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      <GeneralExplanation>
        <Identifier>FORM 990, PART VI, SECTION B, LINE 11</Identifier>
        <Explanation>THE TRUST DEPARTMENT OFFICER REVIEWS THE FORM 990 BEFORE SIGNING AND FILING IT.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>THE ORGANIZATION USES THE CONFLICT OF INTEREST POLICIES ESTABLISHED BY THE TRUST DEPARTMENT OF VISION BANK. GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC AS REQUESTED.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>CONTACT ADDRESSES FOR OFFICERS, DIRECTORS, ETC</Identifier>
        <ReturnReference>FORM 990, PART VII</ReturnReference>
        <Explanation>VISION BANK TRUST DEPT - PO BOX 669, ADA, OK 74821-0669.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>