text: *Pending and Proposed Legislation*
  
  New regulations and statutes are regularly proposed containing wide-ranging proposals for altering the 
  structures, regulations and competitive relationships of financial institutions operating in the United States. We 
  cannot predict whether or in what form any proposed regulation or statute will be adopted or the extent to which our 
  business may be affected by any new regulation or statute. 
  
  *Enforcement Powers of Federal Banking Agencies*
  
  The Federal Reserve and other state and federal banking agencies and regulators have broad enforcement 
  powers, including the power to terminate deposit insurance, issue cease-and-desist orders, impose substantial fees 
  and other civil and criminal penalties and appoint a conservator or receiver. Our failure to comply with applicable 
  laws, regulations and other regulatory pronouncements could subject us, as well as our officers and directors, to 
  administrative sanctions and potentially substantial civil penalties. 
  
  *Available Information*
  
  We file annual, quarterly and special reports, proxy statements and other information with the Securities and 
  Exchange Commission. You may read and copy any document we file at the Securities and Exchange 
  Commission’s Public Reference Room at 450 Fifth Street, N.W., Washington, D.C. 20549. Please call the 
  Securities and Exchange Commission at 1-800-SEC-0330 for further information on the public reference room. Our 
  SEC filings are also available to the public at the Securities and Exchange Commission’s web site at 
  http://www.sec.gov. No information from this web page is incorporated by reference herein. Our web site is 
  http://www.ffin.com. You may also obtain copies of our annual, quarterly and special reports, proxy statements and 
  certain other information filed with the SEC, as well as amendments thereto, free of charge from our web site. 
  These documents are posted to our web site as soon as reasonably practicable after we have filed them with the SEC. 