Please refer to the Glossary of Certain Terms (page G-1) for definitions of
various terms.



Overview



Access Anytime Bancorp, Inc. (the “Company”), a Delaware corporation, is the
thrift holding company of FirstBank (the “Bank”). The Company owns all of the
outstanding stock of the Bank, which is the Company’s principal asset. The Bank
was originally chartered by the FHLBB in 1934. Currently, deposits with the
Bank are insured to the maximum extent permitted by the SAIF, which is under the
supervision of the FDIC. The Bank is a member of the FHLB system and the
Company and the Bank are subject to comprehensive regulation, examination, and
supervision of the OTS and the FDIC.



The Bank conducts full service banking operations through seven offices located
in Albuquerque, Clovis, Gallup, and Portales, New Mexico. The Company’s
executive offices are located at 5210 Eubank, NE, Albuquerque, New Mexico.  ... More..."http://secfilings.nasdaq.com/edgar_conv_html%2f2004%2f02%2f27%2f0001104659-04-005900.html#FIS_BUSINESS"