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# Electronic Banking Disclosure

Last Updated: 27/07/2025

This Electronic Banking Disclosure explains how Texas Capital Bank (“we,” “our,” “us”) delivers digital banking services, the rights and responsibilities of customers using electronic channels, and the terms that govern electronic communications, transactions, and access to your accounts.

By using our website, online banking platform, or mobile app, you agree to the practices described in this disclosure.

# 1. Scope of Electronic Banking Services

Texas Capital Bank provides a range of digital and electronic services, including:

- Online Banking

- Mobile Banking

- Electronic Statements

- Digital Payments & Transfers

- Card Services

- Alerts & Notifications

- Account Management Tools

- Online Support and Secure Messaging

These services may be updated or expanded over time.

# 2. Accessing Electronic Banking

You can access your electronic banking services using:

- Your registered username and password

- Multi-Factor Authentication (MFA)

- Biometrics (where supported)

- Secure device verification

You are responsible for ensuring that your login credentials remain confidential and secure.

# 3. Security Responsibilities

To protect your account, you agree to:

- Keep your login details private

- Immediately update your password if compromised

- Use secure, updated devices

- Avoid accessing banking services on public or unsecured networks

- Inform us immediately of unauthorized access

Texas Capital Bank uses encryption, authentication controls, fraud monitoring, and other security technologies to protect electronic transactions.

# 4. Electronic Statements & Notifications

By using our services, you consent to receive:

- Electronic account statements

- Payment alerts

- Transaction confirmations

- Regulatory notices

- Product and service updates

You may request paper statements where legally allowed, though additional fees may apply.

# 5. Electronic Transactions

Electronic transactions processed through our digital channels include:

- Fund transfers

- Bill payments

- Card transactions

- Loan applications

- Account updates

- Mobile wallet payments

### Transaction Timing

Most transactions are processed in real time; however, some may take additional time depending on:

- Verification requirements

- Network availability

- Third-party processing

- Regulatory checks

We will notify you if your transaction fails, is delayed, or requires additional confirmation.

# 6. Customer Liability for Unauthorized Transactions

You must notify us immediately if you suspect:

- Unauthorized access

- Loss/theft of login credentials

- Fraudulent activity

- Unauthorized transactions

Failure to report promptly may increase your liability.

We may refund unauthorized transfers depending on:

- The circumstances of the incident

- Timeliness of your report

- Applicable regulatory rules

- Fraud or negligence investigation outcomes

# 7. Bank Liability

Texas Capital Bank is responsible for ensuring that:

- Electronic systems operate reliably

- Transactions are processed correctly

- Customer data is protected

- Errors are corrected promptly

We are not liable for losses resulting from:

- Customer negligence

- Device failure or outdated software

- Internet service interruption

- External system outages

- Force majeure events

# 8. System Downtime & Maintenance

Electronic services may be unavailable due to:

- Planned maintenance

- Security upgrades

- Unforeseen technical issues

- Third-party system outages

We aim to schedule maintenance during off-peak hours and will provide notifications when possible.

# 9. Fees & Charges

Certain electronic banking services may carry fees, such as:

- International transfers

- Card-related services

- Paper statement requests

- Currency conversions

A full schedule of fees is available on our website.

# 10. Electronic Communications Consent

By enrolling in digital banking, you consent to receive:

- Electronic agreements

- Account notifications

- Policy updates

- Support responses

- Verification codes (OTP/MFA)

You can withdraw consent; however, doing so may limit access to some services.

# 11. Ending or Suspending Access

We may suspend or terminate electronic access if:

- Required by law

- Fraud is detected or suspected

- Account misuse occurs

- Security risks are identified

- You violate our terms of service

You will be notified unless prohibited by law.

# 12. Updating This Disclosure

Texas Capital Bank may update this Electronic Banking Disclosure periodically.
Changes become effective immediately upon being posted to our website or app.

# 13. Contact Us

For questions, support, or to report unauthorized activity, contact us at:

Email: [email protected]

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