C om mercia l Accou nt C onversion Gu ide

Wel com e to Pl a i nsca pita l Ba n k C om mercia l Accou nt C onversion Gu ide W hat you need to k now

Welcome to PlainsCapital Bank! We look forward to getting to know you. At PlainsCapital Bank, we strive to efficiently serve your financial needs and to make every experience you have with us an enjoyable one. PlainsCapital Bank is a large community bank with a 27-year history of strength and stability. We attribute our soundness to the caliber of our leadership team, the expertise of our bankers, and the loyalty of our customers. That loyalty speaks volume-it says that we always have our customers best interests at heart. Beginning in April, you will have access to PlainsCapital Bank s 70 branch locations across Texas as well as new products and services including value-added deposit Jerry L. Schaffner President & CEO PlainsCapital Bank accounts and advanced online and mobile solutions. Although we offer all the sophisticated services you d expect to find at a large national bank, we never lose sight of what our business is really all about working closely with you to help you achieve your financial goals. From April 10 through 13, we ll be converting your former Southwest Securities, FSB products and services to those of PlainsCapital Bank. In this guide, you ll find information on the conversion, including important dates and details about our deposit accounts, loans, and online and mobile banking offerings. Please take time to review the guide carefully. We know you may have questions during and after the conversion, and we re ready to help. If you need assistance, please don t hesitate to call us at 866.762.8392 or visit your local branch. Thank you for your patience during this transition. We look forward to being your financial partner and providing you with service beyond expectations! Sincerely, Jerry L. Schaffner

TABLE OF CONTENTS What You Can Expect Conversion Checklist Online Banking Bill Pay Mobile Banking Commercial Checking Business Money Market Business Certificates of Deposit Treasury Management Debit Cards Business Loans and Credit Account Transfers What You Need to Know About Overdrafts Safe Deposit Boxes Checks and Routing Numbers Statements Voice Banking Frequently Asked Questions Business Plus Treasury Fee Schedule 3 4 5 7 8 9 11 11 11 13 13 13 14 14 15 15 16 16 18 IMPORTANT DATES The Conversion of Southwest Securities, FSB (SWS, FSB) to PlainsCapital Bank will begin at 6 p.m. (Central Time) on Friday, April 10 and is scheduled to be completed by 8 a.m. on Monday, April 13. Please note the following important dates and deadlines. APRIL 3 AT 12 P.M. (NOON) Last bill pay processing date. Former SWS,FSB bill pay is retired and no bills will be paid after this date. (More information on Page 7). APRIL 10 AT 3 P.M. Deadline to submit ACH transactions, wire transfers and Online Banking account transfers. Online Banking goes into view-only mode. APRIL 12 AT 7 P.M. Former SWS, FSB Online Banking and Voice Banking are retired. APRIL 13 AT 8 A.M. Your new PlainsCapital Bank accounts are live! You may access your new Online Banking and sign up for Bill Pay, Mobile Banking, and Voice Banking services. April 2015 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 29 30 31 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 JUNE 30 AT 5 P.M. Deadline to get $100 off replacement checks featuring the PlainsCapital logo and routing number. 26 27 28 29 30 1 12 2

WHAT YOU CAN EXPECT Please see below for a quick summary of what s changing and what s not during conversion weekend. WHAT'S NEW OR CHANGING WHAT'S NOT CHANGING The features of your deposit accounts. You ll enjoy brand new deposit account types with PlainsCapital. See pages 9-11 The PlainsCapital Routing Number. PlainsCapital Bank s Routing and Transit number is 111322994, but the SWS, FSB routing number will continue to be accepted. See page 15 Your new PlainsCapital Debit Card. SWS, FSB debit cards will be deactivated on April 13. New PlainsCapital Bank Debit Cards will be mailed starting March 30. Your Online Banking login location. Starting April 13 visit PlainsCapital.com to log in to Online Banking. See pages 5-6 Your Online Banking password. You ll create a new password the first time you log in to PlainsCapital Online Banking. See pages 5-6 Your Online Banking Account Transfers. Fund transfers you established in Internet Banking will need to be re-entered in PlainsCapital Bank Online Banking. See page 6 Your Bill Pay payees. You will need to re-create all of your payees in the PlainsCapital Bill Pay system. See page 7 Your Bill Pay date selection. You can now choose the date you want funds to leave your account. See page 7 Your Current Debit Card. Continue to use your current SWS, FSB debit card through April 12. Your deposit account numbers. Your account numbers won t change (unless we ve informed you otherwise). Your loan account numbers. Your account numbers won t change (unless we ve informed you otherwise). Your accounts remain FDIC insured. All PlainsCapital deposit accounts remain insured by the FDIC up to the maximum amount allowable by law. Your Online Banking login ID. Your login ID won t change (unless we ve informed you otherwise). See pages 5-6 Your recurring account transfers. Funds transfers established by bank representatives will move seamlessly to PlainsCapital. See page 13 Your statement delivery. You ll continue to receive your monthly account statements the way you prefer: paper or estatements. See page 15 Same great customer service. You ll continue to get the same great service you ve come to expect from your bank. New Mobile Banking App. You ll have access to PlainsCapital s Mobile Banking App for iphone, ipad, and Android phone and tablet devices. See page 8 The Voice Banking phone number. Update your contacts to reflect the PlainsCapital Voice Banking number: 866.762.7782. See page 16 3

CONVERSION CHECKLIST BEFORE CONVERSION BEGINS Carefully read the cover letter included with this booklet, and review your recommended account types in the comparison charts on pages 9-11. If you would like to select a different account type for any of your services with us, just visit any former SWS, FSB branch. Retain or print your SWS, FSB account statements. Be sure to print or download your Bill Pay history payee and payment for your records as this information will not be transferred to PlainsCapital Bill Pay. Verify/update your email in online banking before April 10. A valid email address will be required for authorization during your first-time login to PlainsCapital Online Banking on or after April 13. All Online Banking transactions must be completed by 3 p.m. on April 10. Online Banking will be available in view-only mode during conversion weekend. Any recurring or future-dated account transfers will not be converted. Schedule all Bill Payments to be paid by April 3. Bill Pay will be retired at 12 p.m. noon on April 3. On April 13 please register for Bill Pay with your new PlainsCapital Account. See page 7 for details. DURING CONVERSION WEEKEND If you have any questions, please contact Customer Service at 866.762.8392. We will be available to assist you with extended hours of operation from 9 a.m. to 5 p.m. on Saturday, April 11. You will have view-only access to your accounts in Online Banking through 7 p.m. on Sunday, April 12 AFTER CONVERSION Try out your new account types for 30 days. If you re unhappy with the features of your new account, just choose a different account from the options listed on pages 9-11 and call 866.762.8392 or visit any PlainsCapital Bank branch. If you have any questions, please call Customer Service at 866.762.8392 during normal business hours, Monday thru Friday from 8 a.m. to 6 p.m. and Saturday from 9 a.m. to 1 p.m. Update your Voice Banking contact number to 866.762.7782. See page 16 for details. If you are an Online Banking user, update your Online Banking web bookmark to www.plainscapital.com. Log in to your new PlainsCapital Online Banking on or after Monday, April 13 and take a moment to verify any scheduled account transfers. See pages 5-6 for details on how to log in and where to find help. If you are a Bill Pay user, log in to PlainsCapital Bank Online Banking on or after Monday, April 13, and re-enter your Bill Pay payees. Remember to schedule any recurring payments you had scheduled previously. See page 7 for more information. Begin using your new PlainsCapital Debit Card. All SWS, FSB debit cards will be deactivated on April 13. If you did not receive a new PlainsCapital Debit Card by April 10, call us immediately at 866.762.8392. See Page 13 for details. 4

ONLINE BANKING If you re a SWS, FSB Online Banking user, please note that the deadline to schedule new transfers in your SWS, FSB Online Banking profile is 3 p.m. on April 10. At that time, Online Banking will switch to "View Only" mode you'll have access to view balances, history and statements only. Fig. 1 Your transition to PlainsCapital Online Banking will be simple and seamless. Below are detailed instructions to help you log in for the first time. YOUR FIRST LOGIN Unless you ve heard otherwise from us, your Online Banking username will remain the same. The first time you log in to PlainsCapital Online Banking on or after April 13, 2015, you ll need to verify your identity with a Secure Access Code and create a new password. A Secure Access Code is a one-time use code that allows you to authenticate your identity and securely log in to Online Banking. We ll deliver your unique Secure Access Code to you instantly via email, phone call or SMS text based on the information you have on file with us. Please follow these steps for your first-time log in: 1. Navigate to PlainsCapital.com and locate the Online Banking Login box (see Fig. 1). 2. Input your current username in the field provided and leave the password field blank. 3. Check the box for First-time Log In and press Log In. 4. Choose how you d prefer to receive your one-time Secure Access Code via email, phone or SMS text message and click Submit (see Fig. 2). Please note: If your contact information is not up-to-date, please contact us at 866.762.8392 to provide updated information. 5. Once you receive your Secure Access Code, enter it in the field provided. Click Continue (see Fig. 3). 6. Finally, you ll be prompted to update your profile (see Fig. 4) and create a new password (see Fig.5). Please note that the next time you log in you should use your new password, and you'll be prompted to register your computer. If you re using a private computer, you can choose activate my computer for future use which authorizes us to store a security certificate on your computer and will eliminate the need to use a Secure Access Code during each login. If you re using a public computer, for security purposes don t activate the computer for future use. You ll only need to enter a Secure Access Code when you use a different computer to log in or if you delete the security certificate or cookie that we ve stored on your computer. As a reminder, never share your username or password with anyone. Fig. 2 Fig. 3 Fig. 4 Fig. 5 5

ONLINE BANKING FEATURES PlainsCapital Online Banking provides secure online access to your account information anytime 24/7 at PlainsCapital.com. With Online Banking, you can: Check account balances Verify transactions, deposits and withdrawals View current and past account statements View processed check images for the current statement cycle Transfer funds between accounts Set up a savings plan with automatic transfers Request stop payments Reorder checks Download transaction history into Quicken or Quickbooks Any recurring or future-dated account transfers will not be converted. On or after April 13, please take a moment to log in to your new PlainsCapital Online Banking and re-establish your account transfers. PlainsCapital offers Express Web Connect and Web Connect for Quicken and Quickbooks Online users. Quickbooks users utilizing Direct Connect will need to export their history from online banking and import it into Quickbooks. If you have any questions or would like to enroll in Online Banking, please visit PlainsCapital.com, stop by any branch location, or call us at 866.762.8392 on or after April 13. 6

BILL PAY If you are a SWS, FSB Bill Pay user, please schedule all payments to be made by April 3 at 12:00 p.m. noon (Central Time). Please delete any payments, including recurring payments, scheduled to be made after April 13 in order to avoid duplicate payments. This includes payees, scheduled payments, and recurring payments. Because we operate a different Bill Pay system, you will need to re-register all of your prior bill payments in PlainsCapital Bank Bill Pay. This includes payees, scheduled payments, and recurring payments. SCHEDULING BILL PAYMENTS There will be a few changes to how your bill payments are processed and debited from your account. With SWS, FSB Bill Pay, you selected the Pay Date or the date you wanted your payment to arrive. With PlainsCapital Bill Pay, you ll schedule your payments based on the Processing Date or the date that the full amount of electronic payments will be debited from your account. The estimated arrival date of your payment will be displayed based on the processing date you select. For electronic payments, allow two days from the processing date for payments to arrive in your biller s account. Allow three to five days for check payments to arrive. Processing Date Account debited; Schedule bill payment online before 3 p.m. Business Day 1 Bill payment is sent through ACH Business Day 2 Payment arrives at destination bank HELP WITH BILL PAY If you need assistance with PlainsCapital Bill Pay, please call our dedicated Bill Pay customer service with any questions at 877-268-3930. Representatives are available to assist you Monday through Friday from 6:30 a.m. to 1:00 a.m. (Central Time) on or after April 13. READY TO TRY BILL PAY? If you re not a Bill Pay user, now is a great time to enroll in PlainsCapital Online Banking and Bill Pay. With Bill Pay, you ll enjoy secure, 24/7 online access to: Pay your monthly bills Transfer funds to accounts at other banks Send Person-to-Person (P2P) payments to anyone, regardless of where they bank Track and view payment history online Store bill payee information Schedule payments up to a year in advance Receive ebills electronically Access Bill Pay through Mobile Banking If you re ready to enroll in Bill Pay you can sign up through PlainsCapital Online Banking on or after April 13. Or just give us a call at 866.762.8392 or stop by any branch location on or after April 13. 7

MOBILE BANKING With PlainsCapital Bank s Mobile Banking App, you can bank on-the-go with your iphone, ipad, or Android phone or tablet. On or after April 13, please download the PlainsCapital Mobile Banking App free from the App Store or Google Play. To access Mobile Banking, you must be enrolled in Online Banking. Be sure to log in to PlainsCapital Online Banking and establish your new password before attempting to log in to Mobile Banking. Use your Online Banking username and password to log in to Mobile Banking. Please note: You ll need to authenticate your identity with a Secure Access Code to register your mobile device for future use. MOBILE BANKING FEATURES Accessing your account information and making transactions is easier and more secure than ever with PlainsCapital Mobile Banking. From your mobile device or tablet, you can quickly: View account balances and transaction history Pay bills with Mobile Bill Pay Deposit checks with Mobile Deposit (for eligible customers) Establish and review funds transfers View and send secure messages and review account alerts Find nearby PlainsCapital Bank branches and ATM locations Call PlainsCapital Bank Customer Service See what s new at PlainsCapital Bank via our Facebook feed MOBILE BILL PAY Mobile Bill Pay allows you to access your Bill Pay account via the PlainsCapital Mobile Banking App. You can submit bill payments and make Person-to-Person (P2P) transfers on-the-go from your mobile device or tablet. For your security, you must be enrolled in Bill Pay to access Mobile Bill Pay. Payees must be established in Bill Pay within Internet Banking before they will be viewable in Mobile Bill Pay. MOBILE DEPOSIT With Mobile Deposit, eligible and enrolled PlainsCapital Bank customers can deposit checks on-the-go through PlainsCapital Bank s Mobile Banking App. Mobile Deposit uses the camera on your mobile device to capture pictures of the front and back of your check so you can make a deposit anytime, anywhere. For information on eligibility and enrollment in Mobile Deposit, please visit PlainsCapital.com/Mobile. 8

COMMERCIAL CHECKING Based on your SWS, FSB checking account type and your recent transaction and balance history, we ve done our best to recommend the PlainsCapital Bank commercial or business checking account that we think best suits your business needs. Please refer to the cover letter included with this guide for the specific PlainsCapital Bank checking account type(s) recommended to replace your SWS, FSB checking account(s). Below you ll find a chart with details on the PlainsCapital Bank commercial and business checking account options available to you. You re free to select the account that best matches your business' unique needs. If you d prefer to choose a different account type than the one we ve recommended, just let us know. Stop by any former SWS, FSB branch through April 10. Or give us a call at 866.762.8392 on or after April 13 and we ll be happy to update your account type. For current checking account rates, please visit PlainsCapital.com/Rates or your nearest branch location. Account Best if Your Business Has... Minimum Daily Balance to Avoid Monthly Fee Monthly Fee Minimum Opening Deposit Interest Earnings Credit to Help Offset Fees Commercial All Access High balances, high volumes, and sophisticated treasury management needs None $17 $100 None; Sweeps available 2 Included Business Plus Moderately high balances, moderately high volumes, and some treasury management needs None $12 $100 None; Sweeps available 2 Included Business Interest Basic banking needs, no treasury management needs, and a desire to earn interest $1,500 $10 if minimum balance not met $1,500 Flat rate on balances $1,500 and over None Business Free Basic banking needs, lower volumes, and no treasury management needs None None $100 None None 1 Standard data fees from your mobile provider apply. 2 Sweep fees apply. Not FDIC-Insured. May lose value. No bank guarantee. 3 Each additional bill pa $1,000 in cash deposited is $1. 5 The fee for each additional: deposited item is $0.20; non-card transaction is $0.50; $1,000 in cash deposited is $1. 6 Each a 9

PlainsCapital Bank gives you the tools you need to manage your business checking account. Enjoy the following features on us no matter which account you choose. Business Debit Card Unlimited use of PlainsCapital Bank ATMs Access to Online, Mobile 1 and Voice Banking Unlimited debit card transactions FDIC insurance up to the maximum amount allowable by law Treasury Management Services Online Banking Access Monthly Bill Payments 3 Per Item Monthly Allowances Monthly Change Order Allowances Access to full suite of advanced services TreasuryHQ Speak with a PlainsCapital Bank Treasury Management representative for more information. Access to Treasury 1.0 and 2.0 packages; other services available TreasuryHQ 10 at no charge 200 deposited items, 100 non-card transactions, and $10,000 cash deposited 4 $10,000 currency and 10 coin rolls at no charge 6 None Basic Business Online Banking 10 at no charge 100 deposited items, 100 non-card transactions, and $5,000 cash deposited 5 $5,000 currency and 5 coin rolls at no charge 6 None Basic Business Online Banking 10 at no charge 100 deposited items, 100 non-card transactions, and $5,000 cash deposited 5 $5,000 currency and 5 coin rolls at no charge 6 yment, person-to-person payment, or external transfer is $1. 4 The fee for each additional: deposited item is $0.15; non-card transaction is $0.50; dditional $1,000 in currency beyond the monthly allowance is $0.50. Each additional coin roll beyond the monthly allowance is $0.08. 10

BUSINESS MONEY MARKET Your SWS, FSB Commercial Savings or Money Market account will be seamlessly converted to PlainsCapital's Business Money Market. Our Business Money Market allows you to earn a competitive interest rate while giving you easy access to your funds. Business Money Market Features $2,500 minimum opening deposit $2,500 minimum daily balance to avoid a $10 monthly fee Competitive, tiered interest rates Unlimited account access at PlainsCapital Bank ATMs Unlimited deposits Access to Online, Mobile and Voice Banking Six transactions per statement cycle, no more than three of which may be checks, point-of-sale and/or merchant check card transactions. Thereafter, a fee of $10 per withdrawal applies. BUSINESS CERTIFICATES OF DEPOSIT PlainsCapital Bank will honor the existing rate and terms on SWS, FSB Business Certificates of Deposit (CDs) until they mature. When you re ready to renew or if you are looking for a new CD now, PlainsCapital offers a variety of CDs to meet your financial needs. For current rates, please visit PlainsCapital.com/Rates or your nearest branch location. BUSINESS CD FEATURES All PlainsCapital Bank Business CDs include the following features. $1,000 minimum opening deposit Flexible terms from seven days to five years available at varying market rates Fixed and variable rates available Automatically renew or cash in at the end of the term TREASURY MANAGEMENT If you are currently enrolled in any of the following Treasury Management services, you will be contacted directly by your Treasury Management Representative to transition your services. If you have not been contacted by March 27, please let us know at 214.252.4005 or tmsupport@plainscapital.com. Online Wire Access Online ACH Access Positive Pay Remote Deposit Capture CD-ROM Statements Lockbox Services 11

For a complete online Treasury Management resource-including terms, local contact numbers, and training materials please visit our Treasury Management welcome page at PlainsCapital.com/TreasuryWelcomeGuide. We encourage you to visit this webpage and review the tutorials on each of our products prior to logging in to your new service(s). Once your Treasury Management services have been transitioned to PlainsCapital Bank, you will be able to log in and perform certain tasks ahead of our conversion date of April 10 to avoid disruption to your business processes after the change. Banklink will be unavailable for ACH, Wire, Remote Deposit Capture, and Positive Pay services after 3 p.m. on Friday, April 10; however, it will continue to be available in view-only mode for balances and transaction activity through 7 p.m. on Sunday, April 12. At that time the Banklink service will be discontinued. TREASURY MANAGEMENT CHECKLIST Once your service transition is complete: Log in and verify your user and product access For Supervisory (Administrator) Users, verify your company and user entitlements by clicking User Rights in the left-hand navigation. Note for Transaction Token Users: Only designated ACH and Wire transaction approvers will receive a new token upon your service transition. Tokens cannot be initialized until Monday, April 13. Please store your token and token packet safely until Monday, April 13. After March 30: Establish your Wire and ACH Templates. Unfortunately, ACH and Wire Transfer templates will not be carried forward; however, we will establish your new access prior to conversion weekend to allow you to: log in, verify enrollment details, and add your payment templates so that business can continue uninterrupted after system conversion. If you are unable to add your templates between March 30 and April 12, it is recommended that you print or save your existing templates from the Banklink system so that the information can be retrieved for later entry. IMPORTANT: While account numbers will be loaded into your online portal after March 30, they will not be available for balances, transactions, transfers, ACH, or Wire payments until 6 a.m. on April 13. Please continue to use your Banklink portal until 7 p.m. on April 12. On Monday April 13: Your new system is live and ready for use. Transaction Token Users: Follow the steps in your token packet to initialize your token. Only ACH and Wire payment approvers will receive a new token upon service transition. Log in and verify account balances and transaction details. History and check images will be available from May 2014 forward. Review search tools. Finding the information you need is easy using our online search tools. Please visit our welcome page to learn more. Establish your account alerts. Our TreasuryHQ Online Banking system has a variety of alerts to help you manage your accounts and your payments. Please visit PlainsCapital.com/TreasuryWelcomeGuide for more details and go to Alerts in the left-hand navigation when you are ready to begin. We are here to help! Please contact your designated Treasury Management Representative directly, call us at 214.252.4005, or email us at tmsupport@plainscapital.com for help with your new services. 12

DEBIT CARDS Your existing SWS, FSB debit card will continue to work as usual until April 13, when all SWS, FSB debit cards will be deactivated. New PlainsCapital Bank Debit Cards will be mailed starting March 30. You should receive your new debit card no later than April 10. If you do not receive your debit card by this date, please call us immediately at 866.762.8392 or stop by any PlainsCapital Bank branch on or after April 13. Please activate your new PlainsCapital Bank Debit Card upon receipt, but continue to use your SWS, FSB card until April 13. Your PlainsCapital Bank Debit Card will not work until that date. All PlainsCapital Bank business debit cards provide the same easy access to cash you re accustomed to at ATMs, plus the flexibility to make purchases at millions of merchant locations worldwide including restaurants, hotels and online retailers. BUSINESS LOANS AND CREDIT If you have business loans or lines of credit with SWS, FSB, you will receive a letter outlining any changes to the terms and conditions of your account soon. LOAN NUMBERS Unless you ve heard otherwise from us, your loan number will remain the same. LOAN PAYMENTS After conversion, you'll begin to receive billing statements from PlainsCapital Bank for your loan or line of credit. Please make your loan payments per the billing statements. If you established automatic payments for your loan, those will be automatically transferred to PlainsCapital. You'll no longer need to use your previous loan coupon book. If you'd like to request a new coupon book, please call Customer Service at 866.762.8392. If you have any questions about your business loan, please contact your loan officer directly or stop by any PlainsCapital Bank branch for assistance. CREDIT CARDS Please continue to use your SWS, FSB credit card as usual. You may continue to make credit card payments as usual. ACCOUNT TRANSFERS If a branch representative established scheduled funds transfers between your accounts for overdraft protection, safe deposit box payments, IRA payments, or interest payment transfers, your transfers will be seamlessly transitioned to your new PlainsCapital account. If you established funds transfers through Online Banking, the deadline for transfers is 3 p.m. on April 10. You will need to re-establish any future or reoccurring transfers in your new PlainsCapital Bank Online Banking on April 13. 13

WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS PlainsCapital Bank offers two options for overdraft coverage. Please review the following information for important details about your overdraft options. After 30 days, if your account meets the account eligibility requirements, a Discretionary Overdraft Privilege limit will be assigned to your account. You will be presented with the opportunity to opt-out of the Discretionary Overdraft Privilege Service through a future mailing, or you may opt out by visiting any of our branch locations. WHAT IS AN OVERDRAFT? An overdraft occurs when you do not have enough money in your account to cover a transaction, but the Bank pays the transaction on your behalf. WHAT ARE MY OVERDRAFT OPTIONS? We can cover your overdrafts in two different ways: We offer overdraft protection transfers. If your account is overdrawn, funds can automatically be transferred from a linked savings account or personal line of credit. There is no charge to sign up for overdraft protection transfers, and you ll only pay for it if you use it. For each day on which a transfer occurs to cover overdrafts, a fee of $5 is charged. This is the least expensive way to cover a potential overdraft. We offer Discretionary Overdraft Privilege Service. WHAT IS DISCRETIONARY OVERDRAFT PRIVILEGE SERVICE? With this privilege, if your account is overdrawn we may pay your overdraft items up to a set limit, which is generally $1500 for eligible commercial checking accounts. Overdraft payments for authorized transactions are made at our sole discretion. If we do not authorize or pay an overdraft, your transaction will be declined or your item will be returned unpaid. We may authorize and pay overdrafts for checks you write and transactions made using your checking account number. HOW CAN I LEARN MORE ABOUT OVERDRAFTS? For more information including details on the order in which we process items, please review the Commercial Deposit Account Agreement and Services Disclosure included with this guide, stop by any PlainsCapital Bank branch, or call us at 866.762.8392. SAFE DEPOSIT BOXES If you have a safe deposit box at a SWS, FSB branch location, rest assured there will be no changes to your box. Your annual rent will remain the same for your current term. Please see the enclosed Deposit Account Agreement and Services Disclosure for a full list of Safe Deposit Box pricing. 14

CHECKS AND ROUTING NUMBERS After the conversion, your existing SWS, FSB business checks will continue to work as usual with your new account. The SWS, FSB routing numbers will be honored in the future. GET $100 OFF YOUR FIRST ORDER OF CHECKS For a limited time, as a special thank you for your business, we'd like to offer you $100 off your first order of commercial checks featuring the PlainsCapital Bank logo and routing number. Between April 13 and June 30, please contact any branch location or place your order directly with Harland Clarke, PlainsCapital's check printer, by calling 1.800.503.2345. Please use the PlainsCapital Bank Routing Number 111322994. Your new checks will feature the PlainsCapital Bank logo. If you have any questions or need assistance with your check order, stop by any PlainsCapital Bank branch on or after April 13 or call us at 866.762.8392. STATEMENTS If you currently receive your monthly account statements via paper mail, you ll continue to receive your statement at the mailing address on your account. If you ever need to retrieve an old statement, our staff can access your past statements. estatements If you are enrolled in estatements, you ll continue to receive your statements electronically through Online Banking and you'll continue to receive a notification via email when your statement is ready. You ll have access to all statements from November 2014 to present (or from the time you enrolled in estatements if it was after November 2014). Just be sure to log into your new PlainsCapital Online Banking at PlainsCapital.com when you re ready to access your statements. For statements prior to November 2014, please call 866.762.8392. NOT ENROLLED IN estatements? If you re not already enrolled in estatements, there s never been a better time to make the switch. With estatements, you can cut down on paper clutter and improve security. With estatements, you can: Receive an email notification when your monthly statement is available View your statements securely with PlainsCapital Bank's Online Banking Store your statements electronically in PDF format Access up to seven years of past statements beginning with the first statement after you enroll Print your statements whenever necessary If you have any questions regarding your PlainsCapital Bank account statements, or to enroll in estatements, stop by any branch or call us at 866.762.8392. 15

VOICE BANKING The SWS, FSB voice banking will be retired at 7 p.m. on April 12. Be sure to update your phone s contacts with the PlainsCapital Bank Voice Banking line starting April 13. Whether you're at home, at work or on the go, it's easy to access your account information any time 24/7 with Voice Banking. Just dial 866.762.7782 from any phone to: Check your current account balances Review posted transactions, deposits and withdrawals since May 1, 2014 Transfer funds between your accounts Report a lost or stolen debit card Reorder checks ACCESSING VOICE BANKING FOR THE FIRST TIME The first time you dial in to Voice Banking, you ll need to enter the last four digits of the primary accountholder's Social Security Number or Tax ID Number to verify your identity. Then, as an added layer of security, you ll need to create a new Personal Identification Number (PIN) to access your account information. Your PIN should be between four and eight digits in length. If you have any questions about Voice Banking or if you need assistance, please don t hesitate to press 0 to be transferred to a customer service representative during normal business hours, Monday thru Friday from 8 a.m. to 6 p.m. FREQUENTLY ASKED QUESTIONS When is conversion weekend? The conversion will take place April 10 at 6 p.m. through April 13 at 8 a.m. Will my business debit card work during and after conversion weekend? Yes. Your SWS, FSB debit card will be fully functional during conversion weekend. All SWS, FSB cards will be deactivated April 13, at which time you should begin using your PlainsCapital Bank Debit Card. Will ATMs work during conversion weekend? Yes. PlainsCapital Bank and former SWS, FSB ATMs will be functional during conversion weekend. How do I know what my new account type(s) will be? Based on your SWS, FSB checking account type and your recent transaction and balance history, we ve done our best to recommend the PlainsCapital Bank account(s) that we think best meet your needs. Please refer to the cover letter included with this guide for the specific PlainsCapital Bank account type(s) recommended to replace your SWS, FSB account(s). What if I prefer a different account type than the recommended account? No problem! You re free to select the account that best matches your business' unique needs. If you d prefer to choose a different account type than the one we ve recommended, just let us know. Stop by any PlainsCapital Bank branch on or after April 13 or give us a call at 866.762.8392 and we ll be happy to update your account type. Will my checks continue to work? Yes. Your SWS, FSB checks will still be honored on your new PlainsCapital Bank account. 16

What is PlainsCapital Bank s Routing and Transit number? PlainsCapital Bank s routing number is 111322994. When you order new checks, please use PlainsCapital s routing number. Until then, your existing checks with the SWS, FSB routing number will continue to work. How much account history from my SWS, FSB accounts will be transferred to PlainsCapital Bank? Your account history since May 1, 2014 will be transferred to PlainsCapital Bank and will be accessible via Online Banking, Voice Banking, Mobile Banking, and by our staff. Will my account number or loan number change? Generally no. Most customers will maintain their existing account and/or loan numbers. Only a very small number of customers will be issued a new account or loan number, and we ll be reaching out to those customers prior to the conversion. Will the interest rate on my deposit account change? All checking, savings and money market accounts will be paid PlainsCapital Bank s current posted rates after the conversion. CD rates will be honored through maturity. For current deposit account rates, please visit PlainsCapital.com/Rates or your nearest branch location. Will my Certificate of Deposit (CD) change? No. PlainsCapital Bank will honor the rate and terms on existing CDs you opened with SWS, FSB until they mature. Will my Online Banking username and password change? Unless you hear otherwise from us prior to conversion weekend, your Online Banking username will not change. You will need to create a new password the first time you log in to PlainsCapital Internet Banking. What is a Secure Access Code? A Secure Access Code is a one-time use code that allows you to authenticate your identity and securely log in to Online Banking. When you follow the first time login directions (see page 5), we ll deliver your unique Secure Access Code to you instantly via email, phone call or SMS text based on the information you have on file with us. Once you authenticate your identity, you ll have the option to activate your computer for future use which authorizes us to store a security certificate on your computer and will eliminate the need to use a Secure Access Code during each log in. (If you re using a public computer, for your security you should not activate the computer for future use.) What will happen to my recurring account transfers? Funds transfers established by bank representatives between accounts for overdraft protection, safe deposit box payments, IRA payments, or interest payment transfers will be seamlessly transitioned during the conversion. Funds transers you established in Online Banking should be re-created in PlainsCapital Online Banking after the conversion. What will happen to my Bill Payments? SWS, FSB's bill payment system will be retired effective 12 p.m. (Noon) on April 3. As of April 13, you will be able to enroll in PlainsCapital's Bill Pay system. Because this is a new system, you will need to re-enter all of your Bill Pay information. This includes payees and recurring payments. What is changing with scheduling Bill Payments? With SWS, FSB Bill Pay, you selected the Pay Date or the date you wanted your payment to arrive. With PlainsCapital Bill Pay, you ll schedule your payments based on the Processing Date or the date that the full amount of the payment will be debited from your account. The estimated arrival date of your payment will be displayed based on the processing date you select and the type payment your payee accepts (electronic ACH or check). Will I have access to my past account statements? 17

If you are enrolled in estatements, you ll have access to all statements from November 2014 to present (or from the time you enrolled in estatements if it was after November 2014). For statements prior to November 2014, please call 866.762.7782. If you receive paper statements, our staff can access all your past statements. What is the new number for Voice Banking? The PlainsCapital Bank Voice Banking line will be available to you starting April 13 at 866.762.7782. How do I access Mobile Banking? PlainsCapital Bank offers a Mobile Banking App for your iphone, ipad, or Android phone or tablet. Just visit the App Store or Google Play to download the app on or after Monday, April 13. You must be an Online Banking user to access PlainsCapital Mobile Banking, and you should use your Internet Banking login credentials. What is Mobile Bill Pay? Mobile Bill Pay allows you to access your Bill Pay account via the PlainsCapital Mobile Banking App in order to submit bill payments and make Person-to-Person (P2P) transfers on-the-go from your mobile device or tablet. How do I access Mobile Bill Pay? You must be enrolled in PlainsCapital Online Banking and Bill Pay to access Mobile Bill Pay. Once you re enrolled, Bill Pay will be accessible via your Mobile Banking App. Please note that you must establish your payees via Bill Pay in Online Banking before they will be accessible in Mobile Bill Pay. What is Mobile Deposit? With Mobile Deposit, eligible and enrolled PlainsCapital Bank customers can deposit checks on-the-go through PlainsCapital Bank s Mobile Banking App for iphone, ipad, and Android phone and tablet. Who is eligible for Mobile Deposit? For information on eligibility and enrollment in Mobile Deposit, please visit PlainsCapital.com/Mobile. BUSINESS PLUS TREASURY FEE SCHEDULE Treasury Packages (Per Item Fees Apply): Treasury 1.0 $100.00 $50.00 per account Treasury 2.0 $50.00 $100.00 per account Al a Carte: TreasuryHQ $10.00 per account HQ Positive Pay $20.00 per account HQ Positive Pay Items $0.10 $0.10 each Payee Match $20.00 $30.00 per EIN Payee Items $0.10 $0.10 each HQ Wire $20.00 per EIN HQ Wire Items $15.00 each HQ ACH $20.00 per EIN HQ ACH Items $0.15 $0.15 each DepositDirect (Single Feed) $50.00 per EIN 18

LOCATIONS PlainsCapital Bank has 70 locations in 30 cities across Texas to serve you. For a detailed list of branch and ATM locations, please visit PlainsCapital.com or download the PlainsCapital Mobile Banking App from the App Store or Google Play. Lubbock El Paso Fort Worth Dallas Eagle Pass San Antonio Laredo Corpus Christi Austin Houston McAllen Brownsville Rio Grande Valley Arlington Edinburg Lubbock Waxahachie Austin El Paso McAllen Weatherford Brownsville Fort Worth Mission Weslaco Cedar Park Frisco Olmito Corpus Christi Granbury Pharr Dallas Harlingen Port Isabel DeSoto Houston Round Rock Donna Lakeway San Antonio Eagle Pass Laredo The Woodlands PlainsCapital.com 866.762.8392 2015 PlainsCapital Bank Equal Housing Lender Member FDIC PCBPC021215