GULLEN/FROST BANKERS, ING. is a financial holding company, headquartered in San Antonio, with assets of $10 billion at December 31, 2004. The corporation provides a full range of commercial and consumer banking products, investment and brokerage services, insurance products and investment banking services. Its subsidiary, Frost National Bank, operates 78 financial centers across Texas in Austin, Boerne, Corpus Christi, Dallas, Fort Worth, Galveston, Harlingen, Houston, McAllen, New Braunfels, San Antonio and San Marcas. Frost National Bank / 100 West Houston Street fi San Antonio, Texas THE ANNUAL MEETING OF SHAREHOLDERS TO A.M. IN THE COMMANDERS ROOM MAY 18, 2005