White River Bancshares Company

Arvest Bank is a subsidiary of the Arvest Bank Group. The bank provides a range of banking, brokerage, insurance and investment services to consumers and businesses. It offers checking and savings accounts, credit cards, trust services and mortgage programs. It also features certificates of deposit, investment analysis, equities, fixed-income securities, mutual funds, individual retirement accounts and money management. Arvest Bank s lending capabilities include home equity, automotive, real estate, student, commercial, construction, home improvement and personal loans. The bank assists businesses with cash management, commercial financing, merchant services, health savings accounts and retirement plans. It also writes life, disability and long-term care insurance policies. Arvest s online banking module enables customers to securely access accounts, pay bills and customize financial activities. The bank delivers its products and services through a network of more than 200 branch offices in Arkansas, Oklahoma and southern Missouri. Arvest Bank maintains a location in Rogers, Ark.

Grand Savings Bank is a local bank serving the community of Grove, Okla. It offers all of the services expected of modern banks: Internet banking, telephone access to accounts, automatic teller machines, drive up windows and lobby service. Grand Savings Bank offers a variety of personal and business banking products and services. In addition to several types of personal checking and savings accounts, the bank offers Internet service and a wide variety of travel services. It offers several kinds of savings accounts, including money market accounts and passbook accounts. Grand Savings Bank also offers a variety of certificate of deposit programs, individual retirement accounts and health savings accounts. The bank offers overdraft protection, credit cards, check cards and online banking. Grand Saving Bank also offers several types of commercial checking and cash management accounts, safe deposit boxes and notary service.