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Conference art

14th Annual Changes and Trends Affecting

Special Needs Trusts

A Guide for Attorneys, Financial Advisors and Trust Officers
Austin Feb 15-16, 2018 DoubleTree by Hilton Hotel Austin
Conference Concluded
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Related products: eConference Materials
PRESENTED BY
The University of Texas School of Law
The Wealth Management and Trust Division of the Texas Bankers Association

EVENT SPONSORS
Bank of Texas
Cadence Bank, Trust & Wealth Services
Frost Wealth Advisors

SPONSORS
American National Bank of Texas
Happy State Bank & Trust Co.
TEAM Risk Management Strategies

EXHIBITORS
Adaptive Driving Access
Colvent Group
Cumberland Trust
Daymark Living
ElderCounsel
Jackson Private Wealth & Trust
Medivest Benefit Advisors
National Care Advisors, LLC
The Arc of Texas Master Pooled Trust
True Link Financial
Wells Fargo Bank
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Overview

The 14th Annual Changes and Trends Affecting Special Needs Trusts brings together nationally recognized professionals in the SNT field, features the latest updates and hot topics, and offers a great set of materials including sample forms, drafting tips, sample language and resources. This year’s program includes:
  • Special needs trusts basics including current trends and pitfalls with Craig C. Reaves, plus an overview and understanding of available public benefits programs.
  • A special presentation from the Social Security Administration’s Regional Trust Review Team with must-have insight on the review process; plus updates, advice, and practice tips for practitioners from Mary E. O’Byrne and Kenneth Brown.
  • Case law and legislative updates from Mary Alice Jackson.
  • The latest developments in the use of ABLE accounts; plus practical discussion on using (or not using) ABLE with Stephen W. Dale, Haley D. Greer, and Nancy Sosa.
  • Practical applications in the intersection of real estate and special needs trusts.
  • Current issues and trends from the Texas Health and Human Services Commission (HHSC) and the Centers for Medicare & Medicaid Services (CMS).
  • Discussion on a variety of other SNT essentials, including decanting and SNTs, understanding structured settlements, and more.
  • Up to 2.50 hours of ethics, plus opportunities to network with program faculty and attendees at the Thursday Evening Reception.
If you work with special needs trusts—or want to learn how to use, draft, fund, and administer them—don't miss this program!

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Event Schedule

Program is subject to change.
All times are Central Time Zone.

  • Day 1 February 15, 2018
  • Day 2 February 16, 2018
  • Time
    Credit
    Subject
    Speaker
  • Thursday Morning, Feb. 15, 2018
    Presiding Officer:
    Patricia F. Sitchler, The Law Office of Patricia Flora Sitchler - La Vernia, TX
  • 8:00 am
    Registration Opens
    Includes continental breakfast.

    Thank You to Our Breakfast Sponsor
    Bank of Texas

  • 8:50 am
    Welcoming Remarks

  • 9:00 am
    1.00 hr
    SNT Basics and Beyond – Top Trends and Pitfalls
    Special needs trusts have been part of our lives for many years and have been adapting to law changes and agency interpretations since the beginning. Review this evolution up to the current status of what works, and what doesn’t, when designing and drafting these trusts. 

    Craig C. Reaves, Reaves Law Firm, P.C. - Kansas City, MO

  • 10:00 am
    1.00 hr
    0.50 hr ethics
    Maximizing Public Benefits
    Clients and trust beneficiaries come to us to solve their current care needs and plan for the future. Often where a client or trust beneficiary lives determines what public benefits programs are available now and could be available later. Hear an overview of the continuum of care settings and what public benefit programs can help pay for care in each setting, as well as an update of recent changes to public benefits.
     

    H. Clyde Farrell, Farrell, Burdett & Johnson PLLC - Austin, TX
    Christina Lesher, The Law Office of Christina Lesher, PC - Houston, TX

  • 11:00 am
    Break

  • 11:15 am
    0.75 hr
    0.25 hr ethics
    Seven Timeless Principles of SNT Planning
    While laws, regulations, and rules impacting public benefits and trusts change frequently, certain planning principles do not change. Discuss steps in the SNT design process to address individual circumstances, including basic program types, budgets, grantor and beneficiary expectations, and distribution planning.
     

    Renée C. Lovelace, The Lovelace Law Firm, P.C. - Austin, TX

  • 12:00 pm
    Pick Up Lunch
    Included in registration.

  • Thursday Afternoon, Feb. 15, 2018
    Presiding Officer:
    Elisa Dillard Rainey, Rainey & Rainey, Attorneys at Law LP - Waco, TX
  • LUNCHEON PRESENTATION
  • 12:20 pm
    0.50 hr
    30 Apps in 30 Minutes
    A quick survey of useful apps and tech tips for lawyers, trust officers, and caregivers.

    Leah Cohen, arrangeCARE - Austin, TX
    Michael J. Curran, Michael Curran, PC - Austin, TX

  • 12:50 pm
    Break to visit vendors

  • 1:20 pm
    0.75 hr
    Case Law Update/Legislative Update
    Review significant cases from the past year, including trends represented in those cases and suggestions for attorneys working with special needs clients.

    Mary Alice Jackson, Mary Alice Jackson, P.C. - Austin, TX

  • 2:05 pm
    0.50 hr
    View from HHSC
    A discussion of current issues and trends from the Texas Health and Human Services Commission.

    Kymberly K. Oltrogge, TX Health & Human Services Commission - Austin, TX

  • 2:35 pm
    0.75 hr
    View from CMS
    A discussion with a representative of the Centers for Medicare & Medicaid Services of current issues related to the Medicare Secondary Payer provisions. What's new, what's not.

    Sally Stalcup, Centers for Medicare & Medicaid Services - Dallas, TX

  • 3:20 pm
    0.75 hr
    ABLE Act Update
    An update on the ABLE Act, with strategies about how to use this new tool to enhance your practice including case studies to illustrate how to use ABLE Accounts, as well as how to educate your clients and community.

    Stephen W. Dale, The Dale Law Firm, PC - Pacheco, CA

  • 4:05 pm
    Break

  • 4:15 pm
    0.75 hr
    Ways You Should and Shouldn’t Use ABLE
    The ABLE Act is a new tool that opens up new possibilities and challenges in providing quality of life for persons with disabilities. Examine the practical do’s and don’ts, from the viewpoint of a trustee of a special needs trust, that will assist planners in meeting their clients objectives. 
     

    Moderator:
    Stephen W. Dale, The Dale Law Firm, PC - Pacheco, CA
    Panelists:
    Haley D. Greer, The Arc of Texas - Austin, TX
    Nancy Sosa, Cadence Bank - Austin, TX

  • 5:00 pm
    0.50 hr
    0.25 hr ethics
    Decanting: A Solution for Defective or Problematic Trusts
    Recent legislative changes have made it easier to use the Texas decanting statutes to fix problems with defective or problematic trusts, but decanting is still far from being the solution for every trust dilemma. Learn how and when decanting can be used effectively and what risks or potential problems may arise in the process.

    Scott Stebler, Stebler & Sulak, PLLC - Austin, TX
    Co-Author:
    Sarah Sulak, Stebler & Sulak, PLLC - Austin, TX

  • 5:30 pm
    Adjourn to reception
    Thank You to Our Reception Sponsor
    Frost Wealth Advisors

  • Time
    Credit
    Subject
    Speaker
  • Friday Morning, Feb. 16, 2018
    Presiding Officer:
    Peyton Taylor, Texas Bankers Association - Austin, TX
  • 8:00 am
    Conference Room Opens
    Includes continental breakfast.

  • 8:30 am
    0.75 hr
    Making Sense of Structured Settlements
    Structured settlements are often used to fund court-created SNTs in the personal injury context. Drafting attorneys and trustees need an understanding of the fundamental concepts of a structured settlement annuity and the effects one will have on the funding and administration of a trust.  

    Elisa Dillard Rainey, Rainey & Rainey, Attorneys at Law LP - Waco, TX
    Co-Author:
    Carola Davis, Davis Settlement Partners - New Braunfels, TX

  • 9:15 am
    0.50 hr
    The Intersection of Real Estate and SNTs
    Real estate plays an important role in special needs trusts. Learn to deed property into and out of a trust, as well as other practical applications when real estate and special needs trusts intersect.

    Kristen Quinney Porter, Kristen Quinney Porter, LLC - New Braunfels, TX

  • 9:45 am
    0.50 hr
    0.25 hr ethics
    When Immigration Issues and SNTs Collide
    What options might trustees and attorneys have when their trust beneficiaries or their families face immigration issues? This panel discussion will cover views from a trustee, public benefits attorney, and an immigration attorney.

    Moderator:
    Bryn A. Poland, Law Office of Pi-Yi Mayo - Baytown, TX
    Panelist:
    Matthew Badders, Frost Wealth Advisors - San Antonio, TX
    Daniel Peter Berner, Berner Law - Austin, TX

  • 10:15 am
    Break

  • 10:30 am
    1.00 hr
    SSA Regional Trust Leads Presentation Regarding SSI Trusts
    A discussion with the Regional Trust Leads on the regional centralization of the SSI trust review business process, including key players and their roles. Plus, hear SNT drafting errors "Top 10 List" and the latest policy and procedures regarding SNT reviews, including a Q&A session.

    Moderator:
    Pi-Yi Mayo, Law Office of Pi-Yi Mayo - Baytown, TX
    Amanda Flood, U.S. Social Security Administration - Dallas, TX
    Dana Marquez, U.S. Social Security Administration - Dallas, TX

  • 11:30 am
    1.00 hr
    Working with SSA Part II: Updates to the SSA POMS regarding trusts, Practice Tips, Reporting and More
    Hear an overview of the new trust POMS, strategies for presenting trusts for review, and for responding to adverse agency decisions regarding trusts.

    Mary E. O'Byrne, O'Byrne Law, LLC - Lutherville, MD
    Kenneth Brown, Former Policy Team Lead, SSA (retired), Attorney at Law - Baltimore, MD

  • 12:30 pm
    Pick Up Lunch 
    Included in registration.

  • Friday Afternoon, Feb. 16, 2018
    Presiding Officer:
    Renée C. Lovelace, The Lovelace Law Firm, P.C. - Austin, TX
  • LUNCHEON PRESENTATION
  • 12:50 pm
    1.00 hr ethics
    Borrowed Trouble: Common Conflicts and Mistakes to Avoid in Your Estate Planning Practice
    Practical advice from a fiduciary litigator on avoiding conflicts and mistakes in your estate planning practice, with a focus on attorney-client privilege and work product privilege issues in special needs trust representations.

    Jason S. Scott, Osborne, Helman, Knebel & Scott, LLP - Austin, TX

  • 1:50 pm
    Break

  • 2:05 pm
    Vendor Announcements

  • 2:20 pm
    0.50 hr
    The Arc of Texas Master Pooled Trusts: Differences and Resources
    Dive into which of the four options from The Arc of Texas Master Pooled Trust is right for your client or your situation, which ones are recommended as well as the distinct characteristics and advantages of each trust. Learn more about the new Toolkit for beneficiaries and their representatives so that you can better educate your clients on the ins and outs of the Master Pooled Trust.  

    Haley D. Greer, The Arc of Texas - Austin, TX

  • 2:50 pm
    0.50 hr
    0.25 hr ethics
    Disabled Military Child Protection Act
    The recently enacted statute allows members of the military to name a special needs trust for their child as a beneficiary of their survivor benefit plan. Discuss the procedures required in order to name the trust as a beneficiary, as well as issues regarding the certification that the drafting attorney must sign before the designation is accepted.

    Tresi Weeks, The Weeks Law Firm, PLLC - Plano, TX

  • 3:20 pm
    Adjourn

  • Day 1 February 15, 2018
  • Day 2 February 16, 2018
Download Schedule

Conference Faculty

Matthew Badders

Frost Wealth Advisors
San Antonio, TX

Daniel Peter Berner

Berner Law
Austin, TX

Kenneth Brown

Former Policy Team Lead, SSA (retired), Attorney at Law
Baltimore, MD

Leah Cohen

arrangeCARE
Austin, TX

Michael J. Curran

Michael Curran, PC
Austin, TX

Stephen W. Dale

The Dale Law Firm, PC
Pacheco, CA

Carola Davis

Davis Settlement Partners
New Braunfels, TX

H. Clyde Farrell

Farrell, Burdett & Johnson PLLC
Austin, TX

Amanda Flood

U.S. Social Security Administration
Dallas, TX

Haley D. Greer

The Arc of Texas
Austin, TX

Mary Alice Jackson

Mary Alice Jackson, P.C.
Austin, TX

Christina Lesher

The Law Office of Christina Lesher, PC
Houston, TX

Renée C. Lovelace

The Lovelace Law Firm, P.C.
Austin, TX

Dana Marquez

U.S. Social Security Administration
Dallas, TX

Pi-Yi Mayo

Law Office of Pi-Yi Mayo
Baytown, TX

Mary E. O'Byrne

O'Byrne Law, LLC
Lutherville, MD

Kymberly K. Oltrogge

TX Health & Human Services Commission
Austin, TX

Bryn A. Poland

Law Office of Pi-Yi Mayo
Baytown, TX

Kristen Quinney Porter

Kristen Quinney Porter, LLC
New Braunfels, TX

Elisa Dillard Rainey

Rainey & Rainey, Attorneys at Law LP
Waco, TX

Craig C. Reaves

Reaves Law Firm, P.C.
Kansas City, MO

Jason S. Scott

Osborne, Helman, Knebel & Scott, LLP
Austin, TX

Nancy Sosa

Cadence Bank
Austin, TX

Sally Stalcup

Centers for Medicare & Medicaid Services
Dallas, TX

Scott Stebler

Stebler & Sulak, PLLC
Austin, TX

Sarah Sulak

Stebler & Sulak, PLLC
Austin, TX

Tresi Weeks

The Weeks Law Firm, PLLC
Plano, TX

Planning Committee

Renée C. Lovelace—Co-Chair

The Lovelace Law Firm, P.C.
Austin, TX

Patricia F. Sitchler—Co-Chair

The Law Office of Patricia Flora Sitchler
La Vernia, TX

Ashlee Bennett

Texas Bankers Association
Austin, TX

Leah Cohen

arrangeCARE
Austin, TX

Stephen W. Dale

The Dale Law Firm, PC
Pacheco, CA

H. Clyde Farrell

Farrell, Burdett & Johnson PLLC
Austin, TX

Terry Lynn Garrett

The Garrett Law Firm, PLLC
Austin, TX

Haley D. Greer

The Arc of Texas
Austin, TX

Mary Alice Jackson

Mary Alice Jackson, P.C.
Austin, TX

Joanna Jefferson

The University of Texas School of Law
Austin, TX

Christina Lesher

The Law Office of Christina Lesher, PC
Houston, TX

Pi-Yi Mayo

Law Office of Pi-Yi Mayo
Baytown, TX

Bryn A. Poland

Law Office of Pi-Yi Mayo
Baytown, TX

Kristen Quinney Porter

Kristen Quinney Porter, LLC
New Braunfels, TX

Elisa Dillard Rainey

Rainey & Rainey, Attorneys at Law LP
Waco, TX

Nancy Sosa

Cadence Bank
Austin, TX

Peyton Taylor

Texas Bankers Association
Austin, TX

Tresi Weeks

The Weeks Law Firm, PLLC
Plano, TX

Credit Info

  • Austin
MCLE Credit
Toggle view Texas – 13.00 hrs  |  2.50 hrs Ethics
Legal Specialization(s): Estate Planning and Probate Law, Tax Law
You may claim your credit online in Your Briefcase, and UT Law CLE will report credit on your behalf to the State Bar of Texas. A Certificate of Attendance will be provided in Your Briefcase for your records. The system reports Texas CLE credit every Tuesday. If you are claiming credit in the last week of your birth month, self-report your CLE credit directly to the State Bar of Texas at texasbar.com, using the course number  provided on your certificate of attendance.
Toggle view California – 13.00 hrs  |  2.50 hrs Ethics
You must claim your credit online in Your Briefcase, and will then be provided a Certificate of Attendance for your records. UT Law CLE is required to provide the State Bar with electronic attendance records for any MCLE participatory activity within 60 days of completion of the activity. The California licensee is responsible for reporting their compliance/credit hours earned to the State Bar at the end of their reporting period directly to the State Bar of California at calbar.ca.gov.  UT Law CLE will maintain Attendance Records for four years.  
Toggle view Oklahoma – 15.50 hrs  |  3.00 hrs Ethics
You must claim and certify your credit online in Your Briefcase, then you will then be provided a Certificate of Attendance for your records. UT Law CLE will report credit on your behalf to the Oklahoma Bar Association within 30 days after the conference.
Other Credit
Toggle view Certified Financial Planner (CFP) – 13.00 hrs
This course has been approved for Certified Financial Planner (CFP) credit. UT Law CLE will report your credit for you, but we do require that you claim the credit in your Briefcase and ensure your CFP number is add in your account. Contact us at accreditation@utcle.org if you have additional questions.

You can learn more at: http://www.cfp.net/
Toggle view ICB Certified Trust and Financial Advisor (CTFA) – 13.75 hrs
This conference has been approved by the American Bankers Association (ABA) for continuing education credits. Credit approvals are based on the relevance of the program to the ICB's certification exam outline. One credit is awarded for every 50 minutes of relevant instruction. You will receive a downloadable Certificate of Completion for your records. Self-report these credits at https://www.aba.com/training-events/certifications/certified-trust-and-fiduciary-advisor/maintain-ctfa. 
 
 Attendee Instructions for Submitting ABA CE Credit
» Attendees must self-submit credit by logging into their Certification Dashboard  
» Hover over ‘ADD CE CREDIT’ and select ‘APPROVED NON-ABA CE’
» Enter key word(s) from program title or sponsor name(The University of Texas School of Law) and select your program from the search results
» Click ‘Request’ and when page refreshes click ‘Mark Complete’ to finalize submission
Toggle view National Accounting CPE – 15.50 hrs
The University of Texas School of Law is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Delivery Method: Group-Live (UT Law CLE is a provider of NASBA Group-Live credit only, which excludes online offerings. 

To comply with NASBA Standards, attendees claiming CPE credit must sign in to verify attendance for each segment. Attendance sign-in sheets will be available at the registration desk. You will need your CPA license number to sign in. A CPE Certificate of Completion will be provided at the conclusion of the conference.

Reporting: CPAs are responsible for reporting CPE credits earned to their state's accountancy board, and must retain appropriate documentation of their participation in learning activities. Visit your state’s reporting website for more information or www.nasba.org.
Toggle view TX Accounting CPE – 15.50 hrs
The University of Texas School of Law (Provider #250) live conferences are presumptively approved by The Texas State Board of Public Accountancy for Texas Accounting CPE credit based on a 50-minute credit hour. Approved for general CPE credit only.

At the conference, you are welcome to sign in on the Accounting CPE Record of Attendance form at the registration desk, but we are now reporting all credit online. You will receive a Texas Accounting Certificate of Completion in Your Briefcase. Self-report your CPE credit directly to TSBPA. UT Law CLE will maintain Attendance Records for four years.  

Contact us at accreditation@utcle.org if you have additional questions.

Key Dates

Austin – Feb 15-16, 2018 – DoubleTree by Hilton Hotel Austin
Conference Concluded
Buy
  • Austin
Individual
Last day for $495.00 Regular pricing: Feb 7, 2018

$545.00 for registrations received after this time

Group (5 registrants minimum)
Last day for $450.00 Regular pricing: Feb 7, 2018

$500.00 for registrations received after this time

Group (10 registrants minimum)
Last day for $400.00 Regular pricing: Feb 7, 2018

$450.00 for registrations received after this time

Last day for cancellation (full refund): Feb 9, 2018

$50 processing fee applied after this date

Last day for cancellation: Feb 12, 2018

Venue

speaker

DoubleTree by Hilton Hotel Austin

6505 N. Interstate 35
Austin, TX 78752-4346
512-454-3737
512-454-3737 (reservations)
Map

Accommodations

$159 room rate good through January 15, 2018 (subject to availability). 

Book your room online here or call the reservations department at 1-800-347-0330 and reference the group code "Special Needs Trusts Conference". The online link and group code will be active until the room block is full or the cutoff date of 01/15/2018, whichever comes first. 

Parking Information

Daily or Overnight Self-parking: $8 
Valet Parking: $18

Our Sponsors

Thank you to our sponsors! Click each logo below to learn more.

  • Frost Wealth Advisors logo
    Frost Wealth Advisors
    Frost has a team of professionals who work together towards a common goal: to help you achieve financial security. Today the Frost Wealth Advisors are responsible for more than $36 billion in assets of individuals, families, businesses and non-profit institutions. You can count on us for investment management, trust administration, estate and financial planning, real estate, oil and gas management, retirement plan management, tax planning and wealth management. Frost has built a legacy of involvement with the communities it serves, especially with the organizations that provide for the betterment of the community. In fact, we have a dedicated group of specialists in our Public Finance Division who understand the specialized financing, treasury, investment and insurance needs of Texas governmental and non-profit institutions including educational, religious and healthcare organizations.
    frostbank.com
  • Cadence Bank, Trust & Wealth Services logo
    Cadence Bank, Trust & Wealth Services
    Cadence Bank’s Trust Services Division, formerly Encore Trust, has been serving the trust and wealth management needs of clients in Texas for more than 50 years, and today manages approximately $1.5 billion in assets. Whether building, managing or transitioning your assets, our talented trust professionals can help you at every stage. Averaging 20 years’ experience each, our administrative team can advise you on investment services, estate and trust development and administration, and fiduciary services, both knowledgeably and efficiently. Personal service is the hallmark of every relationship we develop, and we remain steadfast on helping you achieve your financial goals. Cadence Trust has two locations in Houston, as well as full-service offices in Austin and Dallas.
    cadencebank.com
  • American National Bank of Texas logo
    American National Bank of Texas
    At American National Bank of Texas, our values have served us well since 1875. Doing the right thing for our customers and employees is at the core of everything we do. In 1926 we expanded to include Trust Services, to meet the changing needs of our clients. Our Trust Department is filled with seasoned financial professionals who seek to build lifelong partnerships with our clients and their families. The only way to get to know a Trust Department is to spend time with its people – and our customers enjoy the personal relationships and attention we provide. Our approach to trust administration is especially well suited to Special Needs Trust beneficiaries and their families. We are dedicated to providing the additional time and expertise necessary to fully understand and meet the needs of our beneficiaries throughout their lifetimes. We serve throughout the state of Texas, and look forward to working with you! 
    anbtx.com
  • Happy State Bank and Trust Co. logo
    Happy State Bank and Trust Co.
    Happy State Bank was charted in 1908 in Happy, Texas. In 1990, the then $10 million bank headquartered in Happy, Texas, was acquired by a group of Panhandle area investors and now is the 27th largest bank in Texas with over $2.8 Billion in total assets and 34 locations in 25 markets. The Happy Trust Company was added in 2002 and currently manages over 300 million dollars in assets. Happy’s trust team has over 300 years of combined experience providing expertise in farm and ranch management, securities portfolio services and mineral interest oversight. Consistent with Happy State Bank’s mission, the trust company thrives on building personal relationships with our clients while providing the highest level of fiduciary service.
    happybank.com
  • TEAM Risk Management Strategies logo
    TEAM Risk Management Strategies
    TEAM Risk Management Strategies (www.team-risk.com) is a leading provider of outsourced household employment services, offering nationwide employer of record services to fiduciaries who manage trusts, estates, and guardianships which directly employ caregivers or other household service providers. TEAM provides a seamless solution to address both the hassles of employee administration as well as the considerable risk of employment-related liability. In addition to handling payroll processing, TEAM manages all recordkeeping and tax reporting, and provides full-service access to human resources and compliance experts. To ensure that fiduciaries and trust assets are fully protected, TEAM provides comprehensive workplace insurance and liability coverage, as well as compliance with ever-changing employment law. TEAM has served hundreds of the nation’s most prominent banks and financial institutions over the last 15 years and employs thousands of people in all 50 states.
     
    team-risk.com
  • Bank of Texas logo
    Bank of Texas
    Whether you are setting up a trust, safekeeping account, private foundation, or arranging for estate management services, Bank of Texas offers the full range of fiduciary products in which we serve as the fiduciary or the agent for the fiduciary. Backed by the strength and stability of BOK Financial, a $33 billion regional financial services company that has been in the trust business since 1918, Bank of Texas provides high touch, personalized fiduciary services through an experienced and credentialed team of local experts. Not only do we serve as neutral third party personal representative for estates, we also administer all types of trusts including revocable, irrevocable, charitable, court created or special needs, with the goal of maximizing tax savings, avoiding probate where possible, and protecting your financial future.
    bankoftexas.com
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