Member FDIC
Electronic
Communications
Disclosure
Effective
Date: February 1,
2014
Please read this Electronic
Communications Disclosure ("eCommunications Disclosure") thoroughly
-
It contains
important information about
your legal
rights.
This eCommunications Disclosure covers
all
of your accounts,
products,
and
services with Bank OZK and their affiliates (collectively, "we", "us", and "our")
accessible,
either currently or
in
the future, through
a
personal
computer. The words "I", "you" and "your" mean each
account
holder, product
owner
and/or service
user
identified
on an
account,
product
or
service.
(1)
Your
Legal
Rights
Certain laws
and
regulations require
us to
provide
specific information
to
you in writing, which means
you have
a
right
to
receive
that
information on
paper.
We may
provide
such information
to
you electronically
if
we first
present
this eCommunications
Disclosure
and
obtain your consent
to
receive
the information electronically. Your
consent
will also apply
to any
other person
named
on
your
account,
product
or
service,
subject
to
applicable law. At times,
we
may still send
you
paper communications,
but
as a
basic
proposition we
need
to
know that
you are willing
to
receive
communications electronically that we may
otherwise be
required
to
provide on paper
and that
you have
the hardware
and
software
needed
to
access
to
this information.
(2)
Types
of Electronic Communications You
May
Receive
You understand and
agree
that we may
provide
to
you in electronic format
only,
through e-mail using our
secure
e-mailing system
(if applicable and
if
you have
provided
a
valid
e-mail address), and
other
information and communications regarding your accounts,
services
and
products, your
relationship with us, and/or other programs, products
or services
tha
t
are
or
may
be
in the
future made
available
to
you (collectively,
"Communications"). Such
Communications may include,
but are
not limited to:
•
This
eCommunications
Disclosure and any updates;
•
Disclosures, agreements,
notices
and
other information related
to
the
opening
or initiation of
an
account,
product
or
service including,
but
not limited
to,
account agreements,
fee schedules or
other
disclosures or notices that may
be
required
by the Truth
in
Savings Act,
Electronic
Fund Transfer Act, Truth
in
Lending Act, the
Equal Credit
Opportunity Act,
the
Fair Credit
Reporting Act, the Gramm
Leach
Bliley Act, the
Real
Estate
Settlement
Procedures Act or other
applicable
federal
or state laws
and
regulations;
•
Periodic, annual, monthly or other statements, disclosures
and
notices relating
to
the maintenance
or
operation
of
an
account,
product
or service including, but
not
limited
to
account information, account activity, account inactivity,
payments
made
or
due, or other
statements required
by the Truth
in
Savings
Act, Electronic Fund Transfer Act, Truth
in
Lending
Act,
the Equal
Credit Opportunity Act, the Fair
Credit
Reporting Act,
the
Gramm Leach
Bliley
Act, the
Real
Estate
Settlement Procedures Act
or other applicable federal
or state laws and regulations;
•
Any
notice
or
disclosure regarding
an
account,
product or
service
fee,
such
as a
late
fee,
an
overdraft
fee,
an
overlimit
fee,
a
fee
for
a
draft,
check or electronic
debit returned
for
any
reason, such
as
insufficient funds
fee
or
a
fee
as a
result
of
a
stop
payment order;
•
Any
notice
of the addition of
new terms
and conditions or the
deletion or
amendment of
existing
terms
and
conditions
applicable
to
accounts, products or services
you
obtain from us;
•
Our Privacy Policy and
other
privacy
statements
or notices (by posting such notices on
our
website);and
•
Certain
tax
statements or
notices that we are legally required
to
provide
to
you, such
as
the
annual
IRS interest
statements;
and
•
Certain information or forms that we
request
from you
and ask
you
to
submit electronically, such
as
signature
cards,
W-9s,
or
other agreements.
(3)
Types
of Communications
You
Will Receive
in
Paper
This
eCommunications
Disclosure
does
not apply to
any communications that we
determine,
in our sole discretion,
that
we are
required
to
deliver in paper form under
applicable law
or that you should
receive
in
paper
rather than electronic form. Such
communications shall
be
mailed
to
the
primary
address we
show
for
you
in
our
records
or otherwise
delivered
as
required by law or
the
governing agreement.
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Rev. 7/2018
Member FDIC
(4)
Hardware
and
Software Requirements
While
you
may
be
able
to
access
and
retain the
Communications
using other
hardware
and
software,
we
currently support the
following
minimum requirements
and
you
should have
up-to-date
versions of software:
•
An
operating system, such as:
o
Windows
7, XP,
or
Vista; or
o
Macintosh
OS X
•
Sufficient free
disk
space on
a
hard
drive
to
retain documents;
•
A
modem or
other device allowing
connection
to
the
Internet;
•
An
Internet
browser that can
support
the service. Microsoft
Internet Explorer®,
Mozilla
Firefox®,
and Safari® (Apple,
Inc.®
browser), are examples;
•
An
established e-mail
account
and address
and
the
ability
to
access attachments
to
e-mail;
•
An
up-to-date
version of
Adobe®
Acrobat® Reader or
an
Adobe
Acrobat Reader
browser
plug-in. If you do
not
have
this software,
you
can
download
a
free
up-to
date
version
at
www.adobe.com;
•
An
up-to-date
version of
Adobe®
Flash® Player. If
you
do
not
have this software
you
can
download
a
free
up-to-
date
version
at
www.adobe.com/products/flashplayer
;
•
An
up-to-date
version of Java®,
if
you do not have this software you can
download
a
free up-to-date
version
at
http://java.com;
•
Modification of browser security for items such
as
“cookies”
may
be
required.
Most
Communications
are provided either in HTML and/or PDF
format.
For
Communications
provided
in
PDF
format, Adobe
Reader
6.0 or later versions is
required
- A
free copy of
Adobe
Reader
may
be obtained from the Adobe
website
at
www.adobe.com.
You are
responsible
for
providing
us
with
a
valid e-mail address
to
accept
delivery of Communications. You agree
that once
we
email
the
Communications
to
you that
we have delivered the
Communications
to you in
a
form
that
you can retain.
To
print
or
download Communications
you
must
have
a
printer connected
to
your device
or sufficient hard-drive or
other
storage
space
to
store
the
Communications.
(5)
How
to
Withdraw
Your Consent
to
this
eCommunications Disclosure
Subject
to
applicable law, you may withdraw
your consent
to
this eCommunications Disclosure by calling our toll-free
customer
service
phone
number (1-800-274-4482), your local branch, or loan officer.
You
will
not
be charged
a
fee
for
withdrawal
of your
consent. Your
withdrawal of
consent
is
effective
only
after you have communicated
your withdrawal
to
Bank OZK by calling
or
contacting the
Bank;
and Bank OZK has had
a
reasonable
period of
time
to
act
upon
your withdrawal. Your consent shall
remain
in
force
until
withdrawn in the
manner
provided
in
this section.
Consent Coverage; Certain
Notices From You
Are
Not
Covered
.
Applicable law
or contracts sometimes require you
to
give
us
"written" notices.
You
must still
provide these
notices
to us
on paper. Your
consent here
does
not
relate
to
those notices.
(6)
Obtaining
Copies
of
Electronic
Communications
You
may print
or
make
a
copy
of Communications
by using
the
"Print"
button
(or
otherwise using
your printing functionality)
or
saving
a
copy. Upon
request,
we will
provide you
with
a
paper copy of any Communications provided electronically by
us to
you
pursuant
to
this
eCommunications
Disclosure. You
may request
a
paper
copy of these
Communications
by calling
us
at
the
appropriate toll-free customer service
phone number
for
your
account,
product
or service.
Be sure
to
specify
your
account,
service
or product identification number,
as
applicable, the specific Communication
for
which you are requesting
a
paper copy,
and
the
address
to
which
it
should
be mailed. We may
charge fees for paper copies of the Communications.
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Rev. 7/2018
Member FDIC
(7)
Updating Your Contact
Information
In the event that
your e-mail
address or other contact information is changed, you must notify
us
of such changes immediately
through
one
of
the
following
methods:
•
Call
our
toll-free
customer service
phone
number
(1-800-274-4482)
and
communicate
the contact information changes.
•
Contact your local
branch or
Loan Officer.
If you fail
to
update
or
change
an
incorrect or invalid e-mail address or
other
contact information, you understand
and
agree that
any
Communications
shall nevertheless be
deemed to
have
been
provided
to
you
if
they
were
e-mailed
to
the
e- mail address we
have
for
you in our
records,
or delivered through other electronic
means.
(8)
Retain
Copies for
Your Records
We
recommend
that you
print or
download
a
copy of this
eCommunications
Disclosure, the applicable service agreement
and
all
other Communications
to retain
for your permanent
records;
if
you have not already
placed
a
copy of
our
Privacy
Policy in
your
records,
you
can obtain another copy of
our
privacy policy.
4
Rev. 7/2018
