OLOTR completed our annual Texas Department of Banking (TDB) audit on February 29th, 2012. We are proud to say that we have received a uniform risk rating of “1” for the fourth consecutive audit period. This is the highest ranking assigned by the TDB. Certificate holders in this group are sound in every respect and have demonstrated a willingness and ability to comply with applicable laws and regulations, and adhere to sound fiduciary principles. Great job team OLOTR!!!!