Page 1 of 4Rev. 05/2023

ELECTRONIC FUND TRANSFERS

Your Rights and Responsibilities

Member FDIC ozk.com

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Introduction

Using Your Card

CardFree Cash

Apple Pay, Samsung Pay, Android Pay

Visa Account Updater (VAU)

Overdraft Using Your Card

Preauthorized Payments

My Change Keeper

Types Of Transfers and Frequency

General Limitations

Unauthorized Transfers

Error Resolution

The Electronic Fund Transfers we are capable of handling for consumers are indicated below,

some of which may not apply to your account. Some of these may not be available at all

terminals. Please read this disclosure carefully because it tells you your rights and obligations

regarding these transactions. You should keep this notice for future reference.

Introduction

"Bank", "we", "our", and "us" refer to Bank OZK

Defining words in this agreement

"You" or "your" refer to the owner and, if applicable, the co-owner and/or the guarantor.

"Use" refers to any presentation of the Card or disclosure of its associated card number or

PIN in any manner, or the keying of any username, password or security code, which

permits any person to purchase products or services or to withdraw or transfer funds or

make payments.

"Business day" refers to Monday through Friday excluding federal holidays.

"Overdraft" refers to when the account has a negative balance.

"Card" refers to all consumer debit cards and ATM cards that are issued to the customer.

PIN (Personal Identification Number) refers to an identifying number required to use a

Card.

"Available Balance" is the amount of money in your account, minus any holds (such as

outstanding debit card authorizations) and deposits that are not yet available due to our

funds availability policy. It does not include checks you've written that have not yet cleared,

pending online bill pay transactions, or pre-scheduled debits (e.g. health club dues

automatically debited from your account at a certain time each month).

"Account" refers to all types of consumer deposit account(s) for which you may obtain a

debit card/ATM card.

Using Your Card

Table 1 shows how you can use your Bank OZK debit card to make

purchases and payments, use ATMs, and make transfers. Please

note that some services described below may not be available at all

ATMs.



Actions

How you can purchase or pay

Use your Bank OZK Card at merchants who

accept payments through a network in which

the Bank participates (Visa)

Use your Bank OZK Card to pay bills directly

to merchants or others

Request cash back after making a PIN-based

transaction at a merchant that offers this

service

Use your Bank OZK Card through a mobile

device at participating merchants that accept

mobile payments

Bank OZK ATMs

Non-Bank OZK ATMs (Fees may apply)

View your account(s) balances

Withdraw cash

Transfer funds between Bank OZK checking

and savings accounts

Make deposits to your Bank OZK accounts (At

participating ATMs; not available for Health

Savings Accounts)

View your Bank OZK Account balances (fees

may apply)

Table 1

Debit

Card

ATM

Card

Where you can withdraw money

What you can do at Bank OZK ATMs

What you can do at non-Bank OZK ATMs

Withdraw cash (fees may apply)



Non-Bank OZK ATMs are operated by someone other than Bank OZK. You may

use your Bank OZK debit card to withdraw cash, check balances, and transfer

funds between accounts linked to your Bank OZK debit card. Some options may

not be available at all non-Bank OZK ATMs or may have a withdrawal limit.

Fees for using your debit card

When you use an ATM not owned by us, you may be charged a fee by the ATM

operator or any network used (and you may be charged a fee for a balance

inquiry even if you do not complete a fund transfer).

In addition, you will be charged $2.50 fee by Bank OZK.

Table 2 shows the fees that may be assessed with your Card.

Table 2

Activity Fees

Stop Payment

Foreign ATM Transaction*

Card Replacement

Personal Debit

Card

ATM

Card

International Transaction (currency conversion)

International Transaction (no currency

conversion)

$35

$2.50

N/A

$2.50

*Additional fee may be charged by ATM owner/operator.

Currency Conversion - Visa

When you use your Card with the Visa logo at a merchant that settles in

currency other than US dollars, the charge will be converted into the US dollar

amount. The currency conversion rate used to determine the transaction amount

in US dollars is a rate selected by Visa from a range of rates available in

wholesale currency markets for the applicable central processing date, which

rate may vary from the rate Visa itself receives or the government-mandated

rate in effect for the applicable central processing date, in each instance, plus or

minus any adjustment determined by Bank OZK. The conversion rate in effect

on the processing date may differ from the rate in effect on the transaction date

or the posting date

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Foreign ATM Balance Inquiry

$2.50 $2.50

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Member FDIC ozk.com

Important Additional Fee Notice

Visa charges an International Service Assessment Fee (ISA) on all

international transactions. Therefore, transactions completed with

your Visa Card will be subject to an ISA Fee of 3.000% of the

transaction amount when there is a currency conversion. If there is no

currency conversion (the transaction is completed in the same

currency as your country as cardholder), the ISA Fee will be 3% of

the transaction amount. The ISA Fee applies to transactions

conducted in a country outside of the United States of America,

Puerto Rico or the US Virgin Islands.

Daily limits for using your Card

You may use your Card until you reach the lesser of 1) your daily

ATM withdrawal limit and daily purchase limit, or 2) your Available

Balance in your Account.

Daily ATM withdrawal limit

is the maximum amount of cash you may

withdraw from the account or accounts associated with the Card at an

ATM.

You may not exceed $500 in withdrawals per day

Daily purchase limit

is the maximum amount of money that can be

debited from the primary account associated with the debit card.

Purchase goods in person, by phone, or by computer

Pay for services in person, by phone, or by computer

Get cash from a merchant if the merchant permits, or from a

participating financial institution

You may not exceed $5,000 in transactions per day

Revocation of the Card

Bank OZK may revoke your Card and Account at any time. All Cards

are the property of Bank OZK and must be surrendered to Bank OZK

upon demand. For fraud prevention, Cards will be revoked after 12

months of card inactivity.

CardFree Cash

CardFree Cash allows Account holders without a physical card to

immediately access cash at a participating ATM.

No POS transactions are permitted

Cash withdrawals from checking/savings accounts up to $500

per day

Limited ATMs nationwide. Please visit popmoneylocator.com

for eligible ATMs

Standard ATM fees apply.

Apple Pay, Samsung Pay, Android Pay

Mobile apps allow the customer to pay for goods and services at

participating merchants without a physical card by simply tapping or

waving a smartphone to the card reader terminal. The smartphone

uses NFC (near-field communication) technology to communicate

with the register by submitting the customer's Card information stored

in the mobile app.

Apple Pay Enrollment

The customer must be signed into iCloud using his or her Apple ID. In

the selected iOS device, go to wallet and click to add a debit card.

Then follow the on-screen steps to add the Card information. The

Bank will then verify the information and authorize the Card to be

added to Apple Pay

Samsung Pay Enrollment

The customer must be signed into his or her Samsung account and

then agree to all of the Terms of Service. A verification method must

be assigned: either fingerprint or 4-digit Samsung Pay PIN. Once

verification method is assigned, then click to add a debit card.

Samsung Pay will automatically detect the number and expiration

date on the Card by aligning the Card within the view frame. If the

information is not detected, the information can be entered manually.

To authenticate the customer's identity, a onetime password will be

sent, based on the user's selection, within a text message, an email,

or by a phone call.

Android Pay Enrollment

The customer must be signed into his or her Google Account, provide requested

information, and add a debit card to the Android Pay app. Android Pay will check

to ensure the Card's issuer supports the Service and whether the Card itself is

eligible to be used with Android Pay. Click to accept the Terms and Conditions.

Android Pay stores a "virtual account number" that represents the Card's actual

Card number.

Visa Account Updater (VAU)

Visa Account Updater (VAU) enables the electronic exchange of updated account

information among participating merchants, acquirers, and Visa Card issuers.

VAU delivers updated cardholder account information to a merchant with

authorization to bill for recurring payments in a timely, efficient and cost effective

manner. If a merchant participates in this service, the merchant will receive the

updated debit card information. If your debit card is reported as fraudulent, your

Card will not be provided to the VAU service. Since not all merchants subscribe

to this service, it will be the customer's responsibility to notify each merchant with

the new debit card number and expiration date to help ensure your next

automatic payment will go through.

Overdraft Using Your Card

Customers must meet Bank qualifications and opt-in to allow overdrafts at ATM

and point-of-sale for debit card transactions against unavailable funds. With

Bounce Proof Plus, enrolled account holders are allowed to use overdraft

protection for everyday debit card purchases and ATM withdrawals. Enrolling in

Bounce Proof Plus permits debit card purchases to be approved even if the

account doesn't have enough money available at the time of purchase. An

overdraft fee of $35 per item will apply. Overdraft protection is a Bank courtesy;

overdraft transactions may or may not be paid at the Bank's discretion. See the

Schedule of Fees and "What You Need to Know about Overdrafts and Overdraft

Fees."

Preauthorized Payments

The following explains your rights for recurring payments.

Right to stop payment and procedure for doing so:

If you have told us in advance to make regular payments out of your account,

you can stop any of these payments. Here's how: call or write us at the

telephone number or address listed in this disclosure, in time for us to receive

your request 3 business days or more before the payment is scheduled to be

made. If you call, the Bank may also require you to put your request in writing

and get it to us within 14 days after you call. You may not stop payment on an

item you purchased or a charge already pending on your account. The Bank will

charge $35 for each stop payment.

Notice of varying amounts

If these recurring payments vary in amount, the person you are going to pay will

tell you 10 days before each payment, when it will be made and how much it will

be. (You may choose instead to get this notice only when the payment would

differ by more than a certain amount from the previous payment, or when the

amount would fall outside certain limits that you set.)

If you try to cancel your debit card instead of either stopping the payment

through the merchant or with Bank OZK, the recurring payment could still post to

your debit card.

My Change Keeper

When you enroll in the My Change Keeper savings service, the Bank rounds up

the amount of any Visa debit card purchase made by you or any Visa debit

cardholder of your Checking Account to the next whole dollar amount in excess

of the purchase price, and/or any additional amount you selected, and transfers

that amount from your Checking Account to the designated savings or checking

account(s).

Other Types of Transfers

Preauthorized Credits

You may make arrangements for certain direct deposits to be accepted into your

checking or savings accounts.

Preauthorized Payments

You may make arrangements to make payments from your checking account.

Telephone Transfers

You may access your accounts by telephone at 1-800-536-0897 using a

touch-tone phone, your account numbers, and your security code to:

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Get checking, savings, or loan account information

Transfer funds between checking and savings accounts

Make payments from checking or savings to loan accounts with

us.

ATM Transfers

You may access your accounts by ATM using your ATM or Visa

Check Card and personal identification number (PIN) to:

Get checking or savings account information

Transfer funds between checking and savings accounts

Cash withdrawals from checking/savings accounts up to $500

per day

Make deposits to your checking or savings accounts through

limited Bank OZK ATMs (not available for HSA accounts).

Third-party checks or drafts deposited to Bank OZK ATMs may

not be accepted by us. If we accept a third-party check or draft

for deposit, we may require third-party indorses to verify or

guarantee their indorsements.

Cut-Off Times. Items deposited at applicable Bank OZK ATMs

before 5:00 p.m. (Central Time)* on a business day are

available in your account on the next business day. All ATM

deposit items submitted after 5:00 p.m. (Central Time) on a

business day or a day that is not a business day will be

available on the second business day after the day of the

deposit.

Other Transfers Using Your Visa Check Card

You may use your Visa Check Card number and a downloadable app

on your web-enabled cell phone, smartphone, computer, or tablet to

authorize a third party to transfer funds to or from your account.

Transfer withdrawal limits are: 15 transfers and $5,000 per day

Transfer deposit limits are: 20 transfers and $10,000 per day

Online and Mobile Banking Transfers

You may access your account(s) by web-enabled device by

accessing www.ozk.com, or downloading our Mobile Banking App,

and entering your User ID and password to:

Get information on all accounts tied to your Online Banking

service

Transfer funds between checking and savings accounts

Make Payments from checking or savings to loan accounts with

Make payments from checking to a third party via Bill Pay

Transfer funds between your account at another financial

institution and your account at Bank OZK

Next Day Inbound and Outbound transaction and daily limit:

$2,500

Standard Inbound and Outbound per transaction and daily

limit: $2,500

Outstanding limit- sum total of customer's pending and/or

unsettled transactions: $2,500

Monthly limit- sum total of customer's transactions in a given

month (30-day rolling limit): $5,000

Cut-Off times. Internal transfer completed through Online

Banking / Mobile Banking before 8:00 p.m. (Central Time) on a

business day is available in your account the same day. All

external transfers initiated after 7:00 p.m. (Central Time) on a

business day is available in your account the next business

day.

Mobile Deposit

Make a deposit into your checking and savings account using our downloadable

app on your smartphone or tablet.

Not available for OZK Pathway or HSA checking accounts

Transaction and daily limit minimum is $2,500

Cut-Off Times. Mobile Deposit items completed through Mobile Banking

before 5:00 p.m. (Central Time)* on a business day are available in your

account the same day. All mobile deposit items submitted after 5:00 p.m.

(Central Time) on a business day or a day that is not a business day will be

available on the next business day. *Subject to bank approvals.

Electronic Fund Transfers Initiated By Third Parties

You may authorize a third party to initiate electronic fund transfers between your

account and the third party's account. These transfers to make or receive

payments may be one-time occurrences or may recur as directed by you. These

transfers may use the Automated Clearing House (ACH) or other payments

network. Your authorization to the third party to make these transfers can occur in

a number of ways. For example, your authorization to convert a check to an

electronic fund transfer or to electronically pay a returned check charge may

occur when a merchant provides you with notice and you proceed with the

transaction. Typically, at the point of purchase, a merchant may display a sign

and/or print the notice on a receipt. In all cases, these third-party transfers will

require you to provide the third party with your account number and financial

institution information. This information can be found on your check as well as on

a deposit or withdrawal slip. Thus, you should only provide your financial

institution and account information (whether over the phone, the Internet, or via

some other method) to trusted third parties whom you have authorized to initiate

these electronic fund transfers.

Electronic Check Conversion

You may authorize a merchant or other payee to make a one-time electronic

payment from your checking account using information from your check to pay for

purchases or pay bills

General Limitations

In addition to those limitations on transfers elsewhere described, if any, the

following limitations apply: transfers or withdrawals from a savings/money market

account to another account of yours or to a third party by means of a

preauthorized or automatic transfer or telephone order or instruction, computer

transfer, mobile transfer, or by check, draft, debit card or similar order to a third

party, are limited to 6 per monthly statement cycle. Your account will be charged

$10 in addition to other fees and charges during each statement cycle in which

you exceed the transfer limitations. Refer to the Truth in Savings disclosure for

additional information.

Online/Mobile Banking Fees

See the Schedule of Fees and "What You Need to Know about Overdrafts and

Overdraft Fees."

Except as described within this disclosure, the Bank does not charge for

Electronic Fund Transfers.

Table 3 shows the fees assessed while using Bill Pay.

Table 3

Bill Pay- Rush/Same Day Electronic Delivery

$9.95

Activity

Fee

Documentation

Terminal Transfers.

You can obtain a receipt at the time you make a transfer to

or from your account using an automated teller machine or point-of-sale terminal.

You may not get a receipt if the amount of the transfer is $15 or less.

Preauthorized credits.

If you have arranged to have direct deposits made to

your account at least once every 60 days from the same person or company, you

can call us at the telephone number listed below to find out whether or not the

deposit has been made.

Periodic Statements.

You will get a monthly account statement from us, unless

there are no transfers in a particular month. In any event, you will receive a

statement at least quarterly.

Bill Pay- Rush/Overnight Check Delivery

$14.95

You may also access your accounts using Interactive Voice

Response (IVR) when you call the Customer Care Team at

1-800-274-4482 using a touch-tone phone, your account numbers,

and your PIN to:

Get checking, savings, or loan account information

Transfer funds between checking and savings accounts

Make payments from checking or savings to loan accounts with

us.

*Subject to bank approvals.

Financial Institution's Liability

Liability for failure to stop payment of preauthorized transfer.

If you order us

to stop one of these payments 3 business days or more before the transfer is

scheduled, and the Bank does not do so, the Bank will be liable for your losses or

damages.

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Unauthorized Transfers

Consumer Liability.

Tell us at once if you believe your Card and/or

security code has been lost or stolen. Telephoning us at

1-800-274-4482 (International: 1-833-405-6071) is the best way to

minimize your losses. You could lose all the money in your account

(plus your maximum overdraft line of credit). If you believe your Card

and/or security code has been lost or stolen, tell us within 2 business

days after the loss or theft and you can lose no more than $50 if

someone used your Card and/or security code without your

permission.

If you do NOT tell us within 2 business days after you learn of the loss

or theft of your Card and/or security code, and the Bank can prove we

could have stopped someone from using your Card and/or security

code without your permission had you told us, you could lose as

much as $500. If your statement shows transfers that you did not

make, tell us at once. If you do not tell us within 60 days of the date

the statement was mailed to you, you may not get back any money

you lost after the 60-day period if the Bank can prove that we could

have stopped someone from taking the money had you told us in

time. If a good reason (such as a long trip or a hospital stay) kept you

from telling us, the Bank will extend the time periods for a reasonable

period.

Visa Debit Card Additional Limits on Liability for unauthorized

transactions processed on the Visa network.

Unless you have

been negligent or have engaged in fraud, you will not be liable for any

unauthorized transactions using your lost or stolen Visa Card. This

additional limit on liability does not apply to ATM transactions outside

of the U.S., to ATM transactions not sent over Visa or Plus networks,

or to transactions using your Personal Identification Number which

are not processed by Visa. Visa is a registered trademark of Visa

International Service Association.

Contact in event of unauthorized transfer.

If you believe your Card

and/or security code has been lost or stolen, call or write us at the

telephone number or address listed at the end of this disclosure. You

should also call the number or write to the address listed at the end of

this disclosure if you believe a transfer has been made using the

information from your check without your permission.

Error Resolution Notice

In case of errors or questions about your electronic transfers, call or

write us at the telephone number or address listed below, as soon as

you can if you think your statement or receipt is wrong or if you need

more information about a transfer listed on the statement or receipt.

The Bank must hear from you no later than 60 days after the Bank

sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number

Describe the error or the transfer you are unsure about, and

explain as clearly as you can why you believe it is an error or

why you need more information

Tell us the dollar amount of the suspected error

If you tell us orally, the Bank may require that you send us your

complaint or question in writing within 10 business days.

The Bank will determine whether an error occurred within 10 business days (5

business days if the alleged error involved a Visa point-of-sale transaction

processed by Visa or 20 business days if the transfer involved a new account)

after the Bank hears from you and will correct any error promptly. If the Bank

needs more time, however, the Bank may take up to 45 days (90 days if the

transfer involved a new account, a point-of-sale transaction, or a foreign-initiated

transfer) to investigate your complaint or question. If the Bank decides we need

more time, the Bank will credit your account within 10 business days (5 business

days if involving a Visa point-of-sale transaction processed by Visa or 20

business days if the transfer involved a new account) for the amount you think is

in error, so that you will have the use of the money during the time it takes us to

complete our investigation. If the Bank asks you to put your complaint or question

in writing and we do not receive it within 10 business days, the Bank may not

credit your account. An account is considered a new account for 30 days after the

first deposit is made if you are a new customer. The Bank will tell you the results

within 3 business days after completing our investigation. If the Bank decides that

there was no error, the Bank will send you a written explanation. You may ask for

copies of the documents that the Bank used in our investigation.

Confidentiality

The Bank will disclose information to third parties about your account or the

transfers you make where it is necessary for completing transfers in order to

verify the existence and condition of your account for a third party, such as a

credit bureau or merchant, to comply with a government agency or court order, or

if you give us written permission.

By Phone

1-800-274-4482

International Number:

1-833-405-6071

By Email

[email protected]

Bank OZK

Digital Services

P.O. Box 196

Ozark, AR 72949

Monday through Friday from 7am to 7pm CT

Saturday from 7am to 4pm CT

Business days are Monday through Friday, excluding holidays

If, through no fault of ours, you do not have enough money in

your account to make the transfer

If the transfer would go over the credit limit on your overdraft

line

If the automated teller machine where you are making the

transfer does not have enough cash

If the terminal or system was not working properly and you

knew about the breakdown when you started the transfer

If circumstances beyond our control (such as fire or flood)

prevent the transfer, despite reasonable precautions that the

Bank has taken

There may be other exceptions not specifically stated in our

agreement with you.

Liability for failure to make transfers.

If the Bank does not

complete a transfer to or from your account on time or in the correct

amount according to our agreement with you, the Bank will be liable

for your losses or damages. However, there are some exceptions.

The Bank will not be liable for instance: