(A letter from the president to all customers)

Dear Valued Customer,

Eden



Big Lake



Rankin

The Eden State Bank, Big Lake Bank and First State Bank of Rankin are in the middle of some exciting changes. Effective April 1, 2010 the name of the banks will be changing to Texas Financial Bank.

With the same friendly ownership the bank is simply re-branding the name to strengthen our image as a five star rated financial service company. You will continue to receive the same great service and products that you have come to expect from your local bank. Please be assured that your existing checks, debit cards, drafts and automatic deposits will continue to process without interruption.

The following will be the official names of each of our locations:

• Texas Financial Bank, dba The Eden State Bank
• Big Lake Bank, a branch of Texas Financial Bank
• First State Bank of Rankin, a branch of Texas Financial Bank

The signage in front of each of your banks will remain the same.

A new and improved website will be released with many new features. You will be able to continue using the same web address which will direct you to our new website beginning June 1, 2010. We would love for you to visit our site and sign up for internet banking and all of the conveniences that come with it. You will be able to check your balance, recent transactions, transfer funds and most importantly you can receive your statement the first day it is available with the use of our e-statement feature. Be sure to check our website for upcoming promotions.

Our mission is to provide competitive products and excellent customer service to obtain the position as the financial leader in the communities we serve.

Please feel free to contact any of our locations if you have any questions about the change.

Sincerely,

Roger Kalina
President