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Karen Franks

Karen Jean Franks

Saturday September 9, 1944 - Friday December 16, 2022
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PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE (AS DEFINED HEREIN). By using this Website, you signify your acknowledgment and agreement to these Terms and Conditions. If you do not agree with these Terms and Conditions, DO NOT use this Website (as defined herein).

These Terms and Conditions govern the use of the Book Of Memories websites (the "Website") and other services (collectively the "Services"). FrontRunner Professional ("Company," "we," "us," "our") reserves the right in our sole discretion to change, amend or modify (the "changes") all or part of these Terms and Conditions at any time and from time to time for any reason. Any changes to these Terms and Conditions will be noted by indicating the date these Terms and Conditions were last made. Any changes will become effective no earlier than fourteen (14) days after they are posted; provided, however, that changes addressing new functions of the Services or changes made for legal reasons will be effective immediately. Your use or continued use of the Services after the date any such changes become effective shall constitute your express acceptance of the Terms and Conditions as changed, amended or modified.

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Definitions: In these Terms and Conditions "Campaign Organizers" means those raising funds, and "Campaigns" as their fundraising campaigns. Additionally, "Donors" means those contributing funds, and "Donations" as the funds they contribute. Campaign Organizers, Donors and other visitors to the Services are referred to collectively as "Users". The term "Campaign Organizers" shall also be deemed to include any individual(s) designated as a beneficiary of Campaigns.

Services: The Services are offered as a platform (the "Platform") to Users of the Services. Among other features, the Services are designed to allow Campaign Organizers to post Campaigns to the Platform to accept Donations from Donors. Although there are no fees to set up Campaigns, a portion of each Donation will be charged as fees for our Services and those of our third party payment processors. Company reserves the right to modify or discontinue, temporarily or permanently, the Services with or without notice. You agree that Company will not be liable to you or to any third party for any modification, suspension or discontinuance thereof. The Company has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Services. To the extent you access the Services through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain Services may be prohibited or restricted by your carrier, and not all Services may work with all carriers or devices. By using the Services, you agree that we may communicate with you regarding Company and other entities by SMS, MMS, text message or other electronic means to your mobile device and that certain information about use of the Services may be communicated to us.

Charitable Giving: Campaigns are not charities to which you can make tax-deductible charitable contributions. Any Donation you make through the Platform may be processed by an unaffiliated business partner for which a processing fee (in addition to our FrontRunner Professional Fee) is deducted. You understand, acknowledge and agree that Company is not a charity, and Company does not solicit charitable donations for itself or for any third-party charitable institution. Company is merely acting as a payment facilitator for any Donations.

Administrative Platform Only: The Services are an administrative platform only. The Company is merely acting as a payment facilitator for any Donations between Campaign Organizers and Donors, and is not a party to any agreement between Campaign Organizers and Donors. Company is not a broker, agent, financial institution, creditor or insurer for any user. Company has no control over the conduct of, or any information provided by Campaign Organizers, and Company hereby disclaims all liability in this regard. We expressly disclaim any liability or responsibility for the success or outcome of any Campaign. Donors must in their sole discretion make the final determination of making Donations to any Campaigns. Donors are solely responsible for asking questions and investigating Campaign Organizers and Campaigns to the extent they feel is necessary before making a Contribution. All Donations are made voluntarily and at the sole discretion and risk of Donors. Company does not guarantee that Donations will be used as promised. Company does not endorse, guarantee, make representations, or provide warranties for or about the quality, safety, or legality of any Campaign. Donors are solely responsible for determining how to treat their Donations for tax purposes.

No Verification of Campaign Information: We do not verify the information that Campaign Organizers supply, and do not guarantee that the Donations will be used in accordance with any fundraising purpose prescribed by Campaign Organizers. We disclaim and assume no responsibility to verify whether the Donations are used in accordance with any applicable laws.

Your Registration Obligations: You may be required to register with Company in order to access and use certain features of the Services. If you choose to register for the Services, you agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the Services' registration form. Campaign Organizers must register using their true identities, including their name and any image purporting to depict the Campaign Organizer. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 13 years of age, you are not authorized to use the Services, with or without registering. In addition, if you are under 18 years old, you may use the Services, with or without registering, only with the approval of your parent or guardian. Certain aspects of our Services may also require you to register with (and agree to the terms of) third party service providers (e.g., payment processors or charitable donation processors) in order to utilize such Services. While we may help facilitate such registration in some cases, we are not a party to any such relationships and disclaim any responsibility or liability for the performance by such third parties. We may exchange information with such third party services in order to facilitate the provision of Services (and related third party services).

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Payment of Donations: In order to contribute to a Campaign, Donors will be required to provide Company information regarding its credit card (i.e., VISA, MasterCard, Discover or American Express) or other payment method. Donors represent and warrant to Company that such information is true and that Donors are authorized to use the credit card or payment method. Donors agree that a certain minimum Donation amount may apply, and that all Donation payments are final and cannot be refunded. Donors agree to promptly update account information with any changes that may occur and to pay the Donation amount that you specify. Donors hereby authorize Company to bill Donors' credit cards and payment methods in advance on a periodic basis until Donors terminate periodic payments through the Platform.

Fees: Company does not charge Campaign Organizers any upfront fees for Campaigns. Company retains a portion of each Donation contributed to Campaigns in the amount of four percent (4%) ("FrontRunner Professional Fee"). A portion of the Donation is payable to our third party payment processors ("Processing Fee"). Donors acknowledge that by contributing Donations to Campaigns, Donors are agreeing to any and all applicable terms and conditions set forth by a third party payment processor, in addition to these Terms and Conditions. The portion of each Donation payable to and retained by our third party payment processors are:

        • US Users ONLY: Third party payment processor charges a fee of 2.9% AND $0.30 per donation for VISA, MasterCard or Discover cards or 3.4% AND $0.30 per donation for American Express cards.

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All Tribute Pay Fees and Processing Fees ("Fees") are deducted directly from each Donation and are not reflected in the amount which Campaign Organizers can withdraw from the Campaign. We reserve the right to change any of the Fees from time to time. If we change any of the Fees, we will provide notice of the change on the Website or otherwise, at our option, at least fourteen (14) days before the change is to take effect. Your continued use of the Services after the change in any of the Fees becomes effective constitutes your acceptance of the new Fees.

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DISPUTE RESOLUTION - ARBITRATION (READ CAREFULLY): You agree to arbitrate all disputes and claims between you and Company (including our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns). Notwithstanding the foregoing, either party may bring an individual action in small claims court. Notice of Dispute ("Notice"). The Notice to Company should be sent to 2501 Parmenter Street, Suite 300A, Middleton, WI 53562, Attn: President, with a copy by email to support@tributepayments.com ("Notice Address"). The Notice must (i) describe the nature and basis of the claim or dispute, and (ii) set forth the specific relief sought ("Demand"). If Company and you do not reach an agreement to resolve the claim within sixty (60) days after the Notice is received, you or Company may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Company or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Company is entitled.

The arbitration will be governed by the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Terms and Conditions, and will be administered by the AAA. The AAA Rules are available online at adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address. The arbitrator is bound by the terms of this Terms and Conditions. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of the arbitration provision. Unless Company and you agree otherwise, any arbitration hearings will take place in Chicago, Illinois. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both you and Company agree otherwise in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.


BOOKOFMEMORIES.COM, including mobile applications and related services (collectively the “Site”) is fully owned and operated by FrontRunner Professional, (the “Company,” “we,” “us,” “our”). Company takes your privacy seriously. We feel it is important that you fully understand the terms and conditions under which we use the information we gather from you through the use of our Site. Please read this Privacy Policy ("Policy") carefully to understand how we will use and protect your Personal Information. We will not share your Personal Information with anyone except as described in this Policy. Changes to this Policy will be announced on our Site, so please check back periodically. This Policy forms part of the Company’s TERMS AND CONDITIONS and is incorporated by reference to those Terms and Conditions.

This Policy outlines Company’s general policies and practices for protecting your private information on this Site. It covers why Company collects information, the types of information it gathers, how it uses such information, and the notice and choice affected individuals have regarding Company’s use of and their ability to correct their information. This Policy applies to all personal information received by Company whether in electronic, written, or verbal format.

Company reserves the right to modify this Policy at any time and will do so from time to time. Each modification shall be effective upon its posting to the Site. Your continued use of the Site following any such modification constitutes your acceptance of any change(s) to this Policy. It is therefore important that you review this Policy regularly. If you have any questions concerning this Policy please contact Company at support@frontrunner360.com.

1. Scope

This Policy covers the Site in part and as a whole. However, it does not apply to entities that Company does not own or control, including without limitation, Campaign, advertisers or developers of content. Company may include third-party links on the Site. These third-party sites are governed by their own privacy policies and NOT this Policy. Company therefore has no responsibility or liability for the content and activities of these third-party sites. Please check the privacy policy of any third-party site you interact with on or off the Site.

2. General Policy Provisions

  1. Definitions

    “Personal Information” includes both “Personally Identifiable Information” and “Non-Personally Identifiable Information”.

    "Personally Identifiable Information" refers to information that lets us know the specifics of who you are and can be used to identify, contact or locate you. Personally Identifiable Information is requested when you register with us, make a Donation, correspond with us, or otherwise volunteer information, for instance, through the use of "Contact Us". Personally Identifiable Information may include, without limitation, your name, mailing address, telephone number, e-mail address, credit card number, and other identification and contact information.

    "Non-Personally Identifiable Information" refers to information that does not identify a specific individual by itself or in combination with other information. We gather certain information about you based upon what you view on our Site in several ways. This information is compiled and analyzed on both a personal and an aggregated basis. This information may include the Site’s Uniform Resource Locator ("URL") that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol ("IP") address. A URL is the global address of documents and other resources on the World Wide Web (‘Web”). An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the World Wide Web. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet, browse and shop

    “Sensitive Personal Information” means Personal Information that reveals race, ethnic origin, sexual orientation, political opinions, religious or philosophical beliefs, trade union membership or that concerns an individual’s health.

  2. Notice

    Company shall inform you of the purposes for which it collects and uses Personal Information and the types of non-agent third parties to which Company discloses or may disclose that information. Company shall provide you with the choice and means for limiting the use and disclosure of your Personal Information. Notice will be provided in clear and conspicuous language when you are first asked to provide Personal Information to Company, or as soon as practicable thereafter. In any event, you will receive notice before Company uses or discloses the information for a purpose other than that for which it was originally collected.

  3. Choice

    Company will offer you the opportunity to choose (opt-out) whether Personal Information is to be disclosed to a third party or to be used for a purpose other than that for which it was originally collected or has subsequently been authorized. For Sensitive Personal Information (when applicable), Company will give you the opportunity to affirmatively or explicitly consent (opt-in) to the disclosure of the information for a purpose other than that for which it was originally collected or has subsequently been authorized. Company will treat Sensitive Personal Information it receives from anyone the same as it would treat its own Sensitive Personal Information.

  4. Security

    Company shall take reasonable steps to protect Personal Information from loss, misuse, unauthorized access, disclosure, alteration, or destruction. No company is immune from Internet attacks or data breaches. Company cannot guarantee the security of information on or transmitted via the Internet.

  5. Data Integrity

    Company shall only process Personal Information in a way that is compatible with and relevant to the purpose for which it was collected or has been authorized. To the extent necessary for those purposes, Company shall take reasonable steps to ensure that Personal Information is accurate, complete, current, and reliable for its intended use.

  6. How to Access Your Information

    Company offers you choices for the collection, use and sharing of Personal Information. You may notify Company of your preferences, or change any Personal Information, by emailing support@frontrunner360.com. Please be sure to provide complete account information so Company can identify you in its records.

    You may also stop the delivery of future promotional e-mail from Company by responding directly to any email you receive with a request to remove you from the mailing list.

3.Reasons the Company Collects Personal Information

Company collects your Personal Information because it helps deliver a superior online experience, gives you convenient access to the Site for browsing, and allows key features of the Site to function properly. In order to better provide you with this superior level of customer service, our Site collects two types of information (referred to in this policy as "Personal Information") about our visitors: Personally Identifiable Information and Non-Personally Identifiable Information. In addition, your Personal Information helps Company keep you informed about the latest announcements, special offers, and events that you might like to hear about.

4. Information Company Collects About You

Any time a guest or member (collectively “Users”) accesses the Site they receive a “cookie” from Company. Company uses cookies (small pieces of data stored for an extended period of time on a computer, mobile phone, or other device) to make the Site easier to use and to protect both you and Company. These cookies give Company certain Non-Personally Identifiable Information about your use of the Site. You may remove or block cookies using the settings in your browser, but in some cases that may impact your ability to use the Site. Company may also use pixels, widgets and other tools to gather such Non-Personally Identifiable Information to improve the experience of the website or mobile application.

Company may contract with third-party service providers to assist it in better understanding its Site Users. These service providers are not permitted to use the Non-Personally Identifiable Information collected on Company’s behalf except to help it conduct and improve its business.

When you access the Site from a computer, mobile phone, or other device, Company may collect Non-Personally Identifiable Information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about the user base as a whole. Company will not use the information collected to market directly to that person.

Company keeps track of some of the actions you take on the Site such as member profiles and pages you view. Even if you do not provide certain information, Company may obtain it from you profile or the pages of its Site that you visit. Company may retain the details of connections or transactions you make on the Site.

5. Information You Provide to Company

To become a User, Company shall collect certain Personally Identifiable Information, which you are required to provide. Information that is not required shall be deemed voluntary and you may provide such information, although not mandatory.

While using the Site, you may provide text, files, images, photos, videos, location data, or any other materials (collectively “Content”) to Company by uploading, posting, or publishing the Content on the Site. Frequently, Content you place on the Site will contain a picture of your face. Company may retain the details of connections or transactions you make on the Site.

Where applicable, when you interact with other Users on the Site, you may provide other information about yourself, such as political or topical views, religious affiliation, or marital status. Any information in a public forum is accessible by anyone, including people who are not members of the Site. Please be aware they may share information you give them with other Users you may not know. They may also share the information outside the Site without your prior approval. Company does not have control over the actions of its Users and accepts no responsibility or liability for their actions. Please keep this fact in mind when using the Site, and use care when disclosing Personal Information to other Users of the Site.

Company may also collect information from ads you click on when using the Site. Company may also keep track of links you click on in e-mails you receive from Company. This is done to increase the relevancy of the ads you see.

6. How Company Uses Your Personal Information

Company uses the information you are required to provide to become a User in order to insure you are over the age of thirteen (13). THE SITE IS NOT MEANT TO BE USED BY ANYONE UNDER THE AGE OF THIRTEEN (13). If you are under thirteen, please do not attempt to register with the Site or send Company any Personal Information. Company may also use your age information to be sure you receive an age appropriate experience while using the Site.

Company will use the information it collects to provide, without limitation, services and features to you and facilitate payment for any Donations between Campaign Organizers and Donors and provide information to Campaign Organizers and Campaign beneficiaries. Company will also use the information to measure and improve the Site, and to provide you with customer support.

Company may contact you with new or updated products or services, designs, routes, surveys, or other related announcements from time to time. You may opt-out of all communications except essential updates. Company may include Content in the e-mails sent to you.

Certain software applications and applets transmit data to Company. Company may not make a formal disclosure if it believes its collection of and use of the information is the obvious purpose of the Site or its related application. If it is not obvious that Company is collecting or using such information, it will disclose its collection to you the first time you provide the information.

Company may use the information collected to prevent potential illegal activities. Company may also use a variety of methods to detect and address anomalous activity and screen content to prevent abuse.

Company may use your information to serve you personalized advertising. Company does not share your information with advertisers without your consent. Company allows advertisers to choose the characteristics of Users who will see their advertisements. Company may use any of the Non-Personally Identifiable Information it has collected in any fashion to select the appropriate audience. Company will not tell the advertiser who you are as part of this process. When you interact with an advertisement there is a possibility that you may receive a cookie from the advertiser.

7. How Company Shares Your Information

Company shares your Personal Information with third parties when it believes you have permitted such sharing, that it is reasonably necessary to offer services, or when legally required to do so. Company will not share your Personally Identifiable Information with third parties in a way that it thinks violates your privacy. The following non-exhaustive list contains examples of how Company shares or could share your information:

  1. If Site allows you to invite a friend to join the Site or become a User, and you choose to do so, the invitation will contain information that will allow your friend to identify you. The invitation may contain information about other Users your friend might know.

  2. Certain information you provide to Company may be shared by using the Site’s search function. This allows other Users to locate your profile and it allows new Users to find people they know on the Site.

  3. Company provides some public information to search engines. This information allows search engines to locate the Site. It also allows people to locate you on the Site using a major search engine. This does not mean all information you post on the Site may be accessed using a search engine.

  4. There are also times when Company may make certain Personal Information about you available to strategic partners or third parties. These companies may help Company process information, render services to you, manage and enhance customer data, provide customer service, assess your interest in products and services, or conduct research or satisfaction surveys. Without such information being made available, it would be difficult for you to use Company's Site and services.

  5. Company may also share Personal Information when it has a good faith belief it is necessary to prevent fraud or other illegal activity, to prevent imminent bodily harm, or to protect itself and you from people violating the Terms and Conditions of the Site. This may include sharing information with other companies, lawyers, and courts or other government entities.

  6. Company may disclose information pursuant to subpoenas, court orders, or other requests (including criminal and civil matters) if it has a good faith belief that the law requires such a response. This may include requests from jurisdictions outside of the United States if Company has a good faith belief that the response is required by law under the local laws in that jurisdiction, is applicable to users from that jurisdiction, and is consistent with generally accepted international standards.

  7. Company may disclose analyzed data in the form of purchasing trends or statistical data. No Personally Identifiable Information will be attached to this disclosure.

8. Business or Asset Transfer or Sale

Company may be sold, sell or buy businesses or assets of businesses, or merge with another business. In such transactions, Personal Information generally is one of the transferred business assets. Also, in the event that Company, a line of business of Company, or substantially all the assets of Company are transferred, Personal Information may well be one of the transferred assets. Company will make a reasonable effort to provide notice on the Site, and to notify you via e-mail to the most recent e-mail address that you have provided of any such change in ownership or control of your personal information.

9. Miscellaneous

  1. Privacy of Children


    Protecting children’s privacy is especially important to Company. Company does not knowingly collect Personal Information from children under 13, but because some information is collected electronically, it can appear to be the Personal Information of someone over the age of 13, and will be treated as such by this Policy. If a child under 13 submits Personal Information and Company learns that Personal Information pertains to a child under 13, it will attempt to delete the information as soon as possible. It is Company’s policy to comply with the Children’s Online Privacy Protection Act of 1998 and all other applicable laws. Therefore, Company restricts the Site and all other provided services to persons 18 years or older.

  2. Agreement with Policy and Continued Use of Site

    Unless stated otherwise, Company’s current Policy applies to all information that Company has about you, your account, and access to the Site. By using the Site, you consent to this Policy and having your Personal Information and data transferred and processed as described.


Please share your favorite memory of Karen to be included in a special keepsake book for the family.
A Karen Allman Ringer Franks Story
By Rhonda Ringer-Riley
Unplanned. Unexpected. Undeniably a surprise. Karen Jean Allman entered the world on September 9th, 1944, the youngest and 4th child of Raymond and Faye Allman. Thirty-three year old Faye may not have been as excited about this surprise bundle of joy as she was with her older children Bernadine, Elaine and Karl who had all entered the world over a decade ago, but the doctor suggested that God gave her this child for a reason. She might be the one to care for her in her old age. And he was right! When you survive to the age of 96 and outlive your three eldest children, you are happy for that surprise child who is strong and able to care for you. But being a daughter was just one of many important purposes God had planned for Karen Allman.

At age 4, Karen became an aunt. Her older sister Bernadine had three boys—Wayne, Mark and Terry. Karen spent much time with her sister’s family and always said she felt like the boys were her little brothers. One activity with the boys that she remembers fondly was to accompany them on piano for their cornet trio at contest. They played “Bugler’s Holiday,” a fast, fun fanfare for a trio of triumphant trumpeters.

Playing piano is a skill that Karen started learning at age 6. Her parents bought her a Wurlitzer upright piano that with the appropriate care, maintenance and practice time has lasted a lifetime. Her mother told the piano teacher that she wanted Karen to become a church pianist but if she didn’t have any talent to please let them know so they wouldn’t be wasting their money. It was obvious that Karen had the appropriate talent and she dutifully practiced every day. That is, when her mother gave her the option of helping with the supper dishes or practicing the piano, Karen chose the piano option and managed to complete the practice assignment at the exact time that the supper dishes were put away. Her timing was impeccable. Counting is one of the abilities that made her a great accompanist and church pianist. Her mother had a dream for her and fortunately, Karen was good at piano and enjoyed playing at church beginning at age 12. After 66 years of being a church pianist, Karen said, “I think I fulfilled that desire of my mother’s.” Besides fulfilling her mother’s dream, Karen always felt that playing at church was one of God’s specific purposes for her. For one thing, Karen not only learned to play piano but she also took twelve lessons on the organ. This gave her just enough knowledge to fake her way around as an organ player which is far beyond what most of us can do. Many people enjoyed Karen and a pianist playing piano/organ duets. The second thing revealed itself with each transition in life to a new location and a new church. Very shortly after attending each new church, there became a need for someone to play piano or organ.

Karen had music as a prominent fixture throughout her life. Summers growing up brought a break from piano lessons and a switch to accordion lessons. The accordion band was the popular summer thing to do for the young students. Karen became quite proficient and would entertain the family at Christmas and other gatherings with her accordion prowess.
Another special music memory with her daughter was music duets. Sometimes a piano duet, but more often a piano/trombone duet. Karen was an excellent accompanist for these duets on pieces like “My Tribute,” “Jesus Paid It All,” “Wonderful Grace of Jesus,” “I’d Rather Have Jesus” and many more.

In addition to being musically talented, Karen also possessed athletic abilities. After attending a recent class reunion, Karen shared how she was the second fastest girl in the second grade. Fast enough to beat several boys. One man told of how he had been challenged by his friends that he couldn’t even beat Karen Allman. Of course, he was obligated to challenge her to a race which turned out to be a picture day where everyone was dressed up. Nevertheless, the race was on and Karen blew him away. So bad that he had to fake a fall to save face and sadly tore a hole in the knee of his pants. All he saw was the back of her head.

Being a wife and mother proved to be another of Karen’s purposes in life. On November 22, 1969, she married David Ringer. Karen grew up a city girl but learned to be a farmer’s wife out in the country. They had two children, John and Rhonda. They attended Deer Creek Baptist Church in Edmond, Oklahoma where Karen’s nephew Wayne Stewart led the music. About six months before Rhonda was born, Wayne and his wife Ruth had their third child Amy. During the church announcements Wayne thanked the church for all their assistance and informed them that Ruth and the baby were doing fine. Wayne finished by asking if there were any other announcements. Three year old John Ringer boldly declared with clear enunciation, “We’re gonna get a baby at our house!” Both his parents turned red in the face from embarrassment and contemplated why they had told a three year old this information before anyone else. John definitely has a way of bringing down the house as several chuckles were heard throughout the service.

On November 15, 1975 they moved to Balko, Oklahoma. Wheat harvest was a highlight of each year. Karen did her share of driving the wheat truck and bringing meals to the field. At age 7, John started driving combine which turned out to be one of his favorite activities. Karen taught Rhonda how to cook and how to deliver a hot meal to the field. Eating meals together was a family tradition. Every morning, Karen cooked a hot breakfast that everyone enjoyed. Sunday dinner after church was often roast, potatoes, carrots and rolls. Conversation brought much laughter and enjoyment.

A few lessons that Karen taught her kids involved a sewing machine, a wheat truck, and an airplane.

Lesson number one is about the healing power of Dr. Pepper. The family had recently moved to Balko. They lived in a trailer until they could make the needed improvements on the old farmhouse. The nearest hospital was 25 miles away, they were new to the community , and money was extremely tight. “We were poor,” is what Karen later told her children. At this time John was four and one day he managed to run the needle of the sewing machine through the end of his thumb. What do you do? Back the needle out of the thumb and drink a Dr. Pepper. It works wonders.

The second lesson is two-fold. First, don’t ever get separated from your drink when you’re driving wheat truck. You might get dehydrated and end up in bed with a kidney infection which Karen testified is not fun. The second part is to never underestimate your value in spite of your small wheat truck or small size in general. Karen pulled up to the Equity scales in Perryton, Texas in her small wheat truck. With the dump station 25 yards in front of her wide open, they instructed her to go to Twitchell a few miles away to dump her wheat. Apparently, they wanted to save the premium spot for the bigger trucks. Karen politely told them, “Uh, uh, I’m going right there,” as she pointed to the empty station right in front of her. They said, “Yes, ma’am, pull straight ahead.”

Lesson number three is to never be afraid to learn new things. See something you wonder if you’re good at? Take a class and find out. Karen learned toll painting, painting ceramics and quilting which turned out to be a life long hobby that she was good at and was able to pass on to others. Karen loved passing that on to her granddaughter Claire. Even though quilting stuck with Karen for the rest of her life, there is one activity that she did not continue and that was becoming a private pilot. Let’s preface this story with the fact that becoming a pilot was never a childhood dream of Karen’s. Her reason for taking flying lessons had everything to do with self preservation. Her husband David fulfilled his desire of becoming a pilot. Karen decided that if she was going to fly with David in a two- seater plane, she wanted to know how to land the plane safely in the event that something happened to David while they were flying and he was unable to fly the plane. So, Karen took flying lessons and the day came for her to take her first solo flight. She took off and everything was fine until….the plane coughed…and stopped responding like it was supposed to respond. An emergency landing was the next step. There are four things to remember when you have to make an emergency landing. Karen could only remember one—pick a field. She made a selection, saw that there were gas tanks in that field, looked out the other side and chose another field. God must have guided her through the other three steps because she safely landed the plane and completely lost her desire to complete the course and get her pilot’s license. She had learned how to land a plane and that was her goal. So don’t be afraid to try new things and if it’s not your cup of tea, you can quit with no shame! Soaring to higher heights isn’t always what it’s cracked up to be.

One particular story of family lore involved an incident from the church Children’s Christmas program. A young thespian playing the role of a donkey had a line that was supposed to emphasize the word “is.” “My load IS big.” Not understanding, the boy kept emphasizing MY and BIG. MY load is BIG. A few days after this incident, Mom was folding laundry and held up a pair of her underwear. Her clever son who happened to be in the room borrowed the line from the Christmas program, made a minor adjustment and emphasized all three of the key words. MYYY, your load IS BIG! While the rest of the family laughed, John got one of those Mom looks followed by a roll of her eyes and eventually a chuckle.

Being a mom motivated Karen to take part as a training union teacher and Vacation Bible School teacher during the time her children were participating in these activities. During the training union class on Sunday nights, Karen would lead all the elementary kids in singing a few songs with piano accompaniment. Then she took the 4th - 6th grade students to prepare them for the Bible Drill Competition held in the Spring. Each year this required learning 25 scripture verses, the references of ten key passages which you could find in ten seconds or less, and the books of the Bible in order and be able to find in ten seconds or less. More importantly, Karen taught the kids to look for the meaning in the scriptures and learn if there was a promise to claim, a rule to obey, an example to follow, or a scripture to memorize. Throughout the years, Karen had various students come back to her with their thanks that she taught them to memorize scripture because it had been so helpful throughout life. Sarah Regnier Johnson had this to say…

“Through her efforts with Bible Drill, I learned so much about scripture memory and Books of the Bible that I carried with me all this time. It impacted me so much that these last few years I have felt called or led to start something similar at the church I attend. Although we don’t go to competitions yet, we learn a verse every week, we work on learning the books of the Bible, and I try to give them a Bible truth each time we meet on Wednesday nights so that they won’t walk away from the faith when they get older. Hopefully I can have the same impact on these kids as she had on me:). Her influence has also impacted my own kids as I saw the importance of scripture memory and instilled it in my own kids. So thank you, Karen, for your hard work, efforts, and frustrations you went through on my behalf:). She was a real trooper!!!”

Karen’s purpose to teach young kids the importance of memorizing scripture has reached farther than she ever imagined it would.

Balko was home for the Ringer family and they were grateful for the community support in 1991 when David was killed in a truck accident. With John in college at OSU and Rhonda in high school, they stayed in Balko until Rhonda graduated in 1993. Karen then built a house on the family farm in Edmond, Oklahoma. She said she didn’t mind being a farmer’s wife, but she didn’t want to be the farmer (which was not required with this move to Edmond).

One accomplishment of Karen’s that her children are proud of but tight lipped about where this came about are her college degrees. Karen’s first degree in 1966 was a B.S. in Physical Education from Oklahoma University. Her second degree came later in life from Panhandle State University, a B.AA in Business Education. Growing up, her kids remember her listening to Sooner football on the radio. So you might be wondering how this former Sooner became a die-hard Cowboy fan. It started gradually but might have come on suddenly at some point. When John started at Oklahoma State University, Karen would only wear a t-shirt that said, “My kid and my money go to OSU.” When Rhonda started at OSU, she was a member of the Cowboy Marching Band. Being the supportive mother that she was, Karen attended every home football game. During Bedlam of that first year of being in the marching band (1993), Karen and Rhonda took a picture of Karen in her OU sweatshirt and Rhonda in her OSU Marching Band uniform. Two years later on November 12, 1995, the Cowboy Marching Band debuted their new white uniforms and the Cowboys beat the Sooners 12- 0 in Norman. Karen wore orange on that day and celebrated as a Cowboy fan. Who knows when her allegiance officially switched, but we Cowboy fans love her for it. Go Pokes!

In 1995, Karen reconnected with her high school sweetheart Forrest Franks. This reunion was instigated by their mothers. After dating a couple weeks and talking on the phone for hours and hours every day (and ignoring their children when they came home from college for Spring Break because they couldn’t tear themselves away from the phone), they got married on March 31st. Having retired from his job in Denver, Colorado, Forrest made the move to Edmond, Oklahoma where they lived until moving to Stillwater, Oklahoma in 2006. Being avid Cowboy fans made this move to Stillwater especially delightful for them. With this move came a new church—University Heights Baptist Church where they have felt loved and supported.

Karen enjoyed participating with Hands Abroad and Joy Bags where she developed special relationships with women from around the world. Mithin Selvaraj became like a daughter to Karen and a sister to Rhonda. And of course, playing piano and organ at UHBC brought much enjoyment to Karen.

Besides being a mom, Karen added mother-in-law to Wendy Purcell Ringer (John’s wife) and Ted Riley (Rhonda’s husband). It is rumored that she was a pretty good mother-in-law.

One of Karen’s most important desires past the age of fifty was to have a good relationship with her grandkids—for them to know her and have good memories of her. She loved being a grandma and enjoyed her time with Claire, Wyatt and Clancy immensely. Claire enjoyed learning a few sewing and quilting tips from Grandma Karen as well as making Peach honey, a tradition passed down from Grandmother Ringer (David’s mother).

Karen’s life was unexpected but carefully planned by her Creator. Her desire is for everyone to know Jesus. It was her mission to live every day like it was Sunday—a day of praising her Lord, worshipping her Savior and seeking to know her Creator more intimately. He took her home on December 16th, 2022. Karen’s family and friends rejoice that she is healed from cancer and awaiting our reunion when we all get to heaven.
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Service Details

  • Visitation

    Tuesday, December 20th, 2022 | 10:00am - 6:00pm
    Tuesday, December 20th, 2022 10:00am - 6:00pm
    Strode Funeral Home
    610 S. Duncan Street
    Stillwater, OK 74074
    Get Directions: View Map | Text | Email
  • Service

    Thursday, December 29th, 2022 | 10:00am
    Thursday, December 29th, 2022 10:00am
    University Heights Baptist Church
    323 South Knoblock Street
    Stillwater, OK 74074
    Get Directions: View Map | Text | Email
  • Online Memory & Photo Sharing Event

    Online Event

    About this event

    In Loving Memory Of

    Karen Franks

    September 9, 1944 - December 16, 2022

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Linda Kelley

Posted at 03:59pm
Karen was 2 yrs. and 9 mo. old when she became an aunt to her sister Elaine's baby girl Linda. I have a picture of this tiny little girl holding me on the couch. For the first 7 yrs. of my life, she was more like a sister than an aunt. Karen called herself my Sister/Aunt. I am sure she sometimes thought of me as a Pesty/niece. Many years and distance separated us until we were both mothers of grown children and grandchildren...we came to draw upon and rekindle that same love and affection that we started with. What a blessing she was in my life. I will miss the sharing of memories giggles and example this wonderful, loving wife, mother, grandmother and friend bestowed on me. Til we meet again KJ

John Ringer

Posted at 11:31pm
Link for memorial service

John Ringer

Posted at 11:42pm
In lieu of flowers, donations may be made to University Heights Baptist Church, Stillwater, OK Hands Abroad program. https://www.uheights.church/donate


Posted at 03:50pm
With heartfelt condolences. Keeping you all in our prayers. Jeff & Tonya Nicholson & family, Mark & Erika Earles & family. Gene & Lenis Steenhoek
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sharon McLafferty

Posted at 09:44am
Karen was such a sweet person. I loved listening to her play the piano in church. When she wasn't playing she would sit with me in church and she had such a beautiful soft voice.

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