Through the years we have tried to expand our services to correspond with the needs of our customers. To accomplish this, we opened a full service Mortgage Loan Department in the fall of 1990, and in 1995 we established a Trust Department. Since its inception, our Mortgage Loan Department has been one of the largest originators of single family mortgages in the area, and our Trust operation has grown to be the largest in North Texas, with over $675MM in assets under management. We also have a leasing subsidiary, known as American National Leasing Company, an investment center, a title company and a travel department. As our services have expanded, so have our facilities. The main bank at Midwestern Parkway and Maplewood has undergone several major add-ons since it was originally constructed in 1980. We also have a downtown branch at the corner of 8th and Scott, an 8000 square foot branch in Flower Mound, one of the fastest growing suburbs in Texas, as well as branches in Iowa Park and Archer City, both which are suburbs of Wichita Falls. If you are currently a customer of our Bank, we sincerely thank you for your patronage, and hope you will continue to allow us to serve your banking needs. For those of you who have not yet become our customer, we invite you to do so. Our mission is to be the best bank in this part of the state, and as the consolidation of the megabanks continues, we hope more of you will choose to do business with us. You have my personal assurance we will do everything in our power to make your banking experience with us a pleasant one.

Citibank

Citibank ATM