1038205--3/12/2008--BANK_OF_THE_OZARKS

related topics

{acquisition, growth, future}

{stock, price, share}

{loan, real, estate}

{condition, economic, financial}

{stock, price, operating}

{competitive, industry, competition}

{regulation, change, law}

{financial, litigation, operation}

{personnel, key, retain}

{loss, insurance, financial}

{provision, law, control}

{system, service, information}

{control, financial, internal}

{regulation, government, change}

RISKS RELATED TO OUR BUSINESS Our Profitability is Dependent on Our Banking Activities. We Depend on Key Personnel for Our Success. Our Operations are Significantly Affected by Interest Rate Levels. Our Business Depends on the Condition of the Local and Regional Economies Where We Operate. Our Business May Suffer if There are Significant Declines in the Value of Real Estate. We are Subject to Environmental Liability Risk Associated With Lending Activities. If We Do Not Properly Manage Our Credit Risk, Our Business Could Be Seriously Harmed. We Make and Hold in Our Loan and Lease Portfolio a Significant Number of Construction and Development and Other Real Estate Loans. We Could Experience Deficiencies in Our Allowance for Loan and Lease Losses. The Performance of Our Investment Securities Portfolio is Subject to Fluctuation Due to Changes in Interest Rates and Market Conditions. Our Recent Results May Not Be Indicative of Our Future Results. To Successfully Implement Our Growth and Branching Strategy, We Must Expand Our Operations in Both New and Existing Markets. We Face Strong Competition in Our Markets We Depend on the Accuracy and Completeness of Information About Customers and Counterparties. Our Internal Operations are Subject to a Number of Risks. We May Need to Raise Additional Capital in the Future to Continue to Grow, But That Capital May Not Be Available When Needed. RISKS ASSOCIATED WITH OUR INDUSTRY We are Subject to Extensive Government Regulation That Limits or Restricts Our Activities and Could Adversely Impact Our Operations. New Legislative and Regulatory Proposals May Affect Our Operations and Growth. The Earnings of Financial Services Companies are Significantly Affected by General Business and Economic Conditions. Consumers May Decide Not to Use Banks to Complete their Financial Transactions. RISKS ASSOCIATED WITH OUR STOCK Our Stock Price is Affected by a Variety of Factors, Many of Which are Outside Our Control. We Cannot Guarantee That We Will Pay Dividends to Stockholders in the Future. Certain State and/or Federal Laws May Deter Potential Acquirors and May Depress Our Stock Price. The Holders of Our Subordinated Debentures Have Rights That are Senior to Those of Our Stockholders. Our Directors and Executive Officers Own a Significant Portion of Our Stock. Our Stock Trading Volume May Not Provide Adequate Liquidity for Investors. Our Common Stock is Not an Insured Deposit

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1038205--3/12/2008--BANK_OF_THE_OZARKS_INC