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BANKDIRECT LAUNCHES JETAWAY SWEEPSTAKES
Grand Prize Winner to Receive 100,000 AAdvantage Miles; Weekly Drawings of 10,000 Miles Beginning August 25

DALLAS - (August 1, 2000) - BankDirect, the only Internet bank to offer customers the benefits of the American Airlines AAdvantage® program, has introduced a new "JetAway" Sweepstakes offer that will give winners the chance to escape to one of their favorite American Airlines destinations.

Now through Oct. 13, 2000, visitors to www.bankdirect.com can register to be one of the lucky weekly winners of 10,000 AAdvantage miles - and the Grand Prize winner of 100,000 miles. To enter, visitors must log on and fill out the online entry form. BankDirect will announce the 10,000 AAdvantage mile winners at the end of each week for 10 weeks, beginning August 25, 2000. The Grand Prize winner of 100,000 AAdvantage miles will be announced on Oct. 27, 2000.

"The JetAway Sweepstakes is an exciting way to introduce our AAdvantage product offering to tech savvy, time challenged and value conscious consumers," said Rose Hultgren, Chief Marketing Officer for BankDirect. "Few internet banking companies have the power to develop relationships with industry leaders such as American Airlines and offer consumers such an unparalleled opportunity."

Designed to generate awareness of BankDirect's new line of mileage products, such as Mileage Checking Accounts, Mileage Money Market Accounts and Mileage CDs, the sweepstakes gives visitors to bankdirect.com the chance to win thousands of AAdvantage miles, which translates into air travel, hotel stays, and a host of other redemption options.

New and current AAdvantage members can open a Mileage Checking or Mileage Money Market Account and immediately earn 1,000 AAdvantage miles - plus miles on monthly account balances. An additional 5,000 miles can be earned with direct deposit into a Mileage Checking Account. AAdvantage miles are also awarded upfront on 6, 12 and 24-month Mileage CD terms.

Disclaimer
The BankDirect JetAway Sweepstakes ends Oct. 13, 2000. The Grand Prize 100,000 winner will be announced online Oct. 27, 2000. Log on to the BankDirect Web site, www.bankdirect.com/sweepstakes, for complete rules and regulations. No purchase is necessary.

About BankDirect
BankDirect is the online bank for tech savvy, time challenged and value conscious customers who want a financial service provider that is as fast, flexible and focused on bottom-line value as they are. Launched in May 1999, the company is leveraging the power of the Internet to provide convenient, competitive banking products and responsive service. BankDirect empowers its customers with a wide array of financial products and services that fit their needs, including no-fee, high interest checking, money market accounts and CDs, and free bill-pay service. In addition, BankDirect has partnered with American Airlines to become the first Internet-based bank to offer mileage opportunities to AAdvantage members. BankDirect is the national Internet banking division of Texas Capital Bank, Member FDIC. Texas Capital Bank is privately owned and operated by the holding company, Texas Capital Bancshares, Inc. For more information, visit the company at www.bankdirect.com.

About American Airlines
American Airlines and AAdvantage are marks of American Airlines, Inc. American Airlines reserves the right to change the AAdvantage program at any time without notice. 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.



Rose Hultgren
BankDirect
214-932-6690


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