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NOTICE OF PERSONS APPEARING TO BE OWNERS OF ABANDONED PROPERTY

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NOTICE OF PERSONS APPEARING TO BE OWNERS OF ABANDONED PROPERTY OKTREASURE.COM OK TREASURE LOOKING FOR LOST TREASURE? Common types of unclaimed property include: Cash| Royalties| Life Insurance Proceeds Rebates| Paychecks| Stocks and Bonds PAYNE COUNTY CUSHING ABBOTT CLINTON 401 N KINGS HWY AVERY WO 919 S HARMONY RD BEN KIMMEL PO BOX 16 BENNETT EARL J 1345 E NINTH ST BOREL ROBERT A C O ROBERT BOREL, 320 S OAK GROVE RD BOYLE BESSIE 702 E SECOND CEARLEY WILLIAM H 504 N NORFOLK COOPER CHRIS D PO BOX 564 DAVENPORT JEAN 408 S HIGHWAY 99 NONE ELDON CATES CHARLES J 1505 S HOWERTON EPPERSON DAVID 316 N LITTLE AVE FILIP DANIEL 4581 E 744 RD FOSTER DUANE 354923 E 750 RD FRIENDS CONSTRUCTION LLC 6308 E 12TH ST GILLESPIE CHRISTOPHER D 420 N CENTRAL AVE GONZALIS IRENE 914 N NOBLE ST GREENFIELD MICHAEL W 514 N LUELLA GRIMM MARY 7707 E SAC AND FOX GUILLEN FERNANDO 1130 E OAK HANCOCK EDGAR RT 2 BOX 85 HARLOW ESTATE CHESTER 610 MAPLE HARPER ROBERT 804 E 6TH ST HERNANDEZ BLANCA 1115 S HIGHLAND HONEYBUSS WENDI 214 E BROADWAY ST APT 210 KELLY MARY J 1010 E 13TH ST KINZIE JOANN 916 S STEELE AVE LEGRAND EUGENE 1700 S OAK GROVE MATHIS ROBERT C 760196 S 3500 RD MCANULLA SUE C/O DOUGLAS WITHIAM, PO BOX 1212 MCDOWELL JACK M 3621 E SENIC DR MELVIN P OESTMANN FA 7855 N 3520 RD MORENO MARTIN 414 N STEELE AVE NECCO PO BOX 1443 NICHOLS MILDRED 749 S INDEPENDENCE PL PORTER MCKENNA 1135 E BROADWAY ST ROBERTSON C 1119 E 5TH ST ROBNETT JUDY 1446 E CHERRY ROMERO SUSAN 109 N WILSON ROYSTER DONNA JEAN RT 3 BOX 295 SAMUELS DORA RT 2 BOX 441 STEPHENS GERRI 519 E CHERRY ST SWINDELL ERIK J PO BOX 27 SWINT DAVID 306 TIMBERRIDGE LN THOMPSON J M PO BOX 248 WALTON LAURA K 504 S CLEVELAND AVE WARNER ROBERT L PO BOX 208 WASSON JAMES J 1501 S WILSON AVE WATKINS PEGGY 1422 E EIGHTH ST WHARRY TIMOTHY K 1104 E MOSES WRIGHT RAYMOND LEE 38 E MOSES ST GLENCOE BROWN FRANNIE PO BOX 67 CLEMONS CRAIG ALLEN 3909 E YOST RD, #5 LEIGH GERALDINE RT 1 BOX 109 NEWTON BRYAN 9615 E BURKHARTST NEWTON DON PO BOX 97 SIGOUIN DENISE M 10809 E BURKHART ST SPEARS SUZANNE 6619 N BRUSH CREEK RD VANORDEN CAROLYN 11303 E BURKHART RD PERKINS BELL CHANCE PO BOX 253 BRAZIEL MACK BOX 195 GARY SHORES PO BOX 908 HELMICK LEO RR 2 BOX 68 KAMBOU NICOLE 508 SE 3RD ST LARSON GREGG D 12 CIMARRON TRL LAZENBY CYNTHIA 11421 S SANGRE RD PEYTON JACOB K 750 LOVERS LN APT 510 POLLARD KEN 909 POGUE ST REYNOLDS DORIS 506 TONY AVE SCHMITZ LORI 118 NE SEVENTH SPRINGER TELLY 905 POGUE ST STAFFORD ETHAN 719 E 99TH ST WARD BRAD PO BOX 31 RIPLEY FANNING REBEKAH 2300 S RIPLEY RD SWIMLEY G W 10918 E RIVER RD WININGEAR REBECCA A RT 1 BOX 160 WYNN AARON 109 S OKLAHOMA STILLWATER 914 WEST 11TH LLC 224 N MAIN ST ABINGTON SUSIE M PO BOX 1203 ADAMS PAUL G 1806 N HUSBAND ST ALEXANDER JOHN PRESTON 2015 E ELM AVE ALGHARIBEH MUNA 14 N UNIVERSITY PL AP ALLEN BRIANNA B 2101 W 5TH AVE ALTHUWAINI AHMED ABDULAZIZ 251 W MONROE AVE APT 307 ALYAMI MANSOUR D 251 W MILLER AVE 212 ANDREW BETH A PO BOX 1656 ANDREW CARL S PO BOX 1545 ANGLIN DELBERT C 2128 W UNIVERSITY ARCHER ANDREW 1606 W ADMIRAL AVE ARMSTRONG TRISTAN K 1415 N GRANDVIEW CT AUSTIN TRACY 716 TOWER PARK BARTZ LELA BOOKER SUITE 204B BEATTY KARL A 4609 N BRITTON DR BENNETT CHRISTY 110 S PAYNE ST BISWELL MACSENE PO BOX 968 BLAKE JILL 5202 W 3RD AVE BLANKENSHIP GERALNE MCELROY 2024 E LINDA AVE BLAYLOCK TOMMY ESTATE PO BOX 2678 BOUSE HELEN G 112 E ESKRIDGE AVE BOWMAN LILLIE 11122 E 19TH ST BOYER WAYNE 1501 MOCKINGBIRD LN BRADLEY SHELBY T 701 S WICKLOW 1206 APT BRADY LINDA 423 S HESTER ST BRAKHAGE MARJORIE L 1503 SURREY DR BREWER ALYSSA K 625 E REDBUD DR APT F64 BRISBIN DIANE 2801 PIONEER TRL BRISTOL SUSAN M RR 4 BOX 429 BROOKS KENNETH 1603 N PERKINS RD BROWN JAMES A 400 S SQUIRES BLVD APT D27 BROWN JEANETTE N 400 S SQUIRES BLVD APT D27 BROWN LINDA SUE 417 E ROGERS DR BUCKINGHAM JOHN C 1019 WOODCREST BUGG MARY 401 S WEST ST BUNKER KENT E PO BOX 1805 BURLEY KARA 823 S RANGE RD APT 207 CALHOUN RORY 9522 E MEADOWBROOK LN CARR VELMA CAMPBELL 1117 W KNAPP CELESTE CASH 1324 EASTERN AVE CHANDLER STEPHANIE 616 S UNION RD CHAPMAN CHRIS 128 S RIDINGS CT CLARK BEVERLY PO BOX 684 COCHRAN FRANCES G 1215 S WESTERN RD CODY J MURRAY 2208 W 10TH COLBERT TED 1101 UNIVERSITY AVE COLE CASEY 2402 E 7TH AVE COLLINS SHIRLEY JO 5423 N JARDOT RD CONSENTINO NICHOLAS R 400 S SQUIRE LANDING BLVD COOK MICHAEL L 1808 N COUNTRY CLUB COX AMY 6608 S FAIRGROUNDS COX AUSTIN 1125 S BLAKELY ST CRAVENS JOSH D 1015 S CHANDLER ST CROWDIS CASEY 813 S MCDONALD ST DARGEN PAUL 3905 WOODLAND TRLS DR DAVIS LEON P JR 153 S MONTICELLO DR DAVIS NANCY 710 S WILLIS ST DAWSON SHELBY L 125 S REDWOOD DR DEARSMITH DAVID V 2001 N PERKINS RD, APT 677 DIAZ ROBYN 306 S RAMSEY ST DORR MAXYNE C 101 W GEORGIA AVE DOWDY JAMES 1721 W 10TH AVE DRIEVER TIM 1106 E 4TH AVE DUCKWALL WHOLESALE CO 1020 E 5TH ST DUNEGAN BENJAMIN 3398 E 6TH AVE APT 204B DUPRE MASON W 1200 N PERKINS RDAPT R11 EDENS ASHLEE 1806 CRAZY HORSE ELIZABETHS 236 S KNOBLOCK ST ELLISON ALEXJANDRA 2518 N STAR ENDSLEY NICHOLAS 4514 N GREENVALE CIR FERGUSON PAULA SUE 6 MEMORY LN FIELDEN SAMANTHA 508 S STANLEY FIELDS WENDALL D 2702 S FOXLEDGE DR FINCHUM ALLEN 3812 WOODLAND TRLS DR FLOORING NORTHPOINT 114 S MAIN ST FLOWERS CHARLES 39 WINDSOR CIR FOODPROTECH 1705 W GLENCOE RD GALLAGHER KENNETH T 1807 W UNIVERSITY AVE GALLOWAY SHARYN L 601 S WASHINGTON #127 GARCIA AMA 4805 S HUNTERS CIR GARRETT LOWELL 221 E 11TH GARRISON KERI PO BOX 1295 GENZEL THOMAS R 1549 HANSON CIR GRAHAM GARRETT D 713 W 7TH AVE GREG GEORGE 4599 N WASHINGTON ST APT 40K HARDY CONSTANCE S PO BOX 2681 HARLESS GLENNA S 1026 W BROOKE AVE HARMON KIMBERLY 5707 ERICA AVE HARTING ROBERT DALE 141 MELROSE DR HAYS BRADLEY C 1900 CEDARDALE LN HELLER STEPHANIE 72 UNIVERSITY CIR HENRY JASON 2807 N RUNNING BEAR ST HESS JACOB 1708 S BERKSHIRE HESS MISSIE 1708 BERKSHIRE HIDDEN NATALIA 8512 TIMBER CREEK HILL MARK 720 S WESTERN HODSON CLARK 923 E VIRGINIA HOLMAN RICHARD E 1121 W 4TH AVE HONEYMAN FRIEDRICH R 701 S PINE ST HORNER JOHNNY 3121 N MADISON CT HOUK RANDY C/O LENA LOUISE ALBRIGHT, 117 W HUSBAND CT HOWELL ALYCIA R 1505 W 15TH AVE UNIT 1 HOXSIE ANGELA 116 N MURRAY HALL HUANG FANGJIE 84 S UNIVERSITY PL APT 6 HUMPHREY DAVID K 2619 S CAMBRIDGE DR ILLE ANNETTE 5924 W DEER CREEK INGRAM I C 2209 W 5TH JABAR MOSE C O MUNA S MCCLAIN, 25 LIBERTY CIR JAMES STEPHEN T 2323 LEGENDARY LN JENNIFER CHERRY 911 W 9TH AVE JEONG EUI S 246 N UNIVERSITY PL A JIANG ZHAOTAN 75 S UNIVERSITY PLC APT 6 JIMENEZ REUBEN 518 E NORRIS DR JOHNSTON BRADLEY 701 WICKLOW ST APT 706 JONES CHANTEL LYNN 3521 N COTTONWOOD RD JORDAN WANDA GOLDEN OAKS VILLAGE, 5505 W 19TH ST JOSEPH BOLENE V UNKNOWN JUSTUS TAYLOR 5024 W 1ST AVE KAY SHELLEY L 202 S DOTY ST KELLEY CLELLA E 2902 S FOX LEDGE DR KELLOGG JOSHUA 5711 W 7TH AVE KENNETH S REDFORD 6702 W DEVONSHIRE RD KNIGHT JEREMY A 315 B FRIEND KRUMM BRIAN 400 S SQUIRES LANDING BLVD APT L GERALDINE G 5505 W 19TH AVE LAMBOY JENNIFER 1814 N BOOMER RD APT L04 LANATA ARTHUR 2017 COPPERFIELD LANG CAMERON 1600 DUBLIN DR LANGLOIS JACQUELINE N 2818 W 4TH ST LARIMER THORNTON 1311 MISTY MOUNTAIN LN LAU AMY H 4324 W 19TH AVE LEATHERMAN MAY F 1000 N PERKINS RD A-105 LEONE S MAYHUE ESTATE CO-EXECUTORSBAD ADDR, 1021 W 21 LONG EDWIN E 2026 S IBA DR LONGAN FRANCES L 815 E WILL ROGERS DR LOVEJOY DEBORAH 1822 N PERKINS RD APT 811B LUCY GRAHAM 709 N DRYDEN CIR MARLER DAVID B 6417 N RITTER RD MARTIN JARROD 1613 W 25TH AVE MARTINEZ GUADALUPE 229 N HUSBAND MATHERLY WILLIAM 1011 W MOORE AVE MATTOX DOLLIE M PO BOX 2745 MAXEY GARRET A 2223 W ARROWHEAD DR MAXWELL JOHN HOWARD C/O MRS KAY LYNN LOFTON, 806 SO MCFARLAND MCCANDLESS LESLIE 2603 SUSAN PL MCGEE CHRISTOPHER D 400 S SQUIRES LNDG BLVD G52 MENDEZ MARICELA 1815 BOOMERS RD MILLER DAKOTA M 217 S BURDICK ST MONTAGUE JEREMY N 131 ELM ST MORRIS S L 1823 W 10TH MOSS PAUL 73 UNIVERSITY CIR MULJADI ARIF 907 LAUREN LN MURRAY CODY G 3420 N MONROE MURRELL LISA K 3104 W 31ST NDUKA EMMANUEL-LUGARD 201 N KNOBLOCK ST NEWMAN CRISTOLA MINNIE 1029 W CHATBURN DR NGUYEN KIMHA 4545 W 6TH AVE NIVSHA SEPIDEH APT 9, 87 S UNIVERSITY PL NOLAN JOHN P 1216 W OSAGE DR NORRIS WARREN 5003 E 19TH AVE OLIVERS AUTO HAIL REPAIR 1603 N PERKINS RD PARR SANDI 4599 N WASHINGTON ST APT 19C PAYNES SERVICE 3910 W 6TH AVE 221 PEAK BRENDA 415 W BURRIS RD PEAK JOE 415 W BURRIS RD PEGGY CHEN LLC PO BOX 72 PERRY J O UNKNOWN PERRY WLLNSS CNTR PO BOX 639 PETE COSER 215 S DOTY PETERSON KIM 5215 W 1ST PETRONIC LLC 601 S WASHINGTON ST STE 30 PEWEWARDY MATIAS Q 1400 N PERKINS RD, APT K-79 PITTS BLAKE J 801 S LEIGH POCK ESSIE L 1203 S FERN ST POLK S J 915 W 26TH AVE PORTER TEDDY 604 LYNN LN PRAGLIN MAX 409 WHITEHURST PRICE BRIAN 1117 W KNAPP AVE PRICE GABE J 2405 N STAR DR PURITAN ROYALTIES CORP C/O WYCHE MURPHY JR RECEIVER, 118 W 8TH BOX 48 PYRAMID EXPRESS 169 421 N MAIN ST REDING ELIZABETH M 902 S PINE REEDS PATRICK 5102 N STONECREST CT REHMAN IBAD 235 N DUCK DN RITTER BRYAN J 1501 N REDLANDS ROBLYER CARL B 1623 N WILDWOOD DR ROGERS SHELBY 1410 N ARRINGTON ST ROSS CALE D 704 S MCDONALD ST RUBY LACY 1522 S CULPEPPER DR RUSSELL JOHN M 4611 E 65TH ST SETSER COLTON R 2521 E 7TH AVE SHAW JENNIFER 5601 W 68TH ST SHEPARD JON MARK 400 S SQUIRES ST #0-2 SHEPHERD APRIL D 904 W 11TH SHOEMATE PATRICK S 8422 TIMBER CREEK TR SHORT STOP HDQTR 1010 W 6TH SIMMONS MARGARET MORLEY 2116 W 9TH SIMONS AAA TOWING 500 EAGLES LN SMITH GAYLE 1616 E MCELROY APT 121 SMITHHEISLER PAULA 2803 MARK CIR SPENCER ERIC M 1606 ADMIRAL AVE SPRINGER JAMES M 1215 W 10TH AVE #216 STAPLETON ROY L 710 S DENVER STICKLEY AUSTIN MITCHEL 1310 BOYLES CT STILLWATER NATIONAL BANK PO BOX 1988 STOLLINGS JUDITH 714 S UNION STONE GARY 11515 W 56TH ST STULTS ELAINE 913 W SEMINOLE DR SUPPLEMENTS ON STRIPS 138 S BRYAN CT SWANK MARY J PO BOX 704 TAYLOR AMY 2009 S DEVIN LEA ST TERRI KINCAID 2110 S MAIN ST TEXAS POULTRY PRODUCTION 2403 KELLER DR THAYER RUTH ROBINSON 105 N STALLARD THOMAS JOHN J 1606 E WILL ROGERS DR THOMAS MARY J 155 RIDGE RD THOMAS MATTHEW 4701 N WASHINGTON, APT 4L THOMPSON CARLEY 5704 W 7TH THOMPSON JAMES A 601 S WASHINGTON ST TIMS SPENCER B 922 S STANLEY ST TINKLE KEVIN 3700 W 19TH AVE TRENT CHERYL L 1112 S FERN ST TURNER CATHERRIA 4599 N WASHINGTON ST APT 28K TURNOCO INC 3910 W 6TH AVE, BOX 265 TUTTLE VIVIAN HUGHES 915 BROWN TWIST CASEY 8 W PRESTON LN VAN RADONDA J 2318 SHILOH ST VENCILL VALLORY 1623 N HUSBAND VOGEL KATHERINE C 238 1/2 S DUNCAN ST UP WALLER GEORGE CALVIN JR PO BOX 939 WARREN JARED S 1906 W STATE LN WEAVER LAUREN 237 S LOWRY WEISER MARK 1320 E CONNELL AVE WESLEY DEREK 230 S HARTFORD ST WILLIAMS BENJAMIN C 712 W RANCH AVE WILLIAMS FAITHFUL E 223 W 13TH AVE WILLIAMSON TROY LAVON 501 S STANLEY ST #2 WILMOTH SAMUEL 1723 E 4TH AVE WILSON CHEVROLET INC PO BOX 2347 WINTERS VIOLET I 1018 N DRYDEN CIR WINTRICH DAVID 3398 E 6TH AVE APT 0 WRIGHT IRENE AVERS JESS M WRIGHT AIF WYATT MERCEDES O 2210 W 26TH AVE YEVARA JOSEPH 83 S UNIVERSITY PL APT 2 YOUNG SALLY RATZLAFF 519 PEACEABLE ACRES RD ZAMBORSKY LYNN MRS 301 E AUDENE YALE BLACKBURN CHARLES 5000 S RIVERSIDE JAN WARNOCK ESTATE C/O ROBERT WARNOCK, PO BOX 292 LOW SHARLENE PO BOX 334 PERDUE JUSTIN 717 E ERIE AVE S W REALTY DEVELOPERS INC RT 1 BOX 214A SKINNER GAIL PO BOX 362 TODD NORMAN E 2919 S TWIN MOUNDS This is only the latest list of names, so be sure to search for friends and family at OKTREASURE.COM For any questions, feel free to give us a call at 405-521-4273 OUR SERVICE IS ALWAYS FREE State law requires that before any information may be obtained concerning reported unclaimed property, there must be a valid proven interest in property. To allow the Unclaimed Property Division to process your inquiry, please send a black and white copy of your driver's license, Social Security Card and provide the following information. Name of listed owner: (Exactly as it appears in this publication) SSN/FEI No. of Listed Owner: (Not required, but failure to do so might delay claim processing.) Your relationship to listed owner: (i.e., self, spouse, divorced, heir – son, daughter, grandson, etc.) If listed owner is deceased, please check here: Your name: (Attach a Black and White copy of your driver's license) SSN/FEI No. (SS Not Required, but failure to do so might delay claim processing.) Current Address: (If filing for a business give current business address.) City: State: ZIP: Day time phone number: (Area Code) E-Mail: (Date) (Your Signature) Our only goal is to reunite property with its true and lawful owner. Upon review of your claim, the Unclaimed Property Division may ask for additional documentation. To save processing time, please attach to your claim copies of any documentation that verifies your relationship to the listed owner. Unclaimed Property Division, Oklahoma State Treasurer State Capitol, 2300 N. Lincoln Blvd., Room 217 Oklahoma City, OK 73105 | (405) 521-4273 The names and addresses contained in this notice are as they were reported by the holder. Information concerning the names and last-known addresses of the property holders may be obtained by any person possessing an interest in the property by submitting an online claim or addressing an inquiry to the Unclaimed Property Division. The property is in the custody of the State Treasurer and all claims must be directed to the Unclaimed Property Division.

CHICKASAW BOOMER BLAST FIREWORKS SHOW

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Chickasaw BOOMER BLAST FIREWORKS SHOW The City of Stillwater. OKLAHOMA Boomer Lake Park (Washington & Lakeview) Tuesday, July 4 at dusk Free Admission Inflatables & Food Trucks Register for swim & tennis lessons Learn to Swim Program • Youth Sessions • Parent/Tot Sessions • Jr. Lifeguard Sessions • Adult Lessons The Learn to Swim Program follows an outline designed by the American Red Cross and supervised by certified Red Cross Lifeguards. Tennis Lesson Program • Beginner • Advanced Beginner Couch Park Tennis Courts / 823 E. 12th Ave. Players provide their own rackets. Lesson schedules and fees at stillwater.org Municipal Pool 801 E. 12th Ave. N ow open through August 13 Lap Swim: • Every day from 12:15 to 12:45 p.m. Open Swim: • Every day from 1 to 5 p.m. Thursday and Friday from 7:30 to 10 p.m. Splash Pads Free and open daily, 10 a.m. to 8 p.m. (hours may vary due to weather) Boomer Lake Park and Southern Woods Park The City of Stillwater OKLAHOMA stillwater.org 405.372.0025 CityHall@stillwater.org Facebook: City of Stillwater Twitter: @StillwaterOKgov Instagram: @cityofstillwaterok

WHY HAVEN’T SENIOR HOMEOWNERS BEEN TOLD THESE FACTS?

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- EDUCATIONAL ADVERTISEMENT Why Haven’t Senior Homeowners Been Told These Facts? Keep reading if you own a home in the U.S. and were born before 1955. It’s a well-known fact that for many senior citizens in the U.S. their home is their single biggest asset, often accounting for more than 50% of their total net worth. Yet, according to new statistics from the mortgage industry, senior homeowners in the U.S. are now sitting on more than 6.1 trillion dollars of unused home equity. With people now living longer than ever before and home prices back up again, ignoring this hidden wealth may prove to be short sighted. All things considered, it’s not surprising that more than a million homeowners have already used a government-insured Home Equity Conversion Mortgage or HECM loan to turn their home equity into extra cash for retirement. However, today, there are still millions of eligible homeowners who could benefit from this FHA-insured loan but may simply not be aware of this retirement secret. Some homeowners think HECM loans sound too good to be true. After all, you get the cash you need out of your home but you have no more monthly mortgage payments. NO MONTHLY MORTGAGE PAYMENTS? EXTRA CASH? It’s a fact: no monthly mortgage payments are required with a government-insured HECM loan;2 however the homeowners are still responsible for paying for the maintenance of their home, property taxes, homeowner’s insurance and, if required, their HOA fees. Another fact many are not aware of is that HECM reverse mortgages first took hold when President Reagan signed the FHA Reverse Mortgage Bill into law 29 years ago in order to help senior citizens remain in their homes. Today, HECM loans are simply an effective way for homeowners 62 and older to get the extra cash they need to enjoy retrement. Although today’s HECM loans have been improved to provide even greater financial protection for homeowners, there are still many misconceptions. For example, a lot of people mistakenly believe the home must be paid off in full in order to qualify for a HECM loan, which is not the case. In fact, one key advantage of a HECM is that the proceeds will first be used to pay off any existing liens on the property, which frees up cash flow, a huge blessing for seniors living on a fixed income. Unfortunately, many senior homeowners who might be better off with HECM loan don’t even FACT: In 1988, President Reagan signed an FHA bill that put HECM loans into law. bother to get more information because of rumors theyve heard. That’s a shame because HECM loans are helping many senior homeowners live a better life. In fact, a recent survey by American Advisors Group (AAG), the nation’s number one HECM lender, found that over 90% of their clients are satisfied with their loans. While these special loans are not for everyone, they can be a real lifesaver for senior homeowners like Betty Carter, who recently took out a HECM loan with AAG so that she could finally get the extra cash she needed to fix up her house. “With the help of AA, I have been able to repair my home’s foundation that I had been putting off for several years, refinish the hardwood floors, paint the interior and will have the exterior painted within a few days. My house is starting to look like my home again and it feels good says Carter. The cash from a HECM loan can be used for any purpose. Many people use the money to save on interest charges by paying off credit cards or other high-interest loans. Other common uses include making home improvements, paying off medical bills or helping other family members. Some people simply need the extra cash for everyday expenses while others are now using it as a safety net for financial emergencies. If you’re a homeowner age 62 or older, you owe it to yourself to learn more so that you can make an informed decision. Homeowners who are interested in learning more can request a free 2017 HECM loan Information Kit and free Educational DVD by calling American Advisors Group toll-free at 1-800-615-0235 At no cost or obligation, the professionals at AAG can help you find out if you qualify and also answer common questions such as: 1. What’s the government’s role? 2. How much money might I get? 3. Who owns the home after I take out a HECM loan? You may be pleasantly surprised by what you discover when you call AAG for more information today. Source: http://reversemortgagedaily.com/2016/06/21/seniors-home-equity-grows-to-6-trillion-reverse-mortgage-opportunity. 2If you qualify and your loan is approved, a Home Equity Conversion Mortgage (HECM) must pay off any existing mortgage(s). With a HECM loan, no monthly mortgage payment is required. A HECM increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). AAG works with other lenders and financial institutions that offer HECMs. To process your request for a loan, AAG may forward your contact information to such lenders for your consideration of HECM programs that they offer. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must occupy home as their primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan also becomes due and payable when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, defaults on taxes or insurance payments, or does not otherwise comply with the loan terms. American Advisors Group (AAG) is headquartered at 3800 W. Chapman Ave., 3rd & 7th Floors, Orange CA, 92868. . V11082016 These materials are not from HUD or FHA and were not approved by HUD or a government agency. V11082016

WHY HAVEN’T SENIOR HOMEOWNERS BEEN TOLD THESE FACTS?

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PAID ADVERTISEMENT - EDUCATIONAL ADVERTISEMENT Why Haven’t Senior Homeowners Been Told These Facts? Keep reading if you own a home in the U.S. and were born before 1955. It’s a well-known fact that for many senior citizens in the U.S. their home is their single biggest asset, often accounting for more than 50% of their total net worth. Yet, according to new statistics from the mortgage industry, senior homeowners in the U.S. are now sitting on more than 6.1 trillion dollars of unused home equity.¹ With people now living longer than ever before and home prices back up again, ignoring this “hidden wealth” may prove to be short sighted. All things considered, it’s not surprising that more than a million homeowners have already used a government-insured Home Equity Conversion Mortgage or “HECM” loan to turn their home equity into extra cash for retirement. However, today, there are still millions of eligible homeowners who could benefit from this FHA-insured loan but may simply not be aware of this “retirement secret.” Some homeowners think HECM loans sound “too good to be true.” After all, you get the cash you need out of your home but you have no more monthly mortgage payments. NO MONTHLY MORTGAGE PAYMENTS?² EXTRA CASH? It’s a fact: no monthly mortgage payments are required with a government-insured HECM loan;2 however the homeowners are still responsible for paying for the maintenance of their home, property taxes, homeowner’s insurance and, if required, their HOA fees. Another fact many are not aware of is that HECM reverse mortgages first took hold when President Reagan signed the FHA Reverse Mortgage Bill into law 29 years ago in order to help senior citizen remain in their homes. Today, HECM loans are simply an effective way for homeowners 62 and older to get the extra cash they need to enjoy retirement. Although today’s HECM loans have been improved to provide even greater financial protection for homeowners, there are still many misconceptions. For example, a lot of people mistakenly believe the home must be paid off in full in order to qualify for a HECM loan, which is not the case. In fact, one key advantage of a HECM is that the proceeds will first be used to pay off any existing liens on the property, which frees up cash flow, a huge blessing for seniors living on a fixed income. Unfortunately, many senior homeowners who might be better off with HECM loan FACT: In 1988, President Reagan signed an FHA bill that put HECM loans into law. don’t even bother to get more information because of rumors they’ve heard. That’s a shame because HECM loans are helping many senior homeowners live a better life. In fact, a recent survey by American Advisors Group (AAG), the nation’s number one HECM lender, found that over 90% of their clients are satisfied with their loans. While these special loans are not for everyone, they can be a real lifesaver for senior homeowners like Betty Carter, who recently took out a HECM loan with AAG so that she could finally get the extra cash she needed to fix up her house. “With the help of AAG, I have been able to repair my home’s foundation that I had been putting off for several years, refinish the hardwood floors, paint the interior and will have the exterior painted within a few days. My house is starting to look like my home again and it feels good,” says Carter. The cash from a HECM loan can be used for any purpose. Many people use the money to save on interest charges by paying off credit cards or other high-interest loans. Other common uses include making home improvements, paying off medical bills or helping other family members. Some people simply need the extra cash for everyday expenses while others are now using it as a “safety net” for financial emergencies. If you’re a homeowner age 62 or older, you owe it to yourself to learn more so that you can make an informed decision. Homeowners who are interested in learning more can request a free 2017 HECM loan Information Kit and free Educational DVD by calling American Advisors Group toll-free at 1-855-293-3061. At no cost or obligation, the professionals at AAG can help you find out if you qualify and also answer common questions such as: 1. What’s the government’s role? 2. How much money might I get? 3. Who owns the home after I take out a HECM loan? You may be pleasantly surprised by what you discover when you call AAG for more information today. ¹Source: http://reversemortgagedaily.com/2016/06/21/seniors-home-equity-grows-to-6-trillion-reverse-mortgage-opportunity. 2If you qualify and your loan is approved, a Home Equity Conversion Mortgage (HECM) must pay off any existing mortgage(s). With a HECM loan, no monthly mortgage payment is required. A HECM increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). AAG works with other lenders and financial institutions that offer HECMs. To process your request for a loan, AAG may forward your contact information to such lenders for your consideration of HECM programs that they offer. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must occupy home as their primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan also becomes due and payable when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, defaults on taxes or insurance payments, or does not otherwise comply with the loan terms. American Advisors Group (AAG) is headquartered at 3800 W. Chapman Ave., 3rd & 7th Floors, Orange CA, 92868. V11082016 These materials are not from HUD or FHA and were not approved by HUD or a government agency. V11082016

RECYCLING IS SIMPLE!

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RECYCLING IS SIMPLE! CHECK PLASTICS FOR A NUMBER BEFORE PLACING THEM IN YOUR CART. The City of Stillwater OKLAHOMA 405.742.8245 When in doubt, throw it out! Glass Paper & Cardboard Aluminum Cans & Containers Plastic 1 PETE Polyethylene Terephthalate Plastic 2 HDPE High Density Polyethylene Plastic 3X PVC Vinyl Plastic 4X LDPE Low Density Polyethylene Plastic 5 PP Polypropylene Plastic 6X PS Polystyrene (Styrofoam) Plastic 7X OTHER Miscellaneous How do I e get rid of it? Glass Recycle Tote Recycle Cart Recycle Cart Recycle Cart Recycle Cart Trash Cart Trash Cart Recycle Cart Trash Cart Trash Cart July 19-22 Crazy Days Citywide Sales Event o Crazy days A few reasons to shop local: • You make our community a destination. • Your local purchases support local jobs. • You strengthen our local economy. FRIDAY FOOD TRUCKS $ TUNES July 21 from 6 to 10 p.m. Downtown Stillwater, 7th Ave. and Main St. Free Parking All Ages Welcome Live Music Area’s Best Food Trucks The City of OKLAHOMA CityHall@stillwater.org 405.372.0025 Stillwater.org City of Stillwater @cityofstillwaterok @StillwaterOKgov

10TH ANNUAL GOLF TOURNAMENT

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Mt. Zion Missionary Baptist Church would like to congratulate ALL THE PLAYERS who participated in our 10TH ANNUAL GOLF TOURNAMENT ! 1st place team: University and Community Federal Credit Union (Members) Derek Watson, Robbie Anderson, Court Phillips, not pictured Matt Mitchell. Also pictured, Pastor Calvin Miller, far right. Thank you to our Sponsors: Wilson Chevrolet OSU Institutional Diversity Stillwater National Bank Drummond Eye Clinic Stillwater Medical Center Stillwater Surgical Association Downtown Boyer 66 State Farm Insurance (Larry Gosney) KPAX Solutions Accurate Plumbing Coca Cola Bill Arrignton Joseph Dew Ben Miller

DIABETES IS NOT OUR DESTINY

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diabetes is not our destiny Visit NotOurDestiny.com for recipes, stories and more. Funded by USDA ’s Supplemental Nutrition Assistance Program — SNAP. USDA is an equal opportunity provider and employer.

COMING SOON

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COMING SOON GAME DAY Pre-Game Coverage Stillwater News Press stwnewspress.com 211 W. 9th Ave. • (405) 372-5000

THANK YOU STILLWATER

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Thank You Stillwater RELAY FOR LIFE American Cancer Society $120,243 Thank You to Everyone who made the 2017 Stillwater Relay For Life a huge success. 2017 CORPORATE SPONSORS Payne County Relay for Life Diamond - $5,000 Blue Note Foundation Platinum - $1,500 Integrity Audiology Louie’s Bar & Grill McConnell White Realty Southern Star Central Gas Pipeline Stillwater Medical Center Stillwater News Press Gold - $1,000 Bank SNB Farmers Insurance - Carpenter Agency Klein’s Catering McDonald’s Stillwater Family Care Silver - $500 Stillwater Periodontal Center Bronze - $250 Academy Sports & Outdoors Bill Knight Ford of Stillwater Central Drug Chace Family Cemetery & Crematory Cimarron Animal Clinic Cimarron Medical Services Clint Metcalf, DDS Cockrell Eyecare Center Community Escrow & Title Co. Country Comfort Heating & Air Conditioning Direct Discount Tire Donna Rhinehart-Real Estate Professionals El Vaquero Mexican Restaurant Eskridge Lexus of Oklahoma City Farmers Insurance-Mindy Murray Agency Farmers Insurance-Yvain Bro Agency First Baptist Church Frontier Electronic Systems Furniture Showcase, Inc. German Farms German Roofing Granny’s Kitchen I Think So Cupcakes Jack Stoffregen Janzen Toyota Jennifer Lauvetz-Enmeier, DDS Marco’s Pizza Mark E. Gunkel, CPA Metcalf Dermatology Mitchell Motors, Inc. OnCue Overhead Door Company of Stillwater Palmer Marler Funeral Home Payne County Bank Payne County Sheriff’s Reserve Perkins Drug Razook’s Pharmacy Reece Chiropractic & Wellness P.C. Special Energy Corp. SST Software Stillwaffles Stillwater Credit Bureau Stillwater Dental Associates Stillwater Milling Company Stillwater Tag Agency Stillwater Vision Clinic The Bank NA Tiger Drug Co. Tinker Federal Credit Union Tulsa Endodontic Associates University & Community Federal Credit Union Zannotti’s Wine Bar 2017 Relay For Life Food Sponsors: Subway on Knoblock, The Hideaway, Papa John’s Pizza, McAlister’s Deli, Grimsley’s

14TH SHIDLER’S ANNUAL ONE-DAY CAR SHOW

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14th Shidler’s Annual ONE-DAY CAR SHOW Saturday, August 26 • 10-4 pm Coussens Park • Shidler, OK Park opens at 8:30 am DOOR PRIZES! VENDOR SPACE AVAILABLE! (Automotive related only) Concessions by the Shidler Volunteer Fire Department REGISTRATION FEE $15 Fee $20 after August 21 Dash plaques to the first 150 entries OSAGE COUNTY www.visittheosage.com No Pets! Not responsible for accidents! For more information, call JR at: 918-793-4961 or email: chamber@shidleroklahoma.com Registration form available at www.shilderoklahoma.com Sponsored by the Shilder Area Chamber of Commerce and Osage County Tourism

YOU DON’T WANT TO MISS THIS FREE SEMINAR

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You don’t want to miss this free seminar … HOW TO PAY FOR SENIOR LIVING August 31, 2017 10:00 am WE WILL HAVE AN EXPERT PANEL ON HAND TO ANSWER ALL YOUR QUESTIONS. Choosing to move to a 55+ senior living community can be desirable or necessary, but either way the question most people have is how they will pay for it. Join us for a discussion related to financing options associated with senior living costs such as Medicaid, Medicare, Veteran’s Aid and Attendance, Longterm Care Insurance, and Life Care contracts. Learn how to get the care you desire and still leave a financial legacy at this upcoming free 90-minute seminar featuring local expert panelists. Nikki Buckelew Buckelew Realty Group OKC Mature Moves Don Soard Soard Financial Management LLC Operation Veteran Aid Eunice Khoury Host of Well Preserved on KTOK and specializes in Medicare. Bill Martin Financial Advisor Edward Jones Jill Huff Marketing Director Spanish Cove Reservations Required RSVP to Jill at 405.354.5906 Bring a friend! The Plaza 1401 S. Cornwell Yukon www.spanishcove.com Spanish Cove Retirement Village

DIABETES IS NOT OUR DESTINY

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diabetes is not our destiny Visit NotOurDestiny.com for recipes, stories and more. Funded by USDA ’s Supplemental Nutrition Assistance Program — SNAP. USDA is an equal opportunity provider and employer.

NOTICE OF PERSONS APPEARING TO BE OWNERS OF ABANDONED PROPERTY

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NOTICE OF PERSONS APPEARING TO BE OWNERS OF ABANDONED PROPERTY OK TREASURE.COM OKTREASURE.COM CHECK NEXT WEEK’S PAPER FOR YOUR NAME Common types of unclaimed property include: Cash| Royalties| Life Insurance Proceeds Rebates| Paychecks| Stocks and Bonds Finding treasure is easy when you’re a scissortail treasure catcher. And I’ve found a simple way to increase the nest egg of nearly a million Oklahomans! There’s over $585 million of unclaimed property waiting to be claimed. So take a few minutes next week to see if your name is on our list in the newspaper, or check online at OKTreasure.com. Sincerely, Unclaimed Property Division, Oklahoma State Treasurer State Capitol, 2300 N. Linclon Blvd., Room 217 Oklahoma City. OK 73105 | (405) 521-4273

MISS OSU 2017 SCHOLARSHIP PAGEANT

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Miss OSU 2017 Scholarship Pageant Official Preliminary to the Miss American Pageant September 14| Seretean Center Tickets are $10 Box office opens - 6:30 p.m. Show begins - 8 p.m. tickets.okstate.edu (405) 744-7509 Allied Arts & Special Events

2017 CELEBRATION OF EXCELLENCE

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The Stillwater Public Education Foundation Board Of Trustees Offers Sincere THANKS! to these fine businesses and individuals for their support of 2017 Celebration of Excellence The evening was a tremendous success! 2017-2018 SPEF Corporate Partners Arvest Bank BancFirst The Bank N.A. Bank SNB Central Bank of Oklahoma Cockrell Eyecare Center Credit Bureau Services Assoc. Eskimo Joe's First National Bank & Trust Co. Grand River Dam Authority InterWorks, Inc. Lambert Construction Oklahoma Natural Gas Oklahoma State University OSU College of Education, Health & Aviation OnCue RCB Bank Rosenstein, Fist & Ringold Stillwater Designs / Kicker Stillwater Medical Center Stillwater News Press Tinker Federal Credit Union University & Community Federal Credit Union 2017 Celebration of Excellence Event Sponsors B&L Heating and Air Conditioning, Inc. BancFirst Insurance Services Brown’s Bottle Shop Gary & Jane Clark Community Escrow & Title Co. Gose & Associates Hampton Inn & Suites Josh Holliday Baseball School Kent & Barbara Houck Little Shop of Flowers Dr. Jeff & Marie Miller Mindy Murray Agency - Farmers Insurance Russ & Donna Rhinehart SGAmmo, LLC Rick & Carolyn Walstad 2017 Celebration of Excellence Auction Donors Amanda Jones-Monat Haircare Angel Muzik-Lularoe Aspen Coffee at Fountain Square BancFirst Beadles Portrait Gallery Cake Crazy LLC Chris’ University Spirit Cockrell Eyecare Center Cowboy Freeze Jase Depperschmidt Dibble & Son Dupree Sports Kris Fowler Barry & Robin Fuxa Fuzzy’s Taco Shop Ed & Amy Gallegos Gym One Fitness David Hapgood Indulge Salon Iron Monk Brewing Co. Gameday Ironworks Jenny Penny Mercantile - Jennifer Veit Josh Holliday Baseball SchoolKicker Priscilla Kinnick Kinnunen Sales & Rentals Mojo’s Rock & Bowl Grill Murray Pest Control James Murray Pamela Myer Next Level Fitness Oklahoma Harvest Oklamerica OSU Alumni Association OSU Writing Project Jenny Pratt PurdyQ Meats & Treats Razook’s Drug Kim Rolston Steve Ruby Jim & Mary Jo Self Stillwater Summit Stillwater Police Department Stillwater Martial Arts John & Caryl Talley Taryn Salem-Rodan & Fields The Ranchers Club Wilson Auto Family YM Embroidery Zanotti’s Wine Bar Special Thanks To Dr. Marc Moore, SPS Superintendent SHS Orchestra Students & Dir. Scott Jackson SHS Broadcasting Students & Sue Ann Hoffman Mason Waldvogel Special Thanks to the Citizens of Stillwater for Supporting the Foundation & Enriching the Education of Stillwater Public School Students! SPEF Trustees Megan Horton, President Collett Campbell, Pres Elect Carolyn Walstad, Secretary Debbie Thomas, Treasurer Angie Bale Randy Blake Kristi Dickey Kevin Fowler Jenny Holliday Mike Lauvetz Jeff Miller Lance Millis Justin Minges Terri Moorman Mindy Murray, Event Chair John Polonchek Steve Ruby Tommy Shreffler Matt Streeter Caryl Talley Shelbie Witte, Event Co-Chair Bridgette Young Jenifer Bartley, Executive Director Stillwater Public Education FOUNDATION Tax-deductible contributions may be mailed to: SPEF, P.O. Box 286, Stillwater, OK 74076 or visit spef.stillwaterschools.com

THANKS TO EVERYONE WHO MADE THE 2017 STILLWATER RELAY FOR LIFE THE #1 COMMUNITY RELAY IN THE STATE OF OKLAHOMA!

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Thanks to everyone who made the 2017 Stillwater Relay for Life the #1 Community Relay in the State of Oklahoma! The following silver ($500) corporate sponsors were omitted in a previous advertisement. B&L Heating & Air Conditioning BancFirst Central Bank of Oklahoma Central Electric Cooperative Chickasaw Telecommunications Services, Inc. Exchange Bank and Trust Co. Farmers Insurance-Inman Agency First Presbyterian Church Houck Agency InterWorks Inc. Kicker (Stillwater Designs) Lowell A. Barto, Attorney at Law P&K Equipment Peoples Bank RCB Bank Stillwater Dermatology Clinic Stillwater Home Builders Association Stillwater Periodontal Center TNT Lawn & Landscape Mgmt. Inc. Wilson Auto Family

NEWS MEDIA ALLIANCE

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NEWS MEDIA ALLIANCE Newspaper Carriers Continuing to play a critical role in providing Americans with the most trusted source of news coverage of the issues impacting our community and nation. Thanks to our hardworking newspaper carriers! Did you know? More than 120 million adults read a daily or Sunday print newspaper. International Newspaper Carrier Day October 7, 2017 Stillwater News Press stwnewspress.com 211 W. 9th Ave. • 405-372-5000 www.newsmediaalliance.org Sources: BuzzFeed News, “"Must American Adults Get News From Facebook — But They Don’t Really Trust It, A New Survey Says," January 19, 2017. Nielsen Scarborough, Research R2, 2016.

DAY OF CARING SHOWS HOW PAYNE COUNTY CITIZENS & BUSINESSES LIVE UNITED!

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United Way United Way of Payne County The United Way of Payne County would like to thank the following companies and individuals fohelping to make our 22nd Annual Day of Caring a huge success. Day of Caring shows how Payne County citizens & businesses LIVE UNITED! Corporate Sponsors: Donations: Atwoods Cushing – Burger King – Chick Fil A – Cimarron Hotel – Cushing Citizen Cushing Lumber – Daylight Donuts - Cushing – Daylight Donuts on Washington – Enbridge Farmers Insurance - Dena Floyd Agency – Food Pyramid – Eskimo Joes – Tim Holland Fechner Pump & Supply – Granny’s – Hampton Inn and Suites – Holiday Inn Kinnunens Sales and Rentals – La Quinta – McDonalds on McElroy McDonalds Cushing – Magellan – Meridian Technology – Mills Construction Nate’s Tree Service – Old School Bagel – OnCue – OSU Student Union – Panera Bread Paradise Donuts – Payne County Extension – Red Mesa – Red Rock Bakery – Residence Inn Schatz Window Washing – Sherwin Williams – Stan Clark Companies / Mexico Joes Steer Inn Cushing – Stillwater Medical Center – Stillwater News Press Stillwater Sand & Gravel – The Hideaway – Wal-Mart Cushing Wal-Mart Stillwater – Wyndam Gardens And Our Wonderful Hosts: Kansas Buffet Company and Beasley Technology! A special thanks to our Volunteer Companies/Employees & Individuals We would also like to thank our Day of Caring Chairs Angela Pradia and Linda McPherson, our Cushing coordinator Latina Simmons, our Perkins coordinator Lisa Smith and our fantastic Day of Caring committee members and United Way board members for all their hard work. A very special thanks to Stillwater Projects coordinators Kyle Gibbs and Steve Spradling, and Cushing Projects coordinator Randy Brown. See you next year for Day of Caring 2018!

HALLOWEEN COSTUME PHOTOS WILL BE TAKEN AT THE NEWS PRESS TUESDAY, OCT. 24TH| 5 TO 7 PM

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Halloween Costume Photos will be taken at the News Press Tuesday, Oct. 24th| 5 to 7 pm Photos will be printed in the paper on Halloween. Calling all ghouls and goblins Come and get your picture taken and published in the News Press! Stillwater Stillwater News Press stwnewspress.com 211 W. 9th • 372-5000

THANK YOU TO OUR SPONSORS

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THANK YOU TO OUR SPONSORS 20th Annual Jin Cup Golf Classic Stillwater Medical FOUNDATION HERO & CHAMPION SPONSORS Arvest Bank BancFirst Bank SNB The Bank, N.A. Brothers & Co. Central Electric Cooperative Cerner Commerce Bank - Tulsa Cimarron Medical Services Edward Jones: Judy Hull, Matt Hull Edward Jones: Steve Norman Exchange Bank First National Bank &Trust interworks Keystone Engineering Lambert Construction Co. McDonald’s of Stillwater Sara and Clint Metcalf OrthoOklahoma Plico Real Estate Professionals Rees Associates Rodolf & Todd SMC Administration SMC Sleep Lab SST Software Stillwater NewsPress Territory Resources LLC Wilson Auto Family GUARDIAN & DEFENDER SILVER & BRONZE SPONSORS BKD, LLP Central Bank of Oklahoma Cowboy Sports Properties CPS Telepharmacy Gose & Associates Ann and Jim Halligan Health Facilities Group, LLC Hologic Honeywell Energy Services Group ISN Janzen Toyota Martin, Jean & Jackson, Attorneys Morris & Dickson Co., LLC Payne County Bank RCB Bank Terri and Vic Schutte Stillwater Neurology Tiger Drug University & Community FCU US Foods Jane Wells ZFI Engineering IN-KIND SPONSORS Cowboy Wholesale Great Plains Coca-Cola Kicker Oakley Eric Gudgel Pope Distributing ARVEST BANK BancFirst Loyal To Oklahoma & You. bank SNB Commerce Bank Member FDIC Edward Jones Judy Hull Matt Hull FIRST NATIONAL BANK & Trust Company Morrison Stillwater Weatherford Cordell Hinton McDonald's Stillwater News Press stwnewspress.com ORTHO OKLAHOMA PC SPECIALISTS IN BONE & JOINT MEDICINE Dolores Lemon & Associates REAL ESTATE PROFESSIONALS 723 S. Main St. Stillwater, Oklahoma 74074 SST Software Manage Date. Harvest Information Stillwater Medical Center WILSON AUTO FAMILY CHEVROLET BUICK GMC CADILLAC
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