Austin Bank Welcomes New Vice President/Lending Officer Clayton Ready

July, 2005

Clayton Ready has joined Austin Bank as Vice President, Lending Officer in the Marshall office. Ready comes from
Citizens National Bank where he served as Manager of the Tatum office and Lending Officer in both the Tatum and Jefferson offices. He has over six years of banking experience in management, commercial and real estate lending.

Ready is a graduate of Marshall High School class of 1990, and Stephen F. Austin University with a Bachelor¹s Degree in Business Administration. He is currently attending the Graduate School of Banking at Louisiana State University.

Ready is a life-long resident of Marshall where he is active in civic and community affairs. He and his wife, Stephane, have one daughter, Marla. The Ready family attends Summit United Methodist Church of Marshall.

Ready will office in the Austin Bank Marshall location specializing in commercial and real estate lending. We invite you to come by and visit with Clayton. He will be happy to help you with your loan and deposit needs.

Austin Bank is a community bank with headquarters in Jacksonville, Texas has in excess of $713 million in assets with twenty-one offices in nine counties throughout East Texas.

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