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BANKDIRECT RECEIVES BANKRATE.COM TOP TIER AWARD

DALLAS (May 15, 2000) - BankDirect, the nation's fastest growing online bank (www.bankdirect.com), today announced it has received a Top Tier award from bankrate.com, (www.bankrate.com), the flagship site of ilife.com (NASDAQ: ILIF), a leading source of independent and objective information for consumers about bank and credit products.

The bankrate.com Top Tier award assists individual consumers in identifying those institutions that consistently offer high yields on their FDIC-insured deposit products. BankDirect was awarded for consistently offering annual percentage yields that were among the highest reported for the first quarter of 2000 in the bankrate.com newsletter 100 Highest Yields. BankDirect achieved a "top 3" ranking in the category of Money Market Account, in which they were ranked #1, and 6-Month Certificate of Deposit, in which they were ranked #3.

"We are always striving to provide our customers with the best banking options available on the market," said Joseph M. "Jody" Grant, Chairman and CEO of BankDirect. "BankDirect is proud to have been identified as a leader in the financial services industry."

"As the consumer watchdog for the banking industry, bankrate.com determines which institutions offer the best in banking opportunities," said Karen E. Christie, Vice President of Research and Editorial Services for bankrate.com. "We will continue to observe and report on online banks such as BankDirect.com and the product and services they have to offer. A complete listing of the first quarter recipients is posted on the bankrate.com Web site."

About Bankrate.com Bankrate.com provides consumers with financial data, research and editorial information on non-investment financial products. A large research team surveys some 4,000 financial institutions every week in order to provide objective rate information on banking products including mortgages, credit cards and auto loans. Bankrate.com is unique in its approach to offering objective rate information on 130 markets in all 50 states and Puerto Rico.

About ilife.com Based in North Palm Beach, Fla., ilife.com (NASDAQ: ILIF) is an industry leader in providing and syndicating personal finance infrastructure for the online consumer public through a broad portfolio of demographically targeted Web sites, print publications and broadcast segments. The company's leading personal finance site, bankrate.com, features original content that deals with financial planning, taxes, insurance, investing and banking. Our gateway site, www.ilife.com serves as an introduction to ilife.com's family of Web sites, including the award-winning bankrate.com, Pivot.com (insurance e-commerce - www.pivot.com), theWhiz.com (planning content - www.thewhiz.com), IntelligentTaxes.com (tax planning - www.intelligenttaxes.com), Consejero.com, (Spanish-language personal finance - www.consejero.com) CPNet.com (college lifestyle - www.cpnet.com) and GreenMagazine.com (investing - www.greenmagazine.com). Content from ilife.com is published on co-branded Internet sites through more than 120 distributors, including Snap (NASDAQ: NBCI), Yahoo! (NASDAQ: YHOO), America Online (NYSE: AOL), CNN and Smart Money. The company's original research is also distributed through more than 120 national and state publications. Ilife.com sites have approximately one million unique visitors per month, according to Media Metrix.

About BankDirect BankDirect is redefining value in personal finance by leveraging the power of the Internet to provide convenient, 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. In addition, BankDirect has partnered with American Airlines to become the first Internet-based bank to offer mileage opportunities to its AAdvantage members. Launched in May 1999, 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.

Contact Information:
Rose Hultgren
BankDirect
214-932-6690

Karen Christie
BankRate.com
karenc@mail.bankrate.com
800-327-7717

Paula Sirois
ilife.com
paulas@ilife.com
561-630-2279


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