Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 48

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 48
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enture provides that the Trustee will be under no obligation to exercise any of its rights or powers under the Indenture at the request or direction of any of the holders of Notes unless such holders shall have offered to the Trustee indemnity or security satisfactory to it against the costs, expenses and liabilities which may be incurred by it in complying with such request or direction. Subject to certain provisions, the holders of a majority in principal amount of the outstanding Notes will have the right to direct the time, method, and place of conducting any proceeding for any remedy available to the Trustee or exercising any trust or power conferred on the Trustee with respect to the Notes. However, the Trustee may refuse to follow any direction that conflicts with law or the Indenture or that may involve the Trustee in personal liability. In addition, the Trustee may take any other action it deems proper that is not inconsistent with any such direction received from the holders of the Notes. No holder of Notes will have any right to institute any proceeding, judicial or otherwise, with respect to the Indenture or a Note, or for the appointment of a receiver or trustee, or for any other remedy under the Indenture, unless:

| • |     | such holder has previously given written notice to the Trustee of a continuing event of default with respect to 
 the Notes;                                                                                                      |

| • |     | the holders of not less than 25% in aggregate principal amount of the outstanding Notes have made written request           
 to the Trustee to institute proceedings in respect of such event of default in its own name as Trustee under the Indenture; |

| • |     | such holder or holders have offered to the Trustee reasonable indemnity satisfactory to the Trustee against the 
 costs, expenses and liabilities to be incurred in compliance with such request;                                 |

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| • |     | the Trustee for 60 days after its receipt of such notice, request and offer of reasonable security and indemnity 
 has failed to institute any such proceeding; and                                                                 |

| • |     | no direction inconsistent with such written request has been given to the Trustee during such 60-day period by the holders of a majority in principal amount of the outstanding Notes. |

In any event, the Indenture provides that no holder of Notes shall have any right in any manner whatever by virtue of, or by availing of, any provision of the Indenture to affect, disturb or prejudice the rights of any other of such