Questions & Answers

What does this transaction mean to me?

• With federal regulatory approval, Bank of the Ozarks, Inc. acquired The First National Bank of Shelby on July 31, 2013.
• You will continue to do business with the bankers you know and trust.
• Your deposits are safe, sound and readily accessible.
• Please continue to conduct your banking business as usual. You should continue to make any regular loan payments with your current loan numbers and coupons.
• Your account numbers will remain the same, and you may continue to use your existing checks, debit cards, and other First National Bank products and services as normal, including online banking at www.ibankatfnb.com.
• We will notify you in writing in advance if there will be any changes to your accounts or banking activities in the future.

Who is Bank of the Ozarks?

Bank of the Ozarks is a strong and trusted financial institution chartered in 1903. It is noted for its excellent customer service, asset quality and strong earnings. Facts about Bank of the Ozarks:
• Named the Top-Performing bank in the nation by the ABA Banking Journal (2011, 2012).
• Rated as “well capitalized” - the highest available regulatory rating.
• Assets of $4.04 billion as of June 30, 2013.
• Publicly traded company on the NASDAQ Global Select Market, symbol OZRK.
• Headquartered in Little Rock, Arkansas.
• Chairman and CEO George Gleason has served in that capacity since 1979 and was named Community Banker of the Year by American Banker (2010).
• Operates 132 offices in Arkansas (66), Georgia (28), North Carolina (16), Texas (13), Florida (4), Alabama (3), South Carolina (1) and New York (1).
• We are successful because we have always been focused and remain focused on strong fundamentals of banking: great customer service, prudent lending practices and sound management.

Do I need to do anything about my First National Bank of Shelby bank account(s)?

You do not need to do anything at this time. You can continue banking exactly as you have in the past. You can continue to access your money by writing checks, using ATM and debit cards or online banking. Checks drawn on First National Bank will continue to be accepted. You should also continue to make your loan payments as usual.

How will this affect my account(s) and the way I do my banking?

• This transition will not affect your account(s) or the way you conduct your banking business. Being a Bank of the Ozarks customer means you can expect to have a high level of convenience and customer service unmatched in the marketplace, as well as access to 118 new banking offices. Over time, we will communicate any specific information regarding changes or added features to your accounts.
• If anything does require immediate attention or if anything does change, you will be notified at least 30 days in advance and we will be happy to walk you through any changes that may occur.

What about my online banking access?

• Please continue to access your online banking service just as you always have at ibankatfnb.com.

Will my checking/savings/CD account(s) number change?

• All account numbers will remain the same at this time. We will communicate with you in advance of any changes or added features to your accounts.

What about my direct deposits/Social Security?

• Your current arrangement for direct deposit, including Social Security checks, will continue as normal without interruption.

Is my money still safe?

• Yes! Your deposits with Bank of the Ozarks are safe, sound, and readily accessible. Current FDIC insurance covers deposits up to $250,000 per depositor.

Do I need to come into a branch to do anything special?

• No branch visit is required. However, if you do decide to visit us, you will find the same friendly staff here to service your needs.

Will there be any changes to my CDs or IRAs?

• Not at this time. We will notify you by U.S. mail of any changes to interest rates paid on time deposit accounts.
• If you currently receive interest payments, those payments will continue without interruption.

Who will send my 1098 and/or 1099 information after the end of the year?

• Bank of the Ozarks will be responsible for mailing your 1099 and/or 1098 tax information. These will be mailed no later than January 31, 2014.

Are there any changes related to my safe deposit box?

• No. It is business as usual. You may access your box during normal business hours or make appointments by calling the branch.
• The box location and fees charged will remain the same.

What about my loans?

• Your interest rate, payment amount and payment due date(s) have not changed. You will continue to make payments as you have in the past with your current loan number and coupons. If your payment is deducted from a deposit account, like a checking account, the payment deduction will continue as it has in the past. If you make your loan payments in person or via mail, please make your checks payable to Bank of the Ozarks and send your payments to the same address you have always used.

Will you continue to pay my escrows?

• All services previously performed related to your loan will continue. Should you receive notification that any portion of your taxes or insurance were not paid, please notify us immediately.

Will construction draws continue? Will my project be completed?

• Yes. It’s business as usual. However, if you have questions, please contact your loan officer.

Are there any changes to fees or charges due to this event?

• Not at this time. We will notify you in the event there are changes to fees.

Who is my lender and has my loan contact changed?

• You will continue to be serviced by the people who are familiar to you.

I have a loan currently in process. How is my loan impacted?

• We would be pleased to discuss any pending loans with you. Please contact your loan officer.

How and where do I make my payments?

• You should continue to make your payments as agreed. Please send your payments to the same address you have always used.

Who can I talk to if I have more questions about this transition?

• You may contact your local branch for answers to any questions.