We Are! Witty & Wise If you want something you ve never had, then you ve got to do something you ve never done.

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1 Legacy Express Lone Star Legacy Club e-newsletter Are You Social? We Are! Find Us On January 0 I Edition ATTENTION LEGACY CLUB MEMBERS: DON T FORGET THE $ HEB Gift Card Referral Fee, just by sending in a Brand New Customer who opens a Legacy Club Account! LSNB Investment Services Stocks and Bonds Fixed Income Products Mutual Funds IRA Rollovers and Transfers Tax-Free Investments Annuities Trust Services And More Ask for more information or to schedule a free consultation. Hello Legacy Friends! Happy New Year! The New Year is a time to celebrate new beginnings. It is time to celebrate having a clean slate. Anything is possible because the past doesn t matter. It has come a time to celebrate our romantic relationships by kissing at the moment that New Year begins. Many of us celebrate our success by with a glass of champagne. Celebrating the New Year brings us hope to a fresh start and look forward to the many blessing to come. From our family to yours Happy New Year! Source: Internet Experience a Unique Style of Texas Banking If you have any questions, concerns, or suggestions, regarding the Legacy Club, please do not hesitate to contact us at () -. Tiny Tidbits Clean Greasy Gas Burners In A Sealed Plastic Bag With Ammonia Put the burners in a plastic Ziploc, add / cup of ammonia then seal. Place the bag on a baking sheet and put it outside overnight. The burners don t need to soak, they just need to be exposed to the fumes. Wipe the burners clean with a sponge, or briefly dunk into dish soapy water. (By the way, never mix bleach with ammonia because it creates toxic fumes.) Source: Pintrest For More Information Call () -0 Securities and Financial Planning offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Lone Star National Bank and LSNB Investment Services are not registered broker/dealers and are not affiliated with LPL Financial. Witty & Wise If you want something you ve never had, then you ve got to do something you ve never done. Source: Anonymous INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY LOSE VALUE

2 Lone Star Legacy Club Travel Benefits Mystery Lucheon Tuesday, January, 0 Come join us for a wonderful day of MYSTERY AND FUN...The Chuck Olson Way! Reserve your spot today! The Location is a Surprise! the Itinerary is a Surprise! $pp Mystery Lucheon Tuesday, February, 0 Come join us for a wonderful day of MYSTERY AND FUN...The Chuck Olson Way! Reserve your spot today! The Location is a Surprise! the Itinerary is a Surprise! $pp Mystery Tuesday, March, 0 Come join us for a wonderful day of MYSTERY AND FUN...The Chuck Olson Way! Reserve your spot today! The Location is a Surprise! the Itinerary is a Surprise! $pp N. 0th St., Ste 0 McAllen, TX 0 () olsontours@aol.com Chuck Olson Tours & Cruises acts only as an agent for independent suppliers providing services connected with this tour or cruise. Services are subject to the terms and conditions of those suppliers. Chuck Olson Tours and Cruises and their respective employees and representatives, accept no liability for any injury, damage, loss, accident, delay, or any incident which may be caused by the negligence, defect, or default of any company or person in performing these services. Responsibility is not accepted for losses, injury, damages or expenses due to sickness, weather, strikes, hostilities, wars, terrorist acts, acts of nature, local laws or other causes. All services are subject to the laws and regulations of the country in which they are provided. Chuck Olson Tours & Cruises is not responsible for any baggage or personal effects of any individual participating in tours/cruises arranged by Chuck Olson Tours & Cruises. Individual travelers have the option of purchasing a travel insurance policy that provides some coverage in the event of lost luggage or personal effects. Any travel agency or travel agent providing tour services are providing their services as independent Contractors and not as employees of Lone Star National Bank.

3 Round Trip Galveston February - March, 0 Night Pre-Cruise Hotel Stay in Galveston Chuck Olson Tours Host Package Includes: Round trip transportation from the valley Night Pre-Cruise Hotel in Galveston (Breakfast Included) $0 Hotel Single Supplement $00 On-Board Ship Credit per Stateroom PACKAGE PRICING PER PERSON Cat N - Inside Stateroom $,0/pp Cat H - Oceanview Stateroom $,/pp Cat D - Balcony Stateroom $,/pp *Prices subject to change based on availability and are based on double occupancy. *** All itineraries are subject to change without notice. HOSTED by Chuck Olson Tours Holland America Line Panama Canal March -, 0 Day Full Transit Panama Canal Sail from Ft. Lauderdale to San Diego on the Maasdam. Ports Include: Curacao, Costa Rica, Nicaragua, full daylight transit of the canal, Mexico (Ixtapa & Cabo San Lucas) CRUISE ONLY PRICING Category M (Interior) $,/pp* Category G (Oceanview) $,/pp* *Pricing subject to change - based on availability and double occupancy. This Group Will Receive a $ Per Cabin Onboard Ship Credit. $0 Booking Deposit *All prices are per person, based on double occupancy. All fares include cabin fare, port charges & taxes. We reserve the right to correct errors. These prices were in effect at the time of printing. All offers are subject to availability and may be changed or withdrawn without notice. All cruise lines reserve the right to add on a fuel surcharge. *All prices are per person, based on double occupancy. All fares include cabin fare, port charges & taxes. We reserve the right to correct errors. These prices were in effect at the time of printing. All offers are subject to availability and may be changed or withdrawn without notice. All cruise lines reserve the right to add on a fuel surcharge. N. 0th St., Ste 0 McAllen, TX 0 () olsontours@aol.com Chuck Olson Tours & Cruises acts only as an agent for independent suppliers providing services connected with this tour or cruise. Services are subject to the terms and conditions of those suppliers. Chuck Olson Tours and Cruises and their respective employees and representatives, accept no liability for any injury, damage, loss, accident, delay, or any incident which may be caused by the negligence, defect, or default of any company or person in performing these services. Responsibility is not accepted for losses, injury, damages or expenses due to sickness, weather, strikes, hostilities, wars, terrorist acts, acts of nature, local laws or other causes. All services are subject to the laws and regulations of the country in which they are provided. Chuck Olson Tours & Cruises is not responsible for any baggage or personal effects of any individual participating in tours/cruises arranged by Chuck Olson Tours & Cruises. Individual travelers have the option of purchasing a travel insurance policy that provides some coverage in the event of lost luggage or personal effects. Any travel agency or travel agent providing tour services are providing their services as independent Contractors and not as employees of Lone Star National Bank.

4 Caribbean Princess Transatlantic Cruise British Isles Passage -Day From Houston, Texas April - May, 0 Fantastic Prices ITINERARY Day Port/Date Arrive Depart Houston, Texas :00 PM Sunday, April At Sea Monday, April At Sea Tuesday, April Ft. Lauderdale, Florida :00 AM :00 PM Wednesday, April 0 At Sea Thursday, April At Sea Friday, April Bermuda (West End) :00 AM :00 PM Saturday, April At Sea Sunday, April - Sat., April 0 Liverpool, England :00 AM :00 PM Sunday, May Holyhead, Wales :00 AM :00 PM Monday, May At Sea Tuesday, May At Sea Wednesday, May Hamburg, Germany (for Berlin) :00 AM 0:00 PM Thursday, May 0 At Sea Friday, May Paris/Normandy (Le Havre), France :00 AM :00 PM Saturday, May London (Southampton), England :00 AM Sunday, May CRUISE ONLY PRICING Cat IF Inside Stateroom $,/pp Cat OF Oceanview Stateroom $,/pp Cat BF Balcony Stateroom $,/pp $00 On Board Ship Credit *Prices subject to change based on availability and are based on double occupancy. Air Not Included. Call for Quote N. 0th St., Ste 0 McAllen, TX 0 () olsontours@aol.com Chuck Olson Tours & Cruises acts only as an agent for independent suppliers providing services connected with this tour or cruise. Services are subject to the terms and conditions of those suppliers. Chuck Olson Tours and Cruises and their respective employees and representatives, accept no liability for any injury, damage, loss, accident, delay, or any incident which may be caused by the negligence, defect, or default of any company or person in performing these services. Responsibility is not accepted for losses, injury, damages or expenses due to sickness, weather, strikes, hostilities, wars, terrorist acts, acts of nature, local laws or other causes. All services are subject to the laws and regulations of the country in which they are provided. Chuck Olson Tours & Cruises is not responsible for any baggage or personal effects of any individual participating in tours/cruises arranged by Chuck Olson Tours & Cruises. Individual travelers have the option of purchasing a travel insurance policy that provides some coverage in the event of lost luggage or personal effects. CRUISES: *All prices are per person, based on double occupancy. All fares include cabin fare, port charges & taxes. We reserve the right to correct errors. These prices were in effect at the time of printing. All offers are subject to availability and may be changed or withdrawn without notice. All cruise lines reserve the right to add on a fuel surcharge. Any travel agency or travel agent providing tour services are providing their services as independent Contractors and not as employees of Lone Star National Bank.

5 Caribbean Princess Caribbean Cruise Western Caribbean & Panama -Day From Houston, Texas March - April 0, 0 ITINERARY Day Port/Date Arrive Depart Houston, Texas :00 PM Wednesday, March 0 At Sea Thursday, March At Sea Friday, April At Sea Saturday, April Cartagena, Colombia :00 AM :00 PM Sunday, April Colon, Panama :00 AM :00 PM Monday, April Limon, Costa Rica :00 AM :00 PM Tuesday, April At Sea Wednesday, April Costa Maya (Mahahual), Mexico :00 AM :00 PM Thursday, April 0 Island of Cozumel, Mexico :00 AM :00 PM Friday, April At Sea Saturday, April Houston, Texas :00 AM Sunday, April 0 PACKAGE Cat IE Inside Stateroom $,/pp Cat OV Oceanview Stateroom $,0/pp Cat BE Balcony Stateroom $,/pp Cat B Balcony Stateroom $,0/pp Cat MD Suite Stateroom $,/pp $00 On Board Ship Credit/Per Stateroom Package Includes: -Day Caribbean Cruise Round Trip Transportation: Valley to Houston -Night Pre Cruise Hotel in Houston w/ Breakfast ($0 Hotel Single Supplement) *Prices subject to change based on availability and are based on double occupancy. Air Not Included. Call for Quote N. 0th St., Ste 0 McAllen, TX 0 () olsontours@aol.com Chuck Olson Tours & Cruises acts only as an agent for independent suppliers providing services connected with this tour or cruise. Services are subject to the terms and conditions of those suppliers. Chuck Olson Tours and Cruises and their respective employees and representatives, accept no liability for any injury, damage, loss, accident, delay, or any incident which may be caused by the negligence, defect, or default of any company or person in performing these services. Responsibility is not accepted for losses, injury, damages or expenses due to sickness, weather, strikes, hostilities, wars, terrorist acts, acts of nature, local laws or other causes. All services are subject to the laws and regulations of the country in which they are provided. Chuck Olson Tours & Cruises is not responsible for any baggage or personal effects of any individual participating in tours/cruises arranged by Chuck Olson Tours & Cruises. Individual travelers have the option of purchasing a travel insurance policy that provides some coverage in the event of lost luggage or personal effects. CRUISES: *All prices are per person, based on double occupancy. All fares include cabin fare, port charges & taxes. We reserve the right to correct errors. These prices were in effect at the time of printing. All offers are subject to availability and may be changed or withdrawn without notice. All cruise lines reserve the right to add on a fuel surcharge. Any travel agency or travel agent providing tour services are providing their services as independent Contractors and not as employees of Lone Star National Bank.

6 January Events Sudoku Puzzle Rio Grande Valley Sites: Winter Texan Expo January th & 0th, 0 Free Admission McAllen Convention Center McAllen, TX The th Annual Texas Citrus Parade Saturday, January 0th, 0 :00 p.m. - :00 p.m. Mission, TX Adult Birding Series - Raptors of the RGV Saturday, January th, 0 :00 a.m. - 0:0 a.m. Edinburg Scenic Wetlands & World Birding Center Edinburg, TX th Annual Winter Texan Appreciation Fiesta Monday, January th, 0 :00 a.m. - :00 p.m. Harlingen Municipal Auditorium Harlingen, TX Taste of La Frontera Monday, January th, 0 :00 p.m. - :00 p.m. Brownsville Event Center Pharr, TX San Antonio Sites: rd Annual Valero Alamo Bowl Saturday, January nd, 0 Alamodome San Antonio, TX Answers to Previous Puzzle on Page. RGV Vipers January 0 Game Schedule: State Farm Arena (00 North 0th Street, Hidalgo, TX) Wednesday, January 0th :00 p.m. Vipers vs. City Blue Saturday, January 0th :00 p.m. Vipers vs. Legends Monday, January th :00 p.m. Vipers vs. Spurs Holidays New Year s Day: Lone Star National Bank will be closed Friday January st, 0 in observance of New Year s Day. Martin Luther King Jr. Day: Lone Star National Bank will be closed Monday, January th, 0 in observance of Martin Luther King Jr. Day.

7 . In a clean skillet, melt the tbsp. of butter. Add the flour to the pan and whisk well. Add the broth and continue whisking. Season with salt and pepper and other spices if preferred. As the flour cooks the gravy should thicken. Add sour cream and whisk. Cook the gravy until it starts boiling then add the meatballs to it and cook for another to 0 minutes, stirring occasionally to ensure meatballs don't stick to bottom of pan.. Garnish with parsley. Serve warm. Source: Jo Cooks Shareable Edibles Swedish Meatballs Ingredients: lb. Ground Cchicken lb. Ground Beef Slices White Bread ¼ Cup Milk Egg Yolk Medium Onion, Chopped tbsp. Butter ¼ tsp. Ground Allspice ¼ tsp. Ground Nutmeg Salt and Pepper to Taste Vegetable Oil for Frying Meatballs Ingredients for Gravy: Cups of Chicken or Beef Broth ¾ Cups Sour Cream tbsp. Butter / Cup All-Purpose Flour Salt and Pepper to Taste PLEASE SEND US SOME OF YOUR FAVORITE RECIPES! Lone Star Legacy Club 0 W. Expressway Ste. Pharr, Texas Or Us At: legacy@lonestarnationalbank.com Sudoku Puzzle (Answers) Instructions:. Tear the bread into pieces and place in a small mixing bowl along with the milk. Set aside.. Melt the butter in a skillet, add the onions and a bit of salt, and sauté them just until onion is soft.. In a bigger bowl, add the ground chicken, ground beef, onions, bread, egg yolks, salt, pepper, nutmeg and allspice. Mix it well using a fork or your hands.. In a skillet heat some vegetable oil. Shape meat mixture into inch meatballs and fry until golden all around, about minutes. Repeat with all meatballs.

8 January Facts The st Month of the Year Is An Outstanding One In the Georgian calendar, the calendar that most of the world uses, January is the very first month of the year. The name January came from a Roman god Janus. According to the Roman legend, in 00 B.C., the ruler Numa Pompilius added January to the end of the 0-month Roman calendar. When it was added, Pompilius gave 0 days to January. However, Romans later made January the first month of the year. Moreover, in B.C. Julius Caesar added a one more day to January and that's why there are in January today. January was known as the wolf month to the Anglo-Saxons because in winter, wolves came into the villages to search for food. It is the coldest month in the northern half of the world, nature is quiet and the birds travel less. Also, the bears and woodchucks go into hibernation. However, in southern half of the world, January is the warmest month. During this time, unlike the northern half of the world, animals are active and plants are growing. Below are some fun facts about January:. The flower symbol of January is snowdrop & carnation.. January s gem is garnet which represents constancy.. The zodiac signs for January is Capricorn (December - January ) and Aquarius (January 0 - February ).. The Common Sense by Thomas Paine was published on January 0,.. On January 0, 0 the League of Nations was established.. National Blood Donor Month. National Braille Literacy Month. National Hobby Month. National Soup Month 0. National Staying Healthy Month. On January,, Amendment to Constitution was proclaimed which modified the Supreme Court's power.. On January,, Utah became the th state.. On January,. New Mexico became the th state.. January - Elvis Presley's birthday. January - National Human Trafficking Awareness Day in the United States. Martin Luther King, Jr. Day in the United States - Third Monday. On January,, Georgia ratified the Constitution.. January - Republic Day in India. On January,, the Emancipation Proclamation was issued by Abraham Lincoln. 0. On the first Monday of January, Handsel Monday is celebrated in Scotland and northern England. Source: Internet Fitness Matters: How to Sleep Better Getting in sync with your body s natural sleep-wake cycle, or circadian rhythm, is one of the most important strategies for achieving good sleep. If you keep a regular sleep schedule going to bed and getting up at the same time each day you will feel much more refreshed and energized than if you sleep the same number of hours at different times. This holds true even if you alter your sleep schedule by only an hour or two. Consistency is vitally important. Try to go to sleep and get up at the same time every day. Sticking to a consistent sleep-wake schedule helps set your body s internal clock and optimize the quality of your sleep. Start by setting a realistic bedtime that will work with your lifestyle. Choose a time when you normally feel tired, so that you don t toss and turn. If you re getting enough sleep, you should wake up naturally without an alarm. If you need an alarm clock to wake up on time, you may need to set an earlier bedtime. Avoid sleeping in even on weekends or nights you ve stayed up late. It can be tempting to sleep in on weekends, but even a couple hour difference in wake time disrupts your internal clock. The more your weekend/weekday sleep schedules differ, the worse the jetlag-like symptoms you ll experience. If you need to make up for a late night, opt for a daytime nap rather than sleeping in. This strategy allows you to pay off your sleep debt without disturbing your natural sleep-wake rhythm, which often backfires in insomnia and throws you off for days. Be smart about napping. As mentioned above, napping is a good way to recharge and make up for lost sleep hours. But if you tend to have trouble falling asleep or staying asleep throughout the night, napping can make things worse. If insomnia is a problem for you, consider eliminating naps altogether or limiting them to to 0 minutes in the early afternoon. Fight after-dinner drowsiness. If you find yourself getting sleepy way before your bedtime, get off the couch and do something mildly stimulating to avoid falling asleep, such as washing the dishes, calling a friend, or getting clothes ready for the next day. If you give in to the drowsiness, you may wake up later in the night and have trouble getting back to sleep.

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