FIRST STAR BANK, S.S.B.
MEMBER FDIC 

COMMUNITY REINVESTMENT ACT 

POLICY STATEMENT: 

Our Bank is unaware of any practices to discourage application for any types of credit or of any discriminatory or illegal credit practices.  Our position is to offer our services to our entire community and serve the needs of all as best we can, based on the facts in each application and credit quality.  We have four offices, in Bremond, Calvert, Franklin and Hearne, and provide services at each location.  We feel only by being active and assisting our community with all our resources, financial and personal, can we see our progress to benefit our customers and our financial institution.

DELINEATION OF COMMUNITY: 

The function of the First Star Bank, S.S.B., Bremond, Calvert, Franklin and Hearne Branches, in Robertson County, Texas, is to provide depository and credit needs of its individuals, businesses, non-profit organizations, city and county governments and school districts.  This is to be done in a safe and efficient manner to protect their interests and those of the Bank.  It is also our policy to comply and be consistent with all sound banking practices, laws and regulations.  We do not discriminate purposefully against any race or any area of our Community.  The area we serve basically consists of Robertson County, Texas, which consists of the greatest portion of our business. 

EFFORTS TO MEET COMMUNITY NEEDS: 

First Star Bank, S.S.B. has been active in our community to help financially where possible. We have financed the operational needs of the Bremond and Calvert Independent School Districts. We have also obtained the School's and County's Depository Contracts and loaned money to both entities as required.  We have participated in a loan to the Robertson County Fair Association on their fairgrounds and improvements.  We have made FHA Subordination loans to our local farmers and ranchers and inquired about FmHA loan for low income housing.  We have made loans to a minority church for remodeling and will continue to do so, whenever possible for whatever their needs may be.  We have made small personal loans to our low income individuals to assist them in their personal needs. 

EFFORTS TO COMMUNICATE WITH THE COMMUNITY 

To enable us to work and assist the community and to ascertain the needs, we are active in all areas.  We currently are serving on the Bremond, Calvert and Hearne Independent School District School Boards, have served on the City Council, the local churches financial boards, Bremond and Hearne Housing Authority, Cemetery Board, P.T.A., Chamber of Commerce Officers and Directors, Brazos Valley Development Council, Bremond Ambulance Committee, Lions Club Officers and Directors, Robertson County Fair Association, Robertson County Go-Texan Committee, P.T.C.. 

We provide for speakers at school, provide bank tours for school children and advertise weekly in our local papers.  We strongly support various church fund raisers and the youth of our community, especially through purchasing F.F.A. and 4-H projects at the annual livestock show and sale.  The youth are also supported through all athletic events that our community offers.

          COMMUNITY REINVESTMENT ACT NOTICE 

The Federal Community Reinvestment Act (CRA) requires the FDIC to evaluate our performance in helping to meet the credit needs of this community and to take this evaluation into account when the FDIC decides on certain applications submitted by us.  Your involvement is encouraged. 

YOU SHOULD KNOW THAT: 

1.         You may obtain our current CRA Statements for this community in these offices, First Star Bank, S.S.B., 109 S. Commerce, Bremond, Texas, First Star Bank, S.S.B., Calvert Branch, 610 Main, Calvert, Texas or First Star Bank, S.S.B., Franklin Branch , 702 Highway 79, Franklin, Texas, Hearne Branch, 1308 S. Market, Hearne, Texas. 

2.         You may send signed, written comments about our CRA Statement(s) or our performance in helping to meet community needs to Norman Koch, President, P.O. Box 7, Bremond,Texas 76629, and to Dallas Regional Director, FDIC, 1601 Bryan Street, 20th Floor, Dallas, Texas 75201-4586. Your letter, together with any response by us, may be made public. 

3.         You may look at a file of all signed, written comments received by us within the past two (2) years, any responses we have made comments, and all CRA Statements in effect during the past two (2) years at our office located at 109 S. Commerce, Bremond, Texas, 610 Main, Calvert, Texas, 702 Highway 79, Franklin, Texas, and 1308 S. Market, Hearne, Texas. 

4.         You may ask to look at any comments received by the FDIC's regional office at 1601 Bryan Street, 20th Floor, Dallas, Texas 75201-4586. 

5.         You may also request from the Federal Deposit Insurance Corporation, 550 17th Street, NW, Washington, D.C. 20429, an announcement of application covered by the CRA filed with the FDIC. 

6.         We are a subsidiary of Southern Bancshares, Inc. a Bank Holding Company.  You may request from the Federal Reserve Bank, Station K, Dallas, Texas 75222, an announcement of application covered by the CRA filed by Bank Holding Companies.