Collin French - We Make it Simple. You Make it Home.

We Make it Simple You Make it Home.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Centennial Bank Commerce Center Riverdale 1301 Rebsamen Park Road | Little Rock, AR 72202 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

MY100BANK.COM

Centennial Bank / A Home BancShares Company / All loans subject to property and credit approval.

12.22 10.21

Your Mortgage Loan Steps

Steps required for a typical residential mortgage. Timing and steps vary according to your personal circumstances.

Step 1

Appraisal & Title Ordered

Credit Pre-qualification Review Borrower Delivers the Intent to Proceed Credit Report Ordered

Step 3

Pre-Qualification Provided

File Reviewed by Loan Processor

Purchase Contract Received

Appraisal & Title Work Received Loan Package Submitted to Underwriting

Step 2 Finalize Loan Application

Lock Interest Rate

Loan Documents Ordered

Step 4 Loan Documents Prepared & Sent to Settlement Agent Loan Documents Signed & Returned Loan Funds

Move in Congratulations!

You’re a homeowner!

Gather Conditions

Receive Final Loan Approval

Borrower Receives Loan Estimates

Borrower Receives Closing Disclosures

Home Inspection Completed

Notify Realtors, Borrowers & Settlement Agent

All loans subject to credit and property approval.

Call me anytime to get started. I look forward to helping you accomplish your goals.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

12.22

The Perfect Time To Buy With low mortgage rates, there has never been a better time to buy a home.

Owning

Renting

 Value of home may increase over time

 An increase in the value of rental property

 Stable monthly mortgage costs*

may lead to higher rent  Rent payments can increase each year  No mortgage interest or real estate taxes are paid directly by the renter, so renter may not take deductions

 Renter does not gain equity

 Building equity

 Mortgage interest and real estate taxes

may be tax deductible**  Feeling of stability and permanency  More privacy  Freedom to live by your own rules  Adapt home to fit personal needs

VS.

 Leases to be renewed, depending on landlord  Close neighbors, landlord intrusion  Must live by landlord rules  Must negotiate any changes with landlord

Centennial Bank has many kinds of mortgages available. With the advantage of a variety of mortgages, I can provide my customers the mortgage that will best fit their needs. Centennial Bank can provide financing for your purchase that includes, but not limited to conventional, FHA/VA, assist bond, first time home buyer programs, fixed, and adjustable rates. * Depending on type of mortgage. Adjustable rate mortgages periodically adjust at the stated adjustment period and payments may fluctuate. Amounts due for taxes and insurance premiums may also vary. ** Please consult a tax professional about your individual tax situation.

All loans subject to credit and property approval.

Call me anytime to get started. I look forward to helping you accomplish your goals.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

Centennial Mortgage Affinity Program 1.23

Benefits

Qualified borrowers can receive $1,025 in lender credit applied toward origination charges. This credit must be applied prior to other credits.

Law Enforcement

Full-time law enforcement employees serving in local, state or federal agencies. This includes police officers, state troopers, deputies, dispatchers, probation officers, detectives, administrative staff, etc. Exclusions: Temporary employees, contract employees, part-time employees.

Emergency Medical Services

Full-time employees serving in federal, state or local government emergency medical department or a private EMS department. Eligible workers include: emergency medical technician, licensed paramedic, emergency care attendant. Exclusions: Temporary employees, contract employees,,

part-time employees and volunteers.

Firefighter

Full-time employees serving in federal, state or local government firefighting agencies. Examples of eligible workers include: firefighter, fire educator, fire trainer, fire inspector, arson investigator, fire administrator.

Exclusions: Temporary employees, contract employees, part-time employees and volunteers.

Nursing

Full-time and licensed or certified employee providing nursing at a: Public or private hospital or public or private practice clinic, Contract nursing, i.e., travel nursing care or home health nurse. Examples of Full-time employees include: Registered Nurse, Licensed Practical Nurse, Nurse Practitioner, Nurse Anesthetist, Nurse Manager, Physician Assistant, Nursing Assistant (CNA).

Exclusions: temporary employees, part-time employees and volunteers.

Education

Full-time public school district employees and full-time state or federal accredited private/ charter school employees are eligible — including teacher, nurse, librarian, guidance counselor, janitor, cafeteria staff, teachers aide or administrative employees. Exclusions: substitute or

temporary employees or academic levels beyond high school.

Eligible Borrowers to receive a lender credit equivalent to our Processing and Underwriting fees. Lender credit to be applied by Secondary Market upon processing and underwriting receipt and review of written verification of employment. Available to those Eligible Borrowers who satisfy one of the above criteria and who submit a mortgage application to Centennial Mortgage Loan Originator, after 1/1/23 and prior to 12/31/23. Employment will be verified through written verification of employment completed within 30 days of underwriting approval. Eligible property is the primary residence for the premises being purchased or refinanced upon closing. Affinity program cannot be combined with any other Centennial Bank incentive program (other than First Time Home Buyer). All loans must meet Centennial Bank and/or Secondary Market lending guidelines and additional restrictions may apply. All loans subject to credit and property approval.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

We make it simple.

You make it home.

Now offering a First Time Homebuyer Education Course Credit $500 off closing costs Centennial Bank NMLS #466091. Eligible borrowers include First Time Homebuyers who purchase a primary residence and complete a Homebuyer Education Course. Eligible borrowers will receive a $500 Lender Credit. All loans subject to credit and property approval. Only one occupying borrower needs to complete the course for credit. Only one First Time Home Buyer education course credit applied per loan (not per borrower). Subject to applicable lending program rules including, but not limited to, minimum contribution and maximum interested party contribution requirements. Credit provided at closing on Closing Disclosure. Borrower cannot receive cash back at closing and the credit cannot be applied to principal. Can be used in conjunction with Affinity or Home Builder Borrower Incentive Programs. Applicable to applications received on or after 9/1/22, but prior to 12/31/23.

Exclusions: Borrowers who have owned a residence in the past 3 years and Eligible Borrowers who have not completed a qualifying First Time Homebuyer Education course and have not provided the Certificate or Course Completion Code to a Centennial Bank Mortgage Loan Originator. Non-occupying First Time Homebuyers are ineligible. Refinances are ineligible.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

Centennial Bank’s

04.22

Professionals Program In honor of your dedication and strong commitment to your profession, we are offering a

customized loan program for you.

ELIGIBILITY*

• Attorney • Certified Public Accountant • Doctor • Medical - MD • Osteopathic - DO • Podiatric - DPM • Dental Surgeon - DDS • Dentist - DMD • Optometrist - OD

PROGRAM HIGHLIGHTS • Up to 100% Financing for Primary Residence* • Purchase or Refinance* • Construction or Renovation Loans* • Mortgage Insurance Not Required • Second Home Financing Options Available

*Restrictions apply, consult your mortgage loan originator for additional details.

All products herein are subject to credit and property approval. Program terms & conditions including interest rates, annual percentage rates (APRs) and points or fees are subject to change without notice. Your APR will vary based on your final loan amount and applicable finance charges. Not all products are available in all states or for all amounts; consult your mortgage loan originator for additional details. There are no restrictions to the length of time since the medical professional has completed their residency.

Let us help you find the perfect loan to meet your personal & professional financial goals.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

12.22

MORTGAGE

Centennial Bank Dream Loan

Centennial Bank is excited to offer the Dream Loan program to borrowers who would not otherwise qualify for more traditional mortgage loan products such as FHA, VA, USDA/RD, Conventional Programs or Down Payment Assistance.

BASIC LOAN FEATURES • Fully amortized fixed rate mortgage • No Down-payment required - 100%LTV • No Reserves required • Home Warranty or 2-10 Home Warranty required on all loans • Seller may pay ALL reasonable and customary closing costs & pre-paids if applicable • Escrows required on all loans • Mortgage Insurance is NOT required • Property and/or borrowers must meet additional criteria based on subject property’s Area Median Income • Loan amount subject to FHA maximum guidelines • Purchase loans only

ELIGIBLE BORROWERS • All Borrowers must occupy the property as their primary residence • All Borrowers must complete a homebuyer education course through a HUD approved program or FHLMC home-buyer counseling list.

ELIGIBLE PROPERTIES • 1 Unit Single Family, attached and detached properties • PUD’s • Condo’s (must meet FHA/FNMA guidelines) CITIZENSHIP • Eligible for US Citizens • Permanent resident aliens, • Non-permanent resident aliens with unexpired H1B Visas • No foreign nationals • Up to 90% loan-to-value: Possesses an Individual Tax ID Number (ITIN)

Some property exclusions and restrictions apply. All products herein are subject to credit and property approval. Program terms & conditions including interest rates, annual percentage rates (APRs) and points or fees are subject to change without notice. Your APR will vary based on your loan amount and applicable finance charges. Products are not available for all amounts; consult your mortgage loan originator for additional details. Down Payment Sources: Funds required for the down-payment may be gift funds from an eligible donor or from a government-sponsored Down Payment Assistance. If gift funds are used, a minimum of 5% borrower contribution must be included.

Keep Centennial in mind as you support your customers’ dreams. Call to get started.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

10.22 11.22

Arkansas Development Finance Authority Programs owning your home not just a dream, but a reality. Talk with us today about how we can help you accomplish your goals.

• No first-time homebuyer requirement • Qualifying Income Limit of $137,000.00 • Can be used with DPA or ADDI • When using with ADDI, borrowers must comply with ADDI income limits and guidelines.

• Does require Pre-Purchase Homebuyer Education Class for Conventional loans if both borrower(s) are first time home buyers • Can be used with Mortgage Credit Certificate (MCC) for a first-time homebuyer if available • Borrowers are allowed to own other property • Can be use with Conventional, FHA, VA, RD. Borrower must meet program guidelines.

• Purchase Money transactions. Primary residences only.

ARKANSAS DREAM DOWN PAYMENT

• Second mortgage loan is forgivable at 1/60th per month over 5 year term • No first-time homebuyer requirement • Requires Pre-Purchase Homebuyer Education Class • Household income must be 80% of Area Median Income or below • Must be used with “ADFA Move-Up” Loan Program • Cannot be used for repairs, principal reduction or to pay debt to qualify • Second mortgage loan up to $15,000 • Can only be used with “ADFA Move-Up” Loan Program • No first-time homebuyer requirement • Cannot be used for repairs, principal reduction or to pay debt to qualify • May require Pre-purchase Homebuyer Education Class

• ADDI provides up to $25,000 in direct assistance to eligible buyers toward down payment, closing costs, and/or principal reduction (i.e., reducing the first mortgage to a level where the monthly payment is affordable).

Call me anytime to get started. I look forward to helping you accomplish your goals.

Jane Smith

Jane Doe

*Some restrictions and eligibility requirements apply. Credit and collateral are subject

to approval. Program, rates, terms and conditions are subject to change without notice.

restrictions and mortgage eligibility loan requirements NMLS #123456 Products are not available for all*Some amounts; consult your originatorapply. for Credit and collateral are subject to approval. Program, Centennial Bank additional details. rates, terms and conditions are subject to change Tel 501.123.4567 *Some restrictions and eligibility requirements Mortgage Loan Originator | NMLS#1234567 without notice. Products are not available for all Cell 501.123.1234 apply. Credit and collateral are subject to amounts; consult your mortgage loan originator for Tel:St.,555.555.5555 | Cell: 555.555.5555 100 First Your City, Originator FL 12345 approval. Program, rates, terms and conditions Mortgage Loan

Collin French

123 Your Street jsmith@my100bank.com Centennial Bank | NMLS # 1903024 AR 77777 OfficeCity, 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com email@my100bank.com

additional details. Not all buyers will qualify for the maximum assistance amount.are subject to change without notice. Products are not available for all amounts; consult your

BankYou make it home.

We make it Centennial simple.

mortgage loan originator for additional details.

Not all buyers will qualify for the maximum assistance amount.

MY100BANK.COM | A HomeBancShares Company (NYSE: HOMB) MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB) B15

1.23

2023 HELP Program Funds made available annually through FHLB Dallas — Limited Funding up to $15,000 per homebuyer — General Guidelines • First Time Homebuyer Requirement: must not have owned a home in the last 3 years • Primary residence only • Income Requirement: 80% or less of the Area Median Household Income • Funds Qualifications: $500 Borrower Contribution and no cash back at closing General Program Qualifications • 5 year Retention agreement: Must sign 5 year retention agreement • Homebuyer Counseling Course: All borrower(s), prior to closing •H ousehold Income: Restricted by 80% household AMI; anyone permanently residing in home must be included in income calculation; co-borrower(s) allowed for credit purposes only •N on-Occupant Co-borrowers: Not allowed to include income from non-occupant co-borrower(s). All occupying borrower(s) must qualify based on income limitations.

All loans are subject to credit and property approval.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

Manufactured Homes Loan Program Centennial Bank is excited to offer the Manufactured Homes Loan Program to Borrowers.

ELIGIBLE TRANSACTIONS include purchase,

rate/term refinance, Conventional, FHA, and VA programs.

ELIGIBLE PROPERTIES include types of manufactured homes classified as 1 unit, real property, and attached to a permanent foundation.

OCCUPANCY REQUIREMENT includes primary residence or second home.

Some restrictions & eligibility requirements apply. Credit & collateral are subject to approval. Program, rates, terms and conditions are subject to change without notice. Consult your mortgage loan originator for additional details. All loans are subject to credit and property approval.

Keep Centennial in mind as you support your customers’ dreams. Call to get started.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

12.22

MORTGAGE

Centennial Bank Pre-Approval Program Our commitment is to provide an unparalleled customer experience utilizing a Pre-Approval process. We provide a thorough review so that you are more prepared when commiting to a purchase contract.

• Borrower requested pre-approval • Eligible for purchase transactions only • Pre-Approval only applies where a subject property address has not been identified • Lender provides written conditional approval letter to the applicant • Pre-Approval based on proposed sales price, loan amount, and payment amount as presented to Underwriting at time of Pre-Approval.

Keep Centennial in mind as you support your customers’ dreams. Call to get started.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

Requests for Pre-Approval must be submitted by the borrower and are only eligible for purchase transactions where a property address has not been identified and is “to be determined.” Refinances are ineligible. The lender completes a comprehensive analysis of the applicant’s creditworthiness. The underwriting is similar to that used to evaluate traditional mortgage applications. If an applicant is pre-approved, lender provides a written conditional approval letter to the applicant and is valid for a stated period of time for up to a specified amount.

All loans are subject to credit approval and property eligibility restrictions. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

12.22

MORTGAGE

Have you or your spouse served our great nation?

Would you like to purchase a home or interested in refinancing?

Centennial Bank is a VA APPROVED LENDER PURCHASE & CASH-OUT REFINANCE*

STREAMLINE REFINANCE

• Available to US Service Members, Veterans and Eligible Spouses

• VA to VA refinance

• 100% financing available for eligible veterans with full entitlement.

• May be done with no money out of pocket

• Competitive interest rates • No monthly private mortgage insurance • Closing costs may be paid by the seller • No pre-payment penalty *VA loans only apply to a primary residence. Minimum credit scores and maximum loan limits apply. Not all applications may qualify. Some products may not be available in all states. Credit and collateral are subject to approval. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Terms and conditions apply. All rights reserved.

Contact me anytime to get started. I look forward to helping you accomplish your goals.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

USDA Rural Development Loans Basic loan features: - 100% financing - Seller contribution up to 6% - No down payment required - Maximum loan amount up to 102% of appraised value - Income limits and property eligibility requirements - No prepayment penalty - 30 year, fixed rate All loans are subject to credit and property approval.

11.22

Contact me anytime to get started. I look forward to helping you accomplish your goals.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

12.22 08.21

Turn your VISION into REALITY

WE OFFER

Lot Loans + One -Time Construction to Permanent Financing

Let Centennial Mortgage guide the way.

You have plans. We can help you get started TODAY! *All loans are subject to credit approval and property eligibility restrictions.

This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

BUILDING A HOME? 12.22 07.21

You have plans. We can help you get started.

Stress-Free Home Building Centennial Bank offers a construction to permanent program, with guided assistance from one of our experienced professional lenders every step of the way. With one-time closing and our expertise, you can enjoy customizing your new home. *

Construction Perm Loans

Enjoy the following features: • One-time close • Primary residences and second homes • Buyers charged interest on funds as they are drawn to build during construction

We are here for you. * Requirement for qualified builder to be approved by Centennial Bank.

All loans subject to credit and property approval.

Call me anytime to get started. I look forward to helping you accomplish your goals.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

Centennial Bank’s Home Builder Incentive Program for Borrowers Centennial Bank is proud to offer an exclusive program for Borrowers who purchase or build with a participating Home Builder. We partner with Home Builders in Alabama, Arkansas, Florida, and Texas. Builder must be approved as a participating builder, prior to borrower locking an interest rate with a Centennial Bank Mortgage Loan Originator.

PROGRAM ADVANTAGES*

• L ender Credit Eligible borrowers will receive a Lender Credit equal to 1% of the loan amount, up to $3,000 to be used towards closing costs and to lower interest rate.

• C omprehensive Eligibility Multiple property types are eligible for participation.

Program applies to purchase transactions as well as construction to permanent loans.

Loan programs include: Fannie Mae, Freddie Mac, FHA, VA, USDA, Portfolio, Jumbo, and Construction to Permanent.

Contact a Centennial Bank Mortgage Loan Originator today for additional information on the program and full details on Home Builder Program eligibility.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

* Credit applied at closing. These credits can be used to lower the interest rate on the loan or apply towards closing costs and can give a significant savings to the borrower. Borrower cannot receive cash back at closing and the credit cannot be applied towards the principal. This is only a credit to the borrower and not a credit to the Builder in any way, and is not and cannot be construed as an item of value to the Builder. This program cannot be combined with other Centennial lending programs unless expressly stated in the terms of such program. All loans are subject to credit approval and property eligibility restrictions. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. State Housing Authority products are ineligible for this offer. Spec homes are excluded. Builder must be approved as a participating builder, prior to borrower locking an interest rate with a Centennial Bank Mortgage Loan Originator.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

Here are some helpful “Do’s and Don’ts” when applying for a mortgage…

DO  Keep originals or be able to access on your employer/ bank sites all pay-stubs, bank statements and other important financial documents.  Provide your Earnest Money Deposit from your own personal bank account or acceptable gift funds. Please talk to your Loan Consultant for additional clarification. This will present a very difficult problem if not managed properly in the beginning.  Provide all documentation for the sale of your current home, including sales contract, closing statement, employer relocation/buy-out program if applicable.

12.22 08.21

DON’T  Close or open any asset accounts or transfer funds between accounts without asking your Loan Consultant about the proper documentation required for your loan. For example, before transferring all funds from your savings to your checking, check with your Loan Consultant.  Deposit any monies outside of your automated payroll deposits, particularly cash or sale of personal property, without notifying your Loan Consultant. Many guidelines require substantial documentation as to the source of these deposits.  Change jobs/employer without inquiring about the impact this change might have on your loan.

 Notify your Loan Consultant if you plan to receive gift funds for closing. Gift funds are acceptable only if certain criteria are met. Advances from credit cards for down payment/ closing costs are never acceptable.

 Make major purchases prior to or during closing such as new car, furniture, appliances, etc. as this may impact your qualifying amount.

 Notify your Loan Consultant of any employment changes such as recent raise, promotion, transfer, change of pay status, for example, salary to commission.

 Open or increase any liabilities, including credit cards, student loans or other lines of credit during the loan process as it may impact your qualifying amount.

 Be aware that a new credit report could be pulled just prior to closing.

NOTE: All loans subject to credit and property approval.

Call me anytime to get started. I look forward to helping you accomplish your goals.

Collin French

Mortgage Loan Originator Centennial Bank | NMLS # 1903024 Office 501.603.3815 | Cell 501.743.8037 AFrench@my100bank.com

We make it simple. You make it home.

MY100BANK.COM | Centennial Bank | A Home BancShares Company (NYSE: HOMB)

Centennial Bank