Author: SouthStar Bank

Personalized assistance to aid customers affected by COVID-19 As a community financial services provider, SouthStar Bank strives to function as an integral part of the communities around us – including in trying times like these. With the financial unknowns of the coronavirus, we want our borrowers to know that SouthStar Bank is committed to helping qualified customers weather the challenges ahead. If you are suffering financial hardship caused by COVID-19, please contact your local SouthStar Bank  Branch or Loan Officer to discuss loan modification options. Unprecedented times call for unique solutions and we are ready to help. Initiatives are in place to assist the people and communities we serve withstand the extraordinary pressures triggered by COVID-19 and be better positioned to recover from its effects. SBA Disaster Loans In addition, the Small Business Administration (SBA) has implemented relief loans for businesses affected by the COVID-19 situation. Loans include Economic Injury Disaster Loans (EIDLs) to provide access to working capital, and SBA Paycheck Protection Loans (PPP) to retain workforce through debt forgiveness for payroll during a defined covered period. Please refer to SBA.gov for the latest information. The SouthStar Bank SBA Team is here to help and discuss available options for your business. Contact us at sba@southstarbank.com. As always, our mission is to provide friendly, flexible, common-sense financial solutions – Texas Style!

LIMITED LOBBY ACCESS: Drive Thru and Online Banking Recommended We greatly appreciate the trust and confidence you have placed in SouthStar Bank. As we continue to monitor, plan and implement our strategy to address COVID-19, we want to assure you that the safety and well-being of our customers and employees are our top priorities. With these intentions, we have decided to take precautionary action and limit non-essential traffic within all SouthStar Bank branch lobbies. The Bank remains open to serve and help our customers through this crisis. Limiting access to our lobby and public areas will serve to protect employees and customers as we increase sanitation and implement social distancing as suggested by the CDC. Our drive thru will remain open. In addition, some branches may be operating with reduced hours. Currently, branches with reduced drive thru hours include: SouthStar Bank Harker Heights: Drive Thru Open Monday-Friday, 8am – 5pm If you wish to meet with a banker or conduct in-person transactions, please call the branch for an appointment. REMOTE BANKING SERVICES We are committed to providing uninterrupted, exceptional services while balancing the interests of our clients, our employees and others we serve. For your convenience, we provide a variety of options to help manage your accounts and maintain productivity. Allpoint ATM Network: world-wide, surcharge free ATMs CardValet®: Manage and monitor debit card activity Direct Deposit: Deposit paychecks automatically into your account Mobile App: Deposit checks with a picture and transfer funds Online Banking: Review transactions, transfer funds, pay bills and open accounts Zelle: Person-to-person money transfer Telebanking: 24/7 account access (866.333.9064) If you haven’t already: Download the SouthStar Bank Mobile App > Enroll in SouthStar Bank Online Banking > FRAUD PREVENTION The Federal Trade Commission has warned about scammers who are taking advantage of fears surrounding the Coronavirus. We ask communities to be vigilant against this type of fraud. Remember, if we reach out to you, we won’t ask for confidential information such as your name, password, personal identification number (PIN) or other account information. CONTINUED MONITORING & UPDATES SouthStar Bank has faced many challenges throughout its 100-year history. We are in this together and have every confidence that we will meet this new challenge and once again demonstrate our commitment to the communities we serve. We plan to regularly review, expand, and evolve these and other preventative measures as we learn more from the World Health Organization, Centers for Disease Control, and other health experts about how to combat the spread of this virus. In the meantime, please know we are committed to doing all that we can to keep our communities safe. We will continue to provide updates to you through our website, over social media channels and by email. We appreciate your feedback. For comments or questions please reach out to your branch representative or email contact.us@southstarbank.com.

The health and well-being of SouthStar Bank employees, community, and customers are our primary concern. While there is currently no foreseen impact to the Bank’s operation of services, we continue to closely monitor and evaluate developments of COVID-19 (also known as Coronavirus) and follow guidance from the Centers for Disease Control (CDC) and local health and government authorities. There are several precautionary measures we are taking to ensure we safely manage through this situation while continuing to serve our community and customers effectively. Proactive steps include deployment of additional hand sanitizers and enhanced cleaning of common areas and high-touch surfaces throughout the day. Thank you for your partnership and assistance as SouthStar Bank works to confront these important issues. Members of our community can maximize the effectiveness of these efforts by adhering to preventive hygiene guidance as published by the CDC, including: Cover your cough or sneeze with a tissue, then throw the tissue in the trash and wash your hands. Avoid touching your eyes, nose and mouth. Clean and disinfect frequently touched objects and surfaces. Wash your hands frequently with warm water and soap for 20 seconds. Use hand sanitizer with at least 60% alcohol when soap and water are not readily available. Avoid close contact with people who are sick. In addition, it is recommended to: Stay informed: CDC information: https://www.cdc.gov/coronavirus/2019-ncov/index.html All members of the community are encouraged to visit the site regularly for FAQs, including the best ways to protect your personal health, and updates as new information becomes available. Stay home if you are sick: If you feel ill or experience flu-like symptoms (elevated temperature, fever, cough, shortness of breath), you are advised to stay home and seek medical care. For your convenience, we offer remote banking capabilities at no additional charge. 24-Hour Telebanking (866.333.9064) Allpoint ATM Network CardValet® Online Banking (southstarbank.com/online-banking-login/) Mobile App with Deposit Capture We understand that there is a great amount of concern, uncertainty and anxiety throughout the community. The safety and wellbeing of our employees and customers are our highest priorities and we appreciate your partnership and assistance as SouthStar Bank works to confront these important issues. We appreciate your feedback. For comments or questions please reach out to your branch representative or email contact.us@southstarbank.com.