Personal Banking Pricing Schedule Effective JULY 2, 2013

Important News About Your Consumer Fees

Clarification and Addendum to Account Disclosure/Consumer Pricing Schedule Online Banking and Mobile Banking with Bill Pay Service provider rates and fees apply. Additional Bill Pay fees apply for expedited delivery options. Accounts must be enrolled in Online Banking. Amegy Essential Checking with Interest Benefits • Earn tiered interest • No monthly maintenance fee if: Primary account holder has a monthly spend of at least $700.00 on their active Amegy Personal Credit Card* or Maintain a minimum daily balance of $1500.00, or a daily combined balance with Amegy Household Checking accounts * Normal credit card finance charges may apply for revolving credit card balances that may exceed the account monthly maintenance fee. Credit card spend for the purposes of waiving your account maintenance fee is defined as net spend/purchases made on your personal credit card 30 days prior to your checking account statement cycle date. Spend from one credit card may only be used to waive fees on one checking account in which you are the primary owner of the credit card and checking account. Primary owner means your name is the first name listed on the account. If you have more than one checking account on which you are primary, the benefit will be applied to the account with the earliest opening date. Credit Card must be in good standing. Any changes made to the ownership or changes in the account status may affect how the credit card spend benefit is assigned.

Smart Yield Checking Account Requirements OR (Effective October 1, 2013) A $700.00 monthly net spend with your Amegy Personal Credit Card* * Normal credit card finance charges may apply for revolving credit card balances that may exceed the earned interest. Credit card spend for the purposes of qualifying your account balance is defined as net spend/purchases made on your personal credit card 30 days prior to your checking account statement cycle date. Spend from one credit card may only be used on one checking account in which you are the primary owner of the credit card and checking account. Primary owner means your name is the first name listed on the account. If you have more than one checking account on which you are primary, the benefit will be applied to the account with the earliest opening date. Credit Card must be in good standing. Any changes made to the ownership or changes in the account status may affect how the credit card spend benefit is assigned.

Thank you for banking with us. We appreciate your business. Please let us know how we can continue to make your banking life easier. For more information, please contact your Amegy Banker or a customer service representative. Our customer service team can be reached by dialing 713235-8810 (Houston), 214-754-9500 (Dallas), 210-3434500 (San Antonio), or 800-287-0301 and pressing “0” to speak to a representative.

© 2013 Amegy Bank N.A. Member FDIC. Equal Housing Lender. 07/2013

We make it worth your while to bank with us. For more information or current rates, feel free to stop by any of our banking centers, call us at 713-235-8810, 214-754-9500, 210-343-4500 or 1-800-287-0301 and press “0” for details, or visit us online at www.amegybank.com. Additional information regarding your account and rates are provided at account opening. Convenience services including free online and mobile banking allow you to access your accounts when you need it. Internet, mobile and text messaging service provider fees apply.

Checking Accounts Amegy Essential Checking Benefits

• No monthly maintenance fee with an average monthly balance of $500.00 or an active Amegy Personal Credit Card in good standing • One (1) Free Amegy Household Checking account (see product for details) • No per-check charge • Free Online Banking w/ Bill Pay • Free Mobile Banking w/ Bill Pay • Free eStatements • Free Visa® Debit Card w/ Purchase Alerts® • Return imaged checks for easy record keeping • Free Accessline (automated telephone banking)

Minimum Opening Balance

$50.00

Monthly Maintenance fee

$5.00

Minimum Average Monthly Balance (to avoid maintenance fee)

$500.00

Interest compounding/frequency of credit to account

None

Transaction limitations

None

An active credit card is defined as a credit card with spend/purchase transaction or a payment made on your credit card in the 30 days prior to the checking account statement cycle. An active card may only be used to waive the fee on one checking account in which you are the primary owner of the credit card and checking account. Primary owner means your name is the first name listed on the account. If you have more than one checking account in which you are the primary, the benefit will be applied to the account with the earliest open date. Amegy Household Checking (COMPANION ACCOUNT ONLY) Benefits

Minimum Opening Balance Monthly Maintenance fee

• No monthly maintenance fee for 1st Amegy Household Checking Account • No per-check charge • Free Online Banking w/ Bill Pay • Free Mobile Banking w/ Bill Pay • Free eStatements • Free Visa® Debit Card w/ Purchase Alerts® • Return imaged checks for easy record keeping • Free Accessline (automated telephone banking) $50.00 No fee for 1st, $5.00 per additional Amegy Household Account

Minimum Daily Balance (to avoid maintenance fee)

None

Interest compounding/frequency of credit to account

None

Transaction limitations

None

Account Requirements

Companion account only. Requires other open Amegy personal checking account. Only one (1) free Amegy Household Checking account.* If the Primary Account is closed, the related Amegy Household Checking account will be converted to an Amegy Essential Checking account and be subject to all product and balance requirements at the next statement cycle. *If the primary account holder has more than one Amegy Household Checking account, the maintenance fee waiver will apply to the account with the earliest opening date. In the event that there are multiple accounts with the same opening date, the account with the lowest account number will receive the waiver. Amegy Student Checking (Available only to students 16-23 years of age) Benefits

Low monthly maintenance fee or No monthly maintenance fee with a minimum average monthly balance or direct deposit of at least $250.00 • Six (6) free non-Amegy Bank ATM transactions per statement cycle. International transaction (out of the U.S.) fees will still apply. • No per-check charge • Free Online Banking w/ Bill Pay • Free Mobile Banking w/ Bill Pay • Free eStatements • Free Visa® Debit Card w/ Purchase Alerts® • Return imaged checks for easy record keeping • Free Accessline (automated telephone banking)

Minimum Opening Balance

$25.00

Monthly Maintenance fee

$2.00

Minimum Average Monthly Balance (to avoid maintenance fee) Interest compounding/frequency of credit to account Account limitations

$250.00 None Account will convert to an Amegy Essential Checking account and be subject to all product and balance requirements at the next statement cycle following the account owner’s 24th birthday.

Interest Checking Balance Computation Method: The daily balance method applies a periodic rate to the collected balance in the account each day. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items (for example, checks). Interest: Interest Day Base is 365/365, except in leap year 366/366. Rate is variable and may change at any time. Amegy Essential Checking with Interest Benefits

Minimum opening Balance Monthly Maintenance fee Minimum Daily Balance (to avoid maintenance fee) Interest compounding/frequency of credit to account

• Earn tiered interest • No monthly maintenance fee if: Primary account holder has a monthly spend of at least $700.00 on their active Amegy Personal Credit Card* or Maintain a minimum daily balance of $1500.00, or a daily combined balance with Amegy Household Checking accounts • One (1) Free Amegy Household Checking account (see product for details) • No per-check charge • Free Online Banking w/ Bill Pay • Free Mobile Banking w/ Bill Pay • Free eStatements • Free Visa® Debit Card w/ Purchase Alerts® • Return imaged checks for easy record keeping • Free Accessline (automated telephone banking) $50.00 $8.00 $1,500.00 Monthly/Monthly

Tiered Rates of Interest

$0-$2,499 $2,500 or more

Transaction limitations

None

*Credit card spend for the purposes of waiving your account maintenance fee is defined as net spend/purchases made on your personal credit card 30 days prior to your checking account statement cycle date. Spend from one credit card may only be used to waive fees on one checking account in which you are the primary owner of the credit card and checking account. Primary owner means your name is the first name listed on the account. If you have more than one checking account on which you are primary, the benefit will be applied to the account with the earliest opening date. Credit Card must be in good standing.

Smart Yield Checking®

Benefits

• No monthly maintenance fee with minimum average monthly balance of $500.00 • One (1) Free Amegy Household Checking account (see product for details) • Higher rates that are competitive with money market accounts • Six (6) free non-Amegy Bank ATM transactions per statement cycle. International transaction (out of the U.S.) fees will still apply. • No per-check charge • Free Online Banking w/ Bill Pay • Free Mobile Banking w/ Bill Pay • Free eStatements • Free Visa® Debit Card w/ Purchase Alerts® • Return imaged checks for easy record keeping • Free Accessline (automated telephone banking)

Minimum Opening Balance

$50.00

Monthly Maintenance Fee

$10.00

Minimum Average Monthly Balance (to avoid maintenance fee) Interest rate

Interest Compounding/ Frequency of Credit to Account Transaction limitations Monthly Statement Fee

$500.00 To earn the advertised or applicable APY please refer to Account Requirements below. • Tiered rates of interest: 1) The portion of your balance that is less than or equal to $25,000 each statement cycle: highest rate; 2) That portion of your balance greater than $25,000 each statement cycle: competitive rate; Blended rate: For accounts that meet the requirements, the APY will range between these two tiers depending on the balance in the account. 3) If Account Requirements below are not met each month: lowest rate on entire balance in the account. Monthly/Monthly None No fee with monthly eStatement delivery; $10.00 per month for paper statement delivery.

Account Requirements

To earn the advertised or applicable APY, the following product requirements must be met each month the business day before the statement cycle ends. All statements for this account will be generated on the last processing day of the month. Processing days do not include weekends and Federal Holidays. If the last processing day of the month is the 30th, product requirements must be met by the 29th. If the 30th is a Saturday, requirements must be met by the 28th. If any of the following requirements are not met each month the business day before the statement cycle ends, a lower APY will be paid on the entire balance for the statement cycle: (1) One (1) direct deposit of payroll, Social Security benefits or retirement benefits OR two (2) ACH Debits; (2) Must have an Amegy Bank Visa® Debit Card and have at least ten (10) net signature-based transactions posted to your account (Net signature based transactions posted equals signature based debits minus signature based credits. Does not include ATM transactions or purchases made using your PIN); OR (Effective October 1, 2013) A $700.00 Monthly Net Spend with your Amegy Personal Credit Card* (3) Enroll in Online Banking and log in at least one time per month; (4) Accept monthly eStatement delivery and turn off/opt out of paper statement delivery; and (5) A valid email address.

*Credit card spend for the purposes of waiving your account maintenance fee is defined as net spend/purchases made on your personal credit card 30 days prior to your checking account statement cycle date. Spend from one credit card may only be used to waive fees on one checking account in which you are the primary owner of the credit card and checking account. Primary owner means your name is the first name listed on the account. If you have more than one checking account on which you are primary, the benefit will be applied to the account with the earliest opening date. Credit Card must be in good standing.

Amegy Platinum Checking Amegy Platinum Checking is available exclusively to Private Banking and Wealth Management clients. This account is a three-tiered interest-bearing checking account designed for Private Banking and Wealth Management clients who keep large balances with Amegy. In addition to tiered interest rates, clients will also have the option to sweep excess balances to one of two investment accounts* as well as any personal money market account. Balance Computation Method: The daily balance method applies a periodic rate to the collected balance in the account each day. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items (for example, checks). Interest: Interest Day Base is 365/365, except in leap year 366/366. Rate is variable and may change at any time.

Benefits

• Free special designed Private Banking checks • Exclusive Private Banking Platinum Visa® Debit card with higher spending limits and Purchase Alerts® • Free incoming and outgoing wires • Free non-Amegy Bank ATM transactions. International transaction (outside of U.S.) fees will still apply. • Free stop payments • Free investment or money market account sweep options • Anytime Deposit scanner (Qualified clients subject to market pricing) • No per-check charge • Free Online Banking w/ Bill Pay • Free Mobile Banking w/ Bill Pay • Free eStatements • Free Accessline (automated telephone banking)

Minimum Opening Balance

$50.00

Monthly Maintenance Fee

$25.00

Minimum Average Monthly Balance (to avoid maintenance fee)

$25,000.00

Minimum Peg Balance to be eligible for sweep

$50,000.00

Sweep Fee Interest Compounding/ Frequency of Credit to Account Tiered Rates of Interest

Transaction Limitations

None Daily/Monthly $0 – $24,999 $25,000 – $99,999 $100,000 and greater None

Eligible for relationship pricing. If checking account does not meet minimum balance requirement, client may rely on a $75,000 combined (linked) average monthly balance of other checking, savings, money market and CD products to avoid the monthly maintenance fee. Available sweep products: Private Banking Fidelity Treasury* Private Banking Fidelity Tax Exempt* Amegy Personal Money Market Accounts *Amegy Bank N.A. acts as an agent when distributing a money market mutual fund. Although money market funds seek to maintain a stable net asset value of $1.00 per share, there can be no assurance that they will achieve their goal. Investment products offered are NOT insured by the FDIC or any other governmental agency, are NOT deposits or other obligations of, or guaranteed by, Amegy Bank N.A., its affiliates, or any other bank, and MAY be subject to investment risks, including the possible loss of principal value or amount invested.

Savings AND MONEY MARKETS Additional information regarding your account is included on the rate sheet provided at account opening. Balance Computation Method: The daily balance method applies a periodic rate to the collected balance in the account each day. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items (for example, checks). Interest: Interest Day Base is 365/365, except in leap year 366/366. Rate is variable and may change at any time. Transaction Limitations Transfers from a savings account or money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, debit card, or similar order to third parties are limited to six per 30-day statement cycle. By law, if the above limits are exceeded three (3) times in a twelve (12) month period, the account will be closed or changed to a different type of account. For purposes of the transaction limitation, we count Money Market checks as of the date we post them to your account, not as of the date you write them. You may make an unlimited number of withdrawals from your account in person, by ATM, or by mail or messenger. After repeated notifications of exceeding transaction limits, Savings accounts will be converted to a non-interest bearing account and Money Market accounts will be converted to the Essential Checking account and all respective account terms and conditions will apply. Some account types may have fees for withdrawals that exceed the set number specified in this brochure. Fees will reduce earnings.

Personal Savings Minimum Opening Balance Monthly Maintenance Fee Minimum Daily Balance (to avoid maintenance fee) Interest Compounding/Frequency of Credit to Account Excessive Debit Fee

$100.00 $4.00* $300.00 Monthly/Monthly $3.00 for each withdrawal after 6 per month

*No monthly maintenance fee with one (1) repeating automatic transfer from an Amegy checking account or a direct deposit of $25.00 or more, or maintain a minimum daily balance of $300. Young Savers Interest bearing account that is available for customers under the age of 18 and is designed to introduce young persons to savings. Minimum Opening Balance

$10.00

Monthly Maintenance Fee

None

Minimum Daily Balance (to avoid maintenance fee)

None

Interest Compounding/Frequency of Credit to Account Excessive Debit Fee

Quarterly/Quarterly $3.00 for each withdrawal after 6 per month

Not eligible for ATM withdrawal. Internet Savings (Available Online Only) Minimum opening balance   $1,000.00 Monthly maintenance fee                                                          

$12.00

Minimum Daily Balance (to avoid maintenance fee)      

$1,000.00

Minimum Daily Balance to Earn Interest

$1,000.00

Interest Compounding/Frequency of Credit to Account                Excessive Debit/Other Fees                                                                

Monthly/Monthly • $20.00 for each withdrawal after 6 per month • $5.00 fee for each customer assisted account transfer by phone in excess of three (3) per month.

Account Access                                                             

• Monthly eStatements are required and are provided automatically online within Online Banking; a fee of $10 per month will be charged for paper statements. To avoid the $10 monthly charge, you must complete the opt-out process within Online Banking at least two business days prior to your first statement cutoff date. • Free Online Banking. You will need a web browser such as Netscape 6.0 or Microsoft Internet Explorer 5.0 or higher that supports 128-bit encryption. • Free Accessline, telephone banking. • Transfer funds between your Amegy Bank accounts and your accounts at other financial institution within Online Banking. Transfers between Amegy accounts and incoming transfers from other financial institutions are FREE.  Outgoing external transfers are $2.50 per transfer.

Personal Money Market Minimum Opening Balance Monthly Maintenance Fee Minimum Daily Balance (to avoid maintenance fee) Interest Compounding/Frequency of Credit to Account Tiered Rates of Interest

Excessive Debit Fee

$100.00 $12.00 $2,500.00 Monthly/Monthly $0 – $9,999 $10,000 – $24,999 $25,000 – $49,999 $50,000 – $99,999 $100,000 – $249,999 $250,000 and over $20.00 for each withdrawal after 6 per month

Personal Money Market Plus Minimum Opening Balance Monthly Maintenance Fee Minimum Daily Balance (to avoid maintenance fee) Interest Compounding/Frequency of Credit to Account Tiered Rates of Interest

Excessive Debit Fee

$100.00 $15.00 $100,000.00 Monthly/Monthly  0 – $249,999 $ $250,000 – $499,999 $500,000 – $749,999 $750,000 – $999,999 $1,000,000 and over $20.00 for each withdrawal after 6 per month

Market Rate IRA Great retirement savings choice for customers who would like a liquid savings option for ultimate account flexibility. Minimum opening balance   $250.00 Monthly maintenance fee                                                          

N/A

Minimum daily balance requirement to avoid maintenance      

N/A

Interest Compounding/frequency of credit to account                Excessive Debit Fee                                                                 Tiered rates of interest                                                              

Monthly/Monthly $20.00 for each withdrawal after 6 per month $0-9,999 $10,000 - 24,999 $25,000 - 49,999 $50,000 - 99,999 $100,000 - $249,999 $250,000 and over

Maximum annual deposits are subject to IRS rules and limits.  Withdrawals before age 59 ½ are subject to penalty. Market Rate IRA is eligible to be enrolled in MyLife Retirement package.

Personal Internet Money Market (Available Online Only) Minimum opening balance   $1,000.00 Monthly maintenance fee                                                          

$12.00

Minimum Daily Balance (to avoid maintenance fee)      

$2,500.00

Minimum Daily Balance to Earn Interest

$1,000.00

Interest Compounding/Frequency of Credit to Account                Excessive Debit/Other Fees                                                                

Account Access                                                             

Monthly/Monthly • $20 for each withdrawal after 6 per month • $5 fee for each customer assisted account transfer by phone in excess of three (3) per month. • Monthly eStatements are required and are provided automatically online within Online Banking; a fee of $10 per month will be charged for paper statements. To avoid the $10 monthly charge, you must complete the opt-out process within Online Banking at least two business days prior to your first statement cutoff date. • Free Online Banking. You will need a web browser such as Netscape 6.0 or Microsoft Internet Explorer 5.0 or higher that supports 128-bit encryption. • Free Accessline, telephone banking. • Transfer funds between your Amegy Bank accounts and your accounts at other financial institutions within Online Banking. Transfers between Amegy accounts and incoming transfers from other financial institutions are FREE. Outgoing external transfers are $2.50 per transfer.

Time Deposits (CD) and Individual Retirement Accounts (IRA) Additional information regarding your account is included on the rate sheet provided at account opening. Balance Computation Method: The daily method applies a periodic rate to the collected balance in the account each day. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Substantial penalty for early withdrawal. Early Withdrawal Penalties: If the maturity of the time deposit is seven to 29 days or any portion thereof, the depositor will forfeit an amount equal to seven days simple interest on the amount withdrawn. Maturity of the deposit is at least 30 days but less than 1 year, or any portion thereof, the depositor will forfeit an amount equal to 30 days simple interest on the amount withdrawn. If the maturity of the time deposit is at least one year, but less than two years, or any portion thereof, the depositor will forfeit an amount equal to 90 days simple interest on the amount withdrawn. If the maturity is two years or more, the depositor will forfeit an amount equal to 180 days simple interest on the amount withdrawn. All bonus interest in excess of the stated rate of the time deposit earned or that could have been earned as a result of a promotional program will be forfeited. Penalty will be waived if depositor dies or is declared incompetent. Renewal Policy: The grace period for automatically renewing certificates is 10 calendar days. For certificates with terms of less than 30 days, the grace period is 3 calendar days. Renewal Terms: Changes to the term may be made during the grace period. Additions of the Account: Additions are not permitted on this account. Time Deposits (CD) Benefits Minimum Opening Balance Interest Compounding/Frequency of Credit to Account

• Competitive fixed rates • Multiple maturity options available $1,000.00 Monthly/Monthly

Personal Internet Time Deposit (CD)-Available Online Only Benefits   Minimum Opening Balance                                                       Monthly Maintenance Fee       Interest Compounding/Frequency of Credit to Account                Terms                                                                 Account Access                                                             

Competitive fixed rates $1,000.00 None Monthly/Monthly • 3-month, 6-month and 1-year terms available • Free Online Banking. You will need a web browser such as Netscape 6.0 or Microsoft Internet Explorer 5.0 or higher that supports 128-bit encryption. • Free Accessline, telephone banking.

Personal Internet Jumbo Time Deposit (CD) Benefits   Minimum Opening Balance                                                       Monthly Maintenance Fee       Minimum Daily Balance to Earn Disclosed APY Interest Compounding/Frequency of Credit to Account                Terms                                                                 Account Access                                                             

Competitive fixed rates $100,000.00 None $100,000.00 Monthly/Monthly • 3-month, 6-month and 1-year terms available • Free Bank-at-Home online banking. You will need a web browser such as Netscape 6.0 or Microsoft Internet Explorer 5.0 or higher that supports 128-bit encryption. • Free Accessline, telephone banking.

IRA Time Deposits (CD) Benefits Minimum Opening Balance Interest Compounding/Frequency of Credit to Account

• Fixed- and variable-rate options • Multiple maturity options available $250.00 Monthly/Monthly

RELATIONSHIP Banking Services Amegy Advantage Personal Relationship Package* Benefits  

• Interest Rate Premium on Savings, Money Market, and CD/IRA Accounts • Free Amegy Bank Design Checks • Free non-Amegy ATM Transactions International transaction (outside of U.S) fees will still apply. Silver Level - 2 (Per statement cycle) Gold Level - 4 (Per statement cycle) • One (1) Overdraft Deposit Transfer Fee waiver per statement cycle • Free Cashiers Check and American Express® Travelers Cheques • Savings Account - monthly maintenance fee is waived • Additional discount on Loan Rates (Excludes Mortgages) • Annual Cash Reward

Gold Level additional benefits:

• Waiver of Stop Payment fees • Waiver of Incoming Wire fees (domestic only, per statement cycle) • Two Free Outgoing Wires (domestic only, per statement cycle) • No enrollment fee on Amegy Visa® Credit Card Rewards Program

Monthly package maintenance fee Product Requirements

$15.00 (Silver Level) $25.00 (Gold Level) Customers enrolled must have: • a personal Checking account • t wo or more of the following: Debit Card, Credit Card, or Online Banking • a Money Market, Savings, Amegy Mortgage (Gold Level only) or Consumer Loan account • eStatements or combined statements

Balance Requirements (to avoid monthly package maintenance fee)

Silver Level: $1,500 minimum daily balance in primary checking account or $10,000 combined deposit, loan and credit card balance. Gold Level: $  10,000 minimum average monthly balance in primary checking account or $30,000 combined deposit, loan and credit card balance.

Individual account minimums and fees apply on packaged money market accounts. *See the Amegy Advantage brochure for additional details.

Relationship Money Market Any Personal Checking Account Linked to the Relationship Money Market Account Enjoy additional features and benefits, as well as a higher annual percentage yield, when you link any personal checking account to our Relationship Money Market account. Additional information regarding your account is included on the attached rate sheet. Balance Computation Method: The daily balance method applies a periodic rate to the collected balance in the account each day. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items (for example, checks). Interest: Interest Day Base is 365/365, except in leap year 366/366. Rate is variable and may change at any time. Transaction Limitations Transfers from a savings account or money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, debit card, or similar order to third parties are limited to six per 30-day statement cycle. By law, if the above limits are exceeded three (3) times in a twelve (12) month period, the account will be closed or changed to a different type of account. For purposes of the transaction limitation, we count Money Market checks as of the date we post them to your account, not as of the date you write them. You may make an unlimited number of withdrawals from your account in person, by ATM, or by mail or messenger. After repeated notifications of exceeding transaction limits, Savings accounts will be converted to a non-interest bearing account and Money Market accounts will be converted to the Essential Checking account and all respective account terms and conditions will apply. Some account types may have fees for withdrawals that exceed the set number specified in this brochure. Some account types may have fees for withdrawals that exceed the set number specified in this brochure. Benefits

Minimum Opening Balance for Checking Minimum Opening Balance for Money Market Monthly Maintenance Fee Minimum Daily Balance (to avoid maintenance fee) Interest Compounding/Frequency of Credit to Account Excessive Debit Fee

• Benefits include: Complimentary first order of Amegy Bank exclusive design checks. Combined statements or free monthly eStatements. Free notary services. Free American Express® Travelers Cheques for One and Free Cashiers Checks. • Additional Relationship Money Market benefits include: Accounts earn a competitive rate of interest. Relationship Money Market balance tiers: $0 – $9,999 $10,000 – $24,999 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 and over  Excessive debit fee of $20.00 for each withdrawal after 6 per month. Unlimited over-the-counter withdrawals, including those at an ATM. $50.00 $100.00 $12.00 $5,000.00 (Daily combined money market and personal checking) Monthly/Monthly $20.00 for each withdrawal after 6 per month

Customers enrolled in the Relationship Money Market Account without an active personal checking account will be transferred to Amegy Bank’s Personal Money Market Account.

My Life Retirement Relationship® Package Customers at least 55 years of age or older, enjoy more benefits when you consolidate your retirement accounts at Amegy. Benefits

Monthly package maintenance fee Balance Requirements (to avoid package maintenance fee)

Account requirements

• Premium rate applied to all personal, interest-bearing checking, savings and money market accounts. • Six (6) free non-Amegy Bank ATM transactions per statement cycle. International transaction (out of the U.S.) fees will still apply. (As long as the MyLife Retirement Relationship requirements are met.) Ask your banker for details. $15.00 (charged to your primary checking account) • Maintain a $20,000 average monthly balance in your primary checking account. OR • Maintain $40,000 combined average monthly balance in all linked deposit accounts. The| combined balance may include all account owner’s open and active personal styled checking, savings, money market, IRA and time deposit (CD) accounts. • The Primary Owner must be at least 55 years of age or older. • The Primary Owner must own and maintain both an active Amegy Essential Checking with Interest and an IRA CD or a Market Rate IRA account.

AFFINITY GROUP BANKING This program is designed to enhance Amegy Bank’s relationship with various companies and organizations by offering their employees a package of banking products and services. This package of benefits are only available to employees of companies that have signed up for the program. The program offers many benefits designed with your needs in mind. Affinity Group Banking Package Benefits

Monthly package maintenance fee

• Waiver of monthly maintenance fee on one (1) primary checking account (Excludes Amegy Student Checking) • Waiver of monthly maintenance fee on one (1) companion Personal Savings account. (Please refer to the Personal Checking or Savings account descriptions for more information on product requirements and benefits.) • Free checks for the life of the account (Amegy wallet-style checks only). • Unlimited free non-Amegy Bank ATM transactions (Additional surcharges may be assessed by other ATM owners). International transaction (out of the U.S.) fees will still apply. • Free American Express® Travelers Cheques for One. • Free Cashier’s Checks. None

ADDITIONAL ACCOUNT FEES Overdraft Fees Insufficient Funds Fee (NSF) Paid Items (up to a maximum of five fees per day created by check, in-person withdrawal, ATM withdrawal, or other electronic means resulting in a negative balance of $10.00 or more)

$35.00/item

Daily Overdraft Fee (Beginning on the 5th day for accounts overdrawn $25.00 or more for more than 4 consecutive days. The daily fee will be assessed for a maximum of 30 consecutive days.)

$5.00/day

Overdraft Deposit Transfer Fee 

$7.50/transfer

Insufficient Funds Fee (NSF) Returned Items 

$35.00/item

Return Item/Deposited Item Returned

$9.00/item

Additional Services and Fees At Amegy Bank, we offer you a wide variety of additional banking services designed to simplify your life.

ATM/VISA® debit Card Services

Debit Card Replacement Fee

No Charge



Debit Card Replacement Overnight Fee (expedited card delivery)

$30.00

PIN Reset At Amegy Bank ATM At Banking Center

No Charge $5.00



No Charge

Visa® Debit Card Purchase

Withdrawal At Amegy Bank ATM No Charge ATM Transaction Fee (Non-Amegy Bank ATM) $2.50 (Additional surcharges may be assessed by other ATM owners.) Balance Inquiry At Amegy Bank ATM No Charge ATM Balance Inquiry Fee (Non-Amegy Bank ATM) $2.00 (Additional surcharges may be assessed by other ATM owners.) Photo Card Fee (myPHOTOcardTM customization) Initial card (Per cardholder) Additional imaged card or image change





International Transaction Fee Amegy Purchase AlertsTM powered by Visa® for Amegy Visa Credit and Debit Cards

No charge $5.95/occurrence/card

1% of the U.S. dollar amount of the transaction No Charge

ATM/visa® debit Card Limits1





ATM Card ATM (Customer withdrawal) POS Cash Advance Signature Purchase Maximum Daily Limit

$1,000/day $2,500/day Not Available Not Available $3,500

Visa Classic Debit Card Signature Purchase Cash Advance POS ATM Maximum Daily Limit

$5,000/day $5,000/day $5,000/day $1,000/day $6,000

Visa Gold Debit Card* Signature Purchase Cash Advance POS ATM Maximum Daily Limit

$7,500/day $7,500/day $7,500/day $1,000/day $8,500

Private Banking Platinum Visa Debit Card** Signature Purchase $20,000/day Cash Advance $20,000/day POS $20,000day ATM $1,000/day Maximum Daily Limit $21,000 1

Signature, Cash Advance, and POS Maximum Daily Limits are aggregate limits, may be reduced, increased or restricted at the Bank’s discretion.

* Visa Gold Card subject to credit approval. ** The Private Banking Platinum Debit Card is for Amegy Platinum Checking customers only.

Automated Telephone Banking and Online Banking Convenience services including free online and mobile banking allow you to access your accounts when you need it. Internet, mobile and text messaging service provider fees apply. Accessline (Automated Telephone Banking Services)***

Account Transfer by Phone

No Charge



Balance Inquiry

No Charge

Online Banking

Basic Service

No Charge

Account Transfer Internal - Amegy to Amegy Transfer External - Incoming (External transfer in) External - Outgoing (External transfer out fee)

No Charge No Charge $2.50/transfer



No Charge

Standard Bill Pay Service



Expedited Consumer Bill Payments Same Day Payments Overnight Check

$9.95 $17.50



Images of Canceled Checks

No Charge



Stop Payment Fee (Online)

$20.00/order



eStatements in Online Banking

No Charge

***For the purpose of using AccessLine, Amegy Bank N.A. is licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. United States Patents: 5,128,984; 5,561,707; 5,684,863; 5,815,551; 5,828,734; 5,917,893; 5,898,762; 5,974,120; and others.

PC Banking Personal Banking

$3.00/month



$6.50/month

Personal Banking with Bill Pay

Mobile Banking

No Charge

Customer Services Account Confirmation Audit

$35.00



Mortgage

$20.00

Current Activity Report

$5.00



Customer Assisted Call e-Mail Advice Fax Current Activity Printout

No Charge $5.00



Sight Payment Fee1

$60.00/month



Sight Payment Item Fee1

$.20/item



Tax Levy or Garnishment (1 hour minimum)

$80.00/hour



Excessive Withdrawal Fee – MMDA

$20.00/excess debit



Excessive Withdrawal Fee – Savings

$3.00/excess debit



Stop Payment Fee (Customer assisted)

$32.50/order

Statements, Research and Copies

Paper Statement (No eStatement)

No Charge



Statement Reprint Fee (Additional statement)

$10.00



Statement Hold Fee

$15.00

Statement Imaging CD-ROM Statement Fee Image - Front/Back of Check Fee Cancelled Check Return Fee eStatements (emailed) eStatement (No paper statement) Paper statement for accounts that require eStatements only Research Copy of Statement Copy of Check/Deposit (6 or more per month) Subpoena Research (1 hour minimum) 1 Sight Payment is not available for new set ups on new or existing accounts.

$30.00/account/month $5.00 $20.00

No Charge $10.00/month

$5.00 $3.00 each $30.00/hour plus $2.00/page

Checks, cashier’s Checks, Coins and Currency

Temporary Check

$.50 each



Counter Document

$.50 each



Non-Customer Check Cashing

$5.00



Substandard Check Quality (MICR rejects)

$.25/item

American Express® Travelers Cheques For One For Two

2% of purchase amount 2% of purchase amount

Cashier’s Check Customer Non-Customer

$8.00 $15.00

Collection Fees Collection Items Coupon Collection Incoming/Outgoing Domestic

$20.00/envelope $20.00

International Foreign Checks/Drafts

$40.00



Additional charges may be assessed by other processing banks.

Safe Deposit Box Rental Size Safe Deposit Annual Rental Fee

3 x 5

$30.00



3 x 10

$50.00



5 x 10

$75.00



10 x 10

$125.00



Set Up

$15.00

Drilling

$150.00

In addition to these standard sizes listed above, we also have other sizes depending on banking center location. Please check with your Personal Banker for details.

Wire Transfer Services

Domestic



Incoming Wire Fee

$11.00

Incoming Wire with Notification Fees Wire Email Advice With Fax With Fax & Email Advice With Phone Advice With Fax, Phone & Email Advice

$11.00 plus $1.50 $11.00 plus $3.00 $11.00 plus $4.50 $11.00 plus $5.00 $11.00 plus $9.50

Outgoing  Repetitive Non-Repetitive

$17.00 $22.00

International Incoming Outgoing

$15.00 $55.00



$105.00

*

*Wire Transfer Without PIN Customers with wire agreements are subject to the Wire Transfer Without PIN Fee on Bank assisted wire request.

Additional charges may be assessed by other processing banks, as well as any other fee charged or assessed by the receiving bank which may be unknown or undetermined at the time the wire is originated. The total amount received may be reduced by the recipient institution fees assessed or foreign taxes.

Keeping You Informed We value your business and want to keep you as an Amegy Bank customer. Texas State Law requires all financial institutions, such as Amegy Bank, to provide our depositors with notice that they may close their account prior to the effective date of this schedule and not be subject to any change in fees. Please refer to the Amegy and You: Our Rules and Regulations Governing Accounts brochure for additional information on these accounts. If you have questions about your accounts or other additional services and fees, please call Customer Service at 713-235-8810, 214-754-9500, 210-343-4500 or 888-287-0301 and press “0” for details.

© 2013 Amegy Bank N.A. Member FDIC. Equal Housing Lender MK-PBS-002 07/13