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Investor Presentaiton

Expertise in Key Lending Verticals Contributes to Our Favorable Asset Quality We conduct extensive lending operations through our network of 229 branches and 12 loan production offices: Real Estate Specialties Group ("RESG") is a nationally recognized leader in commercial real estate construction and development finance. ➤ Our Community Bank originates loans through commercial (generalist) lenders and specialty lending teams. Indirect RV & Marine lending is a nationwide business originating consumer loans through an extensive dealer network. Other lending teams with a national focus include our Asset Based Lending Group ("ABLG") and our Corporate and Business Specialties Group ("CBSG"). 5 Bank OZK

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