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How to send money with Zelle® safely

Zelle® is a fast, safe and easy way to send and receive money with people you trust, like your babysitter, your fellow PTA mom, your son’s soccer coach, or your coworker. Whether you just enrolled with Zelle® or have been an active user for a while, there are a few tips you should always keep in mind to ensure you are being safe when sending money. Only send money to people you know and trust Money moves fast with Zelle®, directly from bank account to bank account within minutes*. So, it’s important you know and trust the people you’re sending money to. Why? Because you can’t cancel a payment once it’s been sent, if the recipient is already enrolled with Zelle®. And if you send money to someone you don’t know for a product or service you might not receive (like paying for something in advance), you may not get your money back. Keep in mind that sending money with Zelle® is similar to handing someone cash. Beware of payment scams One example of a payment scam is buying event ticket sat a price that seems too good to be true from a stranger and never receiving them. If the seller asks you to use Zelle® to purchase the tickets, you should refuse unless the seller is a person you personally know. Also, keep in mind that no one from SouthStar Bank will ask you to send them money with Zelle® as a test or to send money to avoid a fraud event. Neither SouthStar Bank nor Zelle® offers a protection program for authorized payments made with Zelle®. So, if you aren’t sure you will get what you paid for, you should use another payment method with purchase protection, such as a credit card. Treat Zelle® like cash Did your friend change phone numbers recently? It’s easy for people to change their phone number or email address. When in doubt, contact your friend to verify the email or U.S. mobile number they used to enroll with Zelle® before you hit “Send.” Another good check point for ensuring you’re paying the right person is to confirm the first name that is displayed for enrolled emails and U.S. mobile numbers. If a person has already enrolled a U.S. mobile number or email address with Zelle®, you can’t cancel the transaction, so it’s important you get it right the first time. If you’d like more information on safely using peer-to-peer payments, check out these articles from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB). Helpful Tips for Using Mobile Payments Services and Avoiding Risky Mistakes Tips on Using Peer-to-Peer Payment Systems and Apps How to Keep Your Personal Information Secure Online *U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Portfolio Loans

Portfolio Loans | SouthStar Bank What is a portfolio loan? A SouthStar Bank portfolio loan is originated and funded right here at our institution, and never moves into the secondary mortgage market. It’s called a “portfolio loan” because it’s always going to stay in our portfolio. That means we can rely on our relationship with the customer to determine loan eligibility even if they don’t meet the typical mortgage profile. For example, meet Annie. Annie is a freelance marketing consultant with variable income.  Her credit score has taken a few hits but we’ve known Annie for years. She’s been a customer in good standing and a part of our community for a long time. Her business is picking up, and she’s starting to get back on her feet. Purchasing a home could improve her stability, her credit, and her children’s lives. She may even want to purchase a four-plex, so she can start earning some rental income on the other three units.  Annie comes to SouthStar Bank and meets with one of our loan officers to discuss the Star Advantage Loan. We look at her plans, her property, and total financial picture and make a decision about whether she’ll be a good risk. If we agree the loan makes good business sense, we move forward, even though she would not have been eligible for a loan through Fannie Mae and Freddie Mac. Are portfolio loans a good idea? A portfolio loan generally isn’t riskier for the consumer than any other kind of mortgage. It is riskier for the banker, which means it can come with higher interest rates and fees. Whether they are a good idea for you depends on your unique situation and goals. Would you be able to qualify for a conventional mortgage with just a little more work and time? Do you have aspirations towards becoming a landlord or real estate investor? Are you trying to purchase a non-traditional property or unique property? Of course you should carefully consider the total picture before you make your final decision. Our loan officers are happy to discuss the risks and benefits of a portfolio loan in your specific case. How do you qualify for a portfolio loan?  Applying for a portfolio loan isn’t just about forms and numbers. It’s about your story. Be prepared to sit down and discuss yours. Tell us what your assets are, what you hope to accomplish, what’s behind, and what’s ahead. Be thorough and be transparent, even if you think parts of your situation might create an issue. We might be willing to work with you anyway, or we might be able to walk you through specific steps you can take to address areas of concern. What are some common uses for a portfolio loan?  Many of our customers have used portfolio loans to: Purchase a residence after a bankruptcy, short sale, foreclosure, or divorce. Purchase a residence while self-employed. Purchase a residence as a foreign national. Purchase a rental property or a fix-and-flip […]

Employee Spotlight- Mariela Tinajero

Mariela Tinajero, Assistant Electronic Funds Manager | SouthStar Bank Gonzales Annex Mariela Tinajero has been a part of the SouthStar Bank family for the last nine years. She works out of the Gonzales Annex as an Assistant Electronic Funds Manager. In her role, Mariela is responsible for managing all electronic transactions, including wires and ACH payments. Her always-ready-to-help attitude has earned her great respect around the bank. One of Mariela’s most significant career achievements was being awarded the Ride for the Brand award, which recognizes the individuals who have gone above and beyond to uphold the SouthStar Bank brand and standards. In her free time away from the bank, Mariela loves going on motorcycle rides with her husband, working out, and traveling with family. Something that might be surprising about Mariela is that one of her bucket list items is to travel to New York City.

Customer Spotlight- Cockrum Custom Homes.

Cockrum Custom Homes is locally owned and operated by Bradley and Marian Cockrum. Established nearly three decades ago, the Cockrums are intimately familiar with Williamson County market, witnessing significant growth in Georgetown and its surrounding communities. Bradley was keenly interested in home building from an early age. Helping frame homes with his grandfather who was a German carpenter, Bradley began his home building career at the age of 16. He has passed on his passion for craftmanship to his entire family that now works by his side. His son, Garrett Cockrum, working as superintendent and project manager at Cockrum Custom Homes, and daughter, Amber Cockrum, who manages the most recent expansion of their business, Cockrum Commercial. His eldest daughter, Haley Waggoner, a licensed residential real estate agent with Keller Williams, manages the real estate transactions.   Cockrum Custom Homes remains a niche business dedicated to quality custom homes. A full-service, residential custom home builder, the team specializes in 1+ acre homesites in Williamson County. Clients appreciate their attention to detail and personal approach to home building. Bradley values personal relationships and local expertise, and so found SouthStar Bank to be a fit for his financial needs. SouthStar Bank is able to provide a full relationship including commercial accounts as well as lending services for spec homes. From the personal attention by Tina Zander, Branch Manager, in retail and commercial banking to knowledgeable insights from lender, Jesica Garza. “Their professionalism and service can’t be beat,” says Bradley. Ready to build your custom home with Cockrum Construction? SouthStar Bank provides financing for lot purchase and construction with one-time-close. If your dream home is on acreage or otherwise unique, look to Kevin Kelly and the team of expert lenders [CC1] who specialize in flexible, common-sense financial solutions to meet your needs. CONTACTS Cockrum Custom Homes 200 Sedro Trail  |  Georgetown, TX 78633 sales@cockrumhomes.com 512.930.1130 SouthStar Bank 4535 Williams Dr.  |  Georgetown, TX 78633 512.688.5093 Jesica Garza, Vice President & Branch Executive | NMLS# 1508061 jesica.garza@southstarbank.com | m: 512.966.7342 Tina Zander Assistant Vice President & Branch Manager tina.zander@southstarbank.com  |  m: 512.217.7605

Congratulations Blake Feste! New Senior Credit Officer

Congratulations to Blake Feste, recently promoted to Senior Credit Officer! Blake has been a part of the SouthStar Bank team since 2017 and was previously an employee of former Lone Star Bank from 2013 to 2015. Blake has excelled in his role at the bank to uphold the overall quality of the Bank’s credit extension. He will continue to provide support and direction in loan policies and procedures, working with Credit Analysts and Regional Credit Managers to promote loan growth while balancing risk controls for the bank. Outside of work, Blake held a position as Co-Chair of Programs on the board for the Young Men’s Business League of Austin for 5 years. Blake and YMBL worked to raise money each year to send low-income youth to summer camp, assisting approximately 1,000 kids each year. As of 2022, he is an Alumni Member but continues to be heavily involved in the efforts of the non-profit organization. Blake and his wife, Ellen, live in Northwest Austin with their 3-year-old son, Liam. They enjoy traveling and cheering on his alma mater, the TCU Horned Frogs, during football season. Member FDIC | Equal Housing Lender | NMLS# 683300

Employee Spotlight- Marci Clanin

Marci Clanin, Portfolio Manager | SouthStar Bank Georgetown A member of the SouthStar Bank Georgetown team, Marci Clanin is a Portfolio Manager for the lending department. An alumna of The University of Texas at Austin, Marci joined SouthStar Bank earlier this year. Since she is still new to the industry, Marci’s favorite aspects of her job are the constant learning and fast-paced environment. When Marci is not at work, she manages her other full-time job as a mom to her 12-year-old son and 10-year-old daughter. In her spare time, she enjoys reading and catching up on her favorite reality tv shows. Two surprising items on Marci’s bucket list are cage diving with sharks and owning a full-sized pig that she would name Chet. Marci Clanin NMLS# 2068290

Congratulations Jesica Garza! New Branch Executive

Congratulations to Jesica Garza on her promotion to Branch Executive! Jesica Garza has been promoted to Branch Executive of the SouthStar Bank Georgetown Branch. Jesica has been with SouthStar Bank for three years as a portfolio lender, specializing in land and construction financing. She has multiple years of prior experience in mortgage lending and has also taught mortgage and real estate investing courses to continuing education students as a Certified Mortgage Planning Specialist. A local to Georgetown, Jesica proudly graduated as a Georgetown Eagle in 2004 and continued on to Texas State University to pursue her degree in International Relations. As Branch Executive, Jesica is looking forward to broadening and sustaining the branch’s relationships with the community. Active in the community, Garza previously served on the Austin Board of the National Association of Professional Mortgage Women. In addition, she stays involved with her husband’s non-profit, Flatwater Foundation, and its mission to provide access to therapy for families coping with a cancer diagnosis. Jesica and her husband, Mark, have two kids: one son and one daughter. Member FDIC | Equal Housing Lender | NMLS# 1508061

Employee Spotlight- Lindsey Morkovsky

Lindsey Morkovsky, Senior Vice President/Accounting Manager | SouthStar Bank Moulton Lindsey Morkovsky is the Accounting Manager and a Senior Vice President at SouthStar Bank. An alum of Texas Lutheran University, Lindsey has been with SouthStar Bank for the last nine years and currently offices in the treasury department in the Moulton Headquarters. Her favorite thing about working in the banking industry is that there is always something new to learn and an opportunity to assist others. Outside of work, Lindsey is very involved in her church, Saints Cyril & Methodius Catholic Church, where her husband serves as Deacon. An active runner, Lindsey has run in many competitive runs through the years, including the Boston Marathon in 2019, and is hoping to one day run the New York City Marathon. Her other hobbies include spending time with her family, serving at her church, hiking, camping, and traveling. Lindsey has three kids; two sons and one daughter but is also a grandma to a two-year-old girl, Amitty. Lindsey lives in the country between Moulton and Shiner with her husband Michael, and 12-year-old son Levi, with a dog “stormy,” one pig “big papa,” one horse “skeeter,” three chickens, and many cows.   Her favorite place she has traveled to recently is Italy, visiting Rome, Sienna, and Priano. 

Employee Spotlight- Larry Weisinger

Larry Weisinger, Senior Vice President/Branch Executive | SouthStar Bank Bee Cave Larry Weisinger is the Branch Executive and Senior Vice President of the SouthStar Bank Bee Cave location. He is an alumnus of The University of Texas at Arlington and has worked in the financial industry for almost 25 years. Through his long tenure in the industry, Larry’s favorite aspect of banking has remained the same, the people he serves. “I enjoy the structure of the deal and helping people make sound decisions regarding their personal lending needs or making that crucial business decision regarding the structure and long-term hold of commercial lending,” he says. During his career, Larry was also responsible for creating a private mortgage lending brokerage firm that was eventually sold to a publicly held company. He has also advised other financial institutions on how to streamline and maximize their residential and commercial lending capabilities. A long-time resident of Lake Travis, Larry and his wife, Tracie, raised their two children in the LT school district, which they still actively support as members of the Lake Travis Education Foundation. A Texan inside and out, Larry enjoys spending time in the great outdoors hunting and fishing. He enjoys traveling to adventure destinations that have challenging angling opportunities. A fun fact about Larry is that the first concert he ever attended was the King of Country, George Strait. NMLS# 299096

Employee Spotlight- Kyla Gesell

Kyla Gesell, Assistant Vice President/Branch Manager | SouthStar Bank Kerrville Kyla Gesell is the leader of the SouthStar Bank Kerrville operations team. She joined the banking industry in February of 2019 with no prior banking experience and unsure about her new job. Three years later, Kyla has a strong passion for what she does and enjoys the fact that every day brings something new. After the acquisition of the Kerrville location was completed in 2021, Kyla was named to her current position of Assistant Vice President and Branch Manager. In her community, Kyla recently became a member of the Hill Country Charity Ball Association. The group works together to host an annual gala that raises proceeds for non-profit organizations that seek to improve the lives of others. When she is not at work, Kyla enjoys spending quality time with her husband and their son, Grit. Together the family loves being outdoors and making the most of their time together.

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