Mission Statement:

American First National Bank desires to become the leading Asian-American owned financial institution within the United States. We are committed to conducting business with the highest ethical standards, operating in a safe and sound manner, and complying with laws and regulations.

Brief History and Locations:

We are an Asian-American owned National Bank with reported total assets exceeding $2.489 billion as of December 31, 2022 with full FDIC insurance coverage, headquartered in Houston, Texas. We were formed by six organizers in August 1997 and opened for business on May 18, 1998. Our Corporate Office is located at 9999 Bellaire Blvd., near the southeast corner of the intersection on Beltway 8 and Bellaire Blvd. in Houston. This site was chosen because of its proximity to the highly concentrated Asian-American community located along the Bellaire Blvd. corridor. The Corporate Office is located in a 12-story building which the Bank owns 6 floors of space. In addition to our Corporate Office, we operate from 20 branch locations in Texas, Nevada, and California. In the state of Texas, there are 6 branches in the Houston Metro area, First Colony, Harwin, Spring, Katy and Sugar Land; 7 branches in the Dallas Metro area, Richardson, Harry Hines, Legacy, Plano, Carrollton, Garland, and Arlington. In the state of Nevada, there are 4 branches, Las Vegas, Pahrump, Amargosa Valley, and Henderson. In the state of California area there are 3 branches, City of Industry, Alhambra, Arcadia, and a Loan Production Office.

Information on our Directors and Management:

Board of Directors

The Board of Directors of American First National Bank consists of 14 members. Henry Wu has served as the Chairman of the Board since the inception of the Bank in 1998. He was previously Chairman of the Board for Texas First National Bank (currently Golden Bank, N.A.) for several years. The Board is actively involved in the overall management of the bank and ensures that adequate internal controls and compliance with all applicable laws and regulations are met. The Board also has the responsibility to ensure maximum profits commensurate with the best interests of the customers, shareholders, employees, and the public. The Board members are: Mr. Henry Wu, Chairman, Mr. Cheng Yuan Kao, Vice Chairman, Mr. Ray Chang, Vice Chairman, and Mr. Bruce Chang, President/CEO, Mr. Andy Chien, Dr. George Tseng, Dr. Paul Cheng, Dr. Chong-Huey Wang, Mr. Steven Sun, Mr. Ronnie Miller, Mr. Ali Lakhany, Mr. Wen-Chuan Chen, Mr. Hank Chuang and Mr. Gor-Pau Roy Wu.

Senior Management

Our Senior Management team, consists of experienced bankers who are dedicated to achieving the Bank's mission under the management and oversight of the Board of Directors. Our Senior Management team includes:

• Bruce Chang, President & CEO
• Fion Chen, EVP & Chief Lending Officer
• Eleanor Kwan, EVP & Chief Operations Officer
• Lucheng Mailloux, EVP & Nevada Regional Manager
• Peter Lam, EVP & California Regional Manager
• Michael Bailey, EVP & Chief Compliance Officer & CRA Officer
• Monnie Mak, 1st SVP & Assistant Chief Lending Officer
• Anita Nwosuocha, SVP & Chief Financial Officer
• Luke Yang, SVP & Dallas Regional Lending Manager
• Simon Lin, SVP & California Regional Portfolio Manager
• Jennifer Cho, SVP & Senior Lending Officer
• Mike Jan, SVP & Senior Lending Officer
• Lynn Lin, SVP & Senior Lending Officer
• Saeromee Kim, SVP & Senior Lending Officer
• Angeline Chen, SVP & Senior Lending Officer
• Jenny Yang, SVP & Senior Lending Officer
• Judith Lee, SVP & Senior Lending Officer
• Tim Chuang, SVP & Senior Lending Officer
• Dawning Ho, SVP & Investment Officer
• Michael Klobosits, SVP & Internal Audit Manager
• Kevin Hajek, SVP & Chief Information Security Officer
• Robert Pierce, SVP & Risk Management Manager
• Sook Kim, SVP & Marketing Officer
• Mike Fann, SVP & Controller/Cashier
• Fivan Tang, SVP & Chief Credit Administrator
• Jennifer Hao, SVP & Closing Department Manager
• Joanne You, SVP & HR Manager & Secretary to the Board
• Thalia Wang, SVP & Bookkeeping Department Manager
• Amy Gou, SVP & Harwin Branch Manager
• Linda Yi, SVP & Spring Branch Manager
• Nora Lao, SVP & Richardson Branch Manager
• Sun Kim, SVP & Harry Hines Branch Manager
• Jessie Lee, SVP & Legacy Branch Manager
• Jane Shiah, SVP & Las Vegas Branch Manager
  
• Joyce Lin, SVP & City of Industry Branch Manager

Banking Services:

The staff of American First National Bank is primarily Asian-American and is able to offer the community, the ability to speak many different languages. The major bank services are:

• Demand Deposit services, including checking accounts, money market accounts and NOW accounts. Time and savings deposit services, including regular savings, money market savings, certificates of deposit and IRA's.
• Loans for businesses and consumers, including working capital, commercial construction, real estate, home improvement, automobiles, personal use and others.
• Trade financing, including letters of credit, international wire transfers, collections and bill discounts.
• Internet banking service and Mobile banking service.
• Other services include: remote deposit, ACH, safe deposit box, International & domestic wiring, cashier checks, money orders, ATM, and Notary.

Additionally, we have an experienced International Banking Department who provides international banking services, such as trade finance. We also have correspondent relationships with most of the major banks in the world in order to facilitate the international transactions. Our involvement in the community is extensive and we have an active Officer Call program. When called upon, we provide speakers to address local schools, business, and civic organizations regarding the services offered by our bank.