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CRA Statement

You are entitled to certain information about our operations and our performance under the Community Reinvestment Act (CRA). You may review today the public section of our most recent CRA evaluation, prepared by the Federal Deposit Insurance Corporation, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us: (1) a map showing the assessment area containing this branch, which is the area in which the Board evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan. (If you would like to review more information about our CRA performance in other communities served by us, the public file for our entire bank is available at our main office, located at 1901 W. Lake Shore Drive, Waco, Texas 76708.)

At least 30 days before the beginning of each quarter, the Federal Reserve System publishes a list of the banks that are scheduled for CRA examination by the Federal Reserve in that quarter. This list is available from Emily C. Greenwald, Senior Vice President, Banking Supervision, Credit Risk and Reserves Management, Federal Reserve Bank of Dallas, 2200 N. Pearl St., Dallas, Texas 75201.

You may send written comments about our performance in helping to meet community credit needs to Bianca Crook, Fidelity Bank of Texas, P.O. Box 5540, Waco, Texas 76708, and to Emily C. Greenwald, Senior Vice President, Banking Supervision, Credit Risk and Reserves Management, Federal Reserve Bank of Dallas, at the address above. Your letter, together with any response by us, will be considered by the Federal Reserve System in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Federal Reserve Bank of Dallas. You may also request from Emily C. Greenwald, Senior Vice President, Banking Supervision, Credit Risk and Reserves Management, Federal Reserve Bank of Dallas an announcement of our applications covered by the CRA filed with the Federal Reserve Bank. We are an affiliate of Fidelity Bancshares, Inc., a bank holding company. You may request from Emily C. Greenwald, Senior Vice President, Banking Supervision, Credit Risk and Reserves Management, Federal Reserve Bank of Dallas, 2200 N. Pearl St., Dallas, Texas 75201, an announcement of applications covered by the CRA filed by bank holding companies.