American National Bank of Texas Certified To ERISA 3(16) Administrator Role

May 13, 2014

Dallas, TX, May 13, 2014 – The Centre for Fiduciary Excellence (CEFEX), announced today that it has certified the trust department of American National Bank of Texas (ANBTX), as adhering to a global standard of excellence for Investment Stewards. ANBTX is the first entity in the U.S. to be independently certified in the ERISA 3(16) Plan Administrator role.

The CEFEX standard of excellence for Investment Stewards is based on 21 fiduciary practices intended for persons who have the legal responsibility for overseeing someone else’s money, including trustees and investment committee members. The standard also applies to the role of the Employee Retirement Income Security Act (ERISA) Section 3(16) fiduciary who is responsible for managing the day to day operation of a retirement plan.

Certification demonstrates fiduciary skills, knowledge and investment awareness as well as a fundamental understanding of the law to effectively delegate and share responsibility with other fiduciaries. It also helps uncover investment and/or procedural risk, and establishes a framework for applying the skill, knowledge, diligence and good judgment of a professional organization in this role.

ANBTX has been certified for its provision of investment steward services and fiduciary services to defined contribution plan sponsors serving in a Named Fiduciary role as the ERISA 3(16) plan administrator and/or an ERISA 403 trustee with discretionary investment authority and responsibility for plan governance.

The fiduciary practices are based on the publication: Prudent Practices for Investment Stewards published by fi360, Inc. and edited by the American Institute of Certified Public Accountants (AICPA). The Practices are substantiated by legislation, case law and regulatory opinion letters from the Investment Advisors Act of 1940, Employee Retirement Income Security Act (ERISA), Uniform Prudent Investor Act (UPIA), Uniform Prudent Management of Institutional Funds Act (UPMIFA) and the Uniform Management of Public Employee Retirement Systems Act (UMPERSA) in the U.S.A summary of the fiduciary practices can be viewed by clicking on ANBTX’s on-line CEFEX certificate.

The annual certification process involves a detailed review of plan documents, policies and procedures followed by on-site interviews with key personnel. A full copy of the Standard is available at www.cefex.org. More information on ANBTX is available at: www.anbtx.com.

About CEFEX:

The Centre for Fiduciary Excellence, LLC. is an independent certification organization. CEFEX works closely with industry experts to provide comprehensive assessment programs to improve the fiduciary practices of investment stewards, advisors, record keepers, service providers and managers. CEFEX has offices in Toronto, Canada, and Pittsburgh, PA.

About ANBTX:

American National Bank of Texas, founded in 1875 in Terrell, is one of the oldest and largest independently owned banks in the state. With assets exceeding $2 billion, the bank has 30 locations throughout North Texas serving Collin, Dallas, Hunt, Johnson, Kaufman, Rockwall, Tarrant and Van Zandt counties. American National Bank of Texas provides personal and commercial banking services as well as insurance solutions through Sleeper Sewell Insurance Services Inc., and trust, investment and estate planning services through the Wealth Management Group. For five consecutive years, 2009-2014, ANBTX was ranked one of the Top 100 Places to Work by the Dallas Morning News. Visit American National Bank of Texas online at www.anbtx.com. Member FDIC.