GGrraanntt’’ss CCoorrrraallTime Is of the Essence

for OHB’s Customer Service

During a recent Wednesday morning staff meeting, adozen OHB co-workers and I sat around our conferencetable discussing how we could improve our already out-standing customer services. I asked each of them to consider,“Why has OHB come to be known as the friendly bankwith superior customer service?” I heard a lot of goodresponses from the staff, ranging from a caring attitude, asincere smile, full attention to the customer, calling thecustomer by his/her name, knowing about the customer’sfamily, listening carefully, prompt and appropriate attention to requests, and ‘positively outrageous service.’

Each of their answers was correct and appropriate.But I wanted to explain why OHB’s commitment to thehighest level of person-to-person service has resulted inthe bank’s success and growth. So I asked, “What do allyour answers about customer service have in common?”

I received a dozen puzzled looks tomy rhetorical question. I continued,“Time is of the essence . . . that is thefoundation of OHB’s successful cus-tomer service success.” I went on to say,“Our customers want to have their timerespected. Waste a customer’s time andyou will lose his trust and his business.”

Each of us is blessed with a certainamount of time on this earth, and all ofus notice the passing of time in

moments, every day. Time is our most precious asset, andthis urgency of time holds the key to outstanding customerservice in any business. Life is lived in bits and pieces oftime, passing moments that consume our allotted time.Not killing our customer’s time . . . that metaphor is soobvious . . . wasting another person’s time is much liketaking a piece of his/her life . . . killing the customer’s timewith poor service will kill any business.

Time is of the essence is legalese, often used in contracts to indicate that time is an essential ingredient ofthe legal agreement. At OHB this concept, Time is of theEssence, is the guide for the way we work with our friendsand neighbors to serve their business needs. We arepledged not to waste our customers’ time. In many differ-ent ways we strive to save time for our customers; forexample, when you telephone OHB during business hoursyour calls will be answered promptly by a knowledgeableand helpful staff person and not arobotic recording; your telephonecall will not be placed on Hold forlong waits; we will be on time forappointments with you; we willrespond to your questions the sameday or within 24 hours at most; wewill come to your office or busi-ness location when it’s desirableand convenient; decisions about your accounts and loanapplications will be made locally and promptly (within 24hours of your completed application); we will respect yourtime and not waste your time. Our customer service willsave you time, every time we can be of service.

Come let us show you the ‘what and how’ of OHB’sunique customer service. Your time is of the essenceat OHB.

Grant Ward, President/CEO

OHB Home-ImprovementLoans Bring Fun &Value

We enjoy helping our friends and neighbors toimprove their homes, to accomplish their family’s homeneeds, and to realize their dreams for their homes.Whether it’s another bedroom, a family room, a homeoffice, a shop, home repairs, landscaping, or a swim-ming pool, we are dedicated to finding the financingthat can make these home improvements happen.

In Oklahoma, home-swimming pools are growingin popularity because our temperate climate allowsswimming most of the year and because of the importance of home-centered lifestyles. In-ground

swimming pools are also likely to add value to the property and will enhance the appearance of a homeand yard. Nearly five million American homes have swimming pools and probably a substantial number ofthese pools were added as improvements to existinghomes by the families living there. We also imaginethat many of these millions of pools have been financedthrough home-improvement loans.

Although the warm summer weather is yet weeksaway, now would be a good time to consider adding a pool or other home-addition/enhancement. Perhaps ahome swimming pool has been your dream, especiallyduring the ‘dog days of summer.’ Maybe it’s time to consider a home-improvement loan from OHB for anew swimming pool to turn your back yard into arefreshing oasis just in time to be enjoyed by your family and friends this summer.

C3 Construction, Inc., an Ada-based companylocally owned and operated by Chris and PatriciaWhisenant, has over 15 years of experience in swimming-pool installations, ranging from smaller toelaborately landscaped styles. Chris is personallyinvolved in each C3 project, taking special care tounderstand the needs and desires of the home owners.He can show you a variety of pools that they have builtand help you design a unique pool suited to your home.

Come visit with us soon to see how OHB can assistyou with home-improvement financing to build aswimming pool for this summer or to work out a wayfor other home improvements to make your dreamhome into your reality.

OHB-Ada Branch Opens Teller Stations

OHB-Ada listens. Soon after the Grand Opening of our remodeled space in the North Hills Shopping Center in our Ada offices,

our friends and neighbors began asking, “Where are your Tellers?” And we listened to these questions andanswered by obtaining approval from the Oklahoma Banking Department for a full-service branch in Ada. Thenwe immediately remodeled the 3-month-old office space to create two spacious Teller stations in the lobby of ourAda North Hills branch.

In our strategic planning leading to establishing our fourth banking location, we had made arrangements toaccept deposits and make loans as a Loan Production Office/Deposit Production Office (LPO/DPO), assuming thatwe could accommodate our customers’ needs for Teller transactions through couriers to and from our other locations and by installing a lobby ATM for cash withdrawals.

We were wrong in these assumptions. We had considered this LPO/DPO as a short-term transition to a full-service bank to be built on the 1 1/2 acres fronting Lonnie Abbott Drive. But we made a mistake in our planning for OHB’s temporary banking location, not underestimating how often the Teller station would be requested before we could move into a new bank building.

We apologize to our friends and neighbors who have been inconvenienced by the lack of Teller service forOHB-Ada. Full-Service Tellers are available during usual business hours now.

OHB-Ada staff members are proud to announce that Full-Service Tellers are now available during usual business hours inour North Hills Shopping Center location. Standing in the new Teller Stations are (l. to r.) Billy Norton, Vice President;Jason O’Neal, Asst. VP/Operations; Jenni Watson, Teller/New Accounts; Dustin Riddle, Senior VP/COO; Rosa Cruz,Receptionist; and Julia Jack, Assistant Vice President.

Volume 7, Issue 9 March 2015

The Wrangler Newsletter

OHB VP/Ada Branch Manager Billy Norton (r.) and ChrisWhisenant (l.), President of family owned and operated, Ada-based, C3 Construction, Inc., observe the details of gunite-pool construction, water features, and landscaping ofan Ada residential swimming pool installation done by C3.

RRRRRRRRRRHeard in the Bank

“Far better it is to dare mighty things, to win glorious triumphseven though checkered by failure, than to rank with those poor

spirits who neither enjoy nor suffer much because they live in thegray twilight that knows neither victory nor defeat.”

Theodore Roosevelt26th President of United States

(1858 - 1919)

RRRRRRRRRR

Point. Click. Deposit!OHB’s Mobile Deposit Is the Most Convenient Deposit Ever.

OHB Mobile Deposit gives you the ability to make a bank deposit anywhere, anytime,using your iPhone or Android smartphone’s camera. Depositing money in your account hasbecome as simple as taking a photo of the check to deposit:Point, Click, Deposit! It’s that easy. The mobile bankdeposit will be the easiest deposit you have ever made.And your money will be available on your schedule!

Call any OHB location to learn how to make mobiledeposits, and you’ll be making deposit at OHB with yoursmartphone in just a few minutes. This is a FREE servicefor OHB personal-account holders making less than twenty deposits each month.

The fastest and simplest way todeposit your check at OHB! Take asmartphone photo of the check andforward the photo to OHB wherethe amount of the check will bedeposited in your account. Thisnewest innovation in banking tech-nology is free to OHB checkingaccount holders. OHB Lender andAsst VP Julia Jack demonstrates thesimplicity of making an OHBdeposit, using her own smart phone.

Home Cookin’Peanut Crunch Salad –

A Tasty Thai Treat

Thai food, the national cuisine of Thailand, is steadilygaining popularity in this country, competing with Chineserestaurants for the same customers. Once unfamiliar to mostAmericans, some Thai dishes are becoming quite wellknown, such as chicken satay (grilled chicken pieces skewered on a stick), Pad Thai (noodles with peanuts, eggs,and various meats), and spring rolls (fresh vegetables, crispnoodles, and sprouts wrapped in rice paper).

This crunchy fresh Thai salad is easy to prepare withingredients readily available at your local grocer. Along withthe tangy peanut dressing, this simple, but intricate, saladcombines a variety of fundamental tastes and textures thatcaptures the tasty complexity of Thai cuisine. This recipetakes about 15 minutes to prepare and will serve six.

Thai Peanut Dressing:2 tbsp creamy peanut butter1 tbsp unseasoned rice vinegar1 tbsp fresh lime juice1 1/2 tbsp vegetable oil1/2 tbsp soy sauce1 tbsp honey1 garlic clove, chopped1 tsp fresh ginger, peeled gratedPinch of crushed red pepper flake.

Combine all in a bowl and blend with an immersionblender until it's creamy and smooth. Taste and season withsalt or more honey, if needed. Cover and set aside to let theflavors mingle.

Salad:4 cups cabbage, chopped 1 cup carrots, shredded 1 red bell pepper, thinly sliced into bite-sized pieces1 small cucumber, halved lengthwise, seeded

and thinly sliced2 green onions, thinly sliced1/2 cup chopped fresh cilantro, loosely packed

Combine all in a large bowl. Drizzle the peanut dressingon top, to taste, then toss to coat evenly.

OHB DirectorKeri Coleman Norris WinsAda School Board Election

Proud graduate of Ada High School, mother of athird-generation Cougar athlete (Ada Junior High Schoolstudent Coleman Prince), Vice President of RegulatoryCompliance and General Counsel for LegalShield, OHBDirector Keri Coleman Norris transformed her lifelongpassion for the Ada School System and public educationinto winning the election for the Ada School Board.Norris defeated the four-decade incumbent in a two-person contest for the Board position. On election night(February 10) Keri spoke via Twitter, “Thank you Ada! Iappreciate everyone who helped and supported me. Nowthe work begins!!!”

Keri is the daughter of Dr. Rick and Susan Coleman,Ada anesthesiologist, and Glenda Gray, R.N., Ada. Shewas educated in the Ada public schools and graduatedfrom the Oklahoma City University School of Law. Shehas been twice honored as one of The Journal Record’s50 Women of the Year in Oklahoma. She serves on theBoard of Directors for McCalls Chapel School in Ada,on the Foundation Board for Mercy Hospital Ada, and onthe Executive Board for the OCU School of Law. Shehas previously served on the Board of Directors for theAda Boys & Girls Club and Leadership Oklahoma. Sheand her husband, Ty Norris, have two children, BaileyNorris, a junior at the University of Oklahoma, andColeman Prince.

OHB Board Chairman Darryl Fisher commendedKeri, “Let me speak for all the staff and your fellowDirectors of OHB to say we admire your dedication toyour community and your energetic pursuit of the SchoolBoard election. We are all proud of you.”

Life Point Church’s Sean McKinneyComes for OHB Directors’ Lunch

Sean McKinney, Religious Leader at Life PointChurch in Stratford, joined the OHB Directors for theirmonthly lunch prior to the Board’s February meeting. TheStratford staff served a delicious meal of pasta with chicken, tossed salad, fresh baked bread and chocolate andmocha cake. The luncheon discussions ranged from Sean’sseven-year leadership of the Life Point Church in Stratfordto his service as Stratford Town Council member.

Sean and his wife, Tammy, and their four childrenreturned to their hometown Stratford seven years ago fromSpringfield, Missouri, to accept the challenge and respon-sibility of the Life Point Church. Under his guidance thechurch has grown from nine to nearly four hundred members, while expanding, remodeling, and refurbishingthe church just south of Stratford. Sean describes LifePoint Church as a dynamic, growing church that meets youright where you are. He says, “If you are looking for arefreshing new way to experience church, you will findlive contemporary worship, riveting multi-media andthought-provoking messages with us.”*

In addition to his more-than-fulltime commitment tohis church, Sean has become actively involved in theStratford municipal government, serving since 2013 as one of five elected Town Councilpersons. Sean talkedwith the Directors about some of the major changes andimprovements in Stratford’s municipal governance,including active oversight of town works by the Council,improving accounting and recordkeeping, external audits,restructuring budget processes, successfully obtaininggrant-money awards for street-drainage systems, ongoingrecruitment of an experienced Town Manager, and manyother improvements to the town and for its residents. *Sunday Morning Services - 9:34 a.m. and 11:04 a.m.Student activities - Wednesday nights at 6:30pmHighway 177 & 8th St. Stratford, OK 74872(580) 759-3101

STRATFORDGrant Ward, President/CEODustin Riddle, Senior V.P./COOJ.D. Bostic, VP/Loan OfficerShirl WilcherVice President OperationsDirector of CommunicationsKim StreetmanAssistant Vice PresidentLoan Administration SupervisorJason O’NealAssistant Vice President/OperationsJared WellsAssistant Vice President/Loan OfficerGina PhillipsCustomer Service RepresentativeGloria MooreLoan AdministrationSue Scifres, Loan ProcessorAnn Bonner, Fred Stephens, and Vicki Combs, TellersJesica Rumsey, Receptionist

ROFFPaula Balentine, Branch ManagerVP/Operations

Breana BurkheadNew Accounts Representative

Shirley Barnett, Head Teller

Pam Harrison, Teller

Judy Dixon, Loan Processor

ADABilly NortonVice President/Branch Manager

Julia Jack, Assistant Vice President/Lender

Jenni Watson, Teller/New Accounts

Yanet Camarena, Teller

Rosa Cruz, Receptionist

BYNGChris WatkinsVice President/Branch Manager

Madonna PenickNew Accounts Representative

Terry Littlefield, Head Teller

Susan Overall, Teller

Carla Campbell, Loan Processor

Alex SchafferAssistant Compliance Officer

BOARD OF DIRECTORSR. Darryl FisherChairman of the Board

Grant Ward, President/CEO

Bo Cail, Director

Wayne Cobb, Director

Don Connally, Director

Phyllis Danley, Director

Rick Griffin, Director

Keri Coleman Norris, Director

Ron Tidwell, Director

Advisory Directors:Dustin Riddle, Chris Watkins, Paula Balentine, and Billy Norton

Eric S. Fisher, Sr., Esq., General Counsel

This easy-to-fix fresh salad based on the Thailand style of cuisinecan be found in Thai restaurants in this country. The taste andtexture of the chopped cabbage and carrots, and other ingredi-ents is reminiscent of traditional American coleslaw without theheavy mayonnaise dressing but with a tangy peanut sauce.

Keri Coleman Norris, OHB Director and General Counsel forLegalShield, supported by her husband Ada business man Ty Norris andson Coleman Prince (an Ada Junior High School student), won the election to the Ada School Board in the February 10 city-wide election.

Stratford’s Life Point Church pastor Shawn McKinney (c.) iswelcomed to the January OHB Directors’ Lunch by OHBPresident/CEO Grant Ward (l.) and OHB Board ChairmanDarryl Fisher.

OHB Is Growing and Adding Staff

Jenni Watson recently joined theOHB family as Personal Bankerwith responsibilities at the Adabranch as New AccountsRepresentative, Assistant Lender,and Teller. Jenni lives in Ada withher two sons, Chanceton andKaleb, who attend Byng Schools.

Carla Campbell joined the OHB fam-ily in 2011 as a Loan Processor/Tellerat the Byng branch, bringing to OHBher fifteen years work experience inan Oklahoma community bank.Carla lives in Konawa and has twosons. One son attends Seminole StateCollege and the other is stationed inSan Diego serving in the Navy.

Susan Overall joined the OHBfamily in 2013 as a Teller at theByng branch, having previouslybeen a Teller Supervisor at anOklahoma community bank for fif-teen years. Susan lives in Stratfordand is the mother of two daughtersand grandmother to four.

Yanet Camareno recently joined theOHB family as part-time Teller andCustomer Service Representative at theOHB-Ada branch in the North HillsShopping Center. Yanet is a junior-yearpremedical student at East CentralUniversity, planning to attend medicalschool in Oklahoma. Growing up withsix brothers and sisters in Watonga, sheattended Oklahoma Baptist Universityon a cross-country athletic scholarshipbefore transferring to ECU this year.