First Star Bank

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Welcome to First Star Bank, S.S.B!

We continue to provide you, our valued customers, with the same great customer service you have become accustomed to over the years! We have increased the advantages that benefit our customers by offering FREE bill pay and online banking. We hope to keep providing you with innovative ways for convenience in meeting your banking needs.

Please do not hesitate to call if I can help you in any way

Sincerely,

Norman Koch President


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FDIC Disclosure

Fees can reduce earnings.

Non minimum balance required to obtain disclosed APY.

On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which, in part, permanently raises the current standard maximum deposit insurance amount to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category.

Special Rule for Sweep Investments - If you have a noninterest-bearing checking account that "sweeps" funds into another account, you should be aware that funds swept to an interest-bearing account, a non-transaction account or overnight investment account will not be covered by the FDIC Transaction Guarantee Program.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
+All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

USA PATRIOT ACT DISCLOSURE

The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide on or more forms of identification.

This institution is chartered, licensed, or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Any customer wishing to file a complaint against this institution should contact the Texas Department of Savings and Mortgage Lending through one of the means indicated: In Person or U.S. Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas 78705; Telephone No.: 877-276-5550; Fax No.: 512-475-1360; Website: www.sml.texas.gov/tdsml_contact_us.html. www