LOCAL SERVICE As an independent and locally owned bank, American National Bank is able to offer centralized and immediate responses to customer requests. We specialize in providing comprehensive financial services with the hometown touch that has made American National Bank the largest independent provider of trust services in North Texas. At American National Bank, we want our clients to feel comfortable and confident that we are always available "right around the corner" to meet the financial needs of you and your family. PERSONAL ATTENTION At American National Bank we are here to serve you. We want to establish a relationship with you that enables us to understand your financial situation and helps you to achieve your financial goals. All account relationships at American National Bank are managed by experienced account administrators who are committed to providing personal attention to you and your account. EXPERIENCE American National Bank has a dedicated professional staff that you can count on. Our account administrators have an extensive background in the areas of trusts, estates, and retirement planning. At American National Bank, we have the knowledge to assist you with even the most complicated financial planning issues. FLEXIBILITY American National Bank works with several investment, tax, and legal professionals to meet your financial planning needs. You have the flexibility of using your own trusted advisors or selecting from American National Bank Trust's qualified references. We then work directly with your team of professionals to ensure you benefit from the most comprehensive financial service available. PEACE OF MIND American National Bank Trust gives you the peace of mind that knowledgeable, attentive professionals are overseeing your investment portfolio and financial plan. In addition, you can have confidence in knowing that your account relationship will always be handled with complete confidentiality.

• Letter from Timothy G. Connolly, Sr. Vice President • History of American National Bank Trust • Why American National Bank Trust? • Frequently Asked Questions (FAQs)