Bank Act are subject to regulation and examination by the Office of the Comptroller of the Currency, or OCC. The
OCC supervises, regulates and regularly examines the First National Bank of Abilene, First National Bank,
Sweetwater, First Financial Bank, National Association, Cleburne, Eastland National Bank, San Angelo National
Bank, Weatherford National Bank, First Financial Bank, National Association, Southlake and City National Bank,
Mineral Wells. The OCC’s supervision and regulation of banks is primarily intended to protect the interests of
depositors. The National Bank Act:
• requires each national banking association to maintain reserves against deposits,
• restricts the nature and amount of loans that may be made and the interest that may be charged, and
• restricts investments and other activities.