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 recently included new advantages to benefit our customers by including these additional FREE services: bill pay, e-statements 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

Non-Interest Bearing Deposit Transaction Accounts Now Fully Insured.

Fees can reduce earnings.

No minimum balance required to obtain disclosed APY.

First Star Bank S.S.B. has elected to participate in the Federal Government's Transaction Account Guarantee Program. What this means is that your noninterest-bearing checking account balances are fully insured by the FDIC, regardless of the balance, through June 30, 2010. Noninterest-bearing accounts include Interest on Lawyers Trust Accounts and transaction accounts earning 0.50% interest or less. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

The standard FDIC deposit insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

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 Account Guarantee Program.

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.state.tx.us/tdsml_contact_us.html. www