potential cost savings and potential synergies, we have also assumed that such financial
forecasts have been reasonably prepared and reflect the best currently available estimates and judgments of the managements of
the Company and the Buyer as to the future financial performance of the Company and the Buyer and provide a reasonable basis for
our analysis. We recognize that such financial forecasts are based on numerous variables, assumptions and judgments that are inherently
uncertain (including, without limitation, factors related to general economic and competitive conditions) and that actual results
could vary significantly from such forecasts, and we express no opinion as to the reliability of such financial projections and
estimates or the assumptions upon which they are based.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As
part of our investment banking business, we regularly issue fairness opinions and are continually engaged in the valuation of
companies and their securities in connection with business reorganizations, private placements, negotiated underwritings, mergers
and acquisitions and valuations for estate, corporate and other purposes. We are familiar with the Company. We issue periodic
research reports regarding the business activities and prospects of the Company, and we make a market in the common stock of the
Company. We have not received fees for providing investment banking or other services to the Company within the past two years;
however, just over two years ago, we served as financial advisor to the Company in connection with its acquisition of Chandler
Bancorp, Inc., for which we received customary fees. We serve as financial adviser to the</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt"> Company in connection with the Transaction,
and we are entitled to receive from the Company reimbursement of our expenses and a fee for our services as financial adviser
to the Company, a significant portion of which is contingent upon the consummation of the Transaction. We are also entitled to
receive a fee from the Company for providing our Opinion to the Board of Directors of the Company. The Company has also agreed
to indemnify us for certain liabilities arising out of our engagement, including certain liabilities that could arise out of our
providing this Opinion letter. We expect to pursue future investment banking services assignments with the participants in this
Transaction. In the ordinary course of business, Stephens Inc. and its affiliates and employees at any time may hold long or short
positions, and may trade or otherwise effect transactions as principal or for the accounts of customers, in debt, equity or derivative
securities of any participants in the Transaction. We are also familiar with the Buyer. We regularly provide investment banking
and other services to the Buyer and have received customary fees from the Buyer for providing such services within the past two
years. We issue periodic research reports regarding the business activities and prospects of the Buyer, and we make a market in
the common stock of the Buyer. During the two years preceding the date of this letter, we served as financial advisor to the Buyer
in connection with its acquisitions of Landmark Community Bank and Triumph Bancshares, Inc. and the sale by the Buyer of five
locations to the Company, and we received customary fees in connection with such transactions, and, just over two years ago, we
served as financial advisor to the Buyer in connection with its acquisition of Landrum Company, for which we also received customary
fees.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
are not legal, accounting, regulatory, or tax experts, and we have relied solely, and without independent verification, on the
assessments of the Company and its other advisors with respect to such matters. We have assumed, with your consent, that the Transaction
will not result in any materially adverse legal, regulatory, accounting or tax consequences for the Company or its shareholders
and that any reviews of legal, accounting, regulatory or tax issues conducted as a result of the Transaction will be resolved
favorably to the Company and its shareholders. We do not express any opinion as to any tax or other consequences that might result
from the Transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Opinion is necessarily based upon market, economic and other conditions as they exist and can be evaluated on the date hereof,
and on the information made available to us as of the date hereof. It should be understood that subsequent developments may affect
this Opinion and that we do not have any obligation to update, revise or reaffirm this Opinion or otherwise comment on events
occurring after the date hereof. We further note that the current volatility and disruption in the credit and financial markets
relating to, among other things, the COVID-19 pandemic, may or may not have an effect of the Company or the Buyer, and we are
not expressing an opinion as to the effects of such volatility or such disruption on the Transaction or any party to the Transaction.
We further express no opinion as to the prices at which shares of the Buyer&rsquo;s or Company&rsquo;s common stock may trade
at any time subsequent to the announcement of the Transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
connection with developing this Opinion, we have assumed that, in all respects material to our analyses:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(viii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Transaction and any related transactions will be consummated on the terms of the latest
                                         draft of the Agreement provided to us, without material waiver or modification;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(ix)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         representations and warranties of each party in the Agreement and in all related documents
                                         and instruments referred to in the Agreement are true and correct;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(x)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">each
                                         party to the Agreement and all related documents will perform all of the covenants and
                                         agreements required to be performed by such party under such documents;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(xi)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">all
                                         conditions to the completion of the Transaction will be satisfied within the time frames
                                         contemplated by the Agreement without any waivers;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(xii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">that
                                         in the course of obtaining the necessary regulatory, lending or other consents or approvals
                                         (contractual or otherwise) for the Transaction and any related transactions, no restrictions,
                                         including any divestiture requirements or amendments or modifications, will be imposed
                                         that would have a material adverse effect on the contemplated benefits of the Transaction
                                         to the Shareholders;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(xiii)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">there
                                         has been no material change in the assets, liabilities, financial condition, results
                                         of operations, business or prospects of the Company or the Buyer since the date of the
                                         most recent financial statements made available to us, and that no legal, political,
                                         economic, regulatory or other development has occurred that will adversely impact the
                                         Company or the Buyer; and</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(xiv)</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Transaction will be consummated in a manner that complies with applicable law and regulations.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This
Opinion is directed to, and is for the use and benefit of, the Board of Directors of the Company (in its capacity as such) solely
for purposes of assisting with its evaluation of the Transaction. Our Opinion does not address the merits of the underlying decision
by the Company to engage in the Transaction, the merits of the Transaction as compared to other alternatives potentially available
to the Company or the relative effects of any alternative transaction in which the Company might engage, nor is it intended to
be a recommendation to any person or entity as to any specific action that should be taken in connection with the Transaction,
including with respect to how to vote or act with respect to the Transaction. This Opinion is not intended to confer any rights
or remedies upon any other person or entity. In addition, except as explicitly set forth in this letter, you have not asked us
to address, and this Opinion does not address, the fairness to, or any other consideration of, the holders of any class of securities,
creditors or other constituencies of the Company. We have not been asked to express any opinion, and do not express any opinion,
as to the fairness of the amount or nature of the compensation to any of the Company&rsquo;s officers, directors or employees,
or to any group of such officers, directors or employees, whether relative to the compensation to other shareholders of the Company
or otherwise.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our
Fairness Opinion Committee has approved the Opinion set forth in this letter. Neither this Opinion nor its substance may be disclosed
by you to anyone other than your advisors without our written permission. Notwithstanding the foregoing, this Opinion and a summary
discussion of our underlying analyses and role as financial adviser to the Company may be included in communications to shareholders
of the Company, provided that this Opinion letter is reproduced in its entirety, and we approve of the content of such disclosures
prior to any filing, distribution or publication of such shareholder communications and prior to distribution of any amendments
thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based
on the foregoing and our general experience as investment bankers, and subject to the limitations, assumptions and qualifications
stated herein, we are of the opinion, on the date hereof, that the consideration to be received by the Shareholders in the Transaction
is fair to them from a financial point of view.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Very truly yours,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">STEPHENS INC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">/s/ STEPHENS
INC.</FONT></P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: right"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B><A NAME="annex_d"></A>a</B></FONT><B><FONT STYLE="font-size: 10pt">nnex
<FONT STYLE="text-transform: uppercase">D</FONT></FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>DISSENTERS&rsquo;
RIGHTS PROVISIONS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>TITLE
1 OF THE TEXAS BUSINESS ORGANIZATIONS CODE</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>CHAPTER
10. MERGERS, INTEREST EXCHANGES,</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>CONVERSIONS,
AND SALES OF ASSETS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>SUBCHAPTER
H. RIGHTS OF DISSENTING OWNERS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Sec.
10.351. APPLICABILITY OF SUBCHAPTER</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) This
subchapter does not apply to a fundamental business transaction of a domestic entity if, immediately before the effective date
of the fundamental business transaction, all of the ownership interests of the entity otherwise entitled to rights to dissent
and appraisal under this code are held by one owner or only by the owners who approved the fundamental business transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) This
subchapter applies only to a &ldquo;domestic entity subject to dissenters&rsquo; rights,&rdquo; as defined in Section 1.002. That
term includes a domestic for-profit corporation, professional corporation, professional association, and real estate investment
trust. Except as provided in Subsection (c), that term does not include a partnership or limited liability company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) The
governing documents of a partnership or a limited liability company may provide that its owners are entitled to the rights of
dissent and appraisal provided by this subchapter, subject to any modification to those rights as provided by the entity&rsquo;s
governing documents.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 6pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.352. DEFINITIONS</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In this
subchapter:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(1) &ldquo;Dissenting
owner&rdquo; means an owner of an ownership interest in a domestic entity subject to dissenters&rsquo; rights who:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(A) provides
notice under Section 10.356; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(B) complies
with the requirements for perfecting that owner&rsquo;s right to dissent under this subchapter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(2)&nbsp;&ldquo;Responsible
organization&rdquo; means:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(A) the organization
responsible for:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(i) the
provision of notices under this subchapter; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(ii) the
primary obligation of paying the fair value for an ownership interest held by a dissenting owner;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(B) with
respect to a merger or conversion:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(i) for
matters occurring before the merger or conversion, the organization that is merging or converting; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(ii) for
matters occurring after the merger or conversion, the surviving or new organization that is primarily obligated for the payment
of the fair value of the dissenting owner&rsquo;s ownership interest in the merger or conversion;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(C) with
respect to an interest exchange, the organization the ownership interests of which are being acquired in the interest exchange;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"><FONT STYLE="font-size: 10pt">(D) with
respect to the sale of all or substantially all of the assets of an organization, the organization the assets of which are to
be transferred by sale or in another manner; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"><FONT STYLE="font-size: 10pt">(E) with
respect to an amendment to a domestic for-profit corporation&rsquo;s certificate of formation described by Section 10.354(a)(1)(G),
the corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 6pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.353. FORM AND
VALIDITY OF NOTICE</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) Notice
required under this subchapter:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) must
be in writing; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) may be
mailed, hand-delivered, or delivered by courier or electronic transmission.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)&nbsp;Failure
to provide notice as required by this subchapter does not invalidate any action taken.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-bottom: 10pt; margin-left: 0"><FONT STYLE="font-size: 10pt"><B>Sec. 10.354. RIGHTS
OF DISSENT AND APPRAISAL</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) Subject
to Subsection (b), an owner of an ownership interest in a domestic entity subject to dissenters&rsquo; rights is entitled to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) dissent
from:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) a plan
of merger to which the domestic entity is a party if owner approval is required by this code and the owner owns in the domestic
entity an ownership interest that was entitled to vote on the plan of merger;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) a sale
of all or substantially all of the assets of the domestic entity if owner approval is required by this code and the owner owns
in the domestic entity an ownership interest that was entitled to vote on the sale;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(C) a plan
of exchange in which the ownership interest of the owner is to be acquired;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(D) a plan
of conversion in which the domestic entity is the converting entity if owner approval is required by this code and the owner owns
in the domestic entity an ownership interest that was entitled to vote on the plan of conversion;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(E) a merger
effected under Section 10.006 in which:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(i) the owner
is entitled to vote on the merger; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(ii) the
ownership interest of the owner is converted or exchanged;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(F) a merger
effected under Section 21.459(c) in which the shares of the shareholders are converted or exchanged; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(G) if
the owner owns shares that were entitled to vote on the amendment, an amendment to a domestic for-profit corporation&rsquo;s certificate
of formation to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(i) add the
provisions required by Section 3.007(e) to elect to be a public benefit corporation; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(ii) delete
the provisions required by Section 3.007(e), which in effect cancels the corporation&rsquo;s election to be a public benefit corporation;
and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) subject
to compliance with the procedures set forth in this subchapter, obtain the fair value of that ownership interest through an appraisal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) Notwithstanding
Subsection (a), subject to Subsection (c), an owner may not dissent from a plan of merger or conversion in which there is a single
surviving or new domestic entity or non-code organization, or from a plan of exchange, if:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) the ownership
interest, or a depository receipt in respect of the ownership interest, held by the owner:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) in
the case of a plan of merger, conversion, or exchange, other than a plan of merger pursuant to Section 21.459(c), is part of a
class or series of ownership interests, or depository receipts in respect of ownership interests, that , on the record date set
for purposes of determining which owners are entitled to vote on the plan of merger, conversion, or exchange, as appropriate,
are either:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(i) listed
on a national securities exchange; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(ii) held
of record by at least 2,000 owners; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) in
the case of a plan of merger pursuant to Section 21.459(c), is part of a class or series of ownership interests, or depository
receipts in respect of ownership interests, that, immediately before the date the board of directors of the corporation that issued
the ownership interest held, directly or indirectly, by the owner approves the plan of merger, are either:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(i) listed
on a national securities exchange; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(ii) held
of record by at least 2,000 owners;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) the owner
is not required by the terms of the plan of merger, conversion, or exchange, as appropriate, to accept for the owner&rsquo;s ownership
interest any consideration that is different from the consideration to be provided to any other holder of an ownership interest
of the same class or series as the ownership interest held by the owner, other than cash instead of fractional shares or interests
the owner would otherwise be entitled to receive; and</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(3) the owner
is not required by the terms of the plan of merger, conversion, or exchange, as appropriate, to accept for the owner&rsquo;s ownership
interest any consideration other than:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) ownership
interests, or depository receipts in respect of ownership interests, of a domestic entity or non-code organization of the same
general organizational type that, immediately after the effective date of the merger, conversion, or exchange, as appropriate,
will be part of a class or series of ownership interests, or depository receipts in respect of ownership interests, that are:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(i) listed
on a national securities exchange or authorized for listing on the exchange on official notice of issuance; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(ii) held
of record by at least 2,000 owners;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) cash
instead of fractional ownership interests, or fractional depository receipts in respect of ownership interests, the owner would
otherwise be entitled to receive; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(C) any
combination of the ownership interests, or fractional depository receipts in respect of ownership interests, and cash described
by Paragraphs (A) and (B).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) Subsection
(b) shall not apply to a domestic entity that is a subsidiary with respect to a merger under Section 10.006.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d) Notwithstanding
Subsection (a), an owner of an ownership interest in a domestic for-profit corporation subject to dissenters&rsquo; rights may
not dissent from an amendment to the corporation&rsquo;s certificate of formation described by Subsection (a)(1)(G) if the shares
held by the owner are part of a class or series of shares, on the record date set for purposes of determining which owners are
entitled to vote on the amendment:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) listed
on a national securities exchange; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) held
of record by at least 2,000 owners.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.355. NOTICE
OF RIGHT OF DISSENT AND APPRAISAL</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) A domestic
entity subject to dissenters&rsquo; rights that takes or proposes to take an action regarding which an owner has a right to dissent
and obtain an appraisal under Section 10.354 shall notify each affected owner of the owner&rsquo;s rights under that section if:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) the action
or proposed action is submitted to a vote of the owners at a meeting; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) approval
of the action or proposed action is obtained by written consent of the owners instead of being submitted to a vote of the owners.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) If
a parent organization effects a merger under Section 10.006 and a subsidiary organization that is a party to the merger is a domestic
entity subject to dissenters&rsquo; rights, the responsible organization shall notify the owners of that subsidiary organization
who have a right to dissent to the merger under Section 10.354 of their rights under this subchapter not later than the 10th day
after the effective date of the merger. The notice must also include a copy of the certificate of merger and a statement that
the merger has become effective.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b-1) If
a corporation effects a merger under Section 21.459(c), the responsible organization shall notify the shareholders of that corporation
who have a right to dissent to the plan of merger under Section 10.354 of their rights under this subchapter not later than the
10th day after the effective date of the merger. Notice required under this subsection that is given to shareholders before the
effective date of the merger may, but is not required to, contain a statement of the merger&rsquo;s effective date. If the notice
is not given to the shareholders until on or after the effective date of the merger, the notice must contain a statement of the
merger&rsquo;s effective date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) A notice
required to be provided under Subsection (a), (b), or (b-1) must:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) be accompanied
by a copy of this subchapter; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) advise
the owner of the location of the responsible organization&rsquo;s principal executive offices to which a notice required under
Section 10.356(b)(1) or a demand under Section 10.356(b)(3), or both, may be provided.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d) In
addition to the requirements prescribed by Subsection (c), a notice required to be provided:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) under
Subsection (a)(1) must accompany the notice of the meeting to consider the action;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) under
Subsection (a)(2) must be provided to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) each
owner who consents in writing to the action before the owner delivers the written consent; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) each
owner who is entitled to vote on the action and does not consent in writing to the action before the 11th day after the date the
action takes effect; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(3) under
Subsection (b-1) must be provided:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) if
given before the consummation of the offer described by Section 21.459(c)(2), to each shareholder to whom that offer is made;
or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) if
given after the consummation of the offer described by Section 21.459(c)(2), to each shareholder who did not tender the shareholder&rsquo;s
shares in that offer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e) Not
later than the 10th day after the date an action described by Subsection (a)(1) takes effect, the responsible organization shall
give notice that the action has been effected to each owner who voted against the action and sent notice under Section 10.356(b)(1).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f) If
the notice given under Subsection (b-1) did not include a statement of the effective date of the merger, the responsible organization
shall, not later than the 10th day after the effective date, give a second notice to the shareholders notifying them of the merger&rsquo;s
effective date. If the second notice is given after the later of the date on which the offer described by Section 21.459(c)(2)
is consummated or the 20th day after the date notice under Subsection (b-1) is given, then the second notice is required to be
given to only those shareholders who have made a demand under Section 10.356(b)(3).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.356. PROCEDURE
FOR DISSENT BY OWNERS AS TO ACTIONS; PERFECTION OF RIGHT OF DISSENT AND APPRAISAL</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) An
owner of an ownership interest of a domestic entity subject to dissenters&rsquo; rights who has the right to dissent and appraisal
from any of the actions referred to in Section 10.354 may exercise that right to dissent and appraisal only by complying with
the procedures specified in this subchapter. An owner&rsquo;s right of dissent and appraisal under Section 10.354 may be exercised
by an owner only with respect to an ownership interest that is not voted in favor of the action.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) To
perfect the owner&rsquo;s rights of dissent and appraisal under Section 10.354, an owner:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) if the
proposed action is to be submitted to a vote of the owners at a meeting, must give to the domestic entity a written notice of
objection to the action that:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) is
addressed to the entity&rsquo;s president and secretary;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) states
that the owner&rsquo;s right to dissent will be exercised if the action takes effect;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(C) provides
an address to which notice of effectiveness of the action should be delivered or mailed; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(D) is
delivered to the entity&rsquo;s principal executive offices before the meeting;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) with
respect to the ownership interest for which the rights of dissent and appraisal are sought:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) must
vote against the action if the owner is entitled to vote on the action and the action is approved at a meeting of the owners;
and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) may
not consent to the action if the action is approved by written consent; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(3) must
give to the responsible organization a demand in writing that:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) is
addressed to the president and secretary of the responsible organization;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) demands
payment of the fair value of the ownership interests for which the rights of dissent and appraisal are sought;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(C) provides
to the responsible organization an address to which a notice relating to the dissent and appraisal procedures under this subchapter
may be sent;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(D) states
the number and class of the ownership interests of the domestic entity owned by the owner and the fair value of the ownership
interests as estimated by the owner; and</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(E) is
delivered to the responsible organization at its principal executive offices at the following time:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(i) not later
than the 20th day after the date the responsible organization sends to the owner the notice required by Section 10.355(e) that
the action has taken effect, if the action was approved by a vote of the owners at a meeting;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(ii) not
later than the 20th day after the date the responsible organization sends to the owner the notice required by Section 10.355(d)(2)
that the action has taken effect, if the action was approved by the written consent of the owners;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(iii) not
later than the 20th day after the date the responsible organization sends to the owner a notice that the merger was effected,
if the action is a merger effected under Section 10.006; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 2in"><FONT STYLE="font-size: 10pt">(iv) not
later than the 20th day after the date the responsible organization gives to the shareholder the notice required by Section 10.355(b-1)
or the date of the consummation of the offer described by Section 21.459(c)(2), whichever is later, if the action is a merger
effected under Section 21.459(c).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) An
owner who does not make a demand within the period required by Subsection (b)(3)(E) or, if Subsection (b)(1) is applicable, does
not give the notice of objection before the meeting of the owners is bound by the action and is not entitled to exercise the rights
of dissent and appraisal under Section 10.354.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d) Not
later than the 20th day after the date an owner makes a demand under Subsection (b)(3), the owner must submit to the responsible
organization any certificates representing the ownership interest to which the demand relates for purposes of making a notation
on the certificates that a demand for the payment of the fair value of an ownership interest has been made under this section.
An owner&rsquo;s failure to submit the certificates within the required period has the effect of terminating, at the option of
the responsible organization, the owner&rsquo;s rights to dissent and appraisal under Section 10.354 unless a court, for good
cause shown, directs otherwise.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e) If
a domestic entity and responsible organization satisfy the requirements of this subchapter relating to the rights of owners of
ownership interests in the entity to dissent to an action and seek appraisal of those ownership interests, an owner of an ownership
interest who fails to perfect that owner&rsquo;s right of dissent in accordance with this subchapter may not bring suit to recover
the value of the ownership interest or money damages relating to the action.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.357. WITHDRAWAL
OF DEMAND FOR FAIR VALUE OF OWNERSHIP INTEREST</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) An
owner may withdraw a demand for the payment of the fair value of an ownership interest made under Section 10.356 before:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) payment
for the ownership interest has been made under Sections 10.358 and 10.361; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) a petition
has been filed under Section 10.361.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) Unless
the responsible organization consents to the withdrawal of the demand, an owner may not withdraw a demand for payment under Subsection
(a) after either of the events specified in Subsections (a)(1) and (2).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.358. RESPONSE
BY ORGANIZATION TO NOTICE OF DISSENT AND DEMAND FOR FAIR VALUE BY DISSENTING OWNER</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) Not
later than the 20th day after the date a responsible organization receives a demand for payment made by a dissenting owner in
accordance with Section 10.356(b)(3), the responsible organization shall respond to the dissenting owner in writing by:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) accepting
the amount claimed in the demand as the fair value of the ownership interests specified in the notice; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) rejecting
the demand and including in the response the requirements prescribed by Subsection (c).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) If
the responsible organization accepts the amount claimed in the demand, the responsible organization shall pay the amount not later
than the 90th day after the date the action that is the subject of the demand was effected if the owner delivers to the responsible
organization:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) endorsed
certificates representing the ownership interests if the ownership interests are certificated; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) signed
assignments of the ownership interests if the ownership interests are uncertificated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) If
the responsible organization rejects the amount claimed in the demand, the responsible organization shall provide to the owner:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) an estimate
by the responsible organization of the fair value of the ownership interests; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) an offer
to pay the amount of the estimate provided under Subdivision (1).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d) If
the dissenting owner decides to accept the offer made by the responsible organization under Subsection (c)(2), the owner must
provide to the responsible organization notice of the acceptance of the offer not later than the 90th day after the date the action
that is the subject of the demand took effect.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e) If,
not later than the 90th day after the date the action that is the subject of the demand took effect, a dissenting owner accepts
an offer made by a responsible organization under Subsection (c)(2) or a dissenting owner and a responsible organization reach
an agreement on the fair value of the ownership interests, the responsible organization shall pay the agreed amount not later
than the 120th day after the date the action that is the subject of the demand took effect, if the dissenting owner delivers to
the responsible organization:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) endorsed
certificates representing the ownership interests if the ownership interests are certificated; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) signed
assignments of the ownership interests if the ownership interests are uncertificated.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.359. RECORD
OF DEMAND FOR FAIR VALUE OF OWNERSHIP INTEREST</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) A responsible
organization shall note in the organization&rsquo;s ownership interest records maintained under Section 3.151 the receipt of a
demand for payment from any dissenting owner made under Section 10.356.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) If
an ownership interest that is the subject of a demand for payment made under Section 10.356 is transferred, a new certificate
representing that ownership interest must contain:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) a reference
to the demand; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) the name
of the original dissenting owner of the ownership interest.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.360. RIGHTS
OF TRANSFEREE OF CERTAIN OWNERSHIP INTEREST</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A transferee
of an ownership interest that is the subject of a demand for payment made under Section 10.356 does not acquire additional rights
with respect to the responsible organization following the transfer. The transferee has only the rights the original dissenting
owner had with respect to the responsible organization after making the demand.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.361. PROCEEDING
TO DETERMINE FAIR VALUE OF OWNERSHIP INTEREST AND OWNERS ENTITLED TO PAYMENT; APPOINTMENT OF APPRAISERS. </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) If
a responsible organization rejects the amount demanded by a dissenting owner under Section 10.358 and the dissenting owner and
responsible organization are unable to reach an agreement relating to the fair value of the ownership interests within the period
prescribed by Section 10.358(d), the dissenting owner or responsible organization may file a petition requesting a finding and
determination of the fair value of the owner&rsquo;s ownership interests in a court in:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) the county
in which the organization&rsquo;s principal office is located in this state; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) the county
in which the organization&rsquo;s registered office is located in this state, if the organization does not have a business office
in this state.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) A petition
described by Subsection (a) must be filed not later than the 60th day after the expiration of the period required by Section 10.358(d).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) On
the filing of a petition by an owner under Subsection (a), service of a copy of the petition shall be made to the responsible
organization. Not later than the 10th day after the date a responsible organization receives service under this subsection, the
responsible organization shall file with the clerk of the court in which the petition was filed a list containing the names and
addresses of each owner of the organization who has demanded payment for ownership interests under Section 10.356 and with whom
agreement as to the value of the ownership interests has not been reached with the responsible organization. If the responsible
organization files a petition under Subsection (a), the petition must be accompanied by this list.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d) The
clerk of the court in which a petition is filed under this section shall provide by registered mail notice of the time and place
set for the hearing to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) the responsible
organization; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) each
owner named on the list described by Subsection (c) at the address shown for the owner on the list.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e) The
court shall:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) determine
which owners have:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(A) perfected
their rights by complying with this subchapter; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">(B) become
subsequently entitled to receive payment for the fair value of their ownership interests; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) appoint
one or more qualified appraisers to determine the fair value of the ownership interests of the owners described by Subdivision
(1).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f) The
court shall approve the form of a notice required to be provided under this section. The judgment of the court is final and binding
on the responsible organization, any other organization obligated to make payment under this subchapter for an ownership interest,
and each owner who is notified as required by this section.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(g) The
beneficial owner of an ownership interest subject to dissenters&rsquo; rights held in a voting trust or by a nominee on the beneficial
owner&rsquo;s behalf may file a petition described by Subsection (a) if no agreement between the dissenting owner of the ownership
interest and the responsible organization has been reached within the period prescribed by Section 10.358(d). When the beneficial
owner files a petition described by Subsection (a):</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) the beneficial
owner shall at that time be considered, for purposes of this subchapter, the owner, the dissenting owner, and the holder of the
ownership interest subject to the petition; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) the dissenting
owner who demanded payment under Section 10.356 has no further rights regarding the ownership interest subject to the petition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.362. COMPUTATION
AND DETERMINATION OF FAIR VALUE OF OWNERSHIP INTEREST</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) For
purposes of this subchapter, the fair value of an ownership interest of a domestic entity subject to dissenters&rsquo; rights
is the value of the ownership interest on the date preceding the date of the action that is the subject of the appraisal. Any
appreciation or depreciation in the value of the ownership interest occurring in anticipation of the proposed action or as a result
of the action must be specifically excluded from the computation of the fair value of the ownership interest.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) In
computing the fair value of an ownership interest under this subchapter, consideration must be given to the value of the domestic
entity as a going concern without including in the computation of value any control premium, any minority ownership discount,
or any discount for lack of marketability. If the domestic entity has different classes or series of ownership interests, the
relative rights and preferences of and limitations placed on the class or series of ownership interests, other than relative voting
rights, held by the dissenting owner must be taken into account in the computation of value.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) The
determination of the fair value of an ownership interest made for purposes of this subchapter may not be used for purposes of
making a determination of the fair value of that ownership interest for another purpose or of the fair value of another ownership
interest, including for purposes of determining any minority or liquidity discount that might apply to a sale of an ownership
interest.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.363. POWERS
AND DUTIES OF APPRAISER; APPRAISAL PROCEDURES</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) An
appraiser appointed under Section 10.361 has the power and authority that:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) is granted
by the court in the order appointing the appraiser; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) may be
conferred by a court to a master in chancery as provided by Rule 171, Texas Rules of Civil Procedure.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) The
appraiser shall:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) determine
the fair value of an ownership interest of an owner adjudged by the court to be entitled to payment for the ownership interest;
and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) file
with the court a report of that determination.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) The
appraiser is entitled to examine the books and records of a responsible organization and may conduct investigations as the appraiser
considers appropriate. A dissenting owner or responsible organization may submit to an appraiser evidence or other information
relevant to the determination of the fair value of the ownership interest required by Subsection (b)(1).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d) The
clerk of the court appointing the appraiser shall provide notice of the filing of the report under Subsection (b) to each dissenting
owner named in the list filed under Section 10.361 and the responsible organization.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.364. OBJECTION
TO APPRAISAL; HEARING</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) A dissenting
owner or responsible organization may object, based on the law or the facts, to all or part of an appraisal report containing
the fair value of an ownership interest determined under Section 10.363(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) If
an objection to a report is raised under Subsection (a), the court shall hold a hearing to determine the fair value of the ownership
interest that is the subject of the report. After the hearing, the court shall require the responsible organization to pay to
the holders of the ownership interest the amount of the determined value with interest, accruing from the 91st day after the date
the applicable action for which the owner elected to dissent was effected until the date of the judgment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) Interest
under Subsection (b) accrues at the same rate as is provided for the accrual of prejudgment interest in civil cases.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d) The
responsible organization shall:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) immediately
pay the amount of the judgment to a holder of an uncertificated ownership interest; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) pay the
amount of the judgment to a holder of a certificated ownership interest immediately after the certificate holder surrenders to
the responsible organization an endorsed certificate representing the ownership interest.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e) On
payment of the judgment, the dissenting owner does not have an interest in the:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) ownership
interest for which the payment is made; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) responsible
organization with respect to that ownership interest.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.365. COURT
COSTS; COMPENSATION FOR APPRAISER</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) An
appraiser appointed under Section 10.361 is entitled to a reasonable fee payable from court costs.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) All
court costs shall be allocated between the responsible organization and the dissenting owners in the manner that the court determines
to be fair and equitable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.366. STATUS
OF OWNERSHIP INTEREST HELD OR FORMERLY HELD BY DISSENTING OWNER</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) An
ownership interest of an organization acquired by a responsible organization under this subchapter:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) in the
case of a merger, conversion, or interest exchange, shall be held or disposed of as provided in the plan of merger, conversion,
or interest exchange; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) in any
other case, may be held or disposed of by the responsible organization in the same manner as other ownership interests acquired
by the organization or held in its treasury.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) An
owner who has demanded payment for the owner&rsquo;s ownership interest under Section 10.356 is not entitled to vote or exercise
any other rights of an owner with respect to the ownership interest except the right to:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) receive
payment for the ownership interest under this subchapter; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) bring
an appropriate action to obtain relief on the ground that the action to which the demand relates would be or was fraudulent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c) An
ownership interest for which payment has been demanded under Section 10.356 may not be considered outstanding for purposes of
any subsequent vote or action.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.367. RIGHTS
OF OWNERS FOLLOWING TERMINATION OF RIGHT OF DISSENT</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a) The
rights of a dissenting owner terminate if:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1) the owner
withdraws the demand under Section 10.356;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) the owner&rsquo;s
right of dissent is terminated under Section 10.356;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(3)&nbsp;a
petition is not filed within the period required by Section 10.361; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(4) after
a hearing held under Section 10.361, the court adjudges that the owner is not entitled to elect to dissent from an action under
this subchapter.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b) On
termination of the right of dissent under this section:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(1)&nbsp;the
dissenting owner and all persons claiming a right under the owner are conclusively presumed to have approved and ratified the
action to which the owner dissented and are bound by that action;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(2) the owner&rsquo;s
right to be paid the fair value of the owner&rsquo;s ownership interests ceases;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(3)&nbsp;the
owner&rsquo;s status as an owner of those ownership interests is restored, as if the owner&rsquo;s demand for payment of the fair
value of the ownership interests had not been made under Section 10.356, if the owner&rsquo;s ownership interests were not canceled,
converted, or exchanged as a result of the action or a subsequent action;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(4) the dissenting
owner is entitled to receive the same cash, property, rights, and other consideration received by owners of the same class and
series of ownership interests held by the owner, as if the owner&rsquo;s demand for payment of the fair value of the ownership
interests had not been made under Section 10.356, if the owner&rsquo;s ownership interests were canceled, converted, or exchanged
as a result of the action or a subsequent action;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(5) any action
of the domestic entity taken after the date of the demand for payment by the owner under Section 10.356 will not be considered
ineffective or invalid because of the restoration of the owner&rsquo;s ownership interests or the other rights or entitlements
of the owner under this subsection; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 1in"><FONT STYLE="font-size: 10pt">(6) the dissenting
owner is entitled to receive dividends or other distributions made after the date of the owner&rsquo;s payment demand under Section
10.356, to owners of the same class and series of ownership interests held by the owner as if the demand had not been made, subject
to any change in or adjustment to the ownership interests because of an action taken by the domestic entity after the date of
the demand.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>Sec. 10.368. EXCLUSIVITY
OF REMEDY OF DISSENT AND APPRAISAL</B>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In the
absence of fraud in the transaction, any right of an owner of an ownership interest to dissent from an action and obtain the fair
value of the ownership interest under this subchapter is the exclusive remedy for recovery of: (1) the value of the ownership
interest; or (2) money damages to the owner with respect to the action.</FONT></P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>PART
II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>INFORMATION
NOT REQUIRED IN PROSPECTUS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.75in"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 10%; text-align: left"><FONT STYLE="font-size: 10pt"><B>Item 20.</B></FONT></TD><TD STYLE="width: 90%"><FONT STYLE="font-size: 10pt"><B>Indemnification of Directors
and Officers.</B></FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Article
Sixteenth of the Amended and Restated Articles of Incorporation, or the Articles of Incorporation, of Simmons First National Corporation,
or Simmons, provides that Simmons&rsquo; directors will not be personally liable to Simmons or any of its shareholders for monetary
damages resulting from breaches of their fiduciary duty as directors to the fullest extent permitted by the Arkansas Business
Corporation Act of 1987, as amended, or the 1987 Act. The 1987 Act permits the limitation of liability for monetary damages of
directors for breaches of fiduciary duty, except (a) for any breach of the director&rsquo;s duty of loyalty to Simmons or its
shareholders, (b) for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law,
(c) under Section 833 of the Arkansas Business Corporation Act of 1987, or the ABCA, as the same exists or hereafter may be amended,
(d) for any transaction from which the director derived an improper personal benefit, or (e) for any action, omission, transaction,
or breach of a director&rsquo;s duty creating any third party liability to any person or entity other than Simmons or shareholder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">ABCA Section
850 permits a corporation, under specified circumstances, to indemnify its current and former directors, officers, employees or
agents against expenses (including attorney&rsquo;s fees), judgments, fines and amounts paid in settlements actually and reasonably
incurred by them in connection with any action, suit or proceeding brought by third parties by reason of the fact that the directors,
officers, employees or agents acted in good faith and in a manner they reasonably believed to be in or not opposed to the best
interests of the corporation and, with respect to any criminal action or proceeding, had no reasonable cause to believe their
conduct was unlawful. In a derivative action, i.e., one by or in the right of the corporation, indemnification may be made only
for expenses actually and reasonably incurred by directors, officers, employees or agents in connection with the defense or settlement
of an action or suit, and only with respect to a matter as to which they shall have acted in good faith and in a manner they reasonably
believed to be in or not opposed to the best interests of the corporation, except that no indemnification shall be made if such
person shall have been adjudged liable to the corporation, unless and only to the extent that the court in which the action or
suit was brought shall determine upon application that the defendant directors, officers, employees or agents are fairly and reasonably
entitled to indemnity for such expenses despite such adjudication of liability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Article
Twelfth of the Articles of Incorporation provides that Simmons shall, to the full extent permitted by the 1987 Act, indemnify
all persons whom it may indemnify pursuant thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The effect
of the indemnification provisions contained in Simmons&rsquo; Amended and Restated Articles of Incorporation is to require Simmons
to indemnify its directors and officers under circumstances where such indemnification would otherwise be discretionary. Simmons&rsquo;
Amended and Restated Articles of Incorporation specify that the indemnification rights granted thereunder are enforceable contract
rights which are not exclusive of any other indemnification rights that the director or officer may have under any by-law, vote
of shareholders or disinterested directors or otherwise. As permitted under the ABCA, the Articles of Incorporation also authorize
the purchase of directors&rsquo; and officers&rsquo; insurance for the benefit of its past and present directors and officers,
irrespective of whether Simmons has the power to indemnify such persons under Arkansas law. Simmons currently maintains insurance
as authorized by these provisions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Articles
of Incorporation also provide that expenses incurred by a director or officer in defending a civil or criminal lawsuit or proceeding
arising out of actions taken in his or her official capacity, or in certain other capacities, will be paid by Simmons in advance
of the final disposition of the matter upon the approval of (i) Simmons&rsquo; board of directors by a majority vote of a quorum
consisting of directors who are not parties to the proceeding, (ii) if such a quorum is not obtainable or, even if obtainable,
if a quorum of disinterested directors so directs, then by independent legal counsel in a written opinion, or (iii) the shareholders,
and upon receipt of an undertaking from the director or officer to repay the sum advanced if it is ultimately determined that
he or she is not entitled to be indemnified by Simmons pursuant to applicable provisions of Arkansas law.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Simmons
has also entered into an indemnification agreement with each of the directors and the executive officers of Simmons, which we
refer to as the indemnitees. These indemnification agreements supplement the indemnification provisions contained in the Articles
of Incorporation and generally provide that the Simmons shall indemnify the indemnitees to the fullest extent permitted by applicable
law, subject to certain exceptions, against expenses, judgments, fines and other amounts actually and reasonably incurred in connection
with their service as a director or officer and also provide for rights to advancement of expenses and contribution.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The indemnification
provisions are not intended to deny or otherwise limit third-party or derivative suits against Simmons or its directors or officers.
However, to the extent a director or officer were entitled to indemnification, the financial burden of a third-party suit would
be borne by Simmons, and Simmons would not benefit from derivative recoveries since the amount of such recoveries would be repaid
to the director or officer pursuant to the agreements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Insofar
as indemnification for liabilities arising under the Securities Act of 1933, as amended, or the Securities Act, may be permitted
to directors, officers, or persons controlling the registrant pursuant to the foregoing provisions, the registrant has been informed
that in the opinion of the United States Securities and Exchange Commission such indemnification is against public policy as expressed
in the Securities Act and is therefore unenforceable.</FONT></P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Item 21.</B></FONT></td>
    <TD STYLE="width: 90%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Exhibits and Financial Statement
    Schedules.</B></FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt"><B>Exhibit Index </B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt; width: 8%"><FONT STYLE="font-size: 10pt"><B>Exhibit</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt 0.25pt 1.25pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt; text-align: center; width: 90%"><FONT STYLE="font-size: 10pt"><B>Description</B></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2.1*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#annex_a">Agreement and Plan of Merger, dated as of November 18, 2021, by and between Simmons First National Corporation and Spirit of Texas Bancshares, Inc. (contained in Annex A to the proxy statement/prospectus which is included in this registration statement)***</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="https://www.sec.gov/Archives/edgar/data/90498/000155278121000595/e21468_ex3-1.htm" STYLE="-sec-extract: exhibit">Amended and Restated Articles of Incorporation of Simmons First National Corporation, as amended on July 14, 2021 (incorporated by reference to Exhibit 3.1 to the Registration Statement on Form S-4 filed under the Securities Act of 1933 by Simmons First National Corporation on July 21, 2021 (File No. 333-258059))</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/90498/000117184320007185/exh_31.htm" STYLE="-sec-extract: exhibit">As Amended By-Laws of Simmons First National Corporation (incorporated by reference to Exhibit 3.1 to Simmons First National Corporation&rsquo;s Current Report on Form 8-K filed on October 22, 2020)</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">4.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/90498/000117184314002894/exh_41.htm" STYLE="-sec-extract: exhibit">Specimen common stock certificate of Simmons First National Corporation (incorporated by reference to Exhibit 4.1 to Amendment No. 1 to Simmons First National Corporation&rsquo;s Registration Statement on Form S-3 filed on June 18, 2014)</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">5.1*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex5-1.htm">Opinion of Friday, Eldredge &amp; Clark, LLP, regarding the legality of the securities being registered</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">8.1*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex8-1.htm">Opinion of Covington &amp; Burling LLP regarding certain federal income tax matters</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">15.1*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex15-1.htm">Awareness Letter of BKD, LLP with respect to the interim financial statements of Simmons First National Corporation</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">21.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="https://www.sec.gov/Archives/edgar/data/0000090498/000162828021003318/sfnc-123120xex21listofsubs.htm" STYLE="-sec-extract: exhibit">Subsidiaries of Simmons First National Corporation (incorporated herein by reference to Exhibit 21 to Simmons First National Corporation&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2020 filed on March 5, 2021)</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">23.1*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex5-1.htm">Consent of Friday, Eldredge &amp; Clark (contained in the opinion filed as Exhibit 5.1)</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">23.2*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex8-1.htm">Consent of Covington &amp; Burling LLP (contained in its opinion filed as Exhibit 8.1)</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">23.3*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex23-3.htm">Consent of BKD, LLP with respect to the audited financial statements of Simmons First National Corporation</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">23.4*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex23-4.htm">Consent of BDO USA, LLP with respect to the audited financial statements of Spirit of Texas Bancshares, Inc.</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">24.1*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#poa">Power of Attorney (contained on the signature page of this registration statement)</A></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">99.1*</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="#annex_b">Form of Support and Non-Competition Agreement, by and among Simmons First National Corporation, Spirit of Texas Bancshares, Inc. and the directors of Spirit of Texas Bancshares, Inc. (contained in Annex B to the proxy statement/prospectus which is included in this registration statement)</A></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt"><FONT STYLE="font-size: 10pt"></FONT></P>




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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 8%"><FONT STYLE="font-size: 10pt">99.2*</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif; width: 90%"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex99-2.htm">Consent of Stephens Inc.</A></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"> 99.3** </FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="https://www.sec.gov/Archives/edgar/data/90498/000155278121000858/e21655_ex99-3.htm" STYLE="-sec-extract: exhibit">Consent of Dean O. Bass pursuant to Rule 438 promulgated under the Securities Act of 1933, as amended</A></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">99.4*</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><A HREF="e22015_ex99-4.htm">Form of proxy to be mailed to shareholders of Spirit of Texas Bancshares, Inc.</A></FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.25pt 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">*</FONT></td>
    <TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 90%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Filed herewith.</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">**</FONT></td>
    <TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 90%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"> Previously filed. </FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">***</FONT></td>
    <TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 90%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The disclosure schedules and
    exhibits have been omitted pursuant to Item 601(a)(5) of Regulation S-K. Simmons agrees to furnish supplementally a copy of
    any omitted schedule or exhibit to the SEC upon request.</FONT></td></tr>
</table>



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<TD STYLE="width: 0%"></TD><TD STYLE="width: 10%; text-align: left"><FONT STYLE="font-size: 10pt"><B>Item 22.</B></FONT></TD><TD STYLE="width: 90%"><FONT STYLE="font-size: 10pt"><B>Undertakings.</B></FONT></TD>
</TR></TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-size: 10pt">The undersigned registrant
hereby undertakes:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 0px; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 41px; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">To file, during any period in which offers
    or sales are being made, a post-effective amendment to this registration statement: (1) to include any prospectus required
    by Section 10(a)(3) of the Securities Act of 1933, as amended, or the Securities Act, (2) to reflect in the prospectus any
    facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment
    thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration
    statement (notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value
    of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated
    maximum offering range may be reflected in the form of prospectus filed with the Securities and Exchange Commission, or the
    SEC, pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in
    the maximum aggregate offering price set forth in the &ldquo;Calculation of Registration Fee&rdquo; table in the effective
    registration statement), and (3) to include any material information with respect to the plan of distribution not previously
    disclosed in the registration statement or any material change to such information in the registration statement.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(2)</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">That, for the purpose
    of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration
    statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to
    be the initial bona fide offering thereof.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(3)</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">To remove from registration
    by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the
    offering.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(4)</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">That, for purposes of
    determining any liability under the Securities Act, each filing of the registrant&rsquo;s annual report pursuant to Section
    13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, or the Exchange Act (and, where applicable, each filing
    of an employee benefit plan&rsquo;s annual report pursuant to Section 15(d) of the Exchange Act), that is incorporated by
    reference in this registration statement shall be deemed to be a new registration statement relating to the securities offered
    therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 10pt"><FONT STYLE="font-size: 10pt">(5)</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">That prior to any public
    reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration statement,
    by any person or party who is deemed to be an underwriter within the meaning of Rule 145(c), the registrant undertakes that
    such reoffering prospectus will contain the information called for by the applicable registration form with respect to reofferings
    by persons who may be deemed underwriters, in addition to the information called for by the other items of the applicable
    form.</FONT></td></tr>
</TABLE>



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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0px"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding-top: 0; font: 10pt Times New Roman, Times, Serif; width: 41px"><FONT STYLE="font-size: 10pt">(6)</FONT></td>
    <TD STYLE="padding-top: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">That every prospectus
    (1) that is filed pursuant to paragraph (5) above, or (2) that purports to meet the requirements of Section 10(a)(3) of the
    Securities Act and is used in connection with an offering of securities subject to Rule 415, will be filed as a part of an
    amendment to this registration statement and will not be used until such amendment is effective, and that for purposes of
    determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration
    statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to
    be the initial bona fide offering thereof.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 10pt"><FONT STYLE="font-size: 10pt">(7)</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">To respond to requests
    for information that is incorporated by reference into the prospectus pursuant to Items 4, 10(b), 11 or 13 of this form, within
    one business day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt
    means. This includes information contained in documents filed subsequent to the effective date of the registration statement
    through the date of responding to the request.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(8)</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">To supply by means of
    a post-effective amendment all information concerning a transaction, and the company being acquired involved therein, that
    was not the subject of and included in this registration statement when it became effective.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding-top: 10pt; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">(9)</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 10pt"><FONT STYLE="font-size: 10pt">Insofar as indemnification for liabilities
    arising under the Securities Act may be permitted to directors, officers and controlling persons of the registrant pursuant
    to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the SEC such indemnification
    is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for
    indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director,
    officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by
    such director, officer, or controlling person in connection with the securities being registered, the registrant will, unless
    in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction
    the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed
    by the final adjudication of such issue.</FONT></td></tr>
</table>



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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"> SIGNATURES </FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"> Pursuant to
the requirements of the Securities Act of 1933, as amended, the registrant has duly caused this Amendment No. 1 to the Registration
Statement on Form S-4 to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Pine Bluff, State
of Arkansas, on this 18th day of January, 2022. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8.95pt 15.85pt 0 6pt; text-indent: 32.35pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td>
    <TD COLSPAN="2" STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> SIMMONS
    FIRST NATIONAL CORPORATION </FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; width: 50%; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; width: 3%; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; width: 47%; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td>
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> By: </FONT></td>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"> /s/
    George A. Makris, Jr.&nbsp; </td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td>
    <TD STYLE="vertical-align: top; padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> George
    A. Makris, Jr. </FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td>
    <TD STYLE="vertical-align: top; padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt"> Chief
    Executive Officer and Chairman of the Board of Directors </FONT></td></tr>
</table>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><FONT STYLE="font-size: 10pt"><B> <A NAME="poa"></A>POWER
OF ATTORNEY </B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"> Each person
whose signature appears below appoints George A. Makris, Jr. and James M. Brogdon, and each of them, either of whom may act without
the joinder of the other, as his true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution,
for him or her and in his or her name, place and stead, in any and all capacities, to sign any and all amendments (including post-effective
amendments) to this Amendment No. 1 to the Registration Statement and related Registration Statement and any Registration Statement
(including any amendment thereto) for this offering that is to be effective upon filing pursuant to Rule 462(b) under the Securities
Act of 1933, as amended, and to file the same, with all exhibits thereto, and all other documents in connection therewith, with
the SEC, granting unto said attorneys-in-fact and agents, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done, as fully to all intents and purposes as he or she might or would do in
person, hereby ratifying and confirming all that said attorneys-in-fact and agents or any of them or their or his or her substitute
or substitutes, may lawfully do or cause to be done by virtue hereof. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"> &nbsp; </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"> Pursuant to
the requirements of the Securities Act of 1933, as amended, this Amendment No. 1 to the Registration Statement has been signed
below by the following persons in the capacities and on the dates indicated. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 24%; font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><U> Signature
    </U></B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center"> &nbsp; </TD>
    <TD STYLE="width: 52%; font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><U> Title </U></B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center"> &nbsp; </TD>
    <TD STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><U> Date </U></B></FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; border-bottom: Black 1pt solid; padding-left: 0; text-indent: 0; text-align: left"> /s/
    George A. Makris, Jr. </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0 0 1pt; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Chief
    Executive Officer and Chairman of the Board of Directors </FONT></TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0 0 1pt; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> George A. Makris, Jr. </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> (Principal Executive
    Officer) </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; border-bottom: Black 1pt solid; padding-left: 0; text-indent: 0; text-align: left"> /s/
    James M. Brogdon </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0 0 1pt; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Executive
    Vice President, Chief Financial Officer and Treasurer </FONT></TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0 0 1pt; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> James M. Brogdon </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> (Principal Financial
    Officer) </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; border-bottom: Black 1pt solid; padding-left: 0; text-indent: 0; text-align: left"> /s/
    David W. Garner </TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0 0 1pt; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Executive
    Vice President and Chief Accounting Officer </FONT></TD>
    <TD STYLE="padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0 0 1pt; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> David W. Garner </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> (Principal Accounting
    Officer) </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Steven A. Coss&eacute; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Lead
    Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Steven A. Coss&eacute; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Jay D. Burchfield </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Jay D. Burchfield </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Marty D. Casteel </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Marty D. Casteel </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    William E. Clark, II </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> William E. Clark, II </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Edward Drilling </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Edward Drilling </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Eugene Hunt </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Eugene Hunt </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Jerry M. Hunter </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Jerry M. Hunter </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    W. Scott McGeorge </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> W. Scott McGeorge </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Tom E. Purvis </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Tom E. Purvis </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Robert L. Shoptaw </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Robert L. Shoptaw </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Julie Stackhouse </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Julie Stackhouse </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Russell Teubner </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Russell Teubner </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left; border-bottom: Black 1pt solid"> /s/
    Mindy West </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt"> Director </FONT></TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-size: 10pt"> January
    18, 2022 </FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> Mindy West </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; text-align: left"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"> &nbsp; </TD></TR>
</TABLE>



    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 6pt; border-bottom: Gainsboro 2pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">II-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></TD></TR></TABLE></DIV>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="font-size: 10pt"><B>Exhibit 5.1</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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    <TD ROWSPAN="3" STYLE="padding-top: 3px; padding-right: 0.1in; padding-left: 0.05in; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt"><IMG SRC="e22015001.jpg" ALT="" STYLE="height: 61px; width: 318px"></FONT></td>
    <TD COLSPAN="2" STYLE="padding-right: 0.1in; padding-left: 0.05in; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; padding-right: 0.1in; padding-left: 0.05in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD ROWSPAN="2" STYLE="vertical-align: top; padding-right: 0.1in; padding-left: 0.1in; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">400 West
        Capitol Avenue<br>
        Suite 2000</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">Little
        Rock, Arkansas 72201-3522</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 1.5pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">www.FridayFirm.com</FONT></P></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding: 1.5pt 0.1in 1.5pt 0.05in; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
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    <TD COLSPAN="3" STYLE="padding-right: 0.1in; padding-left: 0.05in; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0pt; text-align: center"><FONT STYLE="font-size: 10pt">January
18, 2022</FONT></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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        First National Corporation</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">501
        Main Street</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Pine
        Bluff, Arkansas 71601</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P></td>
    <TD STYLE="width: 50%; padding-right: 0; padding-left: 0; font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-top: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; padding-top: 0">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-align: justify; padding-top: 0">&nbsp;</TD></TR>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">Re:</FONT></td>
    <TD STYLE="width: 94%; padding-right: 5.4pt; padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt">Registration
    Statement on Form S-4 &ndash; Simmons First National Corporation</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0"><FONT STYLE="font-size: 10pt">Ladies and Gentlemen:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
have acted as counsel to Simmons First National Corporation, an Arkansas corporation (the &ldquo;Company&rdquo;), in connection
with the preparation and filing by the Company with the Securities and Exchange Commission (the &ldquo;Commission&rdquo;) of a
registration statement on Form S-4 (File No. 333-261842) (as amended, the &ldquo;Registration Statement&rdquo;) and the related
proxy statement/prospectus relating to the registration under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;),
of an aggregate of 18,325,000 shares of the Company&rsquo;s Class A Common Stock, par value $0.01 per share (the &ldquo;Shares&rdquo;),
to be issued in connection with the proposed merger of Spirit of Texas Bancshares, Inc., a Texas corporation (&ldquo;Spirit&rdquo;),
with and into the Company pursuant to the Agreement and Plan of Merger, dated as of November 18, 2021 (the &ldquo;Merger Agreement&rdquo;),
by and between the Company and Spirit. Unless otherwise indicated, each capitalized term used herein has the meaning ascribed
to it in the Registration Statement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
connection with our opinion expressed below, we have examined originals or copies certified or otherwise identified to our satisfaction
of the following documents and such other documents, corporate records, certificates and other statements of government officials
and corporate officers of the Company as we deemed necessary for the purposes of the opinion set forth in this opinion letter:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;the
Registration Statement (including the proxy statement/prospectus comprising a part thereof);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;the
Merger Agreement;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;the
Amended and Restated Articles of Incorporation of the Company dated July 14, 2021;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;the
Bylaws of the Company dated as of October 21, 2020; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;a
copy of the Resolutions of the Board of Directors of the Company adopted on November 18, 2021.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Simmons First National Corporation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">January 18, 2022</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Page 2</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
have relied, to the extent we deem such reliance proper, upon such certificates or comparable documents of officers and representatives
of the Company and of public officials and upon statements and information furnished by officers and representatives of the Company
with respect to the accuracy of material factual matters contained therein which were not independently established by us. In
rendering the opinion expressed below, we have assumed, without independent investigation or verification of any kind, the genuineness
of all signatures on documents we have reviewed, the legal capacity and competency of all natural persons signing all such documents,
the authenticity and completeness of all documents submitted to us as originals, the conformity to authentic, complete original
documents of all documents submitted to us as copies, the truthfulness, completeness and correctness of all factual representations
and statements contained in all documents we have reviewed, the accuracy and completeness of all public records examined by us,
and the accuracy of all statements in certificates of officers of the Company that we reviewed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
have also assumed that, with respect to the Merger Agreement, prior to the issuance of any of the Shares, (a) the Registration
Statement will have become effective under the Securities Act, (b) to the extent required under the laws of Texas, the shareholders
of Spirit will have approved and adopted the Merger Agreement, including the transactions contemplated by the Merger Agreement,
and (c) the transactions contemplated by the Merger Agreement will have been consummated in accordance with the Merger Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based
upon the foregoing assumptions and the assumptions set forth below, and subject to the qualifications and limitations stated herein,
we are of the opinion that the Shares to be issued by the Company pursuant to and in the manner contemplated by the terms of the
Merger Agreement have been duly authorized and, when the Registration Statement has become effective under the Securities Act,
the Shares, when issued upon the terms and conditions set forth in the Merger Agreement, will be validly issued, fully paid and
nonassessable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our
opinion is limited to the federal laws of the United States and the applicable statutory provisions of Arkansas corporate law,
including the rules and regulations underlying those provisions, all applicable provisions of the Arkansas Constitution, all applicable
judicial and regulatory determinations in connection therewith. Our opinion is based on these laws as in effect on the date hereof
and as of the effective date of the Registration Statement, and we assume no obligation to revise or supplement this opinion after
the effective date of the Registration Statement should the law be changed by legislative action, judicial decision, or otherwise.
We express no opinion as to whether the laws of any other jurisdiction are applicable to the subject matter hereof. We are not
rendering any opinion as to compliance with any other Federal or state law, rule or regulation relating to securities, or to the
sale or issuance thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
opinion is expressed herein as to any matter pertaining to the contents of the Registration Statement or related prospectus, other
than as expressly stated herein with respect to the issuance of the Shares pursuant to the Merger Agreement.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Simmons First National Corporation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">January 18, 2022</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Page 3</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This
opinion letter is for your benefit in connection with the Registration Statement and may be relied upon by you and by persons
entitled to rely upon it pursuant to the applicable provisions of the Securities Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
opinion expressed above is as of the date hereof only, and we express no opinion as to, and assume no responsibility for, the
effect of any fact or circumstance occurring, or of which we learn, subsequent to the date of this opinion letter, including,
without limitation, legislative and other changes in the law or changes in circumstances affecting any party. We assume no responsibility
to update this opinion letter for, or to advise you of, any such facts or circumstances of which we become aware, regardless of
whether or not they affect the opinion expressed in this opinion letter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
hereby consent to the filing of this opinion letter as Exhibit 5.1 to the Registration Statement and to the reference to our firm
as counsel for the Company that has passed on the validity of the Shares appearing under the caption &ldquo;Legal Matters&rdquo;
in the proxy statement/prospectus forming part of the Registration Statement. In giving this consent, we do not thereby admit
that we are within the category of persons whose consent is required under Section 7 of the Securities Act or the rules and regulations
of the Commission thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="width: 60%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 40%; text-align: left; padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Cordially
    yours,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-size: 10pt; font-variant: small-caps">/s/
    Friday, Eldredge &amp; Clark</FONT><FONT STYLE="font-size: 10pt">, LLP</FONT></P>

    </TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0"><FONT STYLE="font-size: 10pt">PCG:jry</FONT></P>


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<P STYLE="text-align: right; margin: 0"><B>Exhibit 8.1</B></P>

<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 65%"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 61px; width: 250px">&nbsp;</TD>
  <TD STYLE="width: 35%"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 65px; width: 150px">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>January 18, 2022</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Simmons First National Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">501 Main Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Pine Bluff, Arkansas 71601</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">Re:</TD><TD STYLE="padding-right: 0.5in"><U>Merger of Spirit of Texas Bancshares, Inc. with and into Simmons First National Corporation</U></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We have acted as counsel
to Simmons First National Corporation, an Arkansas corporation (&ldquo;<U>Simmons</U>&rdquo;), in connection with the proposed merger
(the &ldquo;<U>Merger</U>&rdquo;) of Spirit of Texas Bancshares, Inc., a Texas corporation (&ldquo;<U>Spirit</U>&rdquo;), with and into
Simmons, pursuant to the terms of the Agreement and Plan of Merger, dated as of November 18, 2021 (the &ldquo;<U>Agreement</U>&rdquo;),
by and between Simmons and Spirit, as described in the Registration Statement on Form S-4 (File No. 333-261842) filed by Simmons with
the United States Securities and Exchange Commission (the &ldquo;<U>Registration Statement</U>&rdquo;). In connection therewith, we prepared
the discussion (the &ldquo;<U>Discussion</U>&rdquo;) set forth under the section entitled &ldquo;Material U.S. Federal Income Tax Consequences
Relating to the Merger&rdquo; in the Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In connection with this
opinion, we have reviewed (i)&nbsp;the Agreement, (ii)&nbsp;the Registration Statement and (iii)&nbsp;such other records, certificates
and other documents, and such questions of law, as we have considered necessary or appropriate for the purposes of this opinion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We have assumed that all
signatures are genuine, that all documents submitted to us as originals are authentic and that all copies of documents submitted to us
conform to the originals. We have further assumed, with your permission (to the extent set forth in the representation letters from Simmons
and Spirit) and without independent investigation, that (i)&nbsp;the Merger will be consummated in the manner described in the Registration
Statement and in accordance with the Agreement, (ii)&nbsp;the Merger will be consummated without the waiver of any conditions to any
party&rsquo;s obligations to consummate the Merger and (iii)&nbsp;the covenants set forth in the Agreement will be complied with. We
have assumed further the accuracy of the representations set forth in the Agreement and in certificates as to certain factual matters
signed by officers of Simmons and Spirit. We have also assumed, with your permission and without independent investigation (other than
such investigations as we have deemed necessary to fulfill our professional responsibilities as counsel), that, as to all matters in
which a person making a representation has represented that such person or a related party is not a party to, does not have or is not
aware of any plan, intention, understanding or agreement to take action, there is in fact no such plan, intention, understanding or agreement,
and such action will not be taken.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 15px; width: 100px">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Simmons First National Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">January 18, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Page 2</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Based upon and subject
to the foregoing, we hereby confirm that the legal statements in the Discussion constitute our opinion with respect to the United States
federal income tax law matters referred to therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Our opinion expressed herein
is subject to the assumptions and qualifications set forth in the Discussion and is based upon existing law, regulations, administrative
pronouncements and judicial authority, all as in effect as of today&rsquo;s date. This opinion is not binding on the Internal Revenue
Service or courts. Furthermore, the authorities upon which we rely may be changed at any time, potentially with retroactive effect. No
assurances can be given as to the effect of any such changes on the conclusions expressed in this opinion. Our opinion is limited to the
United States federal income tax matters specifically covered hereby, and we have not been asked to address, nor have we addressed, any
other tax consequences. We undertake no responsibility to advise you of any future change in the matters stated or assumed herein or in
the United States federal income tax laws or the application or interpretation thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">We are furnishing this
opinion solely in connection with the filing of the Registration Statement, and this opinion is not to be relied upon for any other purpose.
We hereby consent to the filing of this opinion with the United States Securities and Exchange Commission as an exhibit to the Registration
Statement and the references to this opinion in the Registration Statement. In giving such consent, we do not admit that we are within
the category of persons whose consent is required under Section 7 of the Securities Act of 1933, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 65%">Very truly yours,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 65%">/s/ Covington &amp; Burling LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Seriff; margin: 0; text-align: right"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Seriff; margin: 0; text-align: right"><B>Exhibit 15.1</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Seriff; margin: 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Seriff; margin: 0; text-align: center">Awareness of Independent Registered</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Seriff; margin: 0; text-align: center">Public Accounting Firm</P>

<P STYLE="font: 10pt Times New Roman, Times, Seriff; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We acknowledge the incorporation by reference in this Registration Statement
on Form S-4/A of Simmons First National Corporation (the Company) of our report dated May 6, 2021, August 6, 2021, and November 5, 2021,
included with the Quarterly Report on Form 10-Q for the quarters ended March 31, 2021, June 30, 2021, and September 30, 2021. Pursuant to Rule 436(c) under the <I>Securities Act of 1933</I> (the Act), this
report should not be considered part of the registration statement prepared or certified by us within the meaning of Sections 7 and 11
of the Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ <B>BKD, </B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">LLP</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Little Rock, Arkansas</P>

<P STYLE="font: 10pt Times New Roman, Times, Seriff; margin: 0">January 18, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Seriff; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Seriff; margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-23.3
<SEQUENCE>5
<FILENAME>e22015_ex23-3.htm
<TEXT>
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     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 23.3</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 12pt Times New Roman, Times, Seri; margin: 0; text-align: center">Consent of Independent Registered</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Seri; margin: 0; text-align: center">Public Accounting Firm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We consent to the incorporation by reference in this Registration Statement
on Form S-4/A of Simmons First National Corporation (the Company) of our report dated February 25, 2021, on our audits of the consolidated
financial statements of the Company as of December 31, 2020 and 2019, and for each of the years in the three-year period ended December
31, 2020, which report is included in the Company&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2020. We also consent
to the incorporation by reference of our report dated February 25, 2021, on our audit of the internal control over financial reporting
of the Company as of December 31, 2020, which report is included in the Company&rsquo;s Annual Report on Form 10-K for the year ended
December 31, 2020. We also consent to the reference to our firm under the caption &ldquo;Experts&rdquo; in the proxy statement/prospectus
included in the Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Seri; margin: 0 0 3pt"><B>/s/ BKD, </B><B><FONT STYLE="font-size: 7.5pt">LLP</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Little Rock, Arkansas</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">January 18, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-23.4
<SEQUENCE>6
<FILENAME>e22015_ex23-4.htm
<TEXT>
<HTML>
<HEAD>
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</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif"></P>

<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>Exhibit 23.4</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: right">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><U>Consent of
Independent Registered Public Accounting Firm</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Simmons First
National Corporation</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Pine Bluff,
Arkansas</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">We hereby consent
to the incorporation by reference in the Proxy Statement/Prospectus constituting a part of this Registration Statement of our
report dated March 5, 2021, relating to the consolidated financial statements of Spirit of Texas Bancshares, Inc. appearing in
the Company&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">We also consent
to the reference to us under the caption &ldquo;Experts&rdquo; in the Proxy Statement/Prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">/s/ BDO USA,
LLP</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">Spokane, Washington</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">January 18, 2022</FONT></P>


    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 6pt; border-bottom: Gainsboro 2pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>

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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>7
<FILENAME>e22015_ex99-2.htm
<TEXT>
<HTML>
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</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>Exhibit 99.2</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white; text-indent: 0; text-align: right"><FONT STYLE="font-size: 10pt"></FONT><IMG SRC="e22015002.jpg" ALT="(LOGO)"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 24pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>CONSENT
OF STEPHENS INC.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 24.5pt; background-color: white"><FONT STYLE="font-size: 10pt">We
hereby consent to the inclusion of our opinion letter to the Board of Directors of Spirit of Texas Bancshares, Inc. (the &ldquo;Company&rdquo;)
as an Appendix to the Proxy Statement/Prospectus relating to the proposed merger of the Company with Simmons First National Corporation
contained in Amendment No. 1 to the Registration Statement on Form&nbsp;S-4,&nbsp;as filed with the Securities and Exchange Commission
by Simmons First National Corporation, and to the references to our firm and such opinion in such Proxy Statement/Prospectus and
the Registration Statement. In giving such consent, we do not admit, and we disclaim, that we come within the category of persons
whose consent is required under Section&nbsp;7 of the Securities Act of 1933, as amended (the &ldquo;Act&rdquo;), or the rules
and regulations of the Securities and Exchange Commission thereunder (the &ldquo;Regulations&rdquo;), and we do not admit that
we are experts with respect to any part of such Proxy Statement/Prospectus and the Registration Statement within the meaning of
the term &ldquo;experts&rdquo; as used in the Act or the Regulations.</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 60%">&nbsp;</TD>
    <TD STYLE="width: 3%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 1%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 36%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">STEPHENS INC.</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></td>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">/s/
    Buster Williams</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></td>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;Vice President</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Date:</FONT></td>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;January 18,
    2022</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 18%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 1%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 27%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 1%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 23%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 1%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 29%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Stephens Inc.</FONT></td>
    <TD STYLE="vertical-align: bottom; border-left: black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">111 Center Street</FONT></td>
    <TD STYLE="vertical-align: bottom; border-left: black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">501-377-2000</FONT></td>
    <TD STYLE="vertical-align: bottom; border-left: black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">www.stephens.com</FONT></td></tr>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-left: black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Little Rock, AR 72201</FONT></td>
    <TD STYLE="vertical-align: bottom; border-left: black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">800-643-9691</FONT></td>
    <TD STYLE="vertical-align: bottom; border-left: black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>

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<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>8
<FILENAME>e22015_ex99-4.htm
<TEXT>
<HTML>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>Exhibit 99.4</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><IMG SRC="e22015003.jpg" ALT="(Graphic)"></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 3.5in"><FONT STYLE="font: 1pt Sans-Serif; color: White">


P.O. BOX 8016, CARY, NC 27512-9903
Spirit of Texas Bancshares, Inc.
Special Meeting of Shareholders
For Shareholders as of record on January 14, 2022
TIME:	Thursday, February 24, 2022 12:00 PM, Central Time
PLACE:	Special Meeting to be held live via the Internet - please visit www.proxydocs.com/STXB for more details
YOUR VOTE IS IMPORTANT! PLEASE VOTE BY:
INTERNETGo To: www.proxypush.com/STXBo	Cast your vote onlineo	Have your Proxy Card readyo	Follow the simple instructions to record your vote
PHONE  Call 1-866-437-1228o	Use any touch-tone telephoneo	Have your Proxy Card readyo	Follow the simple recorded instructions
MAILo	Mark, sign and date your Proxy Cardo	Fold and return your Proxy Card in the postage-paidenvelope provided

Go Green! To receive documents via e-mail, simply go to: www.proxydocs.com/STXB

This proxy is being solicited on behalf of the Board of Directors
The undersigned hereby appoints Jerry D. Golemon and Steven M. Morris, and each or either of them, as the true and lawful attorneys of the undersigned, with full power of substitution and revocation, and authorizes them, and each of them, to represent and to vote all the shares of capital stock of Spirit of Texas Bancshares, Inc. which the undersigned is entitled to vote at the Special Meeting of Shareholders to be held virtually on February 24, 2022 at 12:00 pm, Local Time, and any adjournment or postponement thereof upon the proposals listed on the reverse side of this card as directed and upon such other matters as may be properly brought before the meeting or any adjournment or postponement thereof, conferring authority upon such true and lawful attorneys to vote in their discretion on such other matters as may properly come before the meeting and revoking any proxy heretofore given.
THE SHARES REPRESENTED BY THIS PROXY WILL BE VOTED AS DIRECTED OR, IF NO DIRECTION IS GIVEN, SHARES WILL BE VOTED
IDENTICAL TO THE BOARD OF DIRECTORS&rsquo; RECOMMENDATION. This proxy, when properly executed, will be voted in the manner directed herein. In their discretion, the Named Proxies are authorized to vote upon such other matters that may properly come before the meeting or any adjournment or postponement thereof.
You are encouraged to specify your choice by marking the appropriate box (SEE REVERSE SIDE) but you need not mark any box if you wish to vote in accordance with the Board of Directors&rsquo; recommendation. The Named Proxies cannot vote your shares unless you sign (on the reverse side) and return this card.
In order to attend the virtual meeting, you must register in advance at www.proxydocs.com/STXB prior to the deadline of February 23, 2022 at 12:00 PM (CT).
PLEASE BE SURE TO SIGN AND DATE THIS PROXY CARD AND MARK ON THE REVERSE SIDE

</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 3.5in"><FONT STYLE="font: 1pt Sans-Serif; color: White">

Spirit of Texas Bancshares, Inc.
Special Meeting of Shareholders
Please make your marks like this:  X
Use dark black pencil or pen only
THE BOARD OF DIRECTORS RECOMMENDS A VOTE: FOR PROPOSALS 1, 2 AND 3
PROPOSAL	YOUR VOTE
FOR	AGAINST	ABSTAIN
1.	to approve the Agreement and Plan of Merger, dated as of November 18, 2021, which we refer to as the merger agreement, by and between Simmons First National Corporation, which we refer to as Simmons, and Spirit of Texas Bancshares, Inc., which we refer to as Spirit, pursuant to which, among other things, Spirit will merge with and into Simmons, with Simmons continuing as the surviving corporation, which we refer to as the merger, as more fully described in the accompanying proxy statement/prospectus, which we refer to as the merger proposal. A copy of the merger agreement is included as Annex A to the accompanying proxy statement/prospectus.
BOARD OF DIRECTORS RECOMMENDS
FOR
2.	to approve, on an advisory (non-binding) basis, specified compensation that may become payable to the named executive officers of Spirit in connection with the merger; and
FOR
3.	to approve one or more adjournments of the Spirit special meeting, if necessary or appropriate, to solicit additional proxies in favor of approval of the merger proposal.
FOR
You must register to attend the meeting online and/or participate at www.proxydocs.com/STXB
Authorized Signatures - Must be completed for your instructions to be executed.
Please sign exactly as your name(s) appears on your account. If held in joint tenancy, all persons should sign. Trustees, administrators, etc., should include title and authority. Corporations should provide full name of corporation and title of authorized officer signing the Proxy/Vote Form.
Signature (and Title if applicable)	Date
Signature (if held jointly)
Date



</FONT></P>

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<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>e22015001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
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