What is CBAO? Community Bankers Association of Oklahoma 4101 Perimeter Center Drive, Suite 107 Oklahoma City, Oklahoma P:

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1 What is CBAO? The is a member-driven trade association. It is funded by the membership dues of community banks owned or chartered in the State of Oklahoma. Voting membership is not open to large, out-of-state mega-banks, even if they operate branches in Oklahoma. CBAO allows bankers to collectively accomplish many goals that would normally be unattainable with only the efforts of an individual banker or individual bank. CBAO fights proactively for legislation that would level the playing field for community banking, while at the same time maintaining a strong defense against costly and burdensome regulations. Since CBAO only allows community banks into membership, 100% of priority issues are on behalf of the community banking industry. The community banking industry will see more and more tremendous challenges in the years ahead. It is vital that Oklahoma community banks have an association whose only priority is what is best for the community banking industry. If you feel it is important to maintain the value of your banking franchise, to maximize the return on investment to your stockholders, and utilize every competitive advantage available, then become a member of CBAO. If you are a community bank, the is deserving of your support and asks for you to join paying very reasonable fair share dues. CBAO is governed by a board of directors consisting of up to 20 Oklahoma bankers: nine representing geographic areas around the state, an executive committee of four bankers along with the President and CEO of CBAO, and up to five at-large directors representing Oklahoma member banks regardless of geographic region. Craig Buford serves CBAO as its President and CEO. He joined CBAO in April of 2004 after spending two years in Austin, Texas with the Independent Bankers Association of Texas. Buford began his career as an agricultural lender and was a community banker for many years.

2 What can CBAO do for your bank? Employees of CBAO member banks utilize their association as a RESOURCE in many ways: Education: Training is a never ending struggle for community banks. A well trained staff provides your customers better service, protects bank assets and meets regulatory requirements. While so important, it is a constant challenge to have employees out of the bank for training. CBAO offers excellent bank employee training in forms of seminars, webinars, conferences and the annual convention. Legal and Compliance issues are always a concern for community bankers. CBAO members enjoy the opportunity to have two outstanding banking attorneys available at no cost to answer general banking questions. Whether it is an Oklahoma banking code question or a tough federal compliance issue, CBAO members become more competitive with this excellent additional compliance tool. CBAO strives to provide its members with the most up-to-date information. CBAO offers, Capitol Comments and Consumer Tips to keep you informed on the most recent legal and compliance issues. Government Relations is very important among community banks. Banking is a highly regulated industry, with many laws and regulations affecting daily activities. CBAO is your gateway to the legislative, regulatory, and legal resources for community banking. Endorsed Service Providers offer CBAO member banks an excellent resource for bank products and services. CBAO works with a few select companies that are the best in their field. This saves your bank valuable staff time on due diligence. Additionally, many companies offer discounts to CBAO member banks that are not available to non-member banks. CBAO s Convention is an excellent source for training, net-working, new ideas, and wonderful food and entertainment with fellow Oklahoma bankers. CBAO s Horizon Bankers keep members on the cutting edge of community banking through Leadership Training, Network Opportunities and Quality Education. The CBAO Horizon Bankers is designed for career-aspiring community bankers. The future of Oklahoma community banking depends on a new generation of bankers and community bank supporters progressive, energetic, community-minded and well-informed.

3 Leadership CBAO is governed by a board of directors consisting of up to 20 Oklahoma bankers: nine representing geographic areas around the state, an executive committee of four bankers along with the President and CEO of CBAO, and up to five at-large Directors representing Oklahoma member banks regardless of geographic region. CBAO Officers Chairman Guy Sims Shamrock Bank, N.A., Coalgate, OK Vice Chairman Keith Ventris Oklahoma State Bank, Guthrie, OK Treasurer Terri Mefford Great Plains National Bank, Hollis, OK Immediate Past Chairman Jack Dickey, Jr. Southwest National Bank, Weatherford, OK Secretary Craig Buford CBAO, Yukon, OK CBAO Board Members Don Abernathy The Bankers Bank, Oklahoma City, OK A.B Bayouth, Jr. Exchange Bank, Skiatook, OK Cynthia Blankenship Bank of the West, Irving, TX Jesse Cross American National Bank, Ardmore, OK Kelly Jordan Farmers State Bank, Quinton, OK Travis Dennett Bank of Vici, Vici, OK Michael George First State Bank, Waynoka, OK Paul Hill Legacy Bank, Elk City, OK Chris Jordan Farmers State Bank, Stigler, OK CBAO Ex-Officio Paul Foster CBAO Legal Counsel Paul Foster Law Offices, Norman, OK Jay Kempton Advantage Health Plans Trust Christopher Williston Independent Bankers association of Texas Charles A. McCall, III AmeriState Bank, Atoka, OK Bert Olah, Jr. Quail Creek Bank, Oklahoma City, OK Kirk Pittman First National Bank, Seiling, OK Mike Stidham The Peoples National Bank, Checotah,OK Randy Smith Advantage Bank, Spencer, OK Jack Stuteville First Capital Bank, Guthrie, OK Donald Wells American Exchange Bank, Henryetta, OK

4 Horizon Banker Officers Chairman Kelly Jordan Farmers State Bank, Quinton, OK President-Elect Jeff Johnson First Capital Bank, Kingfiser, OK Secretary/ Treasurer Donna Cook The First National Bank, Seiling, OK CBAO Ex-Officio Craig Buford CBAO, Yukon, OK Horizon Banker Board Members Rhonda Allen AmeriState Bank, Atoka, OK Lacey Biffle Quail Creek Bank, N.A., OKC, OK Matt Boston Welch State Bank, Welch, OK Kevin Butler American National Bank, Ardmore, OK Chris Cottrell Advantage Bank, Spencer, OK James Griffith Quail Creek Bank, N.A., OKC, OK Buck Hutchens Bank of Vici, Vici, OK Kathryn Ivey Shamrock Bank, N.A., Coalgate, OK Cody Parker SW National Bank, Weatherford, OK Dwight Pfeiffer The Central National Bank of Alva, Alva, OK Jennifer Slater Farmers State Bank, Stigler, OK Brandon Twyford Citizens Bank & Trust Co., Ardmore, OK

5 Education Calendar: Webinars, Seminars and Conferences March , 2012 Anti-Money Laundering and Bank Secrevy Act Compliance Tulsa, OK March , 2012 Anti-Money Laundering and Bank Secrevy Act Compliance Tulsa, OK March , Overdraft Protection Update: Regulations, Lawsuits & Guidance March , Commercial Lending Series: Lending to the Small Business Owner/Guarantor in Today s Economy March , Accounting/Auditing Series: Troubled Debt Restructuring Issues: The Accountant s Perspective March , Flood Compliance 2012: Review & Update March , Writing Effective HR & E-Policies to Manage Behavior, Maximize Compliance & Mitigate Risks

6 March , Director Series: Managing Liquidity Risk: The Board s Role March , You Received a BSA Exam Request Memo, What are the Proper Steps? March , Real Estate Loan Workouts, Foreclosures, Short Sales & Deficiency Judgments March , Identifying & Preventing Elder Financial Abuse March , BSA Alert: Navigating the New CTR & SAR Forms Effective July 1, 2012 April , Call Report Revisions & Updates April , ACH Rules Update 2012 April , Making Sense of Bank Financial Statements & Significant Ratios for Directors April , Auditing Your Bank s Website April , Computer Security for All Staff April , Handling the Bank s Right of Setoff April , Required Compliance Series: Regulatory Compliance for the Frontline

7 April , Credit Processes & Asset Quality Issues: Your Bank s Biggest Risk April , Agricultural Lending Update & Outlook April , Accounting/Auditing Series: Auditing Capital Records: Are Your Bank s Squeaky Clean? April , 2012 Anti-Money Laundering and Bank Secrecy Act Compliance Oklahoma City, OK April 24-27, Washington D.C. Legislative Trip Washington, D.C. April , 2012 Anti-Money Laundering and Bank Secrecy Act Compliance Oklahoma City, OK June 3-5, 2012 Horizon Bankers Conference Hilton Branson Convention Center in Branson, MO September 12-14, 2012 CBAO Annual Convention Skirvin Hilton Hotel in Oklahoma City, OK