WELCO M E G U IDEBOO K 1

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1 WELCOME GUIDEBOOK 1

2 Welcome to Armstrong Bank! We are excited to be joining the River Valley and Northwest Arkansas Communities, and we hope you share in our excitement. At Armstrong Bank, we strive to make our name synonymous with strength, reliability and exceptional service. Since 1909, Armstrong Bank has been committed to building stronger communities. Our bankers are local residents, and we encourage them to be involved in all aspects of service to the community. We will partner with local organizations, schools and businesses to enrich the Natural State. On the weekend of May 23, 2015, we will be transferring Benefit Bank accounts to Armstrong Bank. Please use this guidebook as a reference for the upcoming changes to your accounts. Take a moment to become acquainted with the Key Dates to Remember located on the following page. Our goal is to make the transition as seamless as possible so you can immediately begin to enjoy the products and services we have to offer. We look forward to building relationships and establishing strong roots in Arkansas as we serve you! If you have any questions, please call us toll-free at or stop by any of our 21 full-service locations in Arkansas and Oklahoma. Sincerely, Billy Taylor President/CEO 2

3 Key Dates to Remember at a Glance: Receive Armstrong Bank MasterCard Check Card in mail Week of May 11 Receive PIN in mail (1-3 days after receiving card) Week of May 11 Last day to schedule Bill Pay payments through Benefit Bank system May Debit & ATM Cards Receive new Armstrong Bank checks On or before May 18 Benefit Bank Online Banking discontinued 6:00 p.m. on May 22 Date of last Benefit Bank Statement May Deposit Accounts Welcome! Your account will be transferred to Armstrong Bank May Electronic Banking Begin using your new Armstrong Bank checks May 23 Begin using your new Armstrong Bank Check Cards May 26 Destroy old Benefit Bank checks, ATM or Debit Card May Loan Accounts Begin using Armstrong Bank Online Services May 26 Begin using Telephone Banking May Privacy Questions?

4 Debit & ATM Cards When to expect your new Armstrong Bank MasterCard Check Card: You will receive your new Armstrong Bank MasterCard Check Card the week of May 11, For security purposes, a PIN number will be mailed to you 1-3 days after your new card is mailed. Please note, you will not be able to use your Armstrong Bank MasterCard Check Card until May 26, Expiration of your Benefit Bank Debit or ATM card: Your current Benefit Bank Debit Card or ATM card will expire on May 26, 2015; we recommend you destroy your Benefit Bank card at that time. When to use your new Armstrong Bank MasterCard Check Card: Please continue to use your Benefit Bank Debit Card or ATM card through May 25, Upon receipt of your new Armstrong Bank MasterCard Check Card, please keep this card and PIN number in a secure place and do not attempt to use it until May 26, At that time, you can begin to use your new Armstrong Bank MasterCard Check Card, and it will replace your old card. Please note, your card number and expiration date will change, so you will need to update any automatic payments set up through your current Benefit Bank debit card. Limits on your new Armstrong Bank MasterCard Check Card: The limits on your Armstrong Bank MasterCard Check Card will be $1, for point of sale (POS) and $ for ATM cash withdrawals in a 24-hour period if funds are available. ATM Locations: You may use your new Armstrong Bank MasterCard Check Card at any Armstrong Bank ATM location without incurring a surcharge. These ATM locations can be found on the Armstrong Bank website at www. armstrongbank.com. PULSE Network: You may use your Armstrong Bank MasterCard Check Card at merchants displaying the PULSE logo to get cash back when you make a purchase. Simply use the debit option and enter your PIN number, then enter the amount of cash you would like to receive back. Store policies regarding cash back may vary so be sure to ask the merchant what they allow. This is a convenient way to obtain cash without visiting an ATM. Armstrong Rewards: With Armstrong Rewards you earn points to use toward gift cards and travel on every day spending. To enroll your new Armstrong Bank MasterCard Check Card, visit Currency Conversion Assessment: If you make a transaction with your Armstrong Bank Check Card in currency other than U.S. dollars, MasterCard International Incorporated ( MasterCard ) will convert the charge into U.S. dollars using its currency conversion procedure. Currently the currency conversion rate used by MasterCard for such transactions is generally either a government-mandated rate or a wholesale rate determined by MasterCard for the processing cycle in which the transaction is processed. The currency conversion rate used by MasterCard for the processing date may differ from the rate in effect on the date of the transaction or the date the transaction is posted to your account. The cardholder will incur a fee for the currency conversion (See Schedule of Fees). Cross Border Fee: Transactions made with your Armstrong Bank Check Card in a foreign currency other than U.S. dollars will incur a Cross Border Fee for the transaction (See Schedule of Fees) DEBIT & ATM CARDS 7

5 Deposit Accounts: Your account number(s) will not change on your deposit account(s) with this transfer, including checking, savings, Certificates of Deposit, and Money Market accounts. We will honor all outstanding Benefit Bank checks, automatic debits, Point of Sale (POS) transactions, automatic payments and preauthorized transactions after the transfer date through December 31, 2015, provided you have sufficient available balance in your Armstrong Bank account at the time of presentment of the check or automatic debit transaction. You may want to verify that your automatic payments were paid. Contact us toll free at or visit your local branch if there is a problem. We will continue to accept credits and debits by ACH to your new Armstrong Bank account. A notice will be sent electronically by Armstrong Bank to ACH originators that initiate electronic debits or credits to or from your account. This notice will advise the ACH originator to update their records with Armstrong Bank s routing number. To ensure there is no disruption to your draft or direct deposit service, you may want to contact these companies to verify your new information is correct. Some originators may discontinue the automated transaction if they do not hear from you regarding the routing number change. The new routing and transit number on your Armstrong Bank account(s) will be This change will be effective on Tuesday, May 26, Deposit Accounts Check Orders: You will receive complimentary Armstrong Bank replacement checks and deposit slips in the mail, which will reflect your existing account number and Armstrong Bank s routing and transit number. If you order checks through another source, you must provide your check vendor with the Armstrong Bank name, your account number and Armstrong Bank s routing and transit number, which is When you receive your complimentary new checks and deposit slips, please verify your personal information is correct, and keep these in a secure place. Continue to use your Benefit Bank checks until May 23, If you do not receive your checks by May 18, 2015, please contact us toll free at or visit your local branch. Bank Statements: You will receive a final Benefit Bank statement with account activity through Friday, May 22, All accrued and unpaid interest will be credited to your account as of your final Benefit Bank statement date. Your first Armstrong Bank statement will be processed on your normal statement date. Account Summary Guide (Transfer Effective: May 23, 2015) On May 23, 2015, your current account(s) will be transferred to Armstrong Bank. As previously outlined in this guide, your account number(s) will not change; however your account type may be updated. Please refer to the Account Summary Tables, which show your new Armstrong Bank account type(s) and any changes in the terms and features DEPOSIT ACCOUNTS 9

6 For Benefit Bank customers becoming Armstrong Bank: Personal Deposit Accounts It s important to understand the details of your account. Here s a summary to explain the fees and key terms. If your Benefit Bank account was: Your new Armstrong Bank account will be: Amendments To Your Truth In Savings Disclosure Effective: May 23, 2015 If your Benefit Bank account was: Your new Armstrong Bank account will be: Amendments To Your Truth In Savings Disclosure Effective: May 23, 2015 Benefit Bank Balance Benefit Bank Priority Benefit Bank Free Benefit Bank Kid's Star Saver Investment Checking $1, Minimum Opening Balance No monthly maintenance fee if daily balance is $1, or more $7.95 maintenance fee if daily balance falls below $1, Earns interest on balance of $1, and above *Free Cashier's Checks Priority Checking** For Customers age 50 plus $ Minimum Opening Balance $8.00 service charge if balance falls below $ Interest Earning Account Free Armstrong Bank Checks Free Cashier s Checks Free Checking** $ Minimum Opening Balance No Service Charge Free Armstrong Bank Checks Free Cashier s Checks Kid s Star Saver** $5.00 minimum deposit to open account Earn a $5.00 birthday deposit from the Bank each year Earn Star Stamps with deposits of $5.00 or more Completed Star Saver cards are eligible for a monthly drawing to win a $15.00 deposit credited to the account+ Interest paid quarterly No service charge + Limit five (5) Star Savers cards per day We reserve the right to at any time require not less than seven (7) days notice in writing before any withdrawal from an interest bearing account. Minimum Balance Requirements: You must deposit at least $1, to open this account. A maintenance fee of $7.95 will be imposed every month if the balance in the account falls below $1, any day of the statement cycle. You must maintain a minimum balance of $1, in the account each day to obtain the disclosed annual percentage yield. Balance Computation Method: Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Additional Terms: Refer to Armstrong Bank s Schedule of Fees for a list of fees for services rendered. We reserve the right to at any time require not less than seven (7) days notice in writing before any withdrawal from an interest bearing account. Balance Computation Method: Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Additional Terms: Refer to Armstrong Bank s Schedule of Fees for a list of fees for services rendered. Additional Terms: Refer to Armstrong Bank s Schedule of Fees for a list of fees for services rendered. Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day Additional Terms: Refer to Armstrong Bank s Schedule of Fees for a list of fees for services rendered. Benefit Bank Money Market Benefit Bank Statement Savings or Benefit Bank Tiered Savings Certificates of Deposit and IRA s Money Managers Account $2, minimum opening balance No monthly maintenance fee if balance is $2, or more $7.95 maintenance fee if daily balance falls below $2, Earns interest on balance of $2, and above Free 24-Hour Telephone Access Savings Account $50.00 Minimum Opening Balance Six (6) FREE withdrawals per quarter ($1.25 charge per withdrawal after six (6)) Interest paid quarterly on balances of $50.00 or more No maintenance fee on balances over $50.00 $3.00 maintenance fee if the balance falls below $50.00 any day of the 3-month statement cycle All Certificates of Deposit and IRA Accounts will be transferred to Armstrong Bank with the same terms. We reserve the right to at any time require not less than seven (7) days notice in writing before any withdrawal from an interest bearing account. Minimum Balance Requirements: A maintenance fee of $7.95 will be imposed every month if the balance in the account falls below $2, any day of the statement cycle. You must maintain a minimum balance of $2, in the account each day to obtain the disclosed annual percentage yield. Balance Computation Method: Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Transaction Limitations: During any statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. Additional Terms: Refer to Armstrong Bank s Schedule of Fees for a list of fees for services rendered. The following tiers apply to this account: Tier: $ $2,499.99, $2, $9,999.99, $10, $49,999.99, $50, $99,999.99, $100, & Above We reserve the right to at any time require not less than seven (7) days notice in writing before any withdrawal from an interest bearing account. Minimum Balance Requirements: You must deposit at least $50.00 to open this account. A maintenance fee of $3.00 will be imposed every 3-month cycle if the balance in the account falls below $50.00 any day of the 3-month cycle. You must maintain a minimum balance of $50.00 in the account each day to obtain the disclosed annual percentage yield. Balance Computation Method: Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Additional Terms: A maintenance fee of $1.25 will be imposed for each withdrawal in excess of six (6) during a quarterly statement cycle (Service Chargeable Items: In-Person Withdrawals, ATM Withdrawals, and Transfer Requests made to a Banker by Telephone). Refer to Armstrong Bank s Schedule of Fees for a list of fees for services rendered. Balance Computation Method: Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Additional Terms: Refer to Armstrong Bank s Schedule of Fees for a list of fees for services rendered. *Free Cashier s Checks are available only on consumer accounts opened prior to May 23, 2015 as a Benefit Bank Balance account. **Account type will no longer be offered after May 22, DEPOSIT ACCOUNTS 11

7 For Benefit Bank customers becoming Armstrong Bank: Business Deposit Accounts Products and Services Fee Schedule Effective: May 23, 2015 If your Benefit Bank account was: Benefit Bank DBA Checking Benefit Bank Free Business Benefit Bank Non Profit Benefit Bank Money Market Commercial Your new Armstrong Bank account will be: DBA Checking* $ Minimum Opening Balance $8.00 Monthly Maintenance Fee if Balance Falls Below $ Earns Interest Free Business* $ Minimum Opening Balance Non-Profit Checking* $ Minimum Opening Balance $8.00 Monthly Maintenance Fee if Balance Falls Below $ Earns Interest Business Money Managers $2, Minimum Opening Balance $7.95 Monthly Maintenance Fee if Balance Falls Below $2, Earns Interest Transaction Limits Apply *Account type will no longer be offered after May 22, Negative collected balances are charged at a rate of 4% above the current prime rate posted in the Wall Street Journal. Account Balance Assistance (per hour) $20.00 Account Closing Fee (less than 90 days) $35.00 ATM/Check Card with checking account FREE Replacement Card $3.00 Bank Bags Zipper $5.00 Locking $20.00 Check Card Cross Border Fee 0.90% of total Check Card Currency Conversion 0.20% of total Coin Rolling for Non-Customers 10% of total Counter Checks (per item) $0.50 Check Collections $15.00 Foreign Check Collections $30.00 Credit Confirmation/Verification $19.00 All Deposited Items Returned $5.00 Dormant Monthly Fee $5.00 Fax First Page $5.00 Additional Pages $1.00 Garnishments/Levies $ NSF Paid (Overdraft) Item (each Debit or Check Paid)* $19.00 NSF Returned Item (each Debit or Check Returned)* $19.00 Money Orders $4.00 Non-Customer Check Cashing 3% of check Minimum Charge $10.00 Notary Services $5.00 Overdraft Protection Transfer $10.00 Photo Copies $0.50 Research Copy $2.00 Research Fee (per hour) $20.00 Safe Deposit Box Drill Fee $ Safe Deposit Box Key Deposit $10.00 Safe Deposit Box 3x10** Annual Rental Fee $35.00 Safe Deposit Box 5x10** Annual Rental Fee $50.00 Safe Deposit Box 10x10** Annual Rental Fee $80.00 Special Statement Cut-off $4.00 Statement Printout $3.00 Stop Payment Regular $27.00 Cashier s Check/Money Order $30.00 Warranty Deed Typing $25.00 Wire Transfer Incoming $10.00 Outgoing $15.00 Foreign $35.00 *Fees apply to overdrafts Created by check, in-person withdrawals, ATM withdrawals or other electronic means. **Your safe deposit box will remain the same. We will send you a notice at the time of annual renewal DEPOSIT ACCOUNTS 13

8 Funds Availability Disclosure Effective: May 23, 2015 Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 p.m. Monday through Friday on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after this cut-off time or on a day we are not open, we will consider that the deposit was made on the next business day. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second (2nd) business day after the day of your deposit. However, the first $ of your deposits will be available on the first business day. If we are not going to make all of the funds from your deposits available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5, on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six (6) months. There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh (7th) business day after the day of your deposit. Special Rules For New Accounts If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5, of a day s total deposits of cashier s, certified, teller s, traveler s, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5, will be available on the ninth (9th) business day after the day of deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5, will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the eleventh (11th) business day after the day of your deposit. Draft/Direct Deposit or Automated Clearing House (ACH) Entries: We will continue to accept credits and debits by ACH to your new Armstrong Bank account. A notice will be sent electronically by Armstrong Bank to ACH originators that initiate electronic debits or credits to or from your account. This notice will advise the ACH originator to update their records with Armstrong Bank s routing number. To ensure there is no disruption to your draft or direct deposit service you may want to contact these companies to verify your new information is correct. Some originators may discontinue the automated transaction if they do not hear from you regarding the routing number change. The new routing and transit number on your Armstrong Bank account(s) will be This change will be effective on Tuesday, May 26, If you encounter a problem with your draft or direct deposit service, please call Armstrong Bank toll free at or visit your local branch. Error Resolution: In case of errors or questions about your electronic transfers, call or write us at: ARMSTRONG BANK P.O. BOX 188 MUSKOGEE, OK DEPOSIT ACCOUNTS 15

9 Electronic Banking Please read the following information thoroughly. Your Online Banking User ID will not change, but your password will change. You will maintain the same User ID that you were using to access your existing Online Banking Account. However, your password will be changed to the last 4 digits of your Social Security Number or Tax ID number. When you go to our website, to sign on for the first time you will be prompted to create a new password and answer security questions as part of the authentication process. You can begin to use Armstrong Bank s Online Banking on Tuesday, May 26, If you encounter a problem please call us toll free at or visit your local branch. Online Bill Pay: You can access Online Bill Pay through Armstrong Bank s Online Banking by simply clicking on the option for Bill Pay. Please note that your current history, recurring payments, payment categories, and payees with Benefit Bank s Bill Pay service will not transfer to Armstrong Bank s Bill Pay system. We recommend you print or save any history, payees, and other information you may need. You will automatically be enrolled for Bill Pay on Armstrong Bank s Bill Pay system beginning Tuesday, May 26, You will need to set up any payees and recurring payments you had. Transaction History will begin on the new system on May 26, If you need assistance with set up, contact us toll free at or visit your local branch. In preparing for the transfer, the last day to schedule a Bill Pay payment in the Benefit Bank online banking system is May 15, For payments scheduled for delivery during the conversion weekend, please check with your merchants to ensure payments are received. We apologize for any inconvenience. All Benefit Bank customers who enroll and send a payment through Armstrong Bank s Bill Pay service will be given a one-time $10.00 credit to their account. In order to take advantage of this offer, the payment must be sent by July 31, Mobile Banking: Armstrong Bank offers Mobile Banking, which allows you to view account history, balances and make transfers between your Armstrong Bank accounts from your smart phone or tablet 24 hours a day, seven days a week. You can download the Armstrong Bank smart phone or tablet app and begin accessing Mobile Banking on Tuesday, May 26, The app is available for both Android and ios operating systems and can be found in the App or Play store. Electronic Statements: We offer Electronic Statements and Notices ( e-docs ) through Armstrong Bank s Online Banking service. If you received e-docs with your Benefit Bank account, you will continue to receive your statements electronically from Armstrong Bank. If you have not previously received e-docs, but would like to enroll, click on the option e-docs in Online Banking and follow the instructions for enrollment. You can enroll for Armstrong Bank s e-docs beginning Tuesday, May 26, Telephone Banking: You will automatically be set up on Armstrong Bank s Telephone Banking system. Initially, to access account information, you will be required to enter your account number and full Social Security Number. You will then be prompted to establish a new PIN. You may access our Telephone Banking system by calling or Initial access will be granted for all customers on Tuesday, May 26, If you encounter a problem with the Telephone Banking system, please call Armstrong Bank toll free at or visit your local branch. ebill: Armstrong Bank does not currently offer the ebill service. If you are using this product, you will need to make other arrangements to receive your bills by contacting each payee. We apologize for any inconvenience. Armstrong Bank is always re-evaluating our current Electronic Banking products and enhancing them to make them the best they can be. BUSINESS SOLUTIONS Remote Deposit Capture: Remote Deposit Capture allows business customers the ability to process checks and deposits from their business locations. Businesses can also accept check payments by phone to initiate ACH transactions. We will contact existing customers personally, prior to May 1, 2015, to set up a time to provide information and training on our Remote Deposit Capture system. Cash Management: Cash Management allows business customers to initiate ACH transactions (debit or credit) and initiate wire transfers. Administrative permissions are available for you to independently manage and control access. We will contact existing customers personally, prior to May 1, 2015, to set up a time to provide information and training on our Cash Management system. Merchant Services: Merchant Services provides business customers with an efficient and cost-effective solution to accept debit and credit card payments. Our Interchange Plus pricing model offers competitive pricing with a variety of solutions available. If your Merchant Services contract was through Benefit Bank, an Armstrong Bank representative will contact you about available credit card processing options through Armstrong Bank. Please contact us at or visit your local branch if you have any questions ELECTRONIC BANKING 17

10 Your loan account will be transferring to Armstrong Bank. There will be no changes to the terms and conditions on your loan. Your account numbers will not change. You may continue to make payments at your local branch or online at If you use a coupon book to make your payments, you will receive a new coupon book from Armstrong Bank. If you have an automatic transfer from your account, these transfers will continue to be made as scheduled. We offer a wide variety of products to fit your credit needs. Visit your local branch to find out how we can help you. Automated Clearing House (ACH) Payments: We will continue to accept loan payments by ACH to your new Armstrong Bank loan. A notice will be sent electronically by Armstrong Bank to ACH originators that initiate electronic payments to your loan. This notice will advise the ACH originators to update their records with Armstrong Bank s routing number. Loan Accounts To ensure there is no disruption to your payment you may want to contact these companies to verify your new information is correct. Some originators may discontinue the automated transaction if they do not hear from you regarding the routing number change. The new routing and transit number on your Armstrong Bank account(s) will be This change will be effective on Tuesday, May 26, If you encounter a problem with your draft or direct deposit service, please call Armstrong Bank toll free at or visit your local branch LOAN ACCOUNTS 19

11 Privacy Policy PRIVACY 21

12 Should You Have Questions We hope the information in this booklet is helpful as we welcome you to Armstrong Bank. We look forward to meeting all of your financial service needs. For a complete list of our branch and ATM locations, along with hours of operation, please go to our website at Scan this QR code to visit our website. If you have any questions, you may visit us at your local branch or call us toll free at

13 Hwy. 412 Oklahoma I-40 Hwy. 75 I-49 Arkansas Hwy. 69 Locations Bartlesville 1701 S.E. Washington Blvd. Bartlesville, OK Muskogee 1215 W. Okmulgee Muskogee, OK Vian Thornton & Schley Vian, OK Checotah 1111 W. Gentry Checotah, OK Dewey 525 N. Osage Dewey, OK Fort Gibson 805 S. Lee Fort Gibson, OK Gore 409 N. Main Gore, OK Keys Highway 82 Park Hill, OK Muldrow 810 E. Shawntel Smith Blvd. Muldrow, OK Chandler Rd. Muskogee, OK Pawnee 501 Harrison Pawnee, OK Sallisaw 800 W. Ruth St. Sallisaw, OK Stilwell 501 S. Second St. Stilwell, OK Tahlequah 1364 E. Downing Tahlequah, OK S. Muskogee Ave. Tahlequah, OK Wagoner 1500 W. Highway 51 Wagoner, OK Warner 810 N. Campbell Warner, OK Fort Smith 2930 Old Greenwood Rd. Fort Smith, AR S. Waldron Rd. Fort Smith, AR Phoenix Ave. Fort Smith, AR Highway 71 S. Fort Smith, AR Springdale 6800 Isaac s Orchard Rd. Ste. B Springdale, AR 72762