International Bancshares Corp.

With more than 35 years of community service to Brownsville’s progress and development, Fred Rusteberg’s credentials as IBC Brownsville’s founding President/CEO is best symbolized by his role as Founding Chairman of “Brownsville First”, a grassroots effort that convinced Brownsville voters to approve a half cent sales tax for economic development and bond issue for quality of life projects which the community enjoys today. Having worked several years as a Senior Lender at another financial institution, in 1984, Rusteberg started the first IBC bank in Cameron County (the 4th IBC Bank in International Bancshares Corporation). Twenty four years later, IBC-Brownsville is considered one of the region’s premier banks in convenience and location, with assets of more than $800 million and 15 bank facilities in Cameron County, including Brownsville, Harlingen, South Padre Island and Port Isabel, as well as 7-day full service branches in Wal-Mart Superstores, Sunrise Mall and HEB. Before his banking career, Rusteberg served his country as a U.S. Army officer and helicopter pilot in the Republic of Korea. Upon his return to Brownsville, he worked for the area’s future as Assistant Port Director for the Port of Brownsville and as Project Director for the Brownsville /Matamoros Railroad Relocation Project. In these roles he helped develop legislation leading to a $50-million railroad project, resulting in the relocation of rail transportation from the center of Brownsville and elimination of over 70 rail-hwy crossings for improvement to rail-hwy safety. As past Chairman and one of the founders of the Brownsville Economic Development Foundation, Rusteberg participated in establishing the Brownsville Economic Development Council, of which he is also past Chairman. Moreover, on behalf of IBC and the region’s economic development effort, he has traveled extensively from Washington D.C. to the Far East and regularly to all parts of the Republic of Mexico. Rusteberg has been recognized for his many contributions to his community by numerous groups including: Outstanding Citizen of the Year by Sen. Eddie Lucio, Jr., the Brownsville Historic Museum, and the Boy Scouts of America- Regional Leadership Award. Rusteberg currently serves on the UTB Development Board (13yrs, with 3 as Chairman, the Brownsville Community Foundation Board, the Brownsville Rio Grande Rail Road Board, Valley Baptist Medical Center Foundation Board, Preparatoria del Tech en Matamoros Board, and is a Tri-Chair for “Imagine Brownsville”, the City of Brownsville’s comprehensive 10 year plan. Some of his past civic engagement includes: Paul Harris Fellow-Brownsville Rotary Club, Brownsville Independent School District Strategic Planning Team, Chairman of the 1997 and 2006 successful efforts for BISD’s $100 million bond issue and $134 million bond issue for school improvements, Chairman of a 2005 successful effort for UTB’s $65 million bond issue for new construction, Tri-Chair for Vision 2000,and past Chairman of United Way. Having served as Chairman of the University of Texas-Brownsville Development Board and as member of the Chancellor’s Advisory Council at UT-Austin, Rusteberg has been active in the development of science, engineering, technology programs, business and education programs and other curriculums promoting higher quality education for all citizens in the South Texas Region. He and his family established the first scholarship endowment at UTB over 12 years ago. Fred Rusteberg was born in Brownsville and is bilingual and biliterate in Spanish. He is a graduate of Texas A&M University, where he earned a BBA in Finance and completed graduate studies at Texas Tech University. Rusteberg is married to Frances Rusteberg, a CPA,, and they have two children, a son-in-law and two grandchildren. His family has been in the Brownsville area for over 100 years and has been actively involved in helping the international region to successfully develop.

Through his devotion to philanthropic activities and his dedicated work and well-rounded expertise in the banking business – namely commercial lending – Harold Shockley Jr. has made a positive contribution to the Coastal Bend community. Shockley, a Corpus Christi native and long-time resident, has most recently served as bank president for IBC Bank – Corpus Christi and was named CEO in August 2008. He began his banking career in 1981 serving as a credit analyst in the commercial credit department of Corpus Christi National Bank, and in 1984 embarked on his lending career at The Bank of Corpus Christi. When IBC purchased The Bank of Corpus Christi in 1995, Shockley remained with the bank as the executive vice president. Shockley’s knowledge and expertise contribute to the overall growth and success of the market’s nine area branches, which include locations in Sinton, Rockport, Portland and Aransas Pass. In keeping with the IBC philosophy of “We Do More,” Shockley also dedicates his time and efforts to numerous community organizations in the Coastal Bend. He has served as a member and past president of the Sunrise Rotary Club, board member of the March of Dimes, board member of the Miracle League of Corpus Christi and a member of the fundraising committees for the Driscoll Foundation, American Cancer Society and the YWCA. Shockley received his Bachelor of Business Administration in finance from the University of Texas at Austin and is a graduate of The Banking School of the South at Louisiana State University.

In 2001, International Bank of Commerce (IBC Bank), the undisputed leader in border banking, launched its first expansion into a border city northwest of Laredo. For its entry into Eagle Pass, IBC sought a leader with an understanding of the needs, aspirations and potential of the region’s people and businesses. With his proven expertise in banking, finance, real estate development, and business venture management as well as his vast knowledge of the region, Héctor J.Cerna was the clear choice for president and CEO of IBC Bank-Eagle Pass. Over the years, IBC’s Eagle Pass market has prospered, and the region now includes banking centers throughout Eagle Pass, Del Rio and Uvalde. Cerna has been an executive in the South Texas banking industry for more than 20 years and has directed business development and real estate lending services at several institutions. His professional experience, however, extends beyond banking. He has also helped organize real estate developments, provided underwriting and shared expertise concerning business venture management. The Eagle Pass native is devoted to the community and maintains extensive involvement with local professional and non-profit organizations. He currently serves as chairman of the Eagle Pass Hotel–Motel Room Tax Committee, a director of the Maverick County Development Corporation board and as a charter member of the Leadership Eagle Pass Steering Committee. He also has served on the school council of Our Lady of the Refuge School and currently works with the Finance Council for the Laredo Catholic Diocese. Additionally , Cerna is past president of the Eagle Pass Rotary Club, former councilman of Our Lady of Refuge School and is a previous trustee of the Piedras Negras, Mexico chapter of Adopte Una Obra De Arte. Cerna earned a Bachelor of Business Administration degree from the University of Texas at Austin.

Commerce Bank President and CEO Ignacio Urrabazo, Jr. has used his steady regional banking success to become one of America’s leading authorities on minority and small business banking. Since taking the reins of Commerce Bank in 1983, Urrabazo has capitalized on his knowledge of national monetary and regulatory policies, small business development and the complex economic climate of the U.S.-Mexico border region to produce solid financial gains. The bank’s assets have increased form $10 million to more than $500 million. This growth has consistently placed Commerce Bank within the top 10 percent of high-performing banks in Texas and garnered industry recognition. The bank has received the prestigious Gibraltar award three times for showing best Return on Assets, based on a five year average, and was named a one of the best community banks in the U.S. in 1996 by American Banker magazine. Commerce Bank is a member of International Bancshares Corporation, a $10.3 billion multi-bank holding company and the largest minority-owned financial institution in the nation. Urrabazo’s banking record in Texas has helped elevate him to a position of influence in the U.S. banking industry, as the former Chairman of the Board of the National Bankers Association in Washington, D.C. This 85-year-old organization represents a group of minority and women-owned banks. As chairman, Urrabazo is called upon to give feedback to FDIC leadership on the needs of small and minority-owned banks, work with members of Congress on banking legislation and address issues of national concern with officials of the Small Business Administration and the U.S. Department of Energy. Urrabazo also provides input on various initiatives and activities of other banking organizations, such as the Government Relations Committee of the American Bankers Association, and has held various positions including member of the Executive Committee of the Texas Bankers Association. Urrabazo’s latest banking commitment is a non-profit foundation he helped establish and organize, along with the members of the National Bankers Association and the American Bankers Association. The Minbanc Foundation is a $3 million organization, which will provide scholarships for the professional education and training of minority bank employees and officers. Urrabazo was elected Chairman of the Foundation’s eight-member board of directors. In addition to working on behalf of the Foundation, Urrabazo will continue to lead efforts by the National Bankers Association to bring employment opportunities, entrepreneurial capital and economic revitalization to areas of the country that often have little or no access to financial resources and services. Urrabazo’s professional achievements have led to numerous awards and honors, including the 1986 Hispanic Banker of the Year award from the Hispanic California Bankers Association and the 1999 Gold Nugget award from the College of Business Administration at his alma mater, the University of Texas at El Paso. This award is given each year to a single graduate whose accomplishments away from school have brought prestige to UTEP. In 2000 he was inducted into the Laredo Business Hall of Fame. Volunteer service also takes up a large part of Urrabazo’s time. He has served on the advisory board of the Texas Department of Banking. He also serves or has served as Chairman of the Laredo Chamber of Commerce and chairman of the Small Business Development Foundation, Boy Scouts of America, Texas Council on Economic Education and the United Way. In 1998, Urrabazo wrote an article assessing the economic significance of maquiladoras, which was published in the Future of Texas. Because of his familiarity with Texas and border economic issues, he testified before Congress in 1995 on the impact of NAFTA on job creation. Urrabazo served in the U.S. Marine Corps and earned a Bachelor of Business Administration degree in Finance and Economics at the University of Texas at El Paso and an MBA from the University of Texas at San Antonio. He also has an advanced banking degree from Southern Methodist Univeristy’s Southwestern Graduate School of Banking.

Jay Rogers comes to International Bancshares Corporation with an extensive background comprising over 30 years experience in the area of commercial lending. As President of IBC-Houston, Rogers oversees and directs the activities of the Houston region. He most recently served as Executive Vice President of Compass Bank-Houston where he managed over $250 million in assets, exceeding their established corporate goals for net income, expense reduction, overhead control, and fee income. In directing this effort, Rogers assembled and organized a top staff of over 25 individuals, managing all business development, marketing procedures, credit structuring, budgeting, and capital expenditures. Prior to joining IBC, Rogers served in several upper level management positions with some of the Southwest’s most competitive fi nancial institutions. At Chase Bank-Houston, Rogers was Vice President and Division manager with responsibility for a total loan portfolio in excess of $300 million. His area of expertise comprises many facets of start-up development and subsequent supervision of all related functions. In keeping with the IBC philosophy of “We Do More,” Rogers maintains active involvement in several community service organizations. Currently, he serves on the Houston In-Town Chamber of Commerce Board of Directors, the Center for Hearing and Speech Foundation Board, and the American Heart Association Board of Directors. Rogers was named to the Texas Business Hall of Fame Foundation Board of Directors in 2005. He is a former member of the Covenant House Board of Directors, and the Center for Hearing and Speech Board of Directors. Rogers received his Undergraduate degree from Baylor University and completed graduate courses at Baylor, Rutgers University, and the University of Houston. He is married and has two children.

R. David Guerra is an established leader at the forefront of the banking industry who currently serves as president and CEO of International Bank of Commerce (IBC)–McAllen, where he oversees numerous branches in McAllen, Mission, Hidalgo, Edinburg, Pharr, San Juan, Alamo and Weslaco, Texas. Guerra also serves as a director of International Bank of Commerce–Laredo and IBC’s multi-bank financial holding company, International Bancshares Corporation (NASDAQ: IBOC), the largest banking institution headquartered on the United States and Mexican border. R. David Guerra has provided invaluable counsel and business insight that has played a critical role in IBC’s unprecedented and continued growth throughout the past two decades. Through the leadership and vision of Chairman Dennis Nixon and Guerra’s advocacy of and involvement in IBC’s merger and acquisition efforts, International Bancshares Corporation has grown into a $10.6 billion bank holding company with over 200 locations serving over 90 communities throughout Texas and Oklahoma. In 1981, Guerra joined IBC as a senior vice president, assisting in the supervision of the commercial, consumer and real estate lending departments. Prior to accepting his current position as president and CEO of IBC–McAllen, Guerra served as executive vice president and director of IBC–Laredo. Guerra’s previous work experience also includes tenure as a distinguished National Bank Examiner for the U. S. Treasury Department’s Comptroller of the Currency. Guerra’s commitment to volunteerism and philanthropy is spirited by his passion for increasing access to educational opportunities and financial resources for South Texas students seeking higher education. His commitment to improving the quality of life for all South Texans has spearheaded his active involvement in other community-focused initiatives as well. Guerra serves as chairman of the South Texas Higher Education Authority, chairman of the UT Pan American Foundation Board, vice chairman of the McAllen Medical Hospital, director of the local chapter of Teach for America, director of the McAllen Hidalgo International Toll Bridge, and is an advocate for the South Texas Symphony Association and Boy Scouts of America. Guerra also works closely with VAMOS (Valley Alliance of Mentors for Opportunities and Scholarships) and is a strong advocate of the Children’s Defense Fund. In 2005 the McAllen Chamber of Commerce recognized Mr. Guerra as McAllen’s Man of the Year. In 2004, The State of Israel honored Guerra by presenting him with The State of Israel Declaration of Independence Award in recognition of his exemplary leadership and community service. In 2000, Guerra was recognized by the Rio Grande Council of the Boys Scouts of America as the Distinguished Citizen of the Year. In 1998 he was awarded the Distinguished Citizen Award by the University of Texas–Pan American and received the Cultural Leader of Year Award from the South Texas Symphony Association. Previous directorships include the Laredo Chamber of Commerce, the Boys Scouts of America-Gulf Coast Council, the McAllen Economic Development Corporation, the Museum of South Texas History and the Laredo Development Foundation, where he also served as president. Guerra is an honors graduate from Texas A & I University, now Texas A & M University-Kingsville, Texas. He also completed advanced studies by attending the Stonier Graduate School of Banking at Rutgers University in New Jersey. He is married to Edna Guerra an honors graduate of the University of Texas Pharmacy School and a former school teacher. They have two children, Omar David, a graduate of the University of Texas at Austin and Sara Elena, a graduate of Trinity University in San Antonio,

Whether the category is agribusiness or industrial development, the defining word for a number of cities along the U.S./Mexico border is “growth.” As President of the fastest growing bank in South Texas, IBC–Zapata, Renato Ramirez has been a partner and supporter of commercial growth in his service to IBC customers since arriving in Zapata in 1983. His leadership in a variety of civic organizations and projects has also established Ramirez as an important participant in the progress of the Zapata and Starr communities in general. Prior to joining IBC–Zapata at its founding more than 20 years ago, Renato Ramirez applied his expertise in International Finance in Laredo where he managed foreign loans to Mexico under the Export/Import Bank program. His thorough knowledge of all areas of banking is enhanced by over 10 years of teaching finance at Laredo State University and Louisiana State University where he also served as associate dean of LSU’s Escuela Bancaria Superior de Centro-America. During those years, he was also a consultant to the Tennessee Valley Authority on the impact of banking practices on regional economic development. His personal impact on regional development beyond his banking leadership includes a very generous philanthropic heart. He has constructed a golf course for the community, made significant donations to an orphanage in Ciudad Mier, Mexico, Mary Help of Christian School in Laredo, Harmony Academy of Science in Laredo and to Sacred Heart Orphanage in Laredo. He also established scholarship programs at Laredo Community College and at Texas A & M International University, contributed to the Tejano Capitol Monument, contributed to the National Hispanic Institute, and made significant donations to the Zapata Boys and Girls Club. His high school recently inducted him into the Martin High School Tiger Legends and Laredo Community College has awarded him a Meritorious Service Award. He has served on various state boards. Bilingual and bicultural, Renato Ramirez is also one of those rare Texans who know how to “gig’em” and “hook’em” having earned his B.S. degree from Texas A&M University and his M.B.A. from the University of Texas. In addition, he completed all graduate studies toward his Ph.D. in finance and economics at the University of Tennessee.

For many who pursue a career in finance, there’s a long, sometimes winding road eventually leading to titles like C.E.O., Chairman or President. For IBC’s President and C.E.O. of Port Lavaca, Bay City and Upper Gulf Coast operations, such achievements are regular and recurring themes in his wide-ranging and distinguished career. In fact, Richard Bothe has presided over notable financial institutions on four occasions, with his first presidency nearly 30 years ago. Beginning his career in the Southwest as Bank Examiner for the U.S. Treasury, Bothe soon became a banker, acquiring skills in all areas of commercial lending, credit and personal banking. Managing and building portfolios and relationships, he became President and C.E.O. of Main Bank and Trust, San Antonio, while still in his thirties. During the next ten years, he was President, C.E.O. and Chairman of the Board of two other banks in the Alamo City. Following several years of private consultancy, Richard Bothe earned his securities dealer’s license and spent several years as a stockbroker and a bank-affiliated investment representative. Joining IBC–San Antonio in early 1994, he was quickly back on the presidential track, assuming the top position for IBC–Port Lavaca and Bay City in late 1994. Mr. Bothe serves as president of Formosa Plastics Corporation, Texas – Calhoun High School Scholarship Foundation, Inc. In addition, he is a past president of the Rotary Club of Port Lavaca, board member of the Calhoun County Economic Development Corporation, a participant in Leadership Calhoun County Class ‘95/’96, and serves on the board of Global Trade and Technology, Washington, D.C. He is former chairman of the board for the Southwest Texas Public Television Council, past general campaign chairman of the 1997 United Way of Calhoun County, former campaign chairman of the 1999 District of the Gulf Coast Council Friends of Scouting, past district chairman of the Boy Scouts of America, and past board member of Calhoun County YMCA and YMCA of the Golden Crescent. He has also served in a variety of key roles on behalf of the Texas Bankers Association. He is a graduate of and former advisory board member of St. Mary’s University, San Antonio, Texas.

Robert “Bob” Barnes is an established leader in the Texas banking industry with more than 30 years of experience. As president and CEO of IBC–Austin, Barnes oversees and directs the bank’s activities throughout the entire Austin region. He also serves as president of IBC First Equity, IBC’s mortgage division, which specializes in home equity lending and second lien mortgages. In the summer of 2004, Barnes led IBC’s official entry into the Austin market, which was marked by the opening of the bank’s regional headquarters downtown at 816 Congress. (In 2001, IBC acquired Austin-based First Equity and made its initial footprint in the Austin market.) As part of his leadership role, Barnes is spearheading IBC’s expansion in the greater Austin area organically through new branch construction and community reinvestment. International Bancshares Corporation, the parent of IBC Bank, is one of the largest banks headquartered in Texas. Currently, IBC operates more than 200 locations and 300 ATMs throughout South Texas and Oklahoma, and as a holding company, IBC has more than $10 billion in assets. As IBC continues to expand northward along the strategic I-35 NAFTA trade corridor, Austin and Central Texas will continue to serve as key growth markets. Prior to accepting this leadership position, Barnes worked for IBC-Houston for three years as a senior vice president and commercial lender. During this time, Barnes honed his expertise in the areas of interim construction lending, mortgage banking and private banking. Before joining IBC, Barnes served in upper management with some of the Southwest’s most competitive financial institutions, including Compass Bank–Houston and Weslayan Bank. At Compass Bank, Barnes was an executive vice president and helped lead the bank’s residential and interim construction lending activity. He served as president of Weslayan Bank for six years until the financial institution was purchased by Compass Bank. An active member of the Austin community committed to IBC’s “We Do More” philosophy, Barnes serves as a board member of the University of Texas’ McCombs School of Business, the Long Center Corporate Council and Opportunity Austin, an initiative implemented by the Greater Austin Chamber of Commerce’s Economic Development Council. Barnes earned a Bachelor’s Degree in Political Science from Randolph-Macon College in Ashland, Virginia and a Master’s of Business Administration Degree from the University of Arkansas in Fayetteville He and his wife Laura have been married for 31 years and have three children: Katie, Adrienne and Harrison. He is an avid cyclist and gardener.

A native of San Antonio, Steve Edlund has been an instrumental part and one of the driving forces of International Bank of Commerce’s commercial lending team. As Executive Vice President and Senior Lender, Edlund and his team have set the precedent on commercial lending in San Antonio and South Texas. Customers who previously had relationships with other financial institutions are drawn to IBC’s expertise and quick decision making process. A salesman at heart, Edlund enjoys providing the best service and products to IBC’s customers in the most efficient way possible. In June of 2004, Edlund was named President and Chief Executive Officer of IBC San Antonio. As President/CEO, Edlund continues his involvement in commercial lending as well as overseeing IBC San Antonio’s 23 plus retail branch network. This includes the San Antonio area, Helotes, Luling, Marble Falls, New Braunfels and San Marcos. Edlund began his banking career with NBC-San Antonio in 1985 as Assistant Vice President and Commercial Lender. He then served as Vice President and Commercial Lender for Texas Commerce Bank-Houston before joining the IBC team. In continuing his dedication to IBC’s customers and the communities they live in, Edlund is a staunch advocate of volunteerism and IBC’s Employee Advisory Board. He believes in a team oriented approach in business and in the community. Edlund is a Board Member for KLRN Public Television and the Greater San Antonio Chamber of Commerce. He is involved in YMCA sports and is an active member in his church parish. He is also very active in various civic organizations Edlund earned a Bachelor of Business Administration and a Master of Science in Finance from Texas A & M University in College Station. He is married and has four children.

As the CEO of IBC’s Oklahoma operations, Tom Travis has extensive expertise in all facets of banking, including commercial lending, retail banking, product development, insurance, investments, asset/liability management, and electronic banking. With more than two decades in the banking industry, Travis has defined and shaped IBC’s commercial banking efforts. Travis led IBC through unprecedented growth and expansion in the retail and commercial areas, while managing IBC’s largest market. Travis’s success is driving business into the bank and then staying involved at the transaction level to ensure a consistent product delivery. He has built and led a team by instilling confidence in those who work with him, which translates into customers who believe in his team. Travis’s success is not defined only by his banking career. He is regularly on the front line in the business community’s efforts to help businesses succeed. He works closely with various business groups and organizations to assist in attracting high profile companies to his region. A committed supporter of civic and philanthropic organizations, Travis is a current Trustee of the Southwest Research Institute, past Trustee of United Way, past Executive Committee Member and Board member of the San Antonio Economic Development Foundation, past Board Member of the Paseo del Rio Association, past Chairman of the KLRN Membership Committee and past Vice Chairman of the Greater Chamber of Commerce. He has been active in the March of Dimes, the San Antonio Library Foundation, the Santa Rosa Children’s Telethon and the Leukemia & Lymphoma Society. Since his move to Oklahoma, Travis has become a member of The State Chamber, Oklahoma Bankers Association, The Oklahoma City Chamber of Commerce, and The Oklahoma Business Roundtable.

Jeff Samples comes to International Bancshares Corporation with over 23 years experience in the area of commercial lending. As Executive Vice President, he oversees the commercial banking department, which has over $600 million in funded loans. While directing this effort, Samples is personally responsible for a loan portfolio of over $400 million. In addition, he manages both retail and commercial lending officers and oversees the credit department. For the past eight years he has served on the IBC Houston Board of Directors. Prior to joining IBC, Samples served as division manager of commercial banking at Compass Bank. He received his credit training at Interfirst Houston (now Bank of America). His area of expertise is commercial real estate with a focus on retail center and lot development. Jeff maintains active involvement in several community service organizations. Currently, he serves on the Board of Directors for YES College Prep, a charter school for at-risk children. He is the coach of multiple baseball, basketball, and soccer teams for youth in the local community. He has previously been a board member of the BeAn Angel charity which serves multi-handicapped children. Samples received his Undergraduate degree from Baylor University. He is married and has four children.

With over 38 years of bank operations experience Pat Stewart has been responsible for managing IBC’s Service Center Operations for the past 16 years. The IBC Service Center consists of the following departments: Data Processing, Account Services/Bookkeeping, Item Processing, Internet Banking, ACH, Card Services, Automated Teller Machines, Cash Management and Systems Security. Over the past 16 years the Service Center has grown from 45 employees serving 21 IBC branches to 160 employees serving 205 IBC branches. Some of the major accomplishments by the Service Center are: •Image enabled checking account statements •Conversion to a new state of the art Data Processing system •Establishment of Internet Banking and the IBC website •Conversion to a state of the art proof imaging system with deposits and check images being captured at the teller station •Image enabled the new accounts process •Established remote customer deposit functionality Stewart is a graduate of Angelo State University and the Bank Administration Institute School of Banking at the University of Wisconsin in Madison, Wisconsin. He also serves on the Board of Directors of the South West Automated Clearing House Association and is a member of the Pulse Corporation Oversight Committee.

While “doing more” is the credo and guiding principle of International Bank of Commerce (IBC), it is also the personal foundation of IBC-Laredo Senior Executive Vice President, Chief Financial Officer and Chief Operating Officer Imelda Navarro. Navarro serves on the boards of International Bank of Commerce-Laredo and its parent company International Bancshares Corporation, the largest minority-owned bank in the country, which is also headquartered in Laredo, Texas. Navarro’s success is the result of extraordinary dedication to the organization, as she has committed her entire twenty-nine year career to service within the IBC family. Navarro’s leadership experience grew from unheralded yet inspirational origins. She was only 16 when she began working at IBC as a file clerk in conjunction with a vocational program offered through Laredo’s J.W. Nixon High School. After completing the program, she continued working for IBC on a part-time basis while earning her Bachelor of Business Administration, majoring in Accounting at Laredo State University. Over the next two decades, with a solid work ethic and commitment to advancement, Navarro earned respect in the male-dominated banking business and firmly established herself as an “ up and comer” in the financial industry. After graduating from college, Navarro continued to gain knowledge of IBC’s accounting and operations divisions and learned all the facets of personal and commercial banking. When IBC began to grow dramatically during the 1980s and 1990s, she saw her responsibilities evolve to include financial accounting, human resources and bank operations. In 1998, Navarro was promoted to senior executive vice president. In this role she serves as second-in-command to the president/CEO and as Chief Financial Officer and Chief Operating Officer for IBC. Her duties include management of the operations and accounting functions for International Bancshares Corporation. In addition to her multiple duties as Senior Executive Vice President, Navarro takes mentoring to heart and actively participates in IBC Boot Camp, and other employee oriented programs. Because of her history and high level of success at IBC, Navarro is in a unique position to offer new employees her perspective on work advancement and professional development. During IBC Boot Camp, Navarro counsels newcomers on developing leadership skills, encourages maintaining solid communication and offers advice on the personal qualities needed to be an effective member of the IBC family. Navarro’s commitment to service is reflected in the many civic and community groups to which she has given her time, energy and leadership. She currently serves as a Board of Director of Casa de Misericordia, and as a member of the City’s 3rd party funding committee. She is also on the board of the Laredo Center for the Arts and has served as its chairperson. She served as president of TAMIU Alumni, president of Borderfest and is past president of Laredo Business, Professional Women’s Association, Financial Women International, and Domestic Violence Coalition. Additionally, Navarro is a former director of the Laredo Chamber of Commerce and has served on the board of the Laredo Commission for Women and on the advisory board for Mercy Regional Medical Center. In April 2005 Hispanic Business magazine named Imelda Navarro as one of its 2005 Outstanding Women Leaders and in October 2005 the magazine recognized Navarro as one of the 100 Most Influential Hispanics in the country.

Expanding trade with Mexico has been a priority to IBC Executive Vice President, Guillermo R. Garcia for over three decades. Serving as IBC’s director for international business development, Garcia continues to do what he’s done best for years: connect the financial needs of clients on both sides of the border. He understands Mexican trade and is able to assist with the financial wishes of clients in the U.S. and global marketplaces. Traveling extensively throughout Mexico, Garcia has developed a large portfolio of international clients, although he continues to manage longtime domestic client relationships. Garcia is a welcome and trusted resource for Mexican entrepreneurs and industries. His expertise in putting dreams and plans in touch with opportunities and creating succesful ventures has been his trademark since joining IBC in 1968. Since then, he has served IBC in different capacities, including Assistant Vice President, Vice President/Consumer Loan Officer, Department Head and Senior Vice President. Garcia is responsible for International Customer Relations, a program which sets IBC apart from other financial institutions. He has learned the goals and the prospects of personal and commercial banking on both sides of the border. Garcia shares his exceptional customer service skills with his staff of trained professionals. When not “on the road” providing customers and prospects with the “IBC Experience,” Garcia shares management responsibilities on the bank’s Executive Loan and Senior Management committees. Among his many business and banking studies, Garcia is a graduate of the Commercial Lending School at the University of Oklahoma. Demonstrating his interest and ability at developing more than International Trade, Garcia is a past director of the Border Olympics Association and the International Good Neighbor Council. He is currently chairperson of the Membership Committee of the Laredo Country Club.

No word better summarizes the life, career, education, and general focus of J. Jorge Verduzco than the word “international.” Wherever the interests of IBC and its international customers are involved — from the state capital to the centers of business and government throughout this hemisphere — the multilingual, multicultural Verduzco is at work seeking opportunities and insights. Beginning his career in the Latin American and Administrative Bureaus of the U.S. Departmentof State, Verduzco’s wide-ranging background includes Central American and Caribbean export managing and marketing, as well as international health foundation management. Since returning to the U.S. and joining IBC in 1981, Jorge Verduzco’s considerable energies have been devoted to international business development, market research, government relations, marketing and advertising, and sales management on behalf of IBC–Laredo and International Bancshares Corporation. A longtime proponent of economic development along the Texas–Mexico border, Verduzco was appointed to serve as Chairman of the Texas–Mexico Authority Advisory Board and as a member of the Policy Board of the Texas Department of Commerce. He was a founding member of the Border Trade Alliance and the Association of South Texas Communities, which promote economic development along the U.S.–Mexico border and South Texas. Verduzco is a founding Board Member of the Alliance for I-69 Texas. He also served as a Board Member of the Texas Association of Business and Chambers of Commerce where he co-chaired the International Trade Committee. He earned his B.A. in International Relations at St. Mary’s University, San Antonio, Texas, and a Masters degree in Latin American Studies from Georgetown University in Washington, D.C. His second Masters degree was earned with honors from the American Graduate School on International Management — the world-renowned “Thunderbird” school of Glendale, Arizona. Other studies include graduate programs in Bank Marketing and Commercial Lending. Verduzco is author of “International Relations, The Organization of American States.” His many local, national, and international awards and civic/charitable directorships and chairmanships range from economic development groups to the United Way, Boy Scouts of America, and Rotary International.

"Real Estate Investments and Director of IBC; Vice President of the Company and Senior Executive Vice President of IBC until June 30, 2000."

"Real Estate Investments; President of Newman Poultry Co. and Director of IBC since 199"