| --- | --- | --- | --- | --- | |-----------------------------------------------------------------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | INVESTOR CALL | | | | | | 4Q 2021 January 25, 2022, 10:00am ET Webcast: www.smartbank.com (Investor Relations) Audio Only: 1-844-200-6205 | | | | | | Access Code: 574606 Miller Welborn Chairman of the Board Billy Carroll President & CEO Ron Gorczynski CFO | | | | | | | | | | | | | | | | | 1 DISCLOSURES Fo ...