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Kristi was born and raised in Cleburne, Texas. She is a Dallas Baptist University graduate with a Bachelor of Business Studies where she majored in Accounting and Finance. Her banking career began in 1981 while she still attended Cleburne High School. In 1999, she joined Pinnacle Bank and became a lender. She handles all aspects of lending from consumer to commercial. Community involvement and customer service are highly important to Kristi. She is an active member of Cleburne Lions Club and Meals on Wheels of North Texas.