Exclusive Invitation to MidFirst Private Bank - Exceptional Financial Services and Personalized Attention

2. Private Invitation For select clientele, a higher level of financial service and personalized attention is required. MidFirst Private Bank clients enjoy an invitation extended to a select few. It is our privilege to extend this invitation to you.

3. Who We Are MidFirst occupies a rare position within the banking industry. We are one of the largest privately owned banks in the United States. The combination of size and private ownership provides our clients with a special brand of financial services. We are able to compete effectively with larger financial institutions in terms of services and products while offering clients a community bank experience that reflects pride of ownership. • Family owned since inception • One of the largest privately owned banks in the United States • Headquartered in Oklahoma City, OK • Full range of private banking, trust, portfolio management, commercial, personal banking, and mortgage banking products and services

4. As one of the largest privately held financial institutions in the United States, MidFirst Bank is well-capitalized with a diversified asset portfolio. MidFirst Bank Financial Information

5. MidFirst Bank 2012 Market Forecast

6. Looking back on 2011 • Whether it was the BRIC markets, or Italy of late, many • saw declines of 20% or more. • Compare that with global GDP growing @ 3.8% in 2011, • then world equity markets underperformed. • It is rare for global growth to be so strong and have equity • markets be so weak.

7. Looking back on 2011 • One of the most difficult markets to invest in recent memory. • While the S&P was flat for the year, it was one of the best • markets to invest in. Unless you were a firm believer in • Mongolia (up 45%), or Indonesia and the Philippines (modest • gains). • Excluding the U.S., global stock markets returned -14% in 2011.

8. Looking back on 2011 • We had the tragic earthquake in Japan and the significant disruptions to many industries. • And, we had the global obsession with all matters • European Union. • We had the downgrade of US Debt in late summer. • Currently, we have Iranian missile tests and ongoing threats of attacks in the strait of Hormuz. Plus, president Ahmadinejad states he will wipe out Israel with a nuclear weapon.

9. Looking back on 2011 • Oil ending the year at the high for the year (inflationary). • The U.S. dollar strengthened markedly against the Euro over the past few months. • More companies have issued negative guidance recently than at any other time over the past year (over 2 -1 negative). • Yet, most companies are making record profits (net margin).

10. 2012 Market Forecast • 3 Overriding Themes for 2012 • Domestically consumer savings have improved and banks • have been recapitalized, but globally, banks must • deleverage balance sheets while governments must • address fiscal imbalances.

11. 2012 Market Forecast • Secondly, political leadership is at a crossroads not only • in the United States, but also in France, India, Iran, Korea, • Russia, Taiwan and China

12. 2012 Market Forecast • And third, never before have the economic fundamentals • and market valuations become so dependent on the • wisdom of policy choices and the politicians who make • them.

13. Global Deleveraging • The multi-tiered deleveraging process will continue • to have a dampening effect on global growth prospects. • In the U.S., consumer debt has declined by about $690 • billion dollars over the past 3 years. And, personal • incomes have risen while borrowing costs have declined.

14. Global Deleveraging • We believe unemployment will trend lower over the course of • the year. Yet, we sense the current caution on the part of • employers suggest both payroll and salary gains will be • limited.

15. Global Deleveraging • Due to the necessary deleveraging the European banks • must have, we anticipate a recession in Europe. But, if • the deleveraging process accelerates (more funding • problems) the recession could be deeper and more • severe than we forecast.

16. 2012 Political Landscape • One of the most striking events of 2011 was the magnitude • of the political leadership changes in the middle east and • Africa. • We saw regime changes in Tunisia, Egypt, Libya and • Yemen. We saw both Greek and Italian Prime Ministers • step down, while voters in Spain swept the governing • powers from office.

17. 2012 Political Landscape • Political battles loom in the United States, France, India, • Iran, Korea, Russia, Taiwan coupled with a leadership • transition in China. • Be aware that these countries represent close to 50% of • the world’s GDP.

18. 2012 Political Landscape • January 1– EU: Denmark assumes presidency of the • European Council • January- Egypt, Taiwan, Finland • February- Greece • March-Russia and Iran • April-South Korea and France • May-Algeria

19. 2012 Political Landscape • June- Egypt and France, plus the G20 summit in Los Cabos • July 1: EU Cyprus assumes presidency of the European • Council. • July-Mexico and India • September-Hong Kong • October-Ukraine and China • November-United States • December-Kazakhstan, South Korea and Venezuela

20. 2012 Strategy Major firms differ greatly on the domestic market outlook. Negative-Morgan Stanley, UBS Positive-Citigroup, Goldman Sachs Consensus forecast of @ 2% GDP

21. 2012 Strategy As you counsel your clients, remember these truths: Have a plan, follow that plan. Income matters. Capital preservation matters. Taxes are second biggest threat to the above. Inflation is the biggest threat.

22. 2012 Strategy Can you articulate the details of your plan to your clients? Do you have conviction in your plan? Do you know your portfolio managers? Truly, do you really know them??? Are they bringing value to your clients?

23. 2012 Strategy Get better! Bring more value to your clients…truly serve them. Eat your own cooking. It will make you a better trust officer, attorney, CPA or portfolio manager.