STARPOINT CONSUMER BANKING SERVICES AND FEES

For more information on the financial products and services listed below that Texas Capital Bank can offer your employees, please call 877.TEX.BANK (877.839.2265) or visit the Texas Capital Bank location nearest you.

DIRECT DEPOSIT

We accept pre-authorized payroll direct deposits to your checking or savings accounts. If you have arranged to have direct deposits made to your accounts at least once every 60 days from the same person or company, you can call us at 877.TEX.BANK (877.839.2265) to find out whether the deposit has been made to your account.

Fees: None

ATM/DEBIT CARD

You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs within the networks identified on your card. You may use your card to:

• Withdraw cash from your checking or savings account
• Transfer funds between your checking and savings accounts
• Get balance information on your deposit accounts
• You may withdraw up to $500 (if there are sufficient funds in your account) per day

Fees and Charges: ATM owners may impose their own fees. There is no fee for a replacement card.

Some of these services may not be available at all terminals.

PERSONALIZED CHECKS

Personalized checks are provided free of charge. Designer checks may be ordered at an additional cost.

MONTHLY STATEMENTS

You get a monthly account statement from us, unless there are no transactions in a particular month. You will receive a quarterly statement on a savings account.

Fees: None

STOP PAYMENTS

Texas Capital Bank will make every attempt to honor your request; however, stop payments are not guaranteed. If the item was transmitted electronically, or Texas Capital Bank has already accepted the check for processing, we will not be able to stop the item. Stop payments will remain in effect for six months.

Fees: None

ELECTRONIC PAYMENTS

You may arrange for us to complete pre-authorized recurring bill pays from your checking or savings account.

Fees: None

CAPITAL TELEBANKING

Your accounts are always accessible with Capital TeleBank!

• Review account balances
• Set up transfers between accounts
• Retrieve your account history
• Retrieve account statements
• Change your ATM or CheckCard Personal Identification Number (PIN)
• Private easy and convenient banking from your touch-tone phone

To access 24 hour customer service: Dial Capital TeleBank toll-free @ 877.839.2265, option 2

Fees: None

MAINTENANCE FEE

A monthly maintenance fee of $35 may be applied to your StarPoint checking account if your average monthly collected balance falls below $25,000.

Other Services & Fees	Consumer	Commercial
Insufficient Funds (NSF) Fee	$45 per item	$45 per item
Uncollected Funds (UCF) Fee	$45 per item	$45 per item
Deposited Item Chargeback	$12 per item	$12 per item
Deposited Item Chargeback Notice	$7 per notice	$7 per notice
Collection Items – Outgoing	$20 + cost/item	$20 + cost/item
Collection Items – Incoming	$20 + cost/item	$20 + cost/item
Administration Fee – Garnishments and Tax Levies	$50 per occurrence	$50 per occurrence
Courier Plastic Deposit Bags Bag Size 9'' X 12''  Bag Size 10'' X 14''	$0.25 per bag $0.30 per bag	$0.25 per bag  $0.30 per bag
Temporary Checks	Free	Free
Bond Coupon Redemption	$10 per issue	$10 per issue
Statement Hold for Pickup	Free	Free
Account History	Free per request (Instant Statement)	Free per request (Instant Statement)
Special Statement	$5 per cycle	$5 per cycle
Check Copies	Free	Two free with statement then $3 per item
Stop Payment Order	Free	$15
Duplicate Statement	Free	$5
Account Research	$25 per hour (1 hour minimum)	$25 per hour (1 hour minimum)
Cashier's Check	Free	Free
Wire Transfers (International)	Free for all incoming; $40 outgoing (plus receiving bank charges)	Free for all incoming;  $40 outgoing (plus receiving bank charges)
Wire Transfers (Domestic)	$12 outgoing (plus receiving bank charges)	$12 outgoing (plus receiving bank charges)

A monthly maintenance fee of $35 may be applied to your StarPoint checking account if your average monthly collected balance falls below $25,000.