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BANKDIRECT ANNOUNCES DIRECT INTERFACE WITH MICROSOFT® MONEY FINANCIAL SOFTWARE
Partnership Provides Money Users Direct Access To Higher, Internet-Only Banking Rates

DALLAS (November 18, 1999) - BankDirect, the nation's most progressive Internet bank, announced today that it will offer an interface that will provide a direct connection with Money, a leading personal finance software package.

The interface establishes BankDirect as the first Internet-only bank offering a direct interface between an individual's bank records and Money. The connection will enable BankDirect customers to perform online banking and bill payment activities through Money. Through the direct interface, Money users bypass the traditional downloading and conversion of intermediate files by automatically "populating" Money's financial management software with records directly from BankDirect.

Higher Interest Rates For Money Users The interface positions BankDirect to be the first Internet-only bank to offer the benefit of higher interest rates, lower fees and more flexible services provided by Internet-only banks through direct compatibility with Money. Operating without the need or expense of brick-and-mortar branch offices and staff, BankDirect offers up to 4.75% interest on checking accounts and 5.35% on money market accounts -- significantly higher than rates offered by traditional banks. In addition, BankDirect does not charge customers monthly account maintenance fees, resulting in additional savings.

"Our primary objective has always been to give consumers more convenience and control over their banking activities," said Rose Hultgren, president of BankDirect. "This is an exciting affinity relationship. The connection gives Money users direct access to more competitive BankDirect products, and it provides our customers with a seamless interface to a premier financial management application."

About BankDirect BankDirect is redefining value in personal finance by leveraging the power of the Internet to provide convenience, competitive banking products and responsive service. BankDirect provides no-fee, high interest checking, money market accounts and CDs, as well as free bill-pay service to customers around the nation. Launched in May 1999, BankDirect operates on the World Wide Web at www.bankdirect.com. BankDirect is the national Internet banking division of Texas Capital Bank. Texas Capital Bank is privately owned and operated by the holding company, Texas Capital Bancshares, Inc., which was founded in December, 1998 with the largest start up capitalization in U.S. banking history. Microsoft is a registered trademark of Microsoft Corporation.



Contact Information:
Rose Hultgren
BankDirect
214-932-6690


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