Let First Texas Online be your on-ramp to the information highway. More and more, people are seeking the ability to control their banking needs on their terms and at their convenience.

First Texas Bank empowers its customers to complete their banking transactions whenever, wherever, and however they wish with First Texas Online. With point and click simplicity, even novice users can have immediate access to vital banking functions, 24 hours a day, 365 days a year including:

• Account information inquiry
• Statement retrieval
• Online funds transfers
• Online loan payments
• Transaction downloads
• Current transaction listing
• Product information

Q:	What is First Texas Online?
A:	Online Banking allows our customers a secure and convenient access to their accounts using the Internet anytime of the day, any day of the year. Some of the functions available with Online Banking are: Access and print information on all accounts including loans. Review and print transactions and statements. Confirm deposits, withdrawals and checks cleared. Transfer funds between accounts and make loan payments Download transactions to the leading financial software management programs.
Q:	Is it available now?
A:	YES!!! We have made the commitment to provide our customers with an effective, online banking product. Contact a Personal Banker today to receive your First Texas Online Customer ID and Password.
Q:	What do I need to access Online Banking?
A:	You will need a connection to the Internet, and a Web Browser which supports 128-bit SSL encryption. Netscape Navigator 3.0 up to 5.5 or Microsoft Explorer version 3.02 up to 5.5, both support this encryption. You may contact either of these vendors for a current copy of their browser. Online Banking works on any operating system that supports the browser listed above including, but not limited to, Windows 98, Windows 2000, Windows XP Home, Windows XP Pro. You also need accounts with our banks and an assigned Customer ID and Password.
Q:	Do I have to register to use Online Banking?
A:	Yes, a one-time application is required to sign up for Online Banking. Once this form is received by the bank with your signature and account information, we will issue a Bank ID number and a Password (personal identification number). Upon your first visit to the Online Banking site you will be asked to select a Password of your choice and that Password will be used whenever you access Online Banking.
Q:	How do I use Online Banking?
A:	After you enter your Password number on the first screen of Online Banking, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in and press the "submit" button. Any additional pages will have action buttons on them that lead you through your transaction. (For more detailed information, please visit the First Texas Online Banking Demo).
Q:	What if all my accounts do not appear on my account list?
A:	You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call customer service to have it added.
Q:	How current is the information about my accounts?
A:	Account transactions and balances are as of the close of business the previous day.  Some items that have been received but not yet posted to your account may show as "pending".  These transactions will post to your account at the close of business on that day.
Q:	Can I change my Customer ID and Password?
A:	Yes, you can change your Customer ID and Password as often as you want. Simply click on "Account Management" and follow the simple instructions. The Customer ID cannot begin with a number but may include a number.
Q:	What if I enter the wrong Customer ID or Password?
A:	For security purposes, three consecutive invalid sign-on attempts will "lock you out" of the system. If you are locked-out, you need to contact customer service and we will reset your Customer ID and Password.
Q:	What if I forget my Password?
A:	We do not have access to your Password once it has been changed. However, we can reset your Password back to your initial Password and you can then reset your own preferred Password. Just give us a call.
Q:	Will I continue to receive a paper account statement in the mail?
A:	Yes, we will mail a copy of your account statement at the regular intervals.
Q:	How many statements can I see online?
A:	You will be able to access and print your most recent statement. If you would like to review a longer history of transactions, you can also view a range of transactions between dates.
Q:	What if I get an error message?
A:	If you get an error message please make a note of the message, the error number and the time. Then simply call the bank and we will make every effort to resolve the issue as soon possible. If you have a problem that we did not address in this section, please call and we will be glad to personally answer your question.

With First Texas Cash Management, commercial customers are able to access comprehensive account information and have the ability to act on that information. ACH origination, ACH file uploads, balance reporting, statement retrieval, and account activity reporting throughout the day are tools that are available to business customers through First Texas Cash Management.

Protect your First Texas Bank Online banking account information
While First Texas Bank works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your First Texas Online banking account information is protected:

• Don't reveal your Customer ID or Password to anyone else. Your Customer ID and Password are designed to protect your banking information, but they will only work if you keep them to yourself.
• Change your First Texas Online Passwords frequently.
• Don't walk away from your computer if you are in the middle of a First Texas Online banking session.
• Once you have finished your First Texas Online banking session, sign off before visiting other Internet sites.

If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at (254) 634-2132.

Is First Texas Online banking private & secure?
First Texas Bank is committed to making your online banking experience safe and secure. We have taken many measures to ensure your privacy, including:

• Information Encoding
  We use the latest encoding technology to ensure that your private information cannot be intercepted. Encryption is a way to rewrite something in code, which can be decoded later with the right "key". When you request information about your accounts, the request is sent encrypted to First Texas Bank. We decode your request and send the requested information back to you in an encrypted format. When you receive the information, it is decoded so that you can read it.
• Personally Selected Account Names
  First Texas Bank does not display your account numbers over the Internet. Instead, we ask you to choose a "pseudo" name for each of your accounts.
• Individual ID & Password Information
  In order to access First Texas Bank's Online banking, you must enter a unique Customer ID and Password.
• Password Security System
  To keep unauthorized individuals from accessing your account by guessing your Password, we have instituted a Password security system. If your Password is entered incorrectly three consecutive times, the user is "locked out" of the system. If you have forgotten your password and have accidentally locked yourself out of your Online banking account, please contact Customer Service at (254) 634-2132.
• Additional Security Measures
  In addition to the above safeguards, we have sophisticated firewalls and an authentication process to ensure that only authorized individuals are allowed to enter our system.