Mabrey Tax Forms Now Available

1099-INT, 1099R and 1098 distributed to those who qualify

If you qualify for Tax Forms 1098, 1099R and 1099-INT, your 2023 Forms are available now. Please see below the details of each form and how you can access these forms before filing your taxes.

  • 1098 – Generated for a mortgage loan account if the interest amount paid was $600.00 or greater.
  • 1099-INT – Generated for a deposit account or savings bond redemption if the account/bond earned interest of $10.00 or more.
  • 1099R – Generated for an IRA with a 2023 distribution.

If enrolled in Paper Statements – Your Tax Forms were mailed to the address of the primary account holder and should have arrived within the last two weeks.

If enrolled in Electronic Statements – You should have received an email and access to your Tax Forms on January 24, 2024. Follow the steps below to access your Tax Forms.

  1. Log in to your Online Banking account
  2. (If on mobile device) Tap on any Mabrey Bank account
  3. Select Statements & Forms 
  4. From the drop down, select the account which would have generated the documents.

If you have trouble accessing your Tax Form, please call a dedicated Mabrey Bank Customer Service Representative during normal business hours at (888) 272-8866.

Mabrey Bank has hit a historic milestone. On Sunday, January 21, 2024, Mabrey Bank officially turned 100 years old, dating back to 1924 when the “Certificate of Incorporation” was issued in Bixby, Okla. to what was then called Citizens Security Bank. Now, a century later, Mabrey Bank has grown to 15 full-service locations across the state of Oklahoma with customers and businesses throughout the world.

On Friday, January 26, Mabrey will host a bank-wide birthday party at all 15 of its locations for its customers and team members to celebrate this achievement together. All customers are invited to visit their local branch on that day between 9 a.m. and 4 p.m. We will have cupcakes inside the lobbies, along with Mabrey Bank swag to giveaway (while supplies last).

Customers can also enter to win one of four $150 VISA gift cards, signifying the four generations of Mabrey family leadership, by snapping a selfie inside a Mabrey Bank location on Friday, posting to Facebook with the hashtag #Cheersto100Years and tagging @MabreyBank. *Rules and Regulations Apply

Mabrey Bank appreciates its customers and team members for being part of the history and legacy of this organization. We hope you will stop by, see your favorite bankers and celebrate with us on Friday, January 26.

As the calendar winds to a close, our team at Mabrey Bank wants to make sure you have made an end of year financial list and checked it twice. To help, we sought the advice of Darcie Henderson, Private Banking Officer, SVP, at our Oklahoma City location, to give us some basic steps to ensure you can look forward to a financially healthy new year.

Darcie has worked in the banking industry for more than 30 years in Retail Banking, Private Banking, and Treasury Services. As a Certified Treasury Professional, she understands the importance of maximizing cash flow while minimizing risk for both consumers and businesses alike. For the last five years, Darcie has been an asset for our Mabrey Bank clients in Oklahoma City. Recently, Darcie was recognized as Mabrey Bank’s MPACT Award winner for 2023 for her passion and commitment to volunteering and serving in our community.

Let’s make our checklist.

1) Review, Refine and/or Set a Monthly Budget

It’s important to look back and let the past help your decision-making moving forward. Reviewing your spending from the last year within the framework of a budget will allow you to identify excess spending and target discretionary funds. You can then use that knowledge to establish short and long-term goals for the new year while refining your budget moving forward.

Document your new budget in writing to hold yourself accountable for your spending decisions. Then review your monthly auto debits, memberships and subscriptions to confirm those are a continued worthwhile investment. It’s easy to allow those to hit your account each month without ensuring you’re getting good value. Finally, don’t forget to include those routine expenses in your monthly budget.

2) Examine Your Debt

Take stock of your current debt and find out where you can make headway, now and in the future, to pay that down. Knowing the rates on your debt and paying down those loans with a higher interest rate will allow for more financial freedom and stability down the road. It’s easy to push your debt off to your future self. Instead, make a sacrifice now. Your future self will thank you.

3) Inquire on Tax Matters

If you are in a position to, talk with your CPA to discuss maximizing your contributions while getting the most from any required minimum distributions (RMDs). Contributions might include IRAs, charitable giving, college savings plans, scholarship funds and Health Savings Accounts (HSAs). A trusted CPA will advise you on where to smartly place excess resources so that when Tax Day rolls around, you have put yourself in the best position possible.

4) Consult Your Investments

You can increase your financial well-being by reviewing your investment portfolio and being honest with yourself. Do you have the availability to increase your monthly savings? Have you maxed out your child investment accounts? Do your investments continue to meet or even exceed your goals? Knowing the answers to those questions could allow your money to work and grow for you.

5) Evaluate Wills, Beneficiaries and Insurance

The end of the year is a good time for you to evaluate your coverage and beneficiaries to ensure you and your loved ones are sufficiently card for. Learning about and utilizing all of the appropriate and related benefits for you will give you peace of mind now and allow you to plan for the unknown. Affirming and updating which beneficiaries are on your accounts and in your Will, properly insuring yourself and your family with health and life insurance and making a plan for remaining flex funds should all be parts of your annual check list.

All of these items might seem like hoops that are hard to jump through, and it’s okay to feel that way. That’s why it is important to have a trusted and close relationship with a financial expert who is willing to take an interest in you. We are proud to have a team of those bankers here at Mabrey who care for and educate our customers to make their finances easier to understand and manage. Our goal is to help you attain your financial goals.

Don’t hesitate to stop in your local Mabrey Bank and ask to talk to a banker. We’d be happy to help.

Many Americans above the age of 55 are wondering the same thing – ‘Am I going to be in a good enough position financially to retire when I am ready?’ It’s a tough question with big implications. Mabrey Bank’s experts are here to help you make sure that your answer is an emphatic “Yes.”

We chatted with Rhonda Bailey, Private Banking Officer, SVP, to get her 5 best tips to prepare for retirement. Rhonda has built successful banking career over more than 25 years and has earned the respect and trust of her customers through her financial wisdom and care for their well-being.

(Portions of this article initially appeared in TulsaPeople’s November 2023 issue. We appreciate TulsaPeople editor Anne Brockman for thinking of Mabrey Bank for this piece and using our banking experts like Rhonda Bailey as a resource for strong financial advice.)

1) Meet Regularly with Your Financial Advisor

Setting up regular appointments with your financial advisor, especially as you near retirement age, is the number one thing you can do to prepare for retirement. Even if you have been planning, saving and investing wisely throughout your career, a trusted financial advisor will be able to expertly provide data, project market trends and offer wise financial council as you wind down your career.

I have been meeting with a financial advisor throughout my career and even now I ask him, ‘Am I good?’ and ‘Do I have enough?’ Being able to talk through my gameplan for retirement with an expert has not only provided me peace of mind, but also given me confidence that I will be able to thrive throughout retirement.

If you haven’t met with a financial advisor, don’t worry! It’s not too late. Shoot us a call or come by any Mabrey Bank location, and our financial experts would be more than happy to recommend an advisor you can trust.

2) Compile Your Retirement Resources

There will be several core pillars that a successful retirement will be built on. Some, you may have spent your whole career building: a 401(k) retirement plan along with any employer contributions, investments in the stock market, real estate or other areas of business, or possibly a pension given for your years of hard work. Other core pillars will be made available once you hit a certain age: Social Security at age 62 and likely Medicare at age 65, although alternative insurance options are available.

Ensuring you have as many resources as possible at your disposal is critical to maximizing your retirement.

While you are compiling your resources for your post-career life, one important item that should not be overlooked is determining where your resources should go after you are gone. Setting up a will or a trust and establishing your beneficiaries while you are of sound body and mind is a step you won’t want to miss.

3) Determine a Monthly Budget

Once you hit the age of retirement, you have already passed many of life’s big financial hurdles – home purchases, children’s weddings and college expenses, etc. Congrats! Now it’s time to plan how much you will have to enjoy your golden years.

Once you have compiled your resources, determining a monthly budget of both planned and unplanned expenses will set an expectation for your future. Housing costs, monthly bills, subscriptions, memberships, vacations, even treating your grandkids are all items that you can plan for on a month-to-month basis. Don’t forget about those surprise costs that come up, however! Set some extra money aside for home and car repairs, medical costs and unexpected family support.

This is where a financial advisor will come in handy to help you determine the right amount to place in each budget given your resources.

4) Test Your Budget

While it’s smart to have a retirement budget, it’s even better to see that budget in action before it becomes your day-to-day reality. Live off your retirement budget for three months while you are still working as a trial run. Stick to the numbers you and your financial advisor have prepared. This will help you recognize any necessary tweaks or changes necessary before you draw from your retirement resources.

5) Stay Active, Sharp and Vigilant

Lastly, it’s important to remember to enjoy retirement! You have worked hard and lived diligently for decades to prepare for this time in your life.

Ensure you are staying active and mobile as you close in on retirement so you will be able to play with your grandkids, travel comfortably and fully maximize each day. Keep your memory and wits as sharp as you can and develop hobbies now that can keep you energized and entertained when you have more time to enjoy them in retirement.

Stay vigilant that you are not being taken advantage of. Fraud is rampant and elderly individuals are often targets. Surround yourself with people you trust and be wary of those who may not have your best interest at heart.

Retirement can be the most satisfying and fulfilling years of your life. Take steps now so you can enjoy them to the fullest.

 

As the season of gift giving approaches, Mabrey Bank will help spread the joy and magic of the holidays by collecting toys at each of its 15 full-service locations, ensuring there are presents under the tree for all children across our communities.  From November 27 – December 8, we will host a Toy Drive to gather new, unwrapped toys for children of all ages at drop boxes inside the lobbies of our branches. Each location will be donating these toys to a specific organization located within that community.

Toys can be dropped off during normal lobby operating hours. Check our Locations page to see the lobby hours of your local Mabrey Bank branch.

Two of our locations, Haskell and Wetumka, have an existing annual tradition of collecting gifts and sponsoring families in need through an Angel Tree. Wetumka will continue to operate its Angel Tree located in its lobby where you can sponsor a child. In Haskell, monetary donations are collected which are routed to an Angel Tree set up by the Funds for Haskell Kids. Those existing traditions will remain in place at each branch in lieu of a Toy Drive.

Find out which organization your branch is partnering with by looking at the listing below, and we thank you in advance for your consideration and generosity.

Location – Benefitting Organization (Linked)
Bixby (Main & North) – Bixby Outreach Center
Glenpool – Glenpool Christmas Shoppe
Haskell (Angel Tree) – Funds for Haskell Kids
Morris – Morris Methodist Church
Muskogee – WISH
Oklahoma City – Positive Tomorrows
Okmulgee (Main & Drive) – Harlan Ford Toy Drive benefitting Okmulgee County DHS
Tulsa (BA, Jenks, Midtown, Yale) – DVIS
Weleetka – Big Five Head Start
Wetumka (Angel Tree)

 

For 50 years, Mabrey Bank’s Muskogee Market President, David White, has been serving the financial needs of the Muskogee community as a leader of the banking industry. With five decades of experience banking local businesses, David is sharing some industry tips on what companies can do to successfully secure a business loan.

Mabrey is a strong financial partner for businesses of all sizes and an appointment with a local loan officer can be set up here. Without further ado, let’s jump in.

1) Why is it important for a business of any size to have a trusted bank and financial partner to rely on for a business loan?

Having a personal relationship with your banker and/or financial advisor is important for various reasons. This connection often allows the banker to know more about your business and your personality, along with your goals and expectations for the financial partnership. A deeper understanding of how your business operates will offer a banker insight to how market conditions may affect the future success of your business.

Particularly in smaller communities, a personal relationship is important to both the banker and the borrower as they each will want to help support local businesses and community efforts.

2) What basic materials should a business come armed with when attempting to secure a loan?

There are a variety of items needed for the client to discuss a project and potential loan with a bank. Financial information such as Tax Returns and Financial Statements will be needed, not only for the business itself, but also the owners of the business as they will normally personally guarantee the loan. Supporting corporate documents which identify legally who the borrower is and who is authorized to act on the business’ behalf will also likely be necessary.

A “pro forma,” or a future forecast based on present performance, could help a bank get a better idea for what a business’ economic goals are and what financial needs will be required moving forward to reach those goals. Especially for startups, this will offer a synopsis for a banker of how your business operates to turn a profit and how you are prepared to handle changes, expected and unexpected, in your market.

3) Are there certain types of loans or repayment plans that you have seen be more successful for a business given their size or history?

A company’s size and/or history will make a difference in how a loan may be structured. There could be a need for seasonal cash flow which would require a Revolving Line of Credit – loans that are normally reviewed and renewed annually. Facilities, including land and buildings, will allow for longer term loans due to the long-term values they provide, while equipment and furniture will have shorter term loans due to the life expectancy of the items. With loans that have extra risk due to collateral value or other reasons, an SBA or other Government Guaranteed Loan may be required.

4) In your experience, are there any tips that could increase a business’ chance of having a loan approved?

Loan approvals are enhanced by the borrower providing ALL needed documentation to the banker. The borrower’s knowledge and understanding of their financial reports and business plan lets the banker know that they have a good handle on their operation. Any good banker will be able to tell if a potential borrower is well-prepared. While that by itself won’t guarantee a loan to be approved, it can go a long way towards establishing a solid foundation for a potential partnership.

5) What sets Mabrey Bank apart as the preferred choice for many commercial and small businesses based in our communities?

Mabrey Bank as an organization is community-minded and employs seasoned lenders that are leaders and servants in their communities. We realize that helping our customers be successful in turn helps the community as a whole grow and prosper.

As our Brand Promise states: “We will always make every effort to deliver the best financial solutions for every individual, family and business so that every Mabrey Bank customer has the best financial opportunity to live a better life.”

If you are interested in securing a business loan through Mabrey Bank, we would love to hear from you. Set up a meeting with a loan officer in your community to talk through how Mabrey can partner with your business.

With the holiday season approaching in earnest, both consumers and businesses should be on high alert for attempted fraud attacks. As we head into October, which is designated as National Cybersecurity Awareness Month, our goal is to focus in on how businesses can recognize and fight back against fraud.

Jeff Snow, Mabrey Bank’s Director of BSA, Fraud & Security, SVP, is an expert on financial fraud with a more than 20-year career in banking, including the last four at Mabrey. We caught up with Jeff to chat about how businesses can remain secure against fraud and offer up both some preventative and reactive solutions.

1) Thanks so much for your time, Jeff. We’ll start here…what are key signs and red flags that businesses should be vigilant about to recognize fraudulent behavior? 

Jeff: One of the biggest red flags for businesses are emails received that include changes to payment instructions. Business email compromise is a major issue right now with criminals hacking into email accounts and using that access to redirect payments to fraudulent accounts.

Another sign or red flag of possible fraud via email could be when a “vendor” reports they are missing a payment. This should serve as a recognizable warning sign if an email like this is unexpected.

2) Are there any emerging or particularly damaging trends you have seen recently when it comes to corporate fraud victimizing businesses? 

Jeff: Mail theft and the resulting check fraud has become a big problem for banks and businesses. Check payments sent through the mail are often stolen out of mailboxes, dropoff boxes, or even by postal service employees themselves.

The stolen checks are then altered to new payees with different amounts and can be duplicated for use in other fraud schemes.

3) In the unfortunate event that fraud does occur to a business, what are some immediate steps that a business can take to keep the problem from exacerbating? 

Jeff: Any fraud discovered should be reported to that business’ bank immediately. In some cases, the bank can recover funds lost in a fraud scheme, but timing is critical and every minute counts.

Bank personnel can walk you through steps to prevent future fraud like changing online passwords, closing compromised accounts and opening new ones, etc. Businesses can call our main number at (888) 272-8866, and our in-house Customer Service team can direct you.

4) What are some best practices and practical tips for businesses to protect their assets and accounts from fraud? 

Jeff: Firstly, when possible, limit check writing and use electronic methods for the payment of bills and invoices. Don’t be intimidated by technology! Digital payments are often quicker, easier and ultimately more secure than physical checks delivered by mail. Discover Mabrey Digital Banking for your business here.

Another easy step for a business is when receiving new payment instructions or changes to existing instruction via email, it’s always smart to call and speak to someone you know to verify those payment details. This second method of verification should help root out the basic business email compromise attempts.

Finally, cyber insurance coverage is available and should be considered.

5) What tools and resources does Mabrey Bank offer to businesses to help recognize, combat and prevent fraud? 

Jeff: If a business does write checks, it should use Positive Pay to prevent check fraud, which is a product I highly recommend. Positive Pay allows bank customers to upload lists of legitimate checks with payee names, amounts and check numbers. Checks presented for payment are then compared to the lists by the bank for verification.

At Mabrey, we offer this at no cost to our business customers, and it’s the best tool to prevent check fraud as checks that are not listed in Positive Pay are returned unpaid. We also offer a similar service for ACH payments.

Online Bill Pay through Mabrey Digital Banking is a great way to pay bills without writing and mailing checks and is always secure.

If a business is interested in any of these resources at Mabrey, don’t hesitate to reach out to our Treasury Services department via phone at (918) 366-1440 or by filling out our contact form and selecting “Treasury Services” from the dropdown menu.

READ ALSO: Tips to Keeping Cyber Secure

This summer, Mabrey Bank introduced a new mortgage line of business led by Jeff Moser, Director of Mabrey Mortgage, SVP. Jeff is an experienced mortgage lender with a successful career of partnering with customers to find the best mortgage solutions tailored to their needs.

We caught up with Jeff to explore the basics of Mabrey’s new mortgage loan offerings and what sets Mabrey apart when it comes to helping customers finance a new home.

1) How is Mabrey Bank taking its track record of personalized service and high-quality banking to the mortgage lending business?

At our core, Mabrey serves our customers with reliability, quality and care. Recently, the Mabrey Executive Team saw a chance to expand that level of service to mortgages. With a department now solely focused on mortgage lending and the ability to operate in secondary market financing, we are able to provide a wide variety of offerings and competitive rates. We have introduced an online portal to apply for mortgage financing as a way to increase the speed and convenience to those looking for their next home.

As a mortgage financing specialist who has been in the business for more than 20 years, I look forward to building out this department with lenders who match the customer-first culture and focus that has become a constant at Mabrey Bank.

2) What loan types does Mabrey Mortgage currently offer?

In addition to the Conventional mortgage loans insured by Fannie Mae and Freddie Mac, we are excited to offer Jumbo loans for high-priced homes and an additional four types of government-backed loans which give our customers affordable mortgage options if they qualify.

  1. Conventional
  2. Jumbo – loans for homes that exceed the maximum loan limit for Fannie Mae and Freddie Mac
  3. VA – loans for veterans, active duty military or surviving spouses
  4. USDA Rural Development – loans for homes in rural areas
  5. HUD 184 – loans for Native Americans on or off of reservations
  6. FHA – loans with low down payments, typically used by first-time home buyers

For more information on each loan type and to begin an application for a mortgage loan, click here.

3) Why is it important to you that Mabrey offers government-backed loans like VA, USDA or HUD 184?

Government loans give low down payment options to many buyers who don’t pay the standard 20% down payment. These government-backed loans are also more flexible in providing financing to buyers who may have had credit issues in their past with the minimum credit score requirements on these loan products typically much lower than Conventional financing.

That combination of low down payment and flexible credit requirements allows us to serve more customers looking for their next home. By being able to offer a specialized product to our veterans, Native Americans, those living in rural areas and first-time home buyers, we are able to spread the mission at Mabrey more widely than ever before.

4) Jumbo Loans are a unique non-conforming loan that are becoming more popular as home prices increase. How do you tailor your mortgage suite to customers in the market for a Jumbo Mortgage?

Jumbo loans are simply loans that go above the maximum conforming loan limit set by the Federal Housing Financing Agency (FHFA) which regulates Fannie Mae and Freddie Mac. While that limit varies by county and changes annually, the typical maximum for most areas of the country in 2023 is $726,200. For more expensive homes which require a loan above this amount, a Jumbo loan is needed. Not all lenders are willing to do Jumbo loans, but we are excited to offer this at Mabrey.

5) While interest rates are currently higher than they have been over the past few years, why is now a good time to purchase a home or piece of property?

Interest rates will always go up and down, that has never changed. Of course, we’d all want the rates today that were available to us for a few years during COVID.

That said, one thing that is unlikely to go down is the price of real estate. If borrowers wait, prices on homes will continue to rise, so you will be paying more for the same house if they wait 6-12 months than if you pull the trigger today. A loan can be refinanced when rates drop, but the longer you wait, they more you will pay on the principal of the home.

TULSA – To continue the bank’s reputation of high-quality customer service and excellent financial solutions, Mabrey Bank announced today the promotion of Mark Mabrey to East Central Oklahoma Regional President, SVP. Mark, a member of the fourth generation of the Mabrey family to lead Mabrey Bank, moves into the role after previously serving as the Market President of Okmulgee.

“I am excited to step into this role and continue the growth of what our team and family has been doing in this region specifically,” said Mark Mabrey. “Serving our rural communities is a passion of mine, and I enjoy forming generational relationships with our customers that go beyond the walls of the bank.”

Mark is a 2006 alumnus of Oklahoma State University and is a graduate of consumer lending, commercial lending, and intermediate school of banking through the Oklahoma Bankers Association. Joining Mabrey Bank as a Lender in 2010, Mark has developed a foundation of superior care and sound advice with his clients in East Central Oklahoma leading to a track record of financial success. In 2018, Mark furthered his education with a graduate degree from the Pacific Coast Banking School at the University of Washington.

Away from the bank, Mark is active in the East Central Oklahoma community as a member of the Morris School Board, YMCA of Greater Tulsa Board member and serves as a Commissioner for the Oklahoma Wildlife Conservation Commission.

Mark moves into his new role following the retirement of former East Central Regional President, John Fidler, who served at Mabrey Bank for nearly 40 years.

In the midst of our ongoing Summer Loan campaign at Mabrey, this month’s Know From a Pro highlights the work our Credit Administration department does to ensure efficient and clear communication to customers regarding their loans. While much of the process happens behind the scenes, it doesn’t diminish the importance when it comes to equipping our customers with the appropriate knowledge for the approval and repayment of their loans.

For this piece, we caught up with our own Mary Pittman, the Director of Credit Administration, SVP. Mary is an invaluable asset at Mabrey, starting her career in banking 35 years ago, five of which have been spent at Mabrey.

Let’s jump into what you need to know on Credit Administration.

1) How does the Credit Administration department at Mabrey interact with customers when it comes to processing and servicing loans?

 

At Mabrey Bank, Credit Administration handles the processing, servicing and documentation of all of the bank’s commercial and consumer loans. Our internal customers consist of the Lenders and Loan Assistants we serve here at the bank, while our external customers are those outside of Mabrey who are approved for and receive loans. We interact directly with both our internal and external customers during the life of a loan, most often through the processing and servicing.

To our internal customers, phone calls and emails are the most likely methods employed by my team as we work alongside with our Lending Line to care for our external customers. My Loan Servicing team is also always available to receive calls from our external customers inquiring about their loan account, to make payments or payoff their loan.

2) What is the relationship between the Credit Admin team and the Lending Line when it comes to executing a loan for an external customer?

My Loan Processing team partners with the Lending Line to create the loan documents for the customer to execute. We take a lot of pride in being timely to meet the closing deadline requested by the customer and to provide complete and accurate documents for the Lending Line.

3) What sort of communication can a customer expect from your team throughout the life of a loan? 

Customers receive billing notices according to the terms of the promissory note. I would say that 98% of our loans are on monthly repayment, which means a billing notice is generated 10 days before the payment due date. As a courtesy, if the payment is not made within 10 days of when due, then a late notice is mailed. At 30 days past due, then another late notice is sent that includes the SCRA (Service Members Civil Relief Act) notice to inform our military customers of their rights.

However, Home Equity Lines of Credit (HELOC) loans require the billing statement be provided 15 days before the payment is due in accordance with Regulation Z, a government-mandated set of rules that helps protects consumers against unlawful lending practices. The late notice requirements remain the same at 10 days and 30 days past due, along with the SCRA notice.

4) Are there any common misconceptions or questions you often get from customers related to loans?

Most often, we receive questions regarding escrow accounts on consumer real estate loans. This is a complicated process that we take great care to educate our customers on the why, when, and how escrow works and the benefits of using an escrow account, which is a monthly contribution to the customer’s account held to pay the annual real estate taxes and hazard insurance.

The customer pays the monthly payment, which includes both the required portion distributed to the escrow account and the interest and principal due on the loan.

5) What differentiates Mabrey’s Credit department when walking alongside a customer through their loan journey?

In today’s modern world, all banks offer the same products. What differentiates one bank from another is the service provided. Our mission at Mabrey includes ‘EXCEEDing’ our customer’s expectations. This is our mission in Credit Administration as well with both our internal and external customers.

We partner with the Lending Line to help them EXCEED customer expectations by providing timely and accurate documents and information along with efficient processes. We ask for feedback and collaborate with our Lending Line partners, along with other departments of the bank, to always improve upon what we do and how we do it.

 

Main Office - Bixby Corporate 918.366.4000 Mon-Fri, 9am - 4pm Sat-Sun, Closed