Annual Disclosure Statement

In accordance with part 350 of the Federal Deposit Insurance Corporation's Regulation (disclosure of financial and other information by FDIC insured state non-member banks), First Federal Community Bank, SSB, will make available an annual disclosure statement. Requests for the disclosure statement can be directed to 630 Clarksville Street, Paris, Texas 75460, or by telephoning (903) 784-0881. The annual disclosure statement has not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation. The first copy of the annual disclosure will be provided to a requester free of charge.