Welcome to Texas First Bank! Transition Guide

Helping Texans Build Texas SM CONTENTS TABLE OF WHO IS TEXAS FIRST BANK? 03 Get to know us and what we stand for. LOCATIONS Christopher C. Doyle See where our 27 banking centers are located. President & CEO 05 TRANSITION CHECKLIST 06 Follow this checklist for a successful transfer to TFB. NEED-TO-KNOW Welcome to Texas First Bank! With over 45 years of serving the community, we are excited to welcome you to our family and look 07 Important dates and account information. forward to providing you with the same first-class service that our customers have come to expect and love. PAY ON-THE-GO Learn the new ways to pay while you’re on the go. At the close of business on October 4th, we will be transitioning your 08 account from Preferred Bank to Texas First Bank, and with the change, we are thrilled to bring you more account options and features. YOUR NEW DEBIT CARD Using your new Texas First Bank debit card. The purpose of this guide is to inform you of those changes (some of 09 which will require action on your part) and provide you with pertinent dates. Our goal is to make this transition as smooth as possible for you. CARD SECURITY Learn the different ways to protect your card from fraudsters. Please take a moment to read this guide. If you have any questions, 10 don’t hesitate to reach out to your local banker, call Texas First Bank at (281) 280-9422, or visit us online at www.texasf irst.bank. ONLINE & MOBILE BANKING Using our online and mobile banking platforms. Your business is important to us, and we thank you for your continued 11 confidence as we make the transition through this exciting time. And don’t worry – even though the name is changing, you’ll be happy to PERSONAL ACCOUNTS know that we’re still locally owned, still Texas friendly… still with the See all your checking & savings options in one place. same community-driven heart. 12

Sincerely, LOANS 13 Information for current and future loans.

Christopher C. Doyle President & CEO WE’RE HERE FOR WHATEVER YOU NEED!

IN PERSON PHONE ONLINE CHAT Visit any of our 27 locations: (281) 280-9422 www.texasf irst.bank www.texasf irst.bank/locations WHO IS TEXAS FIRST BANK? Strong, Solid, & Secure.™ Headquartered in Texas City, Texas First Bank is a state-chartered community bank, dedicated to providing superior customer service through solid and secure financial decisions and forward-thinking product development.

OUR CUSTOMERS ARE OUR FAMILY Texas First Bank’s mission is Helping Texans Build Texas.® We firmly believe that our customers make us who we are. They are our family, and we are committed to being a bank that they can depend on to best serve their financial interests, as well as one that makes a positive impact in our Texas First Bank has been named... local communities.

OUR GUIDING LIGHT We look to our corporate values to point us on the right path in all that we do. They are unchanging and guide us in our interactions with you — our customers, partners, employees, and community. One of American Banker’s The Galveston Daily News’ Best of the Bay Awards - Best Banks to Work For Readers’ Choice - Best Bank Best Bank • Above all, be responsive, responsible, and respectful to 2018 2013 - 2019 2019 our customers and employees. • Fairness: Be fair and truthful in all that we do for our customers and employees. • Integrity: Operate with total transparency. Do the right thing Stay Connected! at all times and honor the confidentiality of our customers. • Vision Driven: Anticipate and forecast the future of financial Find us on each platform by services and how it will impact our customers and employees. searching “Texas First Bank”

3 4 Your Transition Checklist

Set up Texas First Bank Online Banking (OLB) beginning at 8:00AM on Monday, October 7, 2019 using the instructions found on page 11. Verify your name, phone number, email address, and mail address are correct under Settings > Profile. If you need to make an update, go to Settings > Address Change and follow the instructions. Set up (or re-set up) your BillPay recipients under Transactions > Bill Payment. Please make note of your existing BillPay information before October 4th. You will need this information to re-set your BillPay. Set up any account change (login attempts, external transfer creations, etc.) alerts you may want under Settings > Alerts. Set up Personal Finance Management to begin tracking your budget by selecting “Link Account” under throughout six the list of your accounts on the Home page. area counties Download the Texas First Bank mobile banking app on your smartphone or tablet. Log in using your OLB 27 LOCATIONS username and password.

Baytown Galveston - Pirates Beach Liberty Activate your new Texas First Bank Visa® debit card. 819 Rollingbrook Drive 13701 FM 3005 2103 North Main Baytown, TX 77521 Galveston, TX 77554 Liberty, TX 77575 Update any automatic payments (utility bills, online subscriptions, etc.) that you have associated with your old (281) 420-9660 (409) 737-5400 (936) 336-8703 card with your new Visa® debit card information. Beechnut Galveston - Stewart Road Mid County 4648 Beechnut St 6501 Stewart Road 10607 Highway 69 Our Partners Download the free SecurLOCK™ Equip mobile app and load your TFB debit card(s) into the app to get access Houston, Texas 77096 Galveston, TX 77551 Port Arthur, TX 77640 to instant transaction alerts and the ability to turn your card off/on if you misplace it. See page 10 for more (713) 839-8339 (409) 744-6353 (409) 729-0513 information. Conroe Hitchcock Pasadena Rust-Ewing Insurance* 1192 W. Dallas 8128 Highway 6 6731 Spencer Highway 7900 Emmett F. Lowry Expwy Set up your new debit card in Apple Pay®, Samsung Pay®, or Google Pay™ on your smartphone or smart device. Suite A Hitchcock, TX 77563 Pasadena, TX 77505 Texas City, TX 77591 See page 8 for more information. Conroe, Texas 77301 (409) 986-5541 (281) 487-4444 (409) 934-8000 (713) 482-4360 Hull Pearland Monitor your account balance(s) from October 4th to 18th, as account balances and reconciliations may be Assurance One Insurance* Crystal Beach 7551 FM 834 East 2343 North Main Street delayed during this time. 2385 Highway 87 Hull, TX 77564 Pearland, TX 77581 1470 Eldridge Pkwy Crystal Beach, TX 77650 (936) 536-6726 (281) 997-9600 Houston, TX 77077 th (409) 684-3523 (281) 596-9200 Beginning October 4 , make sure that your loan payments are made out to Texas First Bank. You can mail Katy Freeway Santa Fe payments to Texas First Bank, 3000 FM 1764, La Marque, TX 77568. Any payments on autopay will continue to Dickinson 11757 Katy Freeway 12402 Highway 6 4301 Highway 3 Suite 100 Santa Fe, TX 77510 SBA Lending - Arlington be processed as is. Dickinson, TX 77539 Houston, Texas 77079 (409) 925-2582 2225 E. Randol Mill Road (281) 534-2323 (281) 556-6443 Suite 422 Download and share the TFB Home app for anyone interested in a home loan. Spring Arlington, TX 70611 Fannett Kemah 16522 Stuebner Airline 16831 Highway 124 1100 Highway 146 Spring, Texas 77379 Fannett, TX 77705 Kemah, TX 77565 (281) 376-4325 SBA Lending - Pearland (409) 794-3101 (281) 538-4483 2343 North Main Street Texas City Pearland, TX 77581 Friendswood La Marque - 1764 3232 Palmer Highway (281) 997-9600 111 West Parkwood 3000 FM 1764 Texas City, TX 77590 Friendswood, TX 77546 La Marque, TX 77568 (409) 948-1990 (281) 648-5626 (409) 986-557 Texas First Investment Center* The Woodlands 6501 Stewart Road Galleria La Marque - Oak Street 3000 Research Forest Drive Galveston, TX 77552 1535 West Loop South 407 Oak Street Suite 190 (409) 771-3050 Suite 120 La Marque, TX 77568 The Woodlands, Texas 77381 Houston, TX 77027 (409) 938-0200 (832) 813-7172 (713) 629-2800 League City Winnie *Investment and insurance products are not FDIC insured Galveston - Broadway 111 South Highway 3 210 Highway 124 or insured by any Federal Government Agency, not a deposit, not guaranteed by the bank, and may lose value. 2401 Broadway League City, TX 77573 Winnie, TX 77665 Galveston, TX 77550 (281) 332-6900 (409) 296-2111 (409) 762-7974

5 6 NEED-TO-KNOW New Ways to Pay... OCT Over the weekend of October 4-6, 2019, your account ON-THE-GO! will transition to Texas First Bank and your online banking services will move to www.texasf irst.bank. 4 MOBILE WALLET Imagine the things you love about your Visa® card. Now add the simplicity and convenience of paying almost anywhere you shop Online & Mobile Banking Debit Cards from your Apple® or Android™ smartphone, smartwatch, or tablet.* Your account will move to view-only mode You may activate your card as soon as in Preferred Bank’s Online Banking platform you receive it. Begin using your card • Download the Apple Pay®, Google Pay™, or Samsung Pay® app to and the mobile app from 5:00 PM CDT on on October 7, 2019. Please do not your phone, if it’s not already installed. October 4, 2019 until 8:00 AM CDT on destroy your Preferred Bank debit October 7, 2019. card before this date. If you have • Create a secure login. not received your card by October Your account will be available in the Texas First 7, 2019, please contact your local • Add your Texas First Bank Visa card to the app. Bank Online Banking (OLB) platform and mobile app at banking center. • Your phone becomes your wallet, offering the same benefits and approximately 8:00 AM CDT on October 7, 2019. At this time, your access to the Preferred Bank Online Banking See page 9 for more information. protections your card currently provides. Use your phone to pay and mobile app will be deactivated. at many local stores. Please see page 11 for instructions on how to log in. Account Numbers Learn more at www.texasf irst.bank/mobilewallet Your account number will stay the same unless you have been *Only compatible with select carriers and devices. Data rates may apply. otherwise notified. Checks You can continue to use your BillPay SM current check supply until it runs PAY-UP out. When you order your next Preferred Bank’s BillPay service will be deactivated on check supply, your checks will October 4, 2019 at 3:00 PM CDT. Please set up your BillPay recipients in the Texas First Bank OLB platform or Need to pay your friend back for lunch? Maybe you need to pay your babysitter or be updated to reflect Texas First lawn guy? With Pay-UpSM from Texas First Bank, all you need is an email address or Bank’s name and routing number. mobile app beginning October 7, 2019. We recommend that you download your history and phone number and you can securely send money from your TFB debit card to anyone, If you need to place a stop payment on a check after ebills from the Preferred Online Banking platform before at any bank* through the Texas First Bank mobile app and Online Banking portal. October 4th, you can do so in the Texas First Bank OLB October 4th. If you miss this deadline, please contact your portal under Services, then Stop Payment. There is a banker to access historical statements up to two years. $29.50 fee for this service. How does it work? • Select Pay-Up under Transactions in your Online Banking portal or TFB mobile app. Direct Deposit/ACH • Enter the amount and the recipient’s email address or phone number to securely send money from Your existing incoming direct deposits and recurring your debit card. Statements incoming ACH transactions will not initially be interrupted, • The recipient will receive an email or text notification with payment details, and accept the payment but please update this information to Texas First Bank’s ABA/ using either their debit card or bank account information. Your final Preferred Bank eStatement will be available routing number as soon as possible and use it going forward, to view in the Preferred Bank Online Banking platform since this will eventually change. Transactions that will be • If the recipient uses a participating debit card*, the funds will be sent to their checking account on October 1, 2019. Beginning October 7, 2019, affected include ACH debits or credits, direct deposits, wire immediately. If they choose to use a bank account number, the payment will be received within 3-5 eStatements and paper statements will be delivered transfers, financial management software, etc. from Texas First Bank at the end of your statement cycle. business days. We recommend that you download any eStatements No login, app download, or registration is required for the recipient! Payments are processed and you need from the Preferred Bank online banking portal protected in the same manner as PIN-based point of sale debit card before October 4th. If you miss this deadline, you will need ATMs to contact your banker to access historical statements up Beginning October 7 , 2019, you will be able to use the *Some institutions may not be set up to receive debit card payments. In that case, payments must be received using bank account information. to two years. Texas First Bank ATMs with your new Texas First Bank Visa® debit card with no fee. You will also be able to use the AllPoint network ATMs until October 4, 2019. 7 Texas First Bank and the Texas First Bank logo are trademarks or registered trademarks of Texas Independent Bancshares, Inc. All other trademarks are property of their respective owners. 8 Your new chip-enabled Texas First Bank Visa® debit card will be mailed to the address on record with Preferred Bank. Your New Card You may activate and begin using this card on October 7, 2019. Please do not destroy your Preferred Bank debit card before this date. You will be able to set up your Personal Identification Number Security Options (PIN) for your new Texas First Bank debit card when you call to activate your new card. Your Preferred Bank debit card will be active until October 6, Stay ahead of fraudsters with one of our many financial security tools. 2019. After this date, your Preferred Bank debit card will stop working, and you will need to begin using the Texas First Bank debit card. ALERT! Text Alerts If you have not received your Effective October 7, Get text message or email alerts from us asking you to verify debit or 2019, if you need to card by October 7, 2019, please credit card activity we think might be fraud. Texas First Bank customers are Your Texas First Bank report a lost or stolen contact your local banking center. Texas First Bank debit automatically enrolled in this for free, but make sure your phone number card, please call and email address are correct in Online Banking (Settings > Address 1 (800) 500-1044. Change), so you don’t miss the alert! Set up Account Alerts in the Online Banking portal (Settings > Alerts) and DEBIT CARD get phone, email, or text alerts when someone tries to log in to your account, sets up External Transfers, changes your account’s address, and more.

SecurLOCK™ Equip Manage your TFB debit and credit cards with this simple app. Great news! You can now apply for a credit card through your bank. Make secure purchases worldwide with a personal Visa® Temporarily turn your debit or credit card off and on, set transaction limits, credit card from Texas First Bank. and get instant spending alerts with this free app. Download SecurLOCK Texas First Bank credit cards offer: Equip from your smartphone’s app store, load your cards, and get more control over your Texas First Bank credit and debit cards. • Competitive rates • No annual fees www.texasf irst.bank/securlock-equip • ScoreCard Rewards program • EMV Chip Card Technology • Compatible with mobile wallets and SecurLOCK™ Equip Kasasa Protect™ Apply online or at any of our banking centers. Get peace of mind from every angle when you add Kasasa Protect* to your www.texasf irst.bank/credit-cards Kasasa® checking account for a small fee. Your Texas First Bank This service provides around-the-clock fraud monitoring, comprehensive identity protection and restoration services, 24/7 credit monitoring and reporting, and dark web monitoring. Ask your Texas First Bank banker for CREDIT CARD more information and to add this service to your account.

Data and messaging rates may apply. 9 *Not a deposit, not FDIC insured, not insured by any Federal Government Agency, not guaranteed by the bank, and may go down in value. 10 Texas First Bank and the Texas First Bank logo are registered trademarks of Texas Independent Bancshares, Inc. All other trademarks are property of their respective owners. All loans subject to credit approval. To set up Online Banking (OLB) Personal Checking Accounts

Visit www.texasfirst.bank and select the Online KASASA CASH INCONTROL FIVE STAR KASASA CASH1 Banking Login button in the top right after 8:00 BACK 2 CHECKING CHECKING 1 AM on October 7, 2019. $4 monthly service fee $15 monthly service fee No monthly service fee No monthly service fee eliminated by using debit card 8 times/ FEES for balances below $2,500 Choose “First Time User - Personal” and follow the month or receiving eStatements process to auto-enroll. High balances with regular High balances with low 2 High debit card usage Paper statements BEST FOR debit card usage debit card usage The first time you log into the Texas First Bank Earn competitively high Earn 3.00% cash back on debit Get an increasingly higher OLB platform, you will be asked to enter a Secure interest, like 2.01% APY on card purchases, up to $7.50/ BENEFITS No-frills checking interest rate the higher your 3 balances up to $10,000 when month when qualifications Access Code. You can choose to receive this code account balance qualifications are met1 are met2 either by email, phone call, or text message.

Yes, up to $42/month when Yes, up to $42/month when Once you enter the Secure Access Code, you have No No ATM REFUNDS qualifications are met1 qualifications are met2 the option to register your device. If you select 4 “Register Device,” you will not have to enter a MINIMUM $50 $50 $50 $2,500 Secure Access Code the next time you log in on OPENING DEPOSIT that device, but you will have to go through the Secure Access Code process if you log in via a MINIMUM BALANCE Yes No No No $15 monthly service fee different browser or device. REQUIREMENT with balances below $2,500

Note: Statements you received from Preferred Bank will not be All accounts come with: FREE ONLINE FREE DEBIT accessible in the Texas First Bank Online Banking platform. If BANKING FREE BILLPAY CARD you would like a copy for your records, download or print the ✓ ✓ ✓ statements that you need before October 4, 2019 when the Preferred Bank Online Banking System will be deactivated.

To set up the Texas MOBILE APP FEATURES Personal Savings Accounts KASASA SAVER3 STAR SAVINGS SHINING STAR PERSONAL First Bank mobile • Access your account information MONEY MARKET Kids under 18 years old Reward-seekers, 18+ Anyone, 18+ Anyone, 18+ • Manage your budget BEST FOR Parent of guardian must open account banking app: • Transfer money between your accounts Link your Kasasa® checking to Whether you’re saving for a rainy Teach your children the Kasasa Saver® and watch your day or a fun family vacation, get importance of saving early. Enjoy the flexibility of a Download the Texas First Bank app • Deposit checks with your phone’s camera balance grow - no budgeting your start with a Star Savings Help them by opening a checking account while required. It’s an easy way to account. Earn competitive Shining Star Savings account from your smartphone or tablet’s DESCRIPTION earning higher interest • Send money to friends and family at other set aside funds each month, interest rates and resist the in their name. No minimum 1 app store. The icon will look like this: rates on higher balances. and keep it safe from your temptation to take out funds deposit to open, no minimum financial institutions with just a phone daily withdrawals! with limited free withdrawals. balance, competitive interest. number or email address using the Pay- After first logging in to the Online Banking portal Up feature under Transactions EARNS INTEREST Yes, compounded monthly Yes, compounded monthly Yes, compounded monthly Yes, compounded monthly on your desktop, log in to the mobile app using 2 the same credentials. • View your statements and reorder checks MINIMUM $50 $300 $0 $2,500 OPENING DEPOSIT Read and accept the Terms and Conditions and $3 monthly fee begin using. MONTHLY $15 monthly fee 3 No waived with $300 minimum balance No waived with $2,500 SERVICE FEE or automatic monthly transfer of at minimum balance least $25 from checking account

WITHDRAWAL 6 free withdrawals per month, 6 free withdrawals per month, 6 free withdrawals per month, 6 free withdrawals per month, ONLINE & MOBILE BANKING LIMITS $3 for each thereafter $3 for each thereafter $3 for each thereafter $20 for each thereafter All accounts come with: FREE ONLINE FREE SET-UP INSTRUCTIONS ✓ BANKING ✓ eSTATEMENTS 11 1, 2, 3 See page 14 for disclosure statements. 12 Kasasa Cash® 1 APY is Annual Percentage Yield. Qualification Information: Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means the period beginning on the last business day of the prior month to one business day prior to the last business day of the current month. Business Days include Monday through Friday, excluding Federal Holidays. “Statement Cycle” means the period of time for which Texas First Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Reward Information: Must meet the following qualifications each Monthly Qualification Cycle to receive reward: Have at least 1 automatic payment or direct deposit post and settle, Have at least 10 debit card purchases post and settle, Be enrolled in and agree to receive eStatements. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances less than or equal to $10,000 receive 1.99% interest rate and APY of 2.01%; and balances over $10,000 earn 0.25% interest rate and APY of 2.01% to 0.25% depending on the balance in your account (2) you will receive reimbursements up to an aggregate total of $42 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, TFB Loans we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY, and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $50 minimum deposit is required to open the account. Contact one of our bank’s customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

Kasasa Cash Back® 2 Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants If you have a pre-existing loan with and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means the period beginning on the last business day of the Preferred Bank, your current loan prior month to one business day prior to the last business day of the current month. Business Days include Monday through Friday, excluding Federal Holidays. “Statement Cycle” means the period of time for which Texas first Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Reward Information: Must meet the following qualifications processing will not change. However, each Monthly Qualification Cycle to receive reward: Have at least 1 direct deposit post and settle, Have at least 10 debit card purchases post and settle, Be enrolled in and agree to receive eStatements. When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3% cash back on up to a total of $250.00 on Pin-based/signature based debit card purchases the address for mail-in payments after that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $42 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees October 4, 2019 is: based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rewards are variable and may change after Texas First Bank account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $50 minimum deposit is required to open the 3000 FM 1764 account. Contact one of our bank’s customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. La Marque, TX 77568

Kasasa Cash with Saver If you’re on autopay, no action is required. 3 APY is Annual Percentage Yield. Qualification Information: Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means the period beginning on the last business day of the prior month to one business day prior to the last business day of the current month. Business Days include Monday through Friday, excluding Federal Holidays. “Statement Cycle” means the period of time for which Texas first Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the PERSONAL LOANS current statement cycle: Kasasa Saver: Balances less than or equal to $10,000 receive 0.85% interest rate and APY of 0.85%; and balances over $10,000 earn 0.35% interest rate and APY of 0.85% to 0.35%, depending on account balance. Kasasa Cash: Balances up to $10,000 receive an interest rate of 1.99% and APY of 2.01%; and balances over $10,000 earn 0.25% interest rate and APY of 2.01% to Get a personal loan to finance whatever life throws your way. Enjoy competitive rates and flexible terms on 0.25%, depending on account balance. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn 0.05% interest rate and APY of 0.05%. Kasasa Cash: All balances earn an interest a wide variety of personal needs, including vehicle repair, vacation, education, weddings, and much more. rate of 0.05% and APY of 0.05%. When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. Rates and Secured and unsecured options available. rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other Apply Online: www.texasf irst.bank/personal-loan requirements apply. $50 minimum deposit is required to open the account. Monthly Direct Deposit or Automatic Payment is a qualification of this account. Electronic statement is a condition of this account. Enrollment in electronic services (e.g. electronic statements) is required to meet some of the account’s qualifications. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our bank’s customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

AUTO LOANS Get the funding you need to buy a new or used car. We offer competitive rates and flexible terms. We’ll even Kasasa Cash Back with Saver get you pre-approved, so you know what’s affordable and can bargain better when you step onto the car lot. 3 Qualification Information: Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants Apply Online: www.texasf irst.bank/auto-loan and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means the period beginning on the last business day of the prior month to one business day prior to the last business day of the current month. Business Days include Monday through Friday, excluding Federal Holidays. “Statement Cycle” means the period of time for which Texas first Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle. Kasasa Saver: Balances less than or equal to $10,000 receive 0.85% interest rate and APY of 0.85%; and balances over $10,000 earn 0.35% interest rate and APY of 0.85% to 0.35%, depending on account balance. Kasasa Cash MORTGAGE LOANS Back: 3% cash back on up to a total of $250.00 Pin based/signature based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn .05% interest rate and 0.05% APY. Kasasa Cash Back: No cash back payments Get the money you need to live in the house of your dreams - without the stress - when you apply for a are made. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $50 minimum deposit is required to open the account. Monthly Direct Deposit is a qualification of this account. Electronic Statements is a condition of this mortgage with Texas First Bank. With $0 down options available1 and experts to walk you through the account. Enrollment in electronic services (e.g. electronic statements) is required to meet some of the account’s qualifications. An account is required to have a Kasasa Saver account. A linked Kasasa Saver process, getting a home loan is easier than ever. account is required for automatic savings. Contact one of our bank’s customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Apply online at www.texasf irst.bank/mortgage or via TFB Home app in your phone’s app store. Kasasa, Kasasa Cash Back, Kasasa Cash, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

13 1 $0 down options available for qualified buyers on certain types of mortgages. Please ask a representative for more information. NMLS #772536. All loans subject to credit approval. Questions?

Call (281) 556-6443 until October 4, 2019. Call (409) 948-1993 after October 4, 2019. www.texasf irst.bank

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