First Free Checking. First Interest Checking

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1 First Free Checking Consumer Deposit Accounts Overview Features: This account offers unlimited check writing privileges. Debit/ATM card usage is available subject to a $2, daily limit. Images of cleared checks and deposits are provided with your monthly bank statement. Available as an add- on to this account is the BaZing Benefits Package for an additional $4.95 monthly fee, which includes many membership and bank benefits. This account is eligible for SmartSavings Auto- Transfer at no charge, subject to opening a First Regular Savings Account. Telephone banking, online banking, mobile banking and bill pay are provided at no charge. Your choice of electronic or paper bank statements is also available. For more information on any of these products or services, please contact a FirstCapital team member, or visit Minimum Balance to Open: You must deposit $25.00 to open this account. Fees and Charges: The following fees and charges apply to this account: Check Copy Fee: First three copies of cancelled checks are free and $.50 per item thereafter, per statement cycle. This account is subject to applicable overdraft, NSF and returned item fees as disclosed in Common Features/Limits and Fees. Account Add- On Options: SmartSavings Auto- Transfer is an account feature available to be added to any FirstCapital personal checking account upon provides a $1.00 auto credit transfer from an identified personal checking account into your First Regular Savings account, in conjunction with each debit card transaction processed through the checking account. This transfer may possibly overdraw the personal checking account if the balance in the checking account falls below $1.00 and normal overdraft fees would apply. This feature may be terminated at any time by contacting the Deposit Operations Department, FirstCapital Bank of Texas, N.A. at 844- FCB- TEXAS ( ), or by requesting termination in writing to Deposit Operations, FirstCapital Bank of Texas, N.A., 3900 S. Soncy Road, Amarillo, TX BaZing Benefits Package ($4.95 monthly fee with BaZing Benefits Package service fee reduction available) - Refer to the BaZing Benefit Package page or ask a FirstCapital Bank team member for further details. First Interest Checking Features: Debit/ATM card usage is available subject to $2, daily limit. Images of cleared checks and deposits are provided with your monthly bank statement. Available as an add- on to this account is the BaZing Benefits Package for an additional $4.95 monthly fee, which includes many membership and bank benefits. This account is eligible for SmartSavings Auto- Transfer at no charge, subject to opening a First Regular Savings Account. Telephone banking, online banking, mobile banking and bill pay are provided at no charge. Your choice of electronic or paper bank statements is also available. For more information on any of these products or services, please contact a FirstCapital team member, or visit Rate Information: This account is an interest bearing account with tiered interest rates. At our discretion, and at any time, we may change the interest rates for this account. The interest rate on this account and annual percentage yield(s) can be quoted on a business day, during normal business hours by a FirstCapital team member at your request. If you close this account before interest earned is credited, you will not receive the accrued interest. Tier 1 - If your daily balance is equal to $1,000, or more, the interest rate paid on the entire balance in your account will be equal to the Tier 1 rate. Tier 2 - If your daily balance is $500, or more, but less than or equal to $999,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 2 rate. Tier 3 - If your daily balance is $250, or more, but less than or equal to $499,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 3 rate. Tier 4 - If your daily balance is $100, or more, but less than or equal to $249,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 4 rate. 1

2 Tier 5 - If your daily balance is $25, or more, but less than or equal to $99,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 5 rate. Tier 6 - If your daily balance is $0.01 or more, but less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 6 rate. Compounding Frequency: Interest will be compounded monthly. Crediting Frequency: Interest will be credited into this account monthly. example, checks) into your account. Minimum Balance to Obtain Disclosed Annual Percentage Yield: You must maintain a minimum daily balance of $0.01 or more in your account each day to obtain the disclosed annual percentage yield. Minimum Balance to Open: You must deposit $1, to open this account. Deposit and Withdrawal Limitations and Fees: You may make an unlimited number of deposits into your account. The first 45 checks or withdrawals processed on your account each month will be free. If your minimum daily balance falls below $1,000.00, you will be charged $.15 per item in excess of the first 45 checks or withdrawals. When applicable, this fee will be added to the monthly fee. If the minimum daily balance remains above $1, during the statement cycle, there is no service fee and unlimited check writing with no fees. Other Fees and Minimum Balance to Avoid Fees: Monthly Fee: $12.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $1, This account is subject to applicable overdraft, NSF and returned item fees as disclosed in Common Features/Limits and Fees. Account Add- On Options: SmartSavings Auto- Transfer is an account feature available to be added to any FirstCapital personal checking account upon provides a $1.00 auto credit transfer from an identified personal checking account into your First Regular Savings account, in conjunction with each debit card transaction processed through the checking account. This transfer may possibly overdraw the personal checking account if the balance in the checking account falls below $1.00 and normal overdraft fees would apply. This feature may be terminated at any time by contacting the Deposit Operations Department, FirstCapital Bank of Texas, N.A., at 844- FCB- TEXAS ( ), or by requesting termination in writing to Deposit Operations, FirstCapital Bank of Texas, N.A., 3900 S. Soncy Road, Amarillo, TX BaZing Benefits Package ($4.95 monthly fee, in addition to the excess withdrawal fee (if your balance falls below $1,000.00, you will be charged $.15 per item in excess of the first 45 checks or withdrawals) or minimum balance fee ($12.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $1,000.00) charged, with BaZing Benefits Package service fee reduction available). Refer to the BaZing Benefit Package (included in attached pages) or ask a FirstCapital Bank team member for further details. First Regular Savings Features: Images of deposits and withdrawals will not be provided with your bank statement. Statements are produced at least quarterly. Telephone banking, online banking, mobile banking and bill pay are provided at no charge. Your choice of electronic or paper bank statements is also available. Rate Information: This account is an interest bearing account. At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change at any time. The interest rate on this account and annual percentage yield(s) can be quoted on a business day, during normal business hours by a FirstCapital team member at your request. Interest will 2

3 be compounded quarterly and will be credited to the account quarterly. If you close your account before interest is credited, you will not receive the accrued interest. example, checks) into your account. Minimum Balance to Obtain Disclosed Annual Percentage Yield: You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield. Minimum Balance to Open: You must deposit $ to open this account*. (*This requirement waived for students through 12th grade and college students who can provide school identification. Students age 17 and below are required to open the account with a legal guardian). Deposit and Withdrawal Limitations and Fees: You may make an unlimited number of deposits into your account. If you exceed 3 withdrawals per calendar month, you will be charged $3.00 per withdrawal. When applicable, this fee will be charged monthly and will be added to the service fee. During any calendar month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any calendar month, your account will be subject to closure by the financial institution. Other Fees and Minimum Balance to Avoid Fees: A service fee of $5.00 will be charged monthly, unless you maintain a minimum daily balance of $ Additional Definitions and Terms: SmartSavings Auto- Transfer is an account feature available to be added to select FirstCapital personal checking account upon opening of a First Regular Savings account and completion and signature on a SmartSavings Activation form. This feature provides a $1.00 auto credit transfer from an identified personal checking account into your First Regular Savings account, in conjunction with each debit card transaction processed through the checking account. This transfer may possibly overdraw the personal checking account if the balance in the checking account falls below $1.00 and normal overdraft fees would apply. This feature may be terminated at any time by contacting the Deposit Operations Department, FirstCapital Bank of Texas, N.A., at 844- FCB- TEXAS ( ), or by requesting termination in writing to Deposit Operations, FirstCapital Bank of Texas, N.A S. Soncy Road, Amarillo, TX If this account is linked to a checking account through the SmartSavings program, the following terms apply: Interest will be compounded monthly. Interest will be credited into this account monthly. Statements are produced monthly in the form of a combined checking and savings account statement. First Money Market Features: Images of deposits and withdrawals will be provided with your monthly bank statement. Telephone banking, online banking, mobile banking and bill pay are provided at no charge. Your choice of electronic or paper bank statements is also available. Rate Information: This account is an interest bearing account with tiered interest rates. At our discretion, we may change the interest rates for this account. The interest rate on this account and annual percentage yield(s) can be quoted on a business day, during normal business hours by a FirstCapital team member at your request. Tier 1 - If your daily balance is equal to $1,000, or more, the interest rate paid on the entire balance in your account will be equal to the Tier 1 rate. Tier 2 - If your daily balance is $500, or more, but less than or equal to $999,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 2 rate. 3

4 Tier 3 - If your daily balance is $250, or more, but less than or equal to $499,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 3 rate. Tier 4 - If your daily balance is $100, or more, but less than or equal to $249,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 4 rate. Tier 5 - If your daily balance is $25, or more, but less than or equal to $99,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 5 rate. Tier 6 - If your daily balance is $2, or more, but less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be equal to the Tier 6 rate. The interest rates and annual percentage yields may change at any time. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. example, checks) into your account. You must maintain a minimum daily balance of $2, in your account each day to obtain the disclosed annual percentage yield. Minimum Balance to Obtain Disclosed Annual Percentage Yield: You must maintain a minimum daily balance of $2, in your account each day to obtain the disclosed annual percentage yield. Minimum Balance to Open: You must deposit $2, to open this account. Deposit and Withdrawal Limitations and Fees: You may make an unlimited number of deposits into your account. If you exceed six withdrawals per calendar month, you will be charged $15.00 per withdrawal. When applicable, this fee will be charged monthly and will be added to the service charge. During any calendar month or statement cycle, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a pre- authorized or automatic transfer, or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution. Other Fees and Minimum Balance to Avoid Fees: A service fee of $12.00 will be imposed every monthly statement cycle, unless you maintain a minimum daily balance of $2, Closing Fee: $25.00 if you close your account within 90 days of opening. This account is subject to applicable overdraft, NSF and returned item fees as disclosed in Common Features/Limits and Fees. First Freedom Checking Features: This account provides an offering for those who do not qualify for any other FirstCapital Bank checking account based on their past banking history. This account offers unlimited check writing privileges. Debit/ATM card usage is restricted to a $ daily limit. Images of cleared checks and deposits are provided with your monthly bank statement. You may make an unlimited number of deposits into your account. Images of cleared checks and deposits will be provided with your monthly bank statement. Telephone banking, online banking, mobile banking and bill pay are provided at no charge. Your choice of electronic or paper bank statements is also available. This account is eligible to utilize the SmartSavings Auto- Transfer at no charge, subject to opening a First Regular Savings Account. For more information on any of these products or services, please contact a FirstCapital team member, or visit Minimum Balance to Open: The minimum balance required to open this account is $ Fees and Charges: The following fees and charges apply to this account: Service Fee: $10.00 each statement cycle regardless of your balance. 4

5 This account is opt- out only; however, may be subject to applicable overdraft, NSF and returned item fees as disclosed in Common Features/Limits and Fees. Additional Terms: The following additional terms apply to this account: Our standard overdraft practice for this account is to return unpaid transactions drawn on insufficient funds. However, inadvertent overdrafts are possible in limited situations. The bank s Overdraft Protection product is not available on this account. After this account is open for 6 consecutive months with no overdrafts or NSF items, you are eligible to upgrade the account type to any other checking account product that we offer. To upgrade your account type, please contact a FirstCapital Bank team member. Account Add- On Options: SmartSavings Auto- Transfer is an account feature available to be added to any FirstCapital personal checking account upon provides a $1.00 auto credit transfer from an identified personal checking account into your First Regular Savings account, in conjunction with each debit card transaction processed through the checking account. This transfer may possibly overdraw the personal checking account if the balance in the checking account falls below $1.00 and normal overdraft fees would apply. This feature may be terminated at any time by contacting the Deposit Operations Department, FirstCapital Bank of Texas, N.A., at 844- FCB- TEXAS ( ), or by requesting termination in writing to Deposit Operations, FirstCapital Bank of Texas, N.A S. Soncy Road, Amarillo, TX BaZing Benefits Package ($4.95 monthly fee, in addition to the monthly service fee ($10.00 each statement cycle), with BaZing Benefits Package service fee reduction available) - Refer to the BaZing Benefit Package (included in attached pages) or ask a FirstCapital Bank team member for further details. PaySound Checking Features: This account offers unlimited check writing privileges and Debit/ATM Card usage subject to bank imposed limits. This account has a monthly fee, but will never be charged an Overdraft, NSF or return check fee by FirstCapital Bank. If a check is presented that insufficient funds are available to pay, the item(s) will be returned. Images of cleared checks and deposits are provided with your monthly bank statement. Included with this account at no additional charge is the BaZing Benefits Package, which includes many membership benefits (fee reductions for the BaZing Benefits Package are not available with PaySound Checking). This account is eligible to utilize the SmartSavings Auto- Transfer at no charge, subject to opening a First Regular Savings Account. Telephone banking, online banking, mobile banking and bill pay are provided at no charge. Your choice of electronic or paper bank statements is also available. For more information on any of the products or services, please contact a FirstCapital Bank team member or view at Rate information: This account is an interest bearing account with a quoted interest rate at the time of opening. At our discretion and at any time, we may change the interest rates for this account. The interest rate on this account and annual percentage yield(s) can be quoted on a business day, during business hours by a FirstCapital team member at your request. If you close your account before interest is credited, you will not receive the accrued interest. Compounding Frequency: Interest will be compounded monthly. Crediting Frequency: Interest will be credited into this account monthly. example, checks) into your account. You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield. 5

6 Minimum Balance to Open: The minimum balance required to open this account is $ Deposit Limitations: You may make an unlimited number of deposits into your account. Fees, Charges and Minimum Balance to Avoid Charges: Monthly Program Participation Fee: $15.00 each statement cycle regardless of your balance Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. Accrual of interest on noncash deposits - Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account. Minimum balance to obtain the disclosed annual percentage yield - You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield. Additional Terms: The following additional terms apply to this account: The Overdraft, NSF and Returned Item Fees do not apply to this account. Our standard overdraft practice for this account is to return unpaid transactions drawn on insufficient funds. Inadvertent overdrafts are possible in limited situations; however, you will not incur a fee. Account Add- On Benefit or Options: BaZing Benefit Package is included with this account at no additional cost. Refer to the BaZing Benefit Package (included in attached pages) or ask a FirstCapital Bank team member for further details. fee reductions for the BaZing Benefits Package are not available with PaySound Checking SmartSavings Auto- Transfer: SmartSavings Auto- Transfer is an account feature available to be added to any FirstCapital personal checking account upon provides a $1.00 auto credit transfer from an identified personal checking account into your First Regular Savings account, in conjunction with each debit card transaction processed through the checking account. This transfer may possibly overdraw the personal checking account if the balance in the checking account falls below $1.00; normal overdraft fees would apply. This feature may be terminated at any time by contacting the Deposit Operations Department, FirstCapital Bank of Texas, N.A. at 844- FCB- TEXAS ( ), or by requesting termination in writing to Deposit Operations, FirstCapital Bank of Texas, N.A S. Soncy Road, Amarillo, TX

7 BaZing Benefit Package Consumer Deposit Accounts Overview $4.95 monthly fee for BaZing Benefits Package that can be reduced down to $0!* BaZing Benefit Package is available as an add- on package for some accounts and includes: 2 Free boxes of checks per calendar year**, free cashier s checks and free single signature Traveler s Cheques Free domestic wire transfers Complimentary custom debit card*** Access to BaZing App and Website: ü Identity Theft Protection, including recovery, restoration and Payment Card Protection ü Cell phone protection plan ü Roadside Assistance ü Discounts on travel, entertainment, dining and online shopping ü Health benefits, including pharmacy, eye care and hearing ü Accidental Death Insurance coverage *Debit Swipe Fee Reduction is a $.15 cent credit for each point- of- sale debit card swipe limited to the full amount of the $5.00 monthly fee for the add- on BaZing Benefit Package. Monthly fee can be additionally reduced by $1.05 for having statements delivered electronically by e- mail (estatements). Total fee reduction cannot exceed the $4.95 monthly fee. ** Selection includes bank stock checks only. You will be charged after the 2 nd box of checks. ***Your first custom debit card is free. You will be charged after the 1 st custom debit card. Replacement fee for a custom card is $14.95 ($10.00 debit card replacement fee plus a custom card fee of $4.95). NOTE: All BaZing benefits are provided by a third party vendor. All benefits, including insurance coverage, are provided by StrategyCorps in conjunction with Member Headquarters Association of which your financial institution sponsors. This sponsorship results in an association membership being provided to each eligible customer and any co- owner of their account. Benefits of this program are subject to change without notice. 7