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					       A Satisfied Banking Client
                                                                   Ozona National Bank
OZONA NATIONAL BANK                      has been a fixture in Crockett County, Texas for nearly 100 years.
During that time, the Bank has seen its customers through floods and droughts, lean times and boom years.
Ozona National Bank stands by their customers with reliable, personal service. Strong, independent, and
progressive, Ozona National Bank offers most modern banking conveniences and investment opportunities
while remaining firmly rooted in an old-fashioned commitment to customers – to know them by name, not
just by number.

When Ozona National Bank began the search for a new CPA firm relationship more than 15 years ago, they
turned to Padgett, Stratemann & Co., L.L.P. Current President and CEO Dan Pullen comments, “Their
professionalism and expertise is what has kept us a client of theirs for so long…our audit is performed with
minimal disruption...and with lead auditors that are knowledgeable about our Bank and the banking

In 1990, the Bank had an opportunity to expand its operations into a new market by acquiring the Wimberley
Bank in the Texas Hill Country. The Bank called on Padgett, Stratemann & Co., L.L.P. to assist with the due
diligence and handle all of the accounting and tax issues involved with the acquisition. The result has been a
hugely successful branch operation for the Bank. Ozona National Bank has since added another full-service
branch in San Marcos and a loan production office in San Antonio.

ADDITIONAL VALUE              was found from Padgett’s routine IRS audit of the Bank’s tax returns. Dan
comments, “(Padgett) took care of the IRS audit of our Bank a few years ago by handling all of the
communications and questions. The result was no changes to our tax returns.”

PADGETT’S BANKING INDUSTRY TEAM                               not only is committed to understanding their
individual clients, but also staying active in the banking industry as a whole. In addition to the accounting
and tax services, Padgett, Stratemann & Co., L.L.P. strives to deliver a superior level of service to each bank
client. As active members of TBA and IBAT, Padgett, Stratemann & Co, L.L.P. uses that knowledge to
benefit their clients. Dan mentions that “(Padgett) keeps us informed about what is happening in the Texas
banking industry, and keeps us current on regulatory and accounting standards affecting our bank.”

PADGETT, STRATEMANN & CO., L.L.P.                        and Ozona National Bank have worked together to
build a great team. For more information on the value-added community banking CPA and business advisory
services of Padgett, Stratemann & Co., L.L.P., please contact Steve Griffith or Kathleen Fields, Partners, at
210-828-6281 or 800-879-4966.

                                                                 100 N.E. Loop 410, Suite 1100, San Antonio Texas, 78216

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