TERMS AND CONDITIONS OF USE

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE:

Welcome to the Town Center Bank web site ("Website"). Town Center Bank and its affiliates ("Town Center Bank" or "Bank") provide access to our Website and its products and services to you subject to the following Terms and Conditions of Use (the "Terms"). By accessing our Website, you consent to and accept the Terms and any amendments to the Terms.

Town Center Bank may revise the Terms at any time, without giving you prior notice, by updating this posting. You can review the most current version of the Terms at any time at: http://www.tcbtexasonline.com or through other notice to you. In addition, once you have registered for any Town Center Bank service or services available through our Website, you and Town Center Bank shall be subject to any applicable service agreements that you agree to at the time of registration for the service. You agree to review the Terms regularly, and your continued access or use of our Website will mean that you agree to any changes.

USE OF SITE

You are solely responsible for any fees associated with your access to the internet and our Website. To protect the security of your personal account information, Town Center Bank requires you to use a web browser that supports adequate security measures as determined from time to time by the Bank. The Bank is not responsible for any errors or failures of your equipment or internet service provider. As with all uses of the internet, you should use anti-virus software when accessing our Website. The Bank is not responsible for any computer virus or related problems that may be associated with your use of our Website or services. All products and services of Town Center Bank are subject to the terms and conditions of any applicable service agreements governing their use. Product offers, rates, terms, and other information are subject to change without notice. Town Center Bank restricts access to password-protected areas of our Website to authorized users only. If you are an authorized user, you are responsible for maintaining the confidentiality of your User ID and your Password and for all transactions conducted using your User ID and your Password. You agree to immediately notify Town Center Bank of any unauthorized use of your User ID and your Password or any other breach of security. For security reasons, you should not leave your computer unattended and you should always log out of our Website after using the services. Town Center Bank is not liable for any loss or damage arising from your failure to protect the confidentiality of your User ID and Password or your other security lapses.

CHILDREN USING OUR SITE AND OUR SERVICES

The safety of children is very important to Town Center Bank. Children should always ask a parent or legal guardian for permission before sending personal information to anyone online. We expect that children may visit our Website. We recommend that only the parent or legal guardian of a child under the age of 13 access our services, even when a deposit account has been established on behalf of the child.

PRIVACY POLICY

Town Center Bank reserves the right to place a "cookie" or similar text file on your computer to record preferences you have entered and to modify our Website accordingly. The privacy policies of other businesses providing any of the services and products on our Website may be different than those of Town Center Bank and you should review those policies before engaging in a transaction or providing any personally identifying information to such businesses.

COMMUNICATIONS

Anything transmitted to Town Center Bank through our Website are not confidential and are deemed to be Town Center Bank's property. These may be used for any purpose we deem appropriate. E-mail is not confidential or secure. Town Center Bank is not responsible for any damages in connection with an e-mail you send or an e-mail Town Center Bank sends to you at your request. You agree to provide true, accurate, current and complete information about yourself, if prompted by a registration form associated with our Website or one of the services, and to maintain and promptly update the registration data to keep it true, accurate, current and complete. Town Center Bank reserves the right to verify any personal information you provide and the right to make inquiries about you with regard to a request by you or a co-signer for a product, service, or customer assistance. If you provide any information that is untrue, inaccurate, not current or incomplete, or Town Center Bank has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Town Center Bank has the right to suspend or terminate your access to our Website and refuse any and all current or future use of the services (or any portion thereof).

COPYRIGHT/TRADEMARKS

This Website is owned and operated by Town Center Bank, or others as indicated. All of the material displayed on this Website, including the images, design, look and feel, photographs, audio, page headers, software, buttons, video, other icons, graphics, text, screens, and web pages and the selection and arrangement thereof ("Content") is either the property of Town Center Bank or is displayed by way of a license from the material's owner. Town Center Bank, or others as indicated, also owns the trademarks, service marks, registered service marks, or registered trademarks and logos ("Marks") displayed on our Website. You agree not to use the Content or Marks for any purpose without the express written consent of Town Center Bank or the third party that may own the Content or Marks.

LINKING

You may link to the Town Center Bank home page, but are not authorized to link to any other page on our Website without Town Center Bank's prior express written consent. You may not use any of Town Center Bank's Marks or Content in your links. You may not link in any manner reasonably likely to 1) imply affiliation with or endorsement or sponsorship by Town Center Bank; 2) cause confusion, mistake, or deception; 3) dilute Town Center Bank's Marks; or 4) otherwise violate state or federal law. No person may link to our Website from any web site not owned or sponsored by Town Center Bank without first notifying Town Center Bank of the intention to create such link and obtaining Town Center Bank's written permission. No web site linking to this Website may frame or border this Website with the content of the linking site visible in the same window without Town Center Bank's express written permission. Any use of materials on this Website without the prior written consent of Town Center Bank other than as expressly set out herein is prohibited.

THIRD PARTY CONTENT, PRODUCTS AND SERVICES

Town Center Bank may provide you with links to internet web sites maintained by third parties. Town Center Bank does not control such third parties and does not operate, control or endorse in any respect any information, products or services on such third party web sites. Your use of third party content or purchase of third party products or services is at your own risk.

NO WARRANTIES

TOWN CENTER BANK PROVIDES THIS WEBSITE, ALL CONTENT AND THE PRODUCTS AND SERVICES OFFERED FOR SALE ON THIS WEBSITE TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. TOWN CENTER BANK DISCLAIMS ANY AND ALL SUCH REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SECURITY, ACCURACY, ACCESSIBILITY, NON-INTERRUPTION AND NONINFRINGEMENT. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS. YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM STATE TO STATE.

EXCLUSION OF DAMAGES; LIMITATIONS ON LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW

TOWN CENTER BANK SHALL NOT BE LIABLE TO YOU OR OTHERS FOR ANY DIRECT, COMPENSATORY, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL OR OTHER DAMAGES OF ANY KIND ARISING OUT OF OR RELATED TO THE TERMS, THIS WEBSITE OR THE SERVICES, EVEN IF TOWN CENTER BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IF, NOTWITHSTANDING THE OTHER PROVISIONS OF THE TERMS, TOWN CENTER BANK SHOULD HAVE ANY LIABILITY TO YOU ARISING OUT OF OR RELATED TO THE TERMS, THE SITE OR THE SERVICES, YOU AGREE SUCH LIABILITY SHALL NOT EXCEED $1,000. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. THIS CLAUSE GIVES YOU SPECIFIC LEGAL RIGHTS. YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM STATE TO STATE.

INDEMNIFICATION

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE TO RELEASE, INDEMNIFY, DEFEND AND HOLD HARMLESS TOWN CENTER BANK FROM AND AGAINST ALL DAMAGES, CLAIMS, LIABILITIES AND EXPENSES (INCLUDING ATTORNEYS' FEES) BROUGHT BY ANY PERSON ARISING FROM OR RELATING TO YOUR ACCESS AND USE OF THIS WEBSITE, INCLUDING WITHOUT LIMITATION ANY CLAIMS ALLEGING FACTS THAT IF TRUE WOULD CONSTITUTE A BREACH BY USER OF THESE TERMS AND CONDITIONS.

LAWS AND REGULATIONS

The Terms constitute the entire agreement between you and Town Center Bank with respect to your access to our Website and governs your use of our Website, superseding any prior agreements between you and Town Center Bank. You agree that Texas law, without regard to conflicts of law principles, shall govern your access to and use of this Website, except to the extent such laws are preempted by federal law or regulation. You and Town Center Bank agree, to the maximum extent permitted by applicable law, to submit to the personal and exclusive jurisdiction of the state or federal courts located within Dallas County, Texas and to venue in Dallas, Texas. Unless otherwise specified, this Website is controlled and operated by Town Center Bank from its offices within the state of Texas. Town Center Bank makes no representation that materials in our Website or the services are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. Town Center Bank reserves the right to seek all remedies available at law and in equity for violations of these terms and conditions, including the right to block access from a particular Internet address to our Website. This Website is intended for use only in the United States or other jurisdiction that would recognize the choice of law and choice of jurisdiction provisions made herein. The failure of Town Center Bank to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. You agree that regardless of any statute or law to the contrary, you must give us notice of any claim or course of action (a "Claim") arising out of or related to use of our Website within one (1) year after you became aware of the material facts and circumstances giving rise to such Claim and any Claim must be filed within two (2) years after such claim arose or be forever barred.