FINANCIAL INSTITUTION AUDIT AND CONSULTING SERVICE

My firm provides services to the financial institution industry including:

GAAP Audits	Broker dealer audits
Director Exams	Default recovery
Loan Loss Reviews	Tax Return preparation and consulting
Performance Improvement Consulting and Implementation	Special projects (account clean up, forecasts, asset valuations, etc.)
Internal audit outsourcing	Mergers and acquisitions consulting

I have over 18 years experience working with and for financial institutions, including 15 years in public accounting with Ernst & Young and KPMG, and 3 years with national consumer finance companies that originated in excess of $3 billion in loans per year.

My current clients include:	Prior clients (continued)
Pacific Southwest Bank	Security State Bank
PSB Lending	Empire Funding Corp.
AMC Financial, Inc. (NASDAQ OTC: ACFL)	Lamar Savings Southwest Savings
Aegis Mortgage Corporation	FDIC, and RTC
Millennia Capital, LC	FNB Bastrop
CALMCO Servicing, Inc.	FNB Lockhart
My Prior KPMG clients included:	Main Bank
Franklin Federal Bancorp	United Heritage Credit Union
Bank of the West	Austin Area Teachers FCU
Texas Bank	Texas Health Department CU
Highland Lakes Bank	Southcoast Capital
Austin Savings	APS Financial, Inc.
Liberty Bank	Mission Mortgage
Capital National Bank	Residential Capital Corp.

My firm is currently signing up new financial institution clients. If your financial institution has the need of these services or would like additional information, please give me a call for a free consultation and fee quote.

You can reach me by phone at (512) 331-5336 or (512) 431-7950, by e-mail: Tdonovan@Tomdonovancpa.com, or review my website at www.Tomdonovancpa.com. I am very interested in working with you and your Institution.

Sincerely,

Thomas P. Donovan, CPA