Jeffrey S. Schultz, CFA Vice President - Trust Investment Officer · Chartered Financial Analyst, 1992 · B.B.A., Texas Christian University, 1984 Professional Background Mr. Schultz is responsible for developing investment strategies, implementing equity and fixed income investment programs and monitoring overall investment performance for the Trust Department. Mr. Schultz began his banking career in 1983 with Texas American Bancshares where he held various accounting and management analyst positions. In 1987 he joined the Federal Home Loan Bank of Dallas, which later became the Office of Thrift Supervision (OTS). When he left OTS he was directing and overseeing capital market examinations for federally insured savings and loans. In 1991 Mr. Schultz went to work for the law firm of Finkelstein, Thompson and Loughran in Washington, DC as a financial analyst. While there he assisted with the investigation and litigation of financial institutions' transactions, frauds and other financial misdeeds. In 1993 Mr. Schultz joined Sentry Management, Inc. where he helped financial institutions analyze interest rate risk exposures and implement investment programs. Prior to joining American National Bank Mr. Schultz was with Herbert R. Smith, Incorporated, where he served as a portfolio manager and was responsible for developing investment strategies, analyzing interest rate risk positions, managing investment portfolios, and was a member of the investment committee. Outside Interests Jeff is a member of the Association for Investment Management and Research and the Washington Society of Financial Analysts. He serves as a Board Member of Child Care, Inc. and on the Habitat for Humanity WF Board of Directors as Treasurer. In addition, he is the non-member Trustee of the First Christian Church Endowment. Mr. Schultz has served as the Chairman of the Finance Committee and on the Administrative Board for University United Methodist Church. He is also a graduate of Leadership Wichita Falls and is an active member of Resource Wichita Falls.

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