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BANKDIRECT PARTNERS WITH AADVANTAGE® TO OFFER CUSTOMERS UNIQUE ONLINE BANKING OPPORTUNITY
Customers Can Earn AAdvantage Miles For Opening And Maintaining Internet Banking Accounts

DALLAS (April 18, 2000) - The power of the Internet meets the power of the jet engine, and now you can use that synergy to bank online and jet away to almost anywhere in the world.

BankDirect, the nation's fastest growing online bank, has partnered with the American Airlines AADVANTAGE® Program, the world's largest travel rewards program, to offer customers a unique opportunity to earn miles while banking online.

Beginning May 1, 2000, AADVANTAGE members in the United States can earn AAdvantage miles when they open a new checking or money market account, purchase a Certificate of Deposit (CD), maintain designated account balances, as well as use a variety of other BankDirect services.

A new BankDirect customer might easily earn 10,000 AADVANTAGE miles a year with a regular checking account and could even earn 50,000 miles with the purchase of a CD. Here are a few of the many ways to earn miles:

  • 1,000 miles for each new checking account or money market account
  • 2,000 miles for using BankDirect's bill pay service for 12 months
  • 1,000 miles for signing up for payroll direct deposit
  • 100 miles per month for every $1,000 maintained in a checking account
  • 50 miles per month for every $1,000 maintained in a money market account
  • 1000 miles for every $1,000 dollars spent on a two-year CD purchase
  • 500 miles for every $1,000 dollars spent on a one-year CD purchase

"We are committed to making our customer's personal banking experience as convenient and rewarding as possible. Travel is an attractive benefit to our target audience," said Rose Hultgren, president of BankDirect. "This partnership creates interest, value and remarkable synergy. BankDirect provides a more flexible and convenient method of banking, which complements travel-intensive lifestyles. We enable time-poor individuals to bank anywhere, anytime via the Internet."

BankDirect is the first Internet-based bank to offer customers the benefits of the AADVANTAGE Program. In addition to providing a valuable rewards program to customers, the initiative has tremendous marketing potential considering its exposure to millions of AADVANTAGE members.

"We are extremely excited about the opportunity to work with such an exceptional organization," said Jody Grant, CEO of BankDirect and Texas Capital Bancshares, Inc. "American Airlines wrote the book on customer loyalty programs and has defined affinity marketing with their AAdvantage program."

"BankDirect offers AADVANTAGE members a unique service and cutting-edge products that reflect a growing trend of motivating online consumer activity. This venture provides a lucrative opportunity for our members to earn miles easily, simply by participating in everyday activities," said Bruce Chemel, president of AADVANTAGE Marketing Programs.

BankDirect has redefined value in personal finance by leveraging the power of the Internet to provide convenient, competitive banking products, and responsive service. BankDirect offers 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.

The American Airlines AADVANTAGE Travel Awards Program began in 1981 with 283,000 members and has grown to become the largest customer loyalty program in the world with over 39 million members. In 1999, more than 2.2 million trips were taken using AADVANTAGE awards, more than any other airline.



Contact Information:
Rose Hultgren
BankDirect
214-932-6690

Mark Kienzle
American Airlines
Corporate Communications
817-967-1577

American Airlines and AAdvantage are registered trademarks of American Airlines, Inc. American Airlines reserves the right to change AAdvantage program rules, regulations, travel awards and special offers at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your ability to use the mileage awards or credits that you have accumulated. Members may not be able to obtain all offered awards or credits that you have accumulated. Members may not be able to obtain all offered awards at all times or use awards for all destinations or on all flights. AAdvantage travel awards, mileage accrual and special offers are subject to government regulations. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www.aa.com. American Airlines and AAdvantage are marks of American Airlines, Inc.


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