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Investor Presentaiton

Robust Stress Testing Even though the Economic Growth, Regulatory Relief and Consumer Protection Act of 2018 repealed portions of the Dodd-Frank Act stress testing requirements, we continue to conduct robust stress tests. B III Capital stress testing, including the most severe annual Federal Reserve stress scenario and six other scenarios, is completed annually Liquidity stress testing with five different scenarios is completed quarterly Commercial Real Estate ("CRE") stress testing is completed quarterly utilizing at least seven different scenarios These tests provide us excellent insight into our expected performance under a broad range of stress scenarios. I 23 Bank OZK

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