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Federal Reserve Bank of Dallas 2200 N. PEARL ST. DALLAS, TX 75201-2272 October 20, 2005 Notice 05-65 TO: The Chief Executive Officer of each financial institution and others concerned in the Eleventh Federal Reserve District SUBJECT Results of Election Federal Reserve Bank of Dallas Board of Directors DETAILS The election of directors to succeed Richard W. Evans, Jr., Class A Director, and Malcolm Gillis, Class B Director, whose terms expire December 31, 2005, has been duly held in accordance with the requirements of Section 4 of the Federal Reserve Act and the provisions of Notice No. 05-41 issued by this office under date of August 16, 2005. The results of the election are as follows: Richard W. Evans, Jr., Chairman and Chief Executive Officer, Cullen/Frost Bankers, Inc., San Antonio, Texas, was elected by banks in Group 1 as a Class A Director. James B. Bexley, Associate Professor of Finance, Sam Houston State University, Huntsville, Texas, was elected by banks in Group 2 as a Class B Director. Each director was elected for a term of three years to begin January 1, 2006. For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal Reserve Bank of Dallas: Dallas Office (800) 333-4460; El Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012; Houston Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810. -2Previous Federal Reserve Bank notices are available on our web site at www.dallasfed.org/ banking/notices/index.html or by contacting the Public Affairs Department at (214) 922-5254. Sincerely yours, Ray L. Hunt Chairman of the Board