SmartFinancial Investor Relations Material

SmartFinancial, Inc., through its subsidiaries, provides banking and financial services to individuals and businesses in the United States. The company offers deposit products, such as checking accounts, savings accounts, money market accounts, and fixed rate certificates of deposits; and loans, including commercial real estate loans, construction loans, personal loans, lines of credit, term loans and leases, automated teller machines/debit cards; and investment services. It operates through a network of 46 branches located primarily in Tennessee and Alabama.