COMMITTED TO YOU AND YOUR COMMUNITY. May 14, 2018 We are pleased to announce that as of April 20, 2018, Bear State Bank is now part of Arvest Bank. This fall, we will take the final step and change the Bear State name to Arvest Bank. While we may look different, we hope that you will continue to enjoy local decision-making and our commitment to community and customer service. Like Bear State, Arvest is a community-focused bank that is committed to you – from investing in your local community to providing state-of-the-art banking products and services that allow our customers to find financial solutions for life. We will do everything we can to make your transition to Arvest seamless for you. For now, continue to bank at Bear State branches as usual. When the conversion is complete this fall you can begin to bank at Arvest branches. As an Arvest Bank customer, you can expect: • Continued investment in your local community, with leadership and decision making at the local level. We understand the unique customer needs of the region, and our associates are committed to donating time and resources to make the community better for us all. • Deep commitment to all customers, with a dedication to providing superior customer service, and always focusing on customer needs above all else. • Access to a broad range of products and services for both consumer and business customers, including top-of-the-line online & mobile banking tools to simplify your day-to-day banking. We know you will have questions, so you can call the Bear State Bank Solutions Center at (866) 242-3324 or visit arvest.com/welcome for the most up-to-date information on this transition, including answers to common questions. Be sure to check back often, as the site will be continually updated as we move closer to the conversion date this fall. Sincerely, See reverse for answers to your questions. www.arvest.com/welcome • (866) 242-3324