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.
2
Rev. 7/2018