Important message from Guy Bodine

Chairman and CEO

Dear Customer:

I am thrilled to share some exciting news with you today! Vantage Bank Texas has filed an application with the bank regulatory agencies to merge with Inter National Bank. The application process is the first step towards creating a new community bank which will serve South and Central Texas and international customers with expanded products, services and capabilities. While I do not yet have a definitive timeline for the merger, I promise to share information with you as it becomes available.

As always, my teammates and I appreciate your business! If you have questions, please do not hesitate to reach out to your banker for more information.

Sincerely,