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                                                                   EXHIBIT 10.14

[ADMINISTAFF LOGO]

                            CLIENT SERVICE AGREEMENT

THIS CLIENT SERVICE AGREEMENT (the "Agreement") is between Administaff Companies
II, L.P., ("Administaff"), a Delaware limited partnership, with its principal
place of business at 19001 Crescent Springs Drive, Kingwood, Texas 77339-3802,
and Franklin Bank, S.S.B., ("Client"). Administaff is a Professional Employer
Organization, serving as an off-site, full service human resource department.
Administaff personnel management services are delivered by entering into a
co-employment relationship with Client's employees. This relationship and the
sharing of responsibilities are defined in this Agreement.

                                  I. PERSONNEL

Administaff and Client agree that Administaff will provide personnel management
services to Client and that Administaff and Client will be co-employers of the
worksite employees assigned to Client's worksite ("Staff"), for the job
functions listed in Schedule A ("Confidential Census"). Client warrants that
information supplied to Administaff on the Confidential Census is accurate as
supplied and acknowledges that Adminstaff is relying on the accuracy of the
information. Client agrees on an ongoing basis to amend Schedule A to reflect
each change in pay rate, addition or deletion of Staff, or any change in their
workers' compensation code within five (5) days of the effective date of such
change or addition. If such information is inaccurate, Client shall promptly
notify Administaff.

                              II. TERM OF AGREEMENT

This Agreement shall commence on the date shown below and remain in force until
either Administaff or Client terminates the Agreement by giving sixty (60) days
prior written notice unless otherwise provided herein or as agreed to in writing
by Client and Administaff.

                               III. ADMINISTRATION

 3.1     Administaff is responsible for the following:

         a.       reserving a right of direction and control over Staff,
                  including a right to hire or terminate as to Administaff's
                  employment relationship, maintain Staff records, and a right
                  to resolve Staff disputes not subject to a collective
                  bargaining agreement;

         b.       payment of salaries, wages, and compliance with applicable
                  rules and regulations governing the reporting and payment of
                  all federal and state taxes on payroll wages paid under this
                  Agreement, including, but not limited to: (i) federal income
                  tax withholding provisions of the Internal Revenue Code; (ii)
                  provisions of state and/or local income tax withholding laws,
                  if applicable; (iii) provisions of the Federal Insurance
                  Contributions Act ("FICA"); (iv) provisions of the Federal
                  Unemployment Tax Act ("FUTA"); and, (v) provisions of
                  applicable state unemployment tax laws;

         c.       providing employee benefits through Administaff sponsored
                  plans as indicated on Schedule B, if any are to be provided,
                  compliance with the Consolidated Omnibus Budget
                  Reconciliation Act ("COBRA") (excluding any state health or
                  other benefit coverage continuation or conversion), Health
                  Insurance Portability and Accountability Act ("HIPAA"), and
                  Employee Retirement Income Security Act ("ERISA"), if
                  applicable, as to plans sponsored by Administaff;

         d.       procurement of workers' compensation insurance and
                  administration of claims;

         e.       development and implementation of policies and practices in
                  conjunction with Client relating to personnel management
                  services, including, but not limited to, enrolling,
                  recruiting, interviewing, testing, selecting, training,
                  evaluating, replacing, supervising, disciplining, reassigning,
                  and terminating Staff; and

         f.       compliance with any applicable state statute or regulations
                  governing a professional employer organization.

3.2      Client is responsible for the following:

         a.       the service provided or product produced by Client;

         b.       the direction and control over Staff as necessary to conduct
                  Client's business, including a right to hire or terminate as
                  to Client's employment relationship, discharge any fiduciary
                  responsibility that it may have, and comply with any
                  applicable licensure, regulatory or statutory requirement of
                  Client and/or Staff;

         c.       compliance with any professional licensing, fidelity bonding,
                  and/or professional liability insurance requirements;

         d.       compliance with Occupational Safety and Health Administration
                  ("OSHA") regulations, Environmental Protection Agency ("EPA")
                  regulations, child labor laws, Worker Adjustment and
                  Retraining Notification Act ("WARN"), Fair Labor
                  Standards Act ("FLSA"), including Equal Pay Act, Uniformed
                  Services Employment and Reemployment Rights Act ("USERRA")
                  compliance with federal governmental contracting provisions,
                  and any state and/or local equivalent of any of the foregoing;
                  and any applicable state health or other benefit coverage
                  continuation and conversion laws;

         e.       compliance with National Labor Relations Act ("NLRA") and
                  liability for all obligations, including organizing efforts
                  and process expenses, related to Client's collective
                  bargaining agreement and any benefits arising from such
                  agreement;

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         f.       the operation of Client's business, equipment or property,
                  including motor vehicles;

         g.       the payment, through Administaff, of commissions, bonuses,
                  paid leaves of absence, and severance payments to Staff, if
                  any;

         h.       the payment of any non-qualified deferred compensation or
                  equity based compensation of any type, including, but not
                  limited to, stock options, restricted stock and phantom stock,
                  the number and value of options granted, whether such payment
                  is actual or imputed for taxing purposes, and compliance with
                  any applicable rules and regulations governing such
                  compensation;

         i.       development and implementation of policies and practices to
                  establish and maintain Client's intellectual property rights
                  including but not limited to patents, trademarks, copyrights,
                  trade secrets and confidential information and to prevent any
                  infringement or unauthorized use of Client's intellectual
                  property rights by any third party;

         j.       development and implementation of policies and practices to
                  avoid infringement or unauthorized use by Staff and/or Client
                  of any intellectual property rights; and

         k.       to the extent Client deems appropriate, entering into
                  agreements with Staff concerning assignment of inventions and
                  copyrights to Client and protection of Client's intellectual
                  property rights.

3.3 Administaff and Client will be jointly responsible for compliance with all
federal, state and local employment laws, including, but not limited to, Title
VII of the 1964 Civil Rights Act, Age Discrimination in Employment Act ("ADEA"),
Title I of the Americans with Disabilities Act ("ADA"), Family and Medical Leave
Act ("FMLA"), Consumer Credit Protection Act, Title III, 42 U.S.C. Sections
1981, Sections 503 of the Rehabilitation Act of 1973, immigration laws and
regulations, and any state and/or local equivalent of the foregoing, as well as
any and all personnel management policies and procedures that are maintained by
Administaff and referenced in 3.1 e.

                    IV. SUPERVISION AND EMPLOYMENT AGREEMENT

4.1 One or more on-site supervisors shall be designated by Administaff from
among Staff. On-site supervisors shall be responsible for facilitating personnel
management services provided by Administaff.

4.2 An employee listed on Schedule A, and any Staff added later, become
co-employees of Administaff when (i) he/she becomes an employee of Client; (ii)
he/she executes an Administaff Employment Agreement as set forth in Exhibit C
("Employment Agreement"); and (iii) Client pays the first Administaff invoice
covering such employee.

                               V. WORK ENVIRONMENT

5.1 Client agrees that it will comply, at its sole cost and expense, with all
applicable federal, state and local health and safety laws, regulations,
ordinances, directives and rules relating to workplace, provide and ensure use
of all personal protective equipment, and follow all directives concerning a
safe work environment from Administaff's workers' compensation insurance
carrier.

5.2 Client agrees to immediately report to Administaff all accidents and
injuries involving Staff.

5.3. Administaff and Administaff's workers' compensation insurance carrier shall
have the right to inspect Client's workplace, including, but not limited to, any
job sites at which Staff work. To the extent possible, such inspections shall be
scheduled at mutually convenient times.

                                  VI. INSURANCE

6.1 Administaff shall, at its expense, keep in force at all times during this
Agreement, workers' compensation insurance covering all Staff. Client shall be
named an alternate employer. Upon written request by Client, Administaff shall
request that its insurance carrier furnish a certificate of insurance verifying
coverage. The policy shall include a waiver of subrogation.

6.2 a. Administaff shall provide coverage for Client under the Administaff
Employment Practices Liability Insurance Policy ("EPLI"), provided:

         (i)      Client provides Administaff notice immediately but in no event
                  more than five (5) days of its becoming aware of any charge,
                  litigation, request for arbitration, or demand letter
                  involving Staff, former Staff or an applicant that could give
                  rise to a claim under EPLI;

         (ii)     Client is not in default hereunder; and

         (iii)    Client complies with the requirements set forth at paragraph
                  11.8 and 11.11 and 13.2 of this Agreement.

     (b)       The Administaff EPLI policy provides for a deductible, to be paid
               by Client; and provides a maximum coverage amount. The policy
               covers reasonable and necessary attorneys' fees only from
               attorneys selected from the insurance carrier approved panel.
               Coverage information will be sent to client. The notice specified
               above shall be sent by facsimile transmission to 281/348-3118
               Attn: Human Resource Compliance with the original document
               following via overnight courier to the address shown in paragraph
               13.8.

     (c)       The EPLI coverage terminates with the termination of this
               Agreement.

     (d)       This paragraph 6.2 is subject to the terms and conditions set
               forth in the policy.

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         e.       Client will be provided a certificate of insurance.

6.3 Client warrants and represents to Administaff that it has in force at the
effective date of this Agreement, and will maintain during this Agreement, the
following insurance coverage and minimum limits. Such coverage shall be provided
at the Client's sole cost and expense and shall be provided by a state approved
insurance company and rated by A M Best Company at A- or better.

         a.       General Liability. Commercial General Liability in standard
                  form on an "occurrence basis" covering Client's operations
                  with minimum limits of:

<TABLE>
<S>      <C>                     <C>
(1)      $2,000,000.00           General Aggregate

(2)      $1,000,000.00           Products/Completed Operations Aggregate and/or Error and Omissions (Malpractice)

(3)      $1,000,000.00           Personal and Advertising Injury

(4)      $1,000,000.00           Each Occurrence.
</TABLE>

                  Additional coverage may be required for special operations.

         b.       Automobile Liability. Comprehensive automobile liability
                  insurance covering all owned, hired, and non-owned Client
                  vehicles, with minimum limits of One Million and No/100
                  Dollars ($1,000,000) combined single limit per occurrence for
                  Bodily Injury and Property Damage Liability. Client warrants
                  that all persons operating Client's vehicles are duly licensed
                  and covered under the Client's automobile liability insurance
                  policy without exception. Client agrees to furnish to
                  Administaff a list of drivers upon request. The policy shall
                  be endorsed to include, at no additional cost to Administaff,
                  Staff who shall be operating motor vehicles for Client.

6.4 Policy Requirements. All Client insurance policies required herein shall
provide for thirty (30) days written notice to Administaff prior to alteration,
cancellation, non-renewal or material change by endorsement of the coverage. All
such insurance policies shall be endorsed to waive any and all rights of
subrogation against Administaff and name Administaff as an additional insured,
both at no additional cost or expense to Administaff. Each of the policies shall
be primary insurance and not excess over or contributory with any other valid,
existing and applicable insurance carried by Administaff.

6.5 Client shall submit certificates of insurance to Administaff signed by
authorized representatives of insurance companies evidencing all insurance
required pursuant to this Article VI within thirty (30) days of execution of
this Agreement and at any renewal or replacement of such policies.

6.6 Waiver of Subrogation. Each party to this Agreement hereby waives any claim
in its favor against the other party by way of subrogation or otherwise, which
arises during this Agreement, for any and all liability, loss or damage which is
covered by polices of insurance required hereunder or covering property, to the
extent that such liability, loss or damage is recovered under such policies of
insurance. Since the mutual waivers will preclude the assignment of any
aforesaid claim by way of subrogation or otherwise to an insurance company or
any other person, each party agrees to immediately give to each of its insurance
carriers, written notice of the terms of said mutual waiver, and to have its
insurance policies properly endorsed, if necessary, to prevent the invalidation
of said insurance coverage by reason of said waiver.

                               VII. ENROLLMENT FEE

Client agrees to pay Administaff a non-refundable enrollment fee in the sum
specified in the initial Schedule B ("Client Service Application"). This one
time enrollment fee is due and payable at the time the initial Agreement is
signed by Client.

                                VIII. SERVICE FEE

In exchange for the personnel management services provided by Administaff,
Administaff and Client agree as follows:

8.1 The Administaff fee rate percentages set forth in Schedule B are calculated
utilizing the data submitted by the Client in Schedule A. If such information is
inaccurate, Client shall amend Schedule A to reflect the current information.

8.2 The initial Schedule B will be signed by the parties and shall set forth the
fee to be charged by Administaff. Each pay period, Client shall pay Administaff
the total service fee ("Total Service Fee") comprised of the actual gross
payroll of Staff during such pay period plus the fee rate percentages specified
in Schedule B multiplied by the actual gross payroll of Staff during such pay
period. The Total Service Fee plus any other charges shall be reflected on the
invoice.

8.3 Administaff may periodically review the total Schedule B payroll amount and
may, upon written notice to Client, adjust its fee percentages to account for
material changes, as determined by Administaff, in payroll amount either
increasing or decreasing its fee rate, which change will be effective with the
next invoice after the notice. Changes to the fee percentages made necessary due
to statutory changes which would have been applicable to Client absent this
Agreement may be made at any time such changes are required by law.

8.4 Each payroll period, Client shall provide a written report to Administaff of
all time worked by non-exempt Staff, days worked by exempt-salaried Staff, and
commissioned Staff. Client will accurately report FLSA classification of all
Staff, pay rate and any overtime worked by non-exempt.

8.5 An invoice provided by this Agreement shall be due and payable by Client on
its receipt. Client shall use a method of payment approved in advance by
Administaff.

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8.6 Client shall reimburse Administaff for services not included in its service
fee and requested by Client. Administaff shall advise Client if requested
services are an extra charge.

8.7 Fee rate percent for Staff not listed on the initial Schedule A, shall be
computed using the same pricing model ("Pricing Model") used to determine the
fee on the initial Schedule B. This Pricing Model shall be applied to the actual
payroll of Staff not included on the initial Schedule A, benefits selections and
applicable payroll taxes. The Pricing Model will take into account the number of
months remaining in the current Agreement year. Each subsequent year Schedule A
shall be updated to include all current Staff and shall become the new Schedule
A for purposes of determining additions to Staff that are not on the schedule.

8.8 Administaff reserves the right to impose any terms of its credit policy as
set forth in Exhibit E ("Credit Policy:).

8.9 Client will notify Administaff of any changes, errors or inaccuracies in any
payroll, payroll report, Schedule A or Schedule B within ten (10) days of such
error or change.

                                   IX. DEFAULT

9.1   Acts of default by Client are:

         a.       failure of Client to pay an invoice when due;

         b.       failure of Client to comply with any directive of Administaff,
                  when such directive is promulgated or made necessary by: (i) a
                  federal, state or local governmental law or regulation; (ii)
                  an insurance carrier providing coverage to Administaff and/or
                  its Staff; or (iii) specific circumstances which may affect
                  the safety or violate the legal rights of Administaff or
                  Staff;

         c.       direct payment of taxable wages by Client to Staff for
                  services contemplated by this Agreement;

         d.       commission or omission of any act that usurps any right or
                  obligation of Administaff as a co-employer of Staff including
                  failing to cooperate with Administaff in its fulfilling its
                  obligations hereunder or violation by Client of any material
                  provision of this Agreement;

         e.       Client has become a credit risk in Administaff's estimation,
                  based on factors which include but are not limited to a
                  temporary or permanent layoff, solicited time off, or
                  significant decrease in Staff or wage rates;

         f.       filing by or against Client for bankruptcy, reorganization or
                  appointment of a receiver, supervisor, assignee, trustee, or
                  liquidator over its assets or property, Client's failure to
                  meet any of its financial covenants, or Administaff's
                  reasonable belief Client is insolvent;

         g.       failure to follow terms of Administaff's credit policy as
                  stated in paragraph 8.8 after being given written notice of
                  the failure;

         h.       failure to cooperate with Administaff in its fulfilling any of
                  its obligations under this Agreement after being given notice
                  of the failure to cooperate;

         i.       a material money judgment against Client which remains
                  unsatisfied for more than thirty (30) days and has not been
                  appealed; or

         j.       making any form of press release or announcement to the
                  general public regarding this Agreement, without the prior
                  express written consent of Administaff, publicizing
                  Administaff or using its trade marks, and/or service marks, or
                  otherwise disclosing to the general public in a public forum
                  that the parties have entered this Agreement or have a
                  relationship.

9.2 In the event Administaff incurs any expenses, fines and/or liabilities as a
result of an act of default by Client as set forth above, Client shall reimburse
Administaff for all actual expenses, fines and/or liabilities, including, but
not limited to, reasonable attorneys' fees, court costs and any related
expenses as they are incurred.

9.3 Upon an act of default by Client, Administaff shall have the option, in its
sole and absolute discretion, of terminating this Agreement immediately in the
case of a default under 9.1a, b, c, d, e, f, g, h, or j or after cure period
provided in 9.1i by written facsimile transmission or any other
method of communication to the address stated in paragraph 13.8.

                                   X. INDEMNITY

10.1 Administaff hereby agrees to indemnify, defend and hold Client harmless
from and against any and all liability, expense (including cost of
investigation, court costs and reasonable attorneys' fees) and claims for damage
of any nature whatsoever, whether known or unknown and whether direct or
indirect, as though expressly set forth and described herein which Client may
incur, suffer, become liable for, or which may be asserted or claimed against
Client as a result of Administaff failing to pay when due wages to Staff,
federal, state and local payroll taxes, if any, and health insurance premiums
for participating Staff or to secure workers' compensation insurance coverage
for Staff after having its invoice paid by Client.

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10.2 Notwithstanding anything herein or in any other agreement or document to
the contrary, Client expressly agrees that Administaff shall under no
circumstances be liable for any special, incidental or consequential damages of
any nature whatsoever arising under or relating to this Agreement.

10.3 Client hereby agrees to indemnify, defend and hold Administaff,
Administaff, Inc. and all subsidiaries of or companies affiliated with
Administaff, Inc., its and their current and/or former officers, directors,
shareholders, employees and agents ("Administaff Indemnified Parties"), harmless
from and against any and all liability, expense (including cost of
investigation, court costs and reasonable attorneys' fees) and claims for damage
of any nature whatsoever, whether known or unknown and whether direct or
indirect, as though expressly set forth and described herein, which Administaff
Indemnified Parties may incur, suffer, become liable for or which may be
asserted or claimed against Administaff Indemnified Parties:

         a.       relating to any claims, incidents or causes of action that
                  occurred prior to the effective date of this Agreement,
                  regardless of whether the claims, incidents or causes of
                  action were asserted prior to or after the effective date of
                  this Agreement;

         b.       as a result of the failure of Client to follow the directives,
                  procedures and policies of Administaff as they relate to Staff
                  which includes, but is not limited to, claims arising from the
                  acts or failures to act of the Client and/or its employees,
                  agents, former employees or former agents in accordance with
                  (i) applicable federal, state or local laws or (ii) the terms
                  and conditions of this Agreement;

         c.       arising from the Client's actions toward the Staff, rights or
                  terms and conditions of employment, whether based on contract,
                  tort or statutory violation (including but not limited to
                  violations under FLSA, OSHA or WARN) subject to coverage under
                  EPLI coverage under 6.2 herein, if any;

         d.       arising from actions of Staff toward non-employees of
                  Administaff whether based on contract, tort or statutory
                  violation;

         e.       arising from any product produced and/or services provided by
                  Client;

         f.       arising from operation by Client, Client's employees or Staff
                  of any form or type of motor vehicle;

         g.       arising from employee or Staff unionization and/or provision
                  of benefits to any Staff member covered by a collective
                  bargaining agreement, any organizing activity or claims based
                  on NLRA;

         h.       arising from any Client employment agreement or offer letter
                  Client has with Staff, or any policy or plan Client has
                  regarding paid time off or other payments plans such as
                  vacation, sick leave, severance, bonus or commissions and
                  nothing in this provision creates any such policy or plan;

         i.       arising from any infringement, alleged infringement,
                  unauthorized use or alleged unauthorized use of any
                  intellectual property rights, including but not limited to
                  patents, trademarks, copyrights, trade secrets and
                  confidential information, by Staff or Client and by any
                  product or services provided by Client; and

         j.       as a result of the failure of Client to properly maintain and
                  operate any separate employee benefit plan(s), including, but
                  not limited to a defined contribution or defined benefit
                  pension plan or a welfare plan maintained by Client in
                  accordance with all applicable federal and state laws and any
                  accompanying regulatory guidance thereto, including, but not
                  limited to, Client or Client's agents' failure with respect to
                  such plan(s) to make timely deposits to the appropriate
                  plan(s) in an amount equal to the Staff requested wage
                  deferral, to perform proper discrimination and coverage
                  testing, file required annual informational or event specific
                  returns or reports with the appropriate regulatory agencies,
                  and timely pay any applicable premiums or vendor fees.

10.4 The indemnities in this section shall be deemed to be contractual in nature
and shall survive termination of this Agreement.

                 XI. REPRESENTATIONS, WARRANTIES AND AGREEMENT

11.1 Client agrees not to engage in any conduct that is, or could be in any way,
inconsistent with the policies and procedures of Administaff made known to
Client or the fact that the Staff are the co-employees of Administaff and
Client. Client further agrees that it will not engage in any conduct regarding
the Staff that is expressly disapproved of by Administaff.

11.2 Client agrees that Administaff will have no responsibility or liability for
any losses or claims that arise as a result of Staff's negligence, theft,
embezzlement, or other unlawful or willful acts committed by Staff.

11.3 Client agrees to comply with all applicable Department of Transportation,
Interstate Commerce Commission and Motor Carrier Act requirements and
regulations if Client uses Staff to operate motor vehicles and agrees to
indemnify, defend, and hold Administaff harmless from and against any liability,
expense (including court costs and attorneys' fees) and claims relating to the
non-compliance or violation. This obligation to indemnify Administaff shall
survive termination of this Agreement.

11.4 Client agrees to provide Administaff with a copy of any notice, complaint
or charge of a government agency and/or legal action concerning (i) Client's
workplace; (ii) Client's compliance with any laws, rules, regulations or
ordinances relating to the workplace; or, (iii) any Staff within five (5) days
of receipt of such notice, complaint, charge or legal action via facsimile
transmission to 281/348-3118 ATTN: Human Resource Compliance, with the original
complaint sent overnight courier to the address shown in paragraph 13.8.

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11.5 Client agrees to notify Administaff in advance if it has executed a
collective bargaining agreement, is in the process of negotiating a collective
bargaining agreement, experiencing organizing activities, or has any employees
represented by a union.

11.6 Client acknowledges that any and all employee benefit plans maintained by
Administaff may be amended at any time at the sole discretion of Administaff
modifying any provision thereof to the extent allowed by ERISA and the Internal
Revenue Code. Such modifications include but are not limited to, increases or
decreases of participant co-pays, deductibles, out of pocket maximums, covered
services, employee contribution amounts and the like and such modifications
shall not be restricted as a result of any provision(s) contained in a
collective bargaining agreement entered into by Client.

11.7 In the event co-employer (Client) files a voluntary petition under Title
11 of the United States Code, or in the event that an involuntary petition is
filed against co-employer (Client) under Title 11, all debts that the Client
may owe to Administaff shall be considered "administrative expenses" within the
meaning of 11 U.S.C Sections 503 (b)(l)(A) and Administaff's claim or claims for
such administrative expenses shall be entitled to the priority specified in 11
U.S.C. Sections 507 (a) (1). Client further agrees to use every effort and
cooperate with actions which will so classify these claims as administrative.

11.8 Client agrees to cooperate fully with Administaff in any investigation
including, but not limited to, the defense of any employment claim, involving
Staff whether such investigation or claim is initiated by Staff, a government
agency or by Administaff. Administaff will not provide a defense in those
situations where Client has taken action against Staff or individual members
without the prior consultation of Administaff or where Client has failed to
follow Administaff's directives which are based on applicable laws, rules or
regulations.

11.9 Client warrants and represents that all individuals it has represented to
Administaff as Staff are: (i) its employees, and (ii) included in the personnel
management services of Administaff including receiving wages and coverage under
insurance and benefit plans.

11.10 Client warrants and represents to Administaff that, prior to entering into
this Agreement, Client has informed Administaff of all compensation, pension
and/or benefit plans that Client may currently provide, or has heretofore
provided, for any owners, partners, shareholders, directors, officers employees
or agents of Client. Client acknowledges that if Client currently provides or
has previously provided any pension or benefit plans to such individuals or
their dependents, certain complex rules under ERISA and the Internal Revenue
Code may apply to these plans as well as to any plans maintained by Administaff,
as a result of this Agreement. If Client currently maintains or has maintained
any such plans, Client acknowledges that Administaff has advised Client to seek
advice from a qualified professional regarding the effect of this Agreement on
such plans.

11.11 Client warrants and represents to Administaff that prior to entering into
the Agreement, it has not engaged to the best of its knowledge in any violations
of federal, state or local laws or regulations regarding wage and hour, unfair
labor practices or discrimination and that Client is current on the payment of
all wages, payroll taxes, and workers' compensation assessments and penalties,
if applicable.

11.12 Client acknowledges that at the time of termination of this Agreement,
Administaff will send Staff employment termination notices terminating
Administaff's relationship with Staff which does not affect the employment
relationship Client has with Staff.

11.13 Upon termination of this Agreement, Client will assume sole responsibility
and liability for all accumulated unpaid sick leave, paid time off, vacation or
similar liabilities for Staff.

11.14 Client agrees to notify Administaff in advance if it owns or operates
aircraft or watercraft, or has any foreign operations or expatriates.

11.15 Client warrants and represents that it has furnished to Administaff
accurate information concerning the Client's ownership structure for purposes of
determining 401(k) plan eligibility or participation level. Client must promptly
notify Administaff of any changes in its ownership structure.

11.16 Client warrants it will not request Staff to perform any services outside
that person's workers' compensation code or employee's ability or training if
such service would expose the individual, Staff or other persons to personal
harm or danger.

11.17 Client agrees that it will not during this Agreement and for a period of
one (1) year following its termination, solicit or hire any corporate employee
of Administaff or in any way induce an Administaff employee to terminate his/her
employment. If Client does employ for itself, or for its benefit, any corporate
employee of Administaff, it will pay within thirty (30) days of written notice
from Administaff a recruiting fee equal to one hundred and fifty percent (150%),
or the maximum allowed under state law, of the annualized salary of the
employee. Annualized salary for this paragraph 11.17 shall include any signing
bonus, salary and wages and any estimated commission which will/would be paid to
the employee during his/her first twelve (12) months of employment with or for
the benefit of Client.

11.18 Client understands that certain services will be provided by Administaff
through the use of Administaff's affiliates' password-protected Internet service
platform MY MARKETPLACE and EMPLOYEE SERVICE CENTER. These services now include
or will in the future include payroll, benefits information, reporting to Client
and Staff information, recruiting, and training. Administaff may communicate
services or offerings or make certain information available to Staff or Client
through MY MARKETPLACE or EMPLOYEE SERVICE CENTER. EMPLOYEE SERVICE CENTER, MY
MARKETPLACE and any other Administaff website are governed by the Terms of Use
and Privacy Policy contained on each website.

                                XII. ARBITRATION

12.1 Except for unpaid invoices or any amount of money owed by Client to
Administaff or by Administaff to Client, Administaff and Client agree and
stipulate that all claims, disputes and other matters in question between
Administaff and Client arising out of, or relating to this Agreement or the

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breach thereof, will be decided by arbitration in accordance with the Federal
Arbitration Act (9 U.S.C. Sections 10 and 11) and the Commercial Arbitration
Rules of the American Arbitration Association subject to the limitations of
this Article XII. This agreement to so arbitrate and any other agreement or
consent to arbitrate entered into in accordance herewith as provided in this
Article XII. will be specifically enforceable under the prevailing law of any
court having jurisdiction.

12.2 Notice of the demand for arbitration will be filed in writing with the
other party to the Agreement and with the American Arbitration Association. The
demand for arbitration shall be made within a reasonable time after the claim,
dispute or other matter in question has arisen, and in no event shall any such
demand be made after the date when institution of legal or equitable proceedings
based on such claim, dispute or other matter in question would be barred by the
applicable statute of limitations.

12.3 No arbitration arising out of, or relating to, this Agreement shall include
by consolidation, joinder or in any other manner any other person or entity who
is not a party to this contract unless:

         a.       the inclusion of such other person or entity is necessary if
                  complete relief is to be afforded among those who are already
                  parties to the arbitration, and/or such other person or entity
                  is substantially involved in a question of law or fact which
                  is common to those who are already parties to the arbitration
                  and which will arise in such proceedings; and,

         b.       the written consents of the other person or entity sought to
                  be included and Administaff and Client have been obtained for
                  such inclusion, which consent shall make specific reference to
                  this paragraph 12.3; but no such consent shall constitute
                  consent to arbitration of any dispute not specifically
                  described in such consent or to arbitration with any party not
                  specifically identified in such consent.

12.4 The award rendered by the arbitrators will be final, judgment may be
entered upon it in any court having jurisdiction thereof, and will not be
subject to modification or appeal except to the extent permitted by Sections 10
and 11 of the Federal Arbitration Act (9 U.S.C. Sections 10 and 11).

                               XIII. MISCELLANEOUS

13.1 This Agreement is between Administaff and Client and creates no individual
rights of Staff or any third parties (except as stated in Article X.), as
against Client or Administaff.

13.2 Client agrees to comply, at its sole cost and expense, with any applicable
specific directives promulgated by: (i) a federal, state or local governmental
body, department or agency and/or (ii) an insurance carrier providing coverage
to Administaff and/or Staff affecting this Agreement.

13.3 Client shall not assign this Agreement or its rights and duties hereunder,
or any interest herein, without the prior written consent of Administaff, except
to a subsidiary or affiliate.

13.4 The prevailing party, in any enforcement action arising with respect to
this Agreement, shall be entitled to recover from the other party all costs of
such enforcement action including, without limitation, reasonable attorneys'
fees, court costs and related expenses.

13.5 EXCEPT FOR ARTICLE XII. OF THIS AGREEMENT, WHICH SHALL BE GOVERNED BY THE
FEDERAL ARBITRATION ACT (9 U.S.C. SECTIONS 10 AND 11), THIS AGREEMENT SHALL BE
GOVERNED BY THE LAWS OF THE STATE OF TEXAS WITHOUT REFERENCE TO THE CONFLICTS
OF LAWS PRINCIPLES THEREOF.

13.6 This instrument, including the initial Schedules and Exhibits attached
hereto, contains the entire Agreement of the parties and supersedes all prior
and contemporaneous agreements or understandings, whether written or oral, with
respect to the subject matter hereof. No amendment or modification to this
Agreement, other than subsequent Schedule B, shall be valid unless in writing
and signed by both parties hereto. This Agreement is binding on the parties as
of the last date it is signed by the parties if the execution dates are
different.

13.7 If any provision of this Agreement, or any amendment thereof, is determined
by a court of competent jurisdiction to be invalid the remaining provisions
shall remain in effect and be so construed as to effectuate the intent and
purposes of this Agreement and any amendments thereto.

13.8 All notices, requests and communications provided hereunder and required by
Client except as required under 6.2(b) and 11.4 shall be in writing, sent by
facsimile, or hand-delivered, or mailed by prepaid United States registered,
certified, or express mail, return receipt requested, or overnight courier
service and addressed to the party's principal place of business as set forth in
this Agreement (or to such other address provided in writing by such party).

       If to Administaff:                     If to Client (see signature lines)

       Administaff Companies II, L.P.
       19001 Crescent Springs Drive
       Kingwood, Texas 77339-3802
       Attn: John H. Spurgin, II
       Vice President, Legal and General Counsel
       Fax: (281) 358-6492

                                     PAGE 7

COPYRIGHT 2002, ADMINISTAFF COMPANIES II, L.P.

<PAGE>
13.9 The waiver by either party hereto of a breach of any term or provision of
this Agreement shall not operate or be constructed as a waiver of a subsequent
breach of the same provisions or of a breach of any other term or provision of
this Agreement by any party.

13.10 Force Majeure. Neither Administaff nor Client shall be required to
perform any term, condition, or covenant of this Agreement so long as such
performance is delayed or prevented by force majeure, which shall mean acts of
God, strikes, lockouts, labor restrictions by any governmental authority, civil
riot, floods, and any other cause not reasonably within the control of
Administaff or Client and which by the exercise of due diligence Administaff or
Client is unable, wholly or in part, to prevent or overcome.

13.11 Authority. Each party represents and warrants that each has actual
authority and power to enter this Agreement and to be bound by the terms and
conditions hereof. Any individual signing this Agreement on behalf of a Client
represents, warrants and guarantees that he or she has full authority to do so.
This Agreement is binding upon Administaff only if signed by the President or a
Vice President of Administaff.

                                XIV. ATTACHMENTS

The following Schedules, Exhibits and Addendum are attached to this Agreement
and incorporated herein by reference for all purposes:

A.  Schedule A ("Confidential Census");

B.  Schedule B ("Client Service Application");

C.  Exhibit C ("Employment Agreement");

D.  Exhibit D ("State Specific and/or Profession Specific Addendum") if any;

E.  Exhibit E (Credit Policy).

         The waiting period before eligible to participate in the Adminstaff
health insurance plan is 30 (Client initial) days form hire date (if blank
automatically defaults to zero).

Effective date of the Client Service Agreement 1/1/03.
                                               ------

This Agreement is executed by Administaff    This Agreement is executed by
on 18th day of December, 2002.               Client on        day
   ----        --------  ----                          -------
                                             of             ,     .
                                                ------------  ----

ADMINISTAFF COMPANIES II, L.P.               FOR CLIENT:  Franklin Bank, S.S.B
By: Administaff Companies, Inc.,
its General Partner
19001 Crescent Springs Drive
Kingwood, Texas 77339-3802
(800) 237-3170

BY:                             By:
    --------------------------     ---------------------------------------------
                                   (Signature)          Title or Position

                                ------------------------------------------------
                                (Name - Typed or Printed)

                                ------------------------------------------------
                                Email Address (please print)

                                ------------------------------------------------
                                Address

                                ------------------------------------------------
                                Facsimile Number

                                PAGE 8

COPYRIGHT 2002, ADMINISTAFF COMPANIES II, L.P.

<PAGE>
(ADMINISTAFF LOGO)

                                   EXHIBIT D
                            STATE SPECIFIC ADDENDUM
                                     TEXAS

     THIS ADDENDUM amends the Client Service Agreement ("Agreement") between
Administaff Companies II, L.P. ("Administaff"), a Delaware limited partnership,
and Franklin Bank, S. S. B. ("Client"), dated January 1, 2003.

     The parties recognize that Administaff is regulated by the Texas Staff
Leasing Services Act, Texas Labor Code, Chapter 91. Therefore, it is agreed that
the following is hereby added to the Agreement.

     Administaff and Client:

          1.   share the right of direction and control over Staff,

          2.   share the right to hire, fire, discipline and reassign Staff, and

          3.   share the right of direction and control over the adoption of
               employment and safety policies and the management of workers'
               compensation claims, claim filings, and related procedures.

     Administaff assumes responsibility for the payment of wages to Staff
without regard to payment by Client and responsibility for the payment of
payroll taxes and collection of taxes from Staff.

     Client retains responsibility for the acts, errors, and omissions of Staff
committed within the scope of the Client's business.

     CLIENT IS HEREBY NOTIFIED THE ADDRESS FOR THE TEXAS DEPARTMENT OF
LICENSING AND REGULATION IS P.O. BOX 12157, AUSTIN, TEXAS 78711, TELEPHONE
NUMBER (800) 252-8026. THE DEPARTMENT MAY BE CONTACTED REGARDING UNRESOLVED
COMPLAINTS CONCERNING ADMINISTAFF OR QUESTIONS CONCERNING THE REGULATION OF
PROFESSIONAL EMPLOYER ORGANIZATIONS.

     Chapter 91 of the Texas Labor Code, as amended, also provides that
Administaff is not in the unauthorized practice of an occupation, trade or
profession which is licensed or certified or otherwise regulated by a
governmental entity solely by entering an Agreement.

     The parties certify that the Agreement and any amendments meet the
requirements of Section 3.364 under Texas Tax Code Section 111.002 regarding
Texas sales tax and that the services performed under this Agreement are exempt
from Texas sales tax.

DONE THIS 31 day of October, 2002, effective the same date as the Agreement.

ADMINISTAFF COMPANIES II, L.P.               CLIENT: Franklin Bank, S. S. B.
By: Administaff Companies, Inc., its
    General Partner

By:                                          By:
   ----------------------------------            -------------------------------

                                             Title:
                                                     ---------------------------

ADMINISTAFF COMPANIES II, L.P.
COPYRIGHT 2001
<PAGE>

[ADMINISTAFF LOGO]

                                    ADDENDUM

         This Addendum is attached to and made a part of that certain Client
Service Agreement (the "Agreement") of even date, between ADMINISTAFF COMPANIES
II, L.P. ("Administaff"), a Delaware limited partnership, and FRANKLIN BANK,
S.S.B. ("Client"). In the event of a conflict between this Addendum and the
Agreement, this Addendum shall control.

ARTICLE VI. INSURANCE

Article VI., paragraph 6.1 shall be amended to read as follows:

         "6.1 Administaff shall, at its expense, keep in force at all times
during this Agreement, workers' compensation insurance covering all Staff.
Client shall be named an alternate employer. Administaff shall request that its
insurance carrier furnish a certificate of insurance verifying coverage with
thirty (30) days notice of cancellation or non-renewal. The policy shall include
a waiver of subrogation."

Article VI., paragraph 6.7 shall be added to read as follows:

         "6.7 Administaff will provide certificates of insurance for its errors
and omissions policy and its crime insurance policy."

ARTICLE VIII. SERVICE FEE

Article VIII., paragraph 8.3 shall be amended to read as follows:

         "8.3 Administaff's insurance costs, and professional services and
administrative fees will only be adjusted at the end of the first twelve months
of the Client Service Agreement and annually thereafter, with prior written
notice, or as mutually agreed by Client and Administaff. Each initial individual
Staff member shall be identified with an Administaff service fee percentage as
listed on Exhibit F, which is attached hereto."

Article VIII., paragraph 8.10 shall be added to read as follows:

         "8.10 Client may, at its option, from time to time but not more
frequently than quarterly, request Administaff prepare bonus checks to
individuals (Staff) who are on the Administaff payroll and have received payroll
checks from Administaff during the period. Administaff shall deduct usual
deductions and taxes and charge applicable direct expenses including FICA,
unemployment and workers' compensation, charge a check processing fee of $15.00
per check but no Administaff service fee."

ARTICLE IX. DEFAULT

Article IX., paragraph 9.2 shall be amended to read as follows:

                                     Page 1

<PAGE>

         "9.2 In the event either party incurs any expenses, fines and/or
liabilities as a result of an act of default by the other party, the defaulting
party shall reimburse the other party for all actual expenses, fines and/or
liabilities, including, but not limited to, reasonable attorneys' fees, court
costs and any related expenses."

Article IX., paragraph 9.3 shall be amended to read as follows:

         "9.3 Upon an act of default by either party, the non-defaulting party
shall have the option, in its sole and absolute discretion, of terminating this
Agreement immediately in the case of a default under 9.1 a, b, c, d, e, f, or j
or 9.4 or after cure period provided in 9.1 g, h, and i by written facsimile
transmission or any other method of communication to the address stated in
paragraph 13.8."

Article IX., paragraph 9.4 shall be added to read as follows:

         "9.4 Acts of default by Administaff are:

         a.       failure to pay wages of Staff;

         b.       failure to pay insurance premiums effecting Staff;

         c.       filing by or against Administaff for bankruptcy,
                  reorganization or appointment of a receiver, supervisor,
                  assignee, trustee, or liquidator over its assets or property,
                  Administaff's failure to meet any of its financial covenants,
                  or Client's reasonable belief Administaff is insolvent;

         d.       a material money judgment against Administaff which remains
                  unsatisfied for more than thirty (30) days and has not been
                  appealed;

         e.       failure to maintain required licenses;

         f.       violation of a material provision or obligation of
                  Administaff; or

         g.       failure to cooperate with Client in fulfilling any of Client's
                  obligations under this Agreement."

ARTICLE X. INDEMNITY

Article X., paragraph 10.1 shall be amended to read as follows:

         "10.1 Administaff hereby agrees to indemnify, defend and hold Client
harmless from and against any and all liability, expense (including cost of
investigation, court costs and reasonable attorneys' fees) and claims for damage
of any nature whatsoever, whether known or unknown and whether direct or
indirect, as though expressly set forth and described herein which Client may
incur, suffer, become liable for, or which may be asserted or claimed against
Client as a result of (i) Administaff failing to pay when due wages to Staff,
federal, state and local payroll

                                     Page 2

<PAGE>

taxes, if any, and health insurance premiums for participating Staff or to
secure workers' compensation insurance coverage for Staff after having its
invoice paid by Client or (ii) following exactly the advice and direction
provided by Administaff as it relates to Staff provided, however, that the
information supplied by Client and upon which Administaff based its advice and
direction was accurate and complete."

ARTICLE XI. REPRESENTATIONS, WARRANTIES AND AGREEMENT

Article XI., paragraph 11.11 shall be amended to read as follows:

         "11.11 Both parties warrant and represent to each other that prior to
entering into the Agreement, they have not engaged in any violations of federal,
state or local laws or regulations regarding wage and hour, unfair labor
practices or discrimination and that each party is current on the payment of all
wages, payroll taxes, and workers' compensation assessments and penalties, if
applicable."

Article XI., paragraph 11.19 shall be added to read as follows:

         "11.19 Administaff warrants it is in good standing with the State of
Texas."

ARTICLE XIII. MISCELLANEOUS

Article XIII., paragraph 13.2 shall be amended to read as follows:

         "13.2 Both parties agree to comply, at their sole cost and expense,
with any applicable specific directives promulgated by: (i) a federal, state or
local governmental body, department or agency, as applicable, to each parties
responsibilities under this Agreement and/or (ii) an insurance carrier providing
coverage to either party and/or Staff affecting this Agreement."

Article XIII., paragraph 13.3 shall be amended to read as follows:

         "13.3 Neither party shall assign this Agreement or its rights and
duties hereunder, or any interest herein, without the prior written consent of
the other party, which consent will not be unreasonably withheld and assignment
to a subsidiary or affiliate does not require consent."

Article XIII., paragraph 13.12 shall be added to read as follows:

         "13.12 Confidential Information does not include information (a)
received from a third party not employed or affiliated with Client provided that
such source is not known by Administaff to be bound by a confidentiality
agreement with, or contractual, legal or fiduciary obligation of confidentiality
to Client; (b) which is or becomes known to the public other than through the
breach of a confidentiality agreement; (c) which was within Administaff's
possession prior to its being furnished to Administaff by Client pursuant to
this Agreement, provided that the source of such information was not known to
Administaff to be bound by a confidentiality agreement with the Client; (d)
independently developed by Administaff without reference to the Confidential
Information; and (e) data, reports, records, files, historical pay information
of Staff

                                     Page 3

<PAGE>
and the like which are developed, generated or prepared as part of the usual
business of Administaff.

         a.       Administaff (for itself) acknowledges that Client possesses
         and utilizes trade secrets, confidential and proprietary business
         information, which information is not known or used by Client's
         competitors, and which information gives Client a business advantage
         over its competitors, and that this information includes, but is not
         limited to Client's services, support, contract pricing, margins and
         marketing and sales practices and policies, customer/potential customer
         lists and profiles, financial information, employment information and
         strategic plans ("Confidential Information").

         b.       Administaff agrees that any disclosure of such Confidential
         Information to the public or to Client's competitors would seriously
         damage Client and hinder its ability to do business and to compete.

         c.       Administaff agrees never to disclose any of Client's
         Confidential Information to any of Client's competitors, or to any
         person without the prior written approval of the President of Client.

         d.       Administaff agrees never to use any non-public personal
         information about Client's customers in any manner prohibited by Title
         V of the Gramm-Leach-Bliley Act or the regulations promulgated
         thereunder.

         e.       The duties and obligations set forth in this paragraph 13.12
         shall survive termination of this Agreement."

Article XIII., paragraph 13.13 shall be added to read as follows:

         "13.13 Administaff will provide notice of any state of Texas
disciplinary proceeding initiated against it."

         This Addendum is executed this 31 (RG) day of October, 2002 and
effective with the Client Service Agreement between the parties hereto, to which
it is attached and incorporated by reference.

ADMINISTAFF COMPANIES II, L.P.                         FRANKLIN BANK, S.S.B.
By: Administaff Companies, Inc., its General Partner

By: /s/ ROGER GASKONF                                  By: /s/ GLENN E. MEALEY
   -----------------------------                           ---------------------
Title: Vice President                                  Title: MANAGING DIRECTOR

                                     Page 4

<PAGE>
                                    EXHIBIT E

                          ADMINISTAFF'S CREDIT POLICY

This document sets forth the Credit Policy of Administaff Companies II, L.P.
("ASF"). The Financial Services Group of ASF administers this Credit Policy and
monitors clients for compliance. Failure of a client to comply with this Credit
Policy may result in financial default and/or immediate termination of the
Client Services Agreement ("CSA"). Exceptions to this Credit Policy may only be
made and are effective only if such exceptions are in writing signed by ASF's
Credit Services Manager or ASF's V.P. of Finance. ASF retains the right to
modify, amend, alter, add to or otherwise change this Credit Policy at any time
without notice.

A.       INVOICE PAYMENT- METHODS AND TIMING:

         1.       Payment Methods: Direct debit, wire transfer, and prepayment,
                  discussed below, are the only acceptable methods of payment:

                  a.       Direct Debit: The standard method for payment of
                           invoices by ASF clients is direct debit, which is a
                           form of an Automated Clearing House ("ACH") transfer.
                           Under this method, the client authorizes its bank to
                           accept a debit request by ASF from the client's
                           designated bank account. During the time period
                           required to set up the direct debit process (up to 30
                           days), the client will pay all invoices by wire
                           transfer.

                  b.       Wire Transfer: A client may also elect to pay
                           invoices by wire transfer. Under this method, the
                           client electronically remits funds from its bank
                           directly to ASF's designated bank account. The funds
                           are available to ASF on the same day the wire
                           transfer is sent. The client is responsible for all
                           fees charged by its bank for the transaction. ASF may
                           require a client to pay by wire transfer if the
                           client is determined by ASF, in ASF's sole
                           discretion, to be a credit risk or in other instances
                           where ASF determines, time is of the essence.

                  c.       Other Payment Methods: No other form of payment (e.g.
                           check, cashier's check, etc.) is acceptable without
                           the prior written approval from ASF's Credit Services
                           Manager and/or ASF's V.P of Finance.

         2.       Timing of Payment: In general, ASF will not release a payroll
                  until payment has been received from the client. The timing of
                  payments for the direct debit and wire transfer methods are as
                  follows:

                  a.       Direct Debit: Direct debits are initiated by ASF at
                           lease one business day prior to the payroll effective
                           date. If the client is using direct deposit, the
                           direct debit is initiated at least two business days
                           prior to the payroll effective date. A client using
                           direct debit for invoice payment must report payroll
                           to ASF's Payroll Services at least two business days
                           prior to the payroll effective date (three business
                           days if the client is also using direct deposit).

COPYRIGHT 2002, ADMINISTAFF COMPANIES II, L.P.

<PAGE>

      b. Wire Transfer: A wire transfer must be received by ASF at least one
         business day prior to the payroll effective date. If the client is
         using direct deposit, the wire transfer for the entire invoice amount
         must be received three business days prior to the payroll effective
         date. A client using a wire transfer for invoice payment must report
         payroll to ASF's Payroll Services at least two business days prior to
         the payroll effective date (four business days if the client is using
         direct deposit).

      c. Prepayment: Client provides funds for the estimated payroll to ASF via
         wire transfer on the first business day prior to the start of the
         payroll period.

   3. Payroll Effective Date: The payroll effective date cannot be more than
      fourteen days beyond the date of the payroll period. Standard payroll
      periods are weekly, biweekly and semimonthly. A monthly payroll period is
      considered an exception to policy and must be pre-approved by ASF's Credit
      Services Manager and/or ASF's V.P. of Finance. This requirement may not
      apply to client owners requesting a monthly pay frequency for themselves.

   4. Bonus Payroll. Direct debit clients will be required to pay invoices by
      wire transfer if any net check(s) in the bonus payroll exceeds $40,000.00.
      Those checks may be processed as a separate payroll so as not to affect
      the normal invoice payment method for the balance of the bonus payroll.
      ASF may, in ASF's sole discretion, reimburse the client for the cost of
      the wire transfer.

B. SECURING PAYMENT: ASF will monitor clients who have large dollar invoices
   and/or who are considered by ASF to be a credit risk. ASF reserves the right,
   at ASF's option, to request a client to provide financial statements and
   other information in order to evaluate the client's ability to timely pay
   invoices. ASF may require a client to comply with the following policies:

   1. Clients With Large Invoices: ASF may, at ASF's sole option, require a
      client with total monthly invoices in excess of $400,000.00 to prepay
      payroll invoices or maintain a "Standby Letter of Credit" or some other
      similar financial instrument in favor of ASF as security. The security
      used must remain available to ASF in the event of a client bankruptcy
      filing or default under CSA. The amount provided for as security must
      equal, at a minimum, the invoice amount of one payroll period plus, if the
      payroll is paid in arrears, the estimated amount represented by the period
      in arrears. ASF may, in its sole discretion, require additional security
      from Client if ASF determines it is necessary. ASF's Credit Services Group
      will calculate the amount required based on this formula. ASF's Credit
      Services Group will monitor clients for this security requirement. Advance
      notice may be provided to those clients who are approaching the security
      requirement.

   2. Credit Conditions: ASF's Credit Services Group will monitor clients'
      ability to timely meet their financial obligations to ASF. ASF reserves
      the right to place credit conditions on any client, if ASF determines in
      its sole discretion, that the client is or

COPYRIGHT 2002, ADMINISTAFF COMPANIES II, L.P.

<PAGE>
         has become a credit risk to ASF. The possible credit conditions include
         but are not limited to: (a) require the client to pay invoices by wire
         transfer; (b) require the client to immediately post a deposit in an
         amount determined by ASF to secure client's obligations under the CSA;
         (c) require the client to prepay its estimated obligations for a
         payroll period one (1) business day prior to the start of the payroll
         period; (d) require the client to immediately provide a non-revocable
         stand-by Letter of Credit in favor of ASF in an amount determined by
         ASF necessary to secure client's obligations arising under the CSA;
         and/or (e) require the client to provide other financial security
         acceptable to ASF.

C. FINANCIAL DEFAULT: ASF may immediately terminate the CSA upon a financial
default by a client in accordance with the terms and conditions of the CSA. A
financial default includes but is not limited to: (1) a client's failure to
comply with the terms of this Credit Policy; (2) a client's failure to timely
pay an invoice or fund a payroll; and (3) other acts of default as set forth in
the CSA. Failure of ASF to insist upon strict adherence of any terms or
conditions of this Credit Policy shall not constitute a waiver of such terms
and conditions or a waiver of any default.

COPYRIGHT 2002, ADMINISTAFF COMPANIES II, L.P.<PAGE>

                                                                   EXHIBIT 10.15

                                    AGREEMENT

                                     between

                             FISERV SOLUTIONS, INC.
                           5718 Westheimer, Suite 200
                              Houston, Texas 77057

                                       and

                                Franklin Bank, SSB
                              3750 Jefferson Street
                               Austin, Texas 78731

                                      Date:
                                     2/28/99

                                [FISERV(R) LOGO]

<PAGE>
AGREEMENT dated as of 2/28/99 ("Agreement") between FISERV SOLUTIONS, INC., a
Wisconsin corporation ("Fiserv"), and Franklin Bank, SSB, a Savings Bank
("Client").

         Fiserv and Client hereby agree as follows:

         1. Term. The initial term of this Agreement shall be five (5) years and
four (4) months, unless written notice of non-renewal is provided by either
party at least 180 days prior to expiration of the initial term or any renewal
term, this Agreement shall automatically renew for a renewal term of five (5)
years. This Agreement shall commence on the earliest of the day Fiserv Services
(as defined below) are first used by Client.

         2. Services. (a) Services Generally. Fiserv, itself and through its
affiliates, agrees to provide Client, and Client agrees to obtain from Fiserv
services ("Services") and products ("Products") (collectively, "Fiserv
Services") described in the available Exhibits, as follows:

         Exhibit A - Account Processing Services
         Exhibit B - Item Processing Services
         Exhibit C - EFT Services

Additional products and services may be adding during the term of this agreement
at the then current rates and fees by the addition of, but not limited to, any
one or all of the following exhibits.

         Exhibit D - Mortgage Processing Services
         Exhibit E - BankLink Products and Services
         Exhibit F - Wire Transfer Services
         Exhibit G - ACH Services
         Exhibit H - Development Services
         Exhibit I - Integration Services
         Exhibit J - HRIS Services
         Exhibit K - Card Services
         Exhibit L - Material Purchased Through Fiserv
         Exhibit M - Software Products
         Exhibit N - Support Services
         Exhibit O - Internet and Remote Banking Services

         The Exhibits set forth specific terms and conditions applicable to the
Services and/or Products, and, where applicable, the Fiserv affiliate so
performing. Client may select additional services and products from time to time
by incorporating an appropriate Exhibit to this Agreement.

         (b) Conversion Services. Fiserv will convert Client's existing
applicable data and/or information to the Fiserv Services. Those activities
designed to transfer the processing from Client's present servicer to the Fiserv
Services are referred to as "Conversion Services". Client agrees to cooperate
with Fiserv in connection with Fiserv's provision of Conversion Services and to
provide all necessary information and assistance to facilitate the conversion.
Client is responsible for all out-of-pocket expenses associated with the
Conversion Services. Fiserv will provide Conversion Services as required in
connection with Fiserv Services.

         (c) Training Services. Fiserv shall provide training, training aids,
user manuals, and other documentation for Client's use as Fiserv finds necessary
to enable Client personnel to become familiar with Fiserv Services. If requested
by Client, classroom training in the use and operation of Fiserv Services will
be provided at a training facility designated by Fiserv. All such training aids
and manuals remain Fiserv's property.

         3. Fees for Fiserv Services, (a) General. Client agrees to pay Fiserv:

         (i) fees for the prior month as specified in the Exhibits; Fees for
         Fiserv Services may be increased annually for cost of living based on
         the prior twelve (12) months' Consumer Price Index (CPI) or six percent
         (6%) whichever is higher.

         (ii) out-of-pocket charges for the prior month payable by Fiserv for
         the account of Client; and

         (iii) Taxes (as defined below) thereon (collectively, "Fees").

Upon notification to and acceptance by Client, Fiserv may increase its fees in
excess of amounts listed in the Exhibits in the event that Fiserv implements
major system enhancements to comply with changes in law, government regulation,
or industry practices.

         (b) Additional Charges. Fees for out-of-pocket expenses, such as
telephone, microfiche, courier, and other charges incurred by Fiserv for goods
or services obtained by Fiserv on Client's behalf shall be billed to Client at
cost plus the applicable Fiserv administrative fee. Such out-of-pocket expenses
may be changed from time to time upon notification of a fee change from a
vendor/provider.

         (c) Taxes. Fiserv shall add to each invoice any sales, use, excise,
value added, and other taxes and duties however designated that are levied by
any taxing authority relating to the
                                                              [FISERV(R) LOGO]
                                       2
<PAGE>
         (d) Exclusions. The Fees do not include, and Client shall be
responsible for, furnishing transportation or transmission of information
between Fiserv's service center(s), Client's site(s), and any applicable
clearing house, regulatory agency, or Federal Reserve Bank.

         (e) Payment Terms. Fees are due and payable monthly upon receipt of
invoice. Client shall pay Fiserv through the Automated Clearing House. In the
event any amounts due remain unpaid beyond the 30th day after payment is due,
Client shall pay a late charge of 1.5% per month. Client agrees that it shall
neither make nor assert any right of deduction or set-off from invoices
submitted by Fiserv for Fiserv Services.

         4. Access to Fiserv Services. (a) Procedures. Client agrees to comply
with applicable regulatory requirements and procedures for use of Services
established by Fiserv.

         (b) Changes. Fiserv continually reviews and modifies Fiserv systems
used in the delivery of Services (the "Fiserv System") to improve service and
comply with government regulations, if any, applicable to the data and
information utilized in providing Services. Fiserv reserves the right to make
changes in Services, including but not limited to operating procedures, type of
equipment or software resident at, and the location of Fiserv's service
center(s). Fiserv will notify Client of any material change that affects
Client's normal operating procedures, reporting, or service costs prior to
implementation of such change.

         (c) Communications Lines. Fiserv shall order the installation of
appropriate communication lines and equipment to facilitate Client's access to
Services. Client understands and agrees to pay charges relating to the
installation and use of such lines and equipment as set forth in the Exhibits.

         (d) Terminals and Related Equipment. Client shall obtain necessary and
sufficient terminals and other equipment, approved by Fiserv and compatible with
the Fiserv System, to transmit and receive data and information between Client's
location(s), Fiserv's service center(s), and/or other necessary location(s).
Fiserv and Client may mutually agree to change the type(s) of terminal and
equipment used by Client.

         5. Client Obligations, (a) Input. Client shall be solely responsible
for the input, transmission, or delivery to and from Fiserv of all information
and data required by Fiserv to perform Services unless Client has retained
Fiserv to handle such responsibilities, as specifically set forth in the
Exhibits. The information and data shall be provided in a format and manner
approved by Fiserv. Client will provide at its own expense or procure from
Fiserv all equipment, computer software, communication lines, and interface
devices required to access the Fiserv System. If Client has elected to provide
such items itself, Fiserv shall provide Client with a list of compatible
equipment and software; Client agrees to pay Fiserv's standard fee for
recertification of the Fiserv System resulting therefrom.

         (b) Client Personnel. Client shall designate appropriate Client
personnel for training in the use of the Fiserv System, shall supply Fiserv with
reasonable access to Client's site during normal business hours for Conversion
Services and shall cooperate with Fiserv personnel in their performance of
Services, including Conversion Services.

         (c) Use of Fiserv System. Client shall (i) comply with any operating
instructions on the use of the Fiserv System provided by Fiserv; (ii) review all
reports furnished by Fiserv for accuracy; and (iii) work with Fiserv to
reconcile any out of balance conditions. Client shall determine and be
responsible for the authenticity and accuracy of all information and data
submitted to Fiserv.

         (d) Client's Systems. Client shall be responsible for ensuring that its
systems are Year 2000 compliant and capable of passing and/or accepting date
formats from and/or to the Fiserv System.

         6. Ownership and Confidentiality. (a) Definition.

         (i) Client Information. "Client Information" means: (A) confidential
         plans, customer lists, information, and other proprietary material of
         Client that is marked with a restrictive legend, or if not so marked
         with such legend or is disclosed orally, is identified as confidential
         at the time of disclosure (and written confirmation thereof is promptly
         provided to Fiserv); and (B) any information and data concerning the
         business and financial records of Client's customers prepared by or for
         Fiserv, or used in any way by Fiserv in connection with the provision
         of Fiserv Services (whether or not any such information is marked with
         a restrictive legend).

         (ii) Fiserv Information. "Fiserv Information" means: (A) confidential
         plans, information, research, development, trade secrets, business
         affairs (including that of any Fiserv client, supplier, or affiliate),
         and other proprietary material of Fiserv that is marked with a
         restrictive legend, or if not so marked with such legend or is
         disclosed orally, is identified as confidential at the time of
         disclosure (and written confirmation thereof is promptly provided to
         Client); and (B) Fiserv's proprietary computer programs, including
         custom software modifications, software documentation and training
         aids, and all data, code, techniques, algorithms, methods, logic,
         architecture, and designs embodied or incorporated therein (whether or
         not any such information is marked with a restrictive legend).

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                                       3
<PAGE>
         (iii) Information. "Information" means Client Information and Fiserv
         Information. No obligation of confidentiality applies to any
         Information that the receiving party ("Recipient") (A) already
         possesses without obligation of confidentiality; (B) develops
         independently; or (C) rightfully receives without obligation of
         confidentiality from a third party. No obligation of confidentiality
         applies to any Information that is, or becomes, publicly available
         without breach of this Agreement.

         (b) Obligations. Recipient agrees to hold as confidential all
Information it receives from the disclosing party ("Discloser"). All Information
shall remain the property of Discloser or its suppliers and licensors.
Information will be returned to Discloser at the termination or expiration of
this Agreement. Recipient will use the same care and discretion to avoid
disclosure of Information as it uses with its own similar information that it
does not wish disclosed, but in no event less than a reasonable standard of
care. Recipient may use Information for any purpose that does not violate such
obligation of confidentiality. Recipient may disclose Information to (i)
employees and employees of affiliates who have a need to know; and (ii) any
other party with Discloser's written consent. Before disdosure to any of the
above parties, Recipient will have a written agreement with such party
sufficient to require that party to treat Information in accordance with this
Agreement. Recipient may disclose Information to the extent required by law.
However, Recipient agrees to give Discloser prompt notice so that it may seek a
protective order. The provisions of this sub-section survive any termination or
expiration of this Agreement.

         (c) Residuals. Nothing contained in this Agreement shall restrict
Recipient from the use of any ideas, concepts, know-how, or techniques
contained in Information that are related to Recipient's business activities
("Residuals"), provided that in so doing, Recipient does not breach its
obligations under this Section. However, this does not give Recipient the right
to disclose the Residuals except as set forth elsewhere in this Agreement.

         (d) Fiserv System. The Fiserv System contains information and computer
software that are proprietary and confidential information of Fiserv, its
suppliers, and licensors. Client agrees not to attempt to circumvent the devices
employed by Fiserv to prevent unauthorized access to the Fiserv System,
including, but not limited to, alterations, decompiling, disassembling,
modifications, and reverse engineering thereof.

         (e) Confidentiality of this Agreement. Fiserv and Client agree to keep
confidential the prices, terms and conditions of this Agreement, without
disclosure to third parties.

         7. Regulatory Agencies, Regulations and Legal Requirements. (a) Client
Files. Records maintained and produced for Client ("Client Files") may be
subject to examination by such Federal, State, or other governmental regulatory
agencies as may have jurisdiction over Client's business to the same extent as
such records would be subject if maintained by Client on its own premises.
Client agrees that Fiserv is authorized to give all reports, summaries, or
information contained in or derived from the data or information in Fiserv's
possession relating to Client when formally requested to do so by an authorized
regulatory or government agency.

         (b) Compliance with Regulatory Requirements. Client agrees to comply
with applicable regulatory and legal requirements, including without limitation:

         (i) submitting a copy of this Agreement to the appropriate regulatory
         agencies prior to the date Services commence;

         (ii) providing adequate notice to the appropriate regulatory agencies
         of the termination of this Agreement or any material changes in
         Services;

         (iii) retaining records of its accounts as required by regulatory
         authorities;

         (iv) obtaining and maintaining, at its own expense, any Fidelity Bond
         required by any regulatory or governmental agency; and

         (v) maintaining, at its own expense, such casualty and business
         interruption insurance coverage for loss of records from fire,
         disaster, or other causes, and taking such precautions regarding the
         same, as may be required by regulatory authorities.

         8.Warranties. (a) Fiserv Warranties. Fiserv represents and warrants
that:

         (i)(A) Services will conform to the specifications set forth in the
         Exhibits; (B) Fiserv will perform Client's work accurately provided
         that Client supplies accurate data and information, and follows the
         procedures described in all Fiserv documentation, notices, and advices;
         (C) Fiserv personnel will exercise due care in provision of Services;
         (D) the Fiserv System will comply in all material respects with all
         applicable Federal and State regulations governing Services; and (E)
         the Fiserv System is or will be Year 2000 compliant. In the event of an
         error or other default caused by Fiserv personnel, systems, or
         equipment, Fiserv shall correct the data or information and/or
         reprocess the affected item or report at no additional cost to Client.
         Client agrees to supply Fiserv with a written request for correction of
         the error within 7 days after Client's receipt of the work containing
         the error. Work reprocessed due to errors in data supplied by Client,
         an Client's behalf by a third party, or by Client's
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<PAGE>

         failure to follow procedures set forth by Fiserv shall be billed to
         Client at Fiserv's then current time and material rates; and

         (ii) it owns or has a license to furnish all equipment or software
         comprising the Fiserv System. Fiserv shall indemnify Client and hold it
         harmless against any claim or action that alleges that the Fiserv
         System use infringes a United States patent, copyright, or other
         proprietary right of a third party. Client agrees to notify Fiserv
         promptly of any such claim and grants Fiserv the sole right to control
         the defense and disposition of all such claims. Client shall provide
         Fiserv with reasonable cooperation and assistance in the defense of any
         such claim.

THE WARRANTIES STATED ABOVE ARE LIMITED WARRANTIES AND ARE THE ONLY WARRANTIES
MADE BY FISERV. FISERV DOES NOT MAKE, AND CLIENT HEREBY EXPRESSLY WAIVES, ALL
OTHER WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE. THE STATED EXPRESS WARRANTIES ARE IN LIEU OF ALL LIABILITIES
OR OBLIGATIONS OF FISERV FOR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE
DELIVERY, USE, OR PERFORMANCE OF FISERV SERVICES.

         (b) Client Warranties. Client represents and warrants that: (A) no
contractual obligations exist that would prevent Client from entering into this
Agreement; (B) it has complied with all applicable regulatory requirements; and
(C) Client has requisite authority to execute, deliver, and perform this
Agreement. Client shall indemnify and hold harmless Fiserv, its officers,
directors, employees, and affiliates against any claims or actions arising out
of (X) the use by Client of the Fiserv System in a manner other than that
provided in this Agreement; and (Y) any and all claims by third parties through
Client arising out of the performance and non-performance of Fiserv Services by
Fiserv, provided that the indemnity listed in clause (Y) hereof shall not
preclude Client's recovery of direct damages pursuant to the terms and subject
to the limitations of this Agreement.

         9. Limitation of Liability. (a) General. IN NO EVENT SHALL FISERV BE
LIABLE FOR LOSS OF GOODWILL, OR FOR SPECIAL, INDIRECT, INCIDENTAL, OR
CONSEQUENTIAL DAMAGES ARISING FROM CLIENT'S USE OF FISERV SERVICES, OR FISERV'S
SUPPLY OF EQUIPMENT OR SOFTWARE, REGARDLESS OF WHETHER SUCH CLAIM ARISES IN TORT
OR IN CONTRACT. CLIENT MAY NOT ASSERT ANY CLAIM AGAINST FISERV MORE THAN 2 YEARS
AFTER SUCH CLAIM ACCRUED. FISERV'S AGGREGATE LIABILITY FOR ANY AND ALL CAUSES OF
ACTION RELATING TO SERVICES SHALL BE LIMITED TO THE TOTAL FEES PAID BY CLIENT TO
FISERV FOR SERVICES RESULTING IN SUCH LIABILITY IN THE 2 MONTH PERIOD PRECEDING
THE DATE THE CLAIM ACCRUED. FISERV'S AGGREGATE LIABILITY FOR A DEFAULT RELATING
TO EQUIPMENT OR SOFTWARE SHALL BE LIMITED TO THE AMOUNT PAID BY CLIENT FOR THE
EQUIPMENT OR SOFTWARE.

         (b) Lost Records. If Client's records or other data submitted for
processing are lost or damaged as a result of any failure by Fiserv, its
employees, or agents to exercise reasonable care to prevent such loss or damage,
Fiserv's liability on account of such loss or damages shall not exceed the
reasonable cost of reproducing such records or data from exact duplicates
thereof in Client's possession.

         10. Disaster Recovery. (a) General. Fiserv maintains a disaster
recovery plan ("Disaster Recovery Plan") for each Service. A "Disaster" shall
mean any unplanned interruption of the operations of or inaccessibility to
Fiserv's service center in which Fiserv, using reasonable judgment, requires
relocation of processing to a recovery location. Fiserv shall notify Client as
soon as possible after Fiserv deems a service outage to be a Disaster. Fiserv
shall move the processing of Client's standard services to a recovery location
as expeditiously as possible and shall coordinate the cut-over to back-up
telecommunication facilities with the appropriate carriers. Client shall
maintain adequate records of all transactions during the period of service
interruption and shall have personnel available to assist Fiserv in implementing
the switchover to the recovery location. During a Disaster, optional or
on-request services shall be provided by Fiserv only to the extent adequate
capacity exists at the recovery location and only after stabilizing the
provision of base services.

         (b) Communications. Fiserv shall work with Client to establish a plan
for alternative communications in the event of a Disaster.

         (c) Disaster Recovery Test. Fiserv shall test the Disaster, Recovery
Plan periodically. Client agrees to participate in and assist Fiserv with such
test, if requested by Fiserv. Upon Client request, test results will be made
available to Client's management, regulators, auditors, and insurance
underwriters.

         (d) Client Plans. Fiserv agrees to release information necessary to
allow Client's development of a disaster recovery plan that operates in concert
with the Disaster Recovery Plan.

         (e) No Warranty. Client understands and agrees that the Disaster
Recovery Plan is designed to minimize, but not eliminate, risks associated with
a Disaster affecting Fiserv's service center(s). Fiserv does not warrant that
Fiserv Services will be uninterrupted or error free in the event of a Disaster;
no performance standards shall be applicable for the duration of a Disaster.
Client maintains responsibility for adopting a disaster recovery plan relating
to disasters affecting Client's facilities

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                                       5

<PAGE>
and for securing business interruption insurance or other insurance necessary
for Client's protection.

         11. Termination. (a) Material Breach. Except as provided elsewhere in
this Section 11, either party may terminate this Agreement in the event of a
material breach by the other party not cured within 90 days following written
notice stating, with particularity and in reasonable detail, the nature of the
claimed breach.

         (b) Failure to Pay. In the event any invoice remains unpaid by Client
30 days after due, or Client deconverts any data or information from the Fiserv
System without prior written consent of Fiserv, Fiserv, at its sole option, may
terminate this Agreement and/or Client's access to and use of Fiserv Services.
Any invoice submitted by Fiserv shall be deemed correct unless Client provides
written notice to Fiserv within 15 days of the invoice date specifying the
nature of the disagreement.

         (c) Remedies. Remedies contained in this Section 11 are cumulative and
are in addition to the other rights and remedies available to Fiserv under this
Agreement, by law or otherwise.

         (d) Defaults. If Client:

         (i) defaults in the payment of any sum of money due;

         (ii) breaches this Agreement in any material respect or otherwise
         defaults in any material respect in the performance of any of its
         obligations; or

         (iii) commits an act of bankruptcy or becomes the subject of any
         proceeding under the Bankruptcy Code or becomes insolvent or if any
         substantial part of Client's property becomes subject to any levy,
         seizure, assignment, application, or sale for or by any creditor or
         governmental agency;

then, in any such event, Fiserv may, upon written notice, terminate this
Agreement and be entitled to recover from Client as liquidated damages an amount
equal to the present value of all payments remaining to be made hereunder for
the remainder of the initial term or any renewal term of this Agreement. For
purposes of the preceding sentence, present value shall be computed using the
"prime" rate (as published in The Wall Street Journal) in effect at the date of
termination and "all payments remaining to be made" shall be calculated based on
the average bills for the 3 months immediately preceding the date of
termination. Client agrees to reimburse Fiserv for any expenses Fiserv may
incur, including reasonable attorneys' fees, in taking any of the foregoing
actions.

         (e) Convenience. Client may terminate this Agreement during any term by
paying a termination fee based on the remaining unused term of this Agreement,
the amount to be determined by multiplying Client's largest monthly invoice for
each Fiserv Service received by Client during the term (or if no monthly invoice
has been received, the sum of tie estimated monthly billing for each Fiserv
Service to be received hereunder) by 80% times the remaining months of the term,
plus any unamortized conversion fees or third party costs existing on Fiserv's
books on the date of termination. Client understands and agrees that Fiserv
losses incurred as a result of early termination of the Agreement would be
difficult or impossible to calculate as of the effective date of termination
since they will vary based on, among other things, the number of clients using
the Fiserv System on the date the Agreement terminates. Accordingly, the amount
set forth in the first sentence of this subsection represents Client's agreement
to pay and Fiserv's agreement to accept as liquidated damages (and not as a
penalty) such amount for any such Client termination.

         (f) Merger. In the event of a merger between Client and another
organization in which Client is not the surviving organization and where the
other organization was not previously a user of Fiserv services similar to the
Services, Fiserv will allow an early termination of this Agreement upon the
following terms and conditions:

         (i) written notice must be given 3 months in advance, specifying the
         termination date;

         (ii) Fiserv may specify a deconversion date based on its previous
         commitments and work loads; and

         (iii) Fiserv may charge a termination fee in accordance with subsection
         (e) above.

         (g) Return of Data Files. Upon expiration or termination of this
Agreement, Fiserv shall furnish to Client such copies of Client Files as Client
may request in Fiserv's standard machine readable format along with such
information and assistance as is reasonable and customary to enable Client to
deconvert from the Fiserv System, provided, however, that Client consents and
agrees and authorizes Fiserv to retain Client files until (i) Fiserv is paid in
full for (A) all Services provided through the date such Client Files are
returned to Client; and (B) any and all other amounts that are due or will
become due under this Agreement; (ii) Fiserv is paid its then standard rates for
the services necessary to return such Client Files; (iii) if this Agreement is
being terminated, Fiserv is paid any applicable termination fee pursuant to
subsection (d), (e), or (f) above; and (iv) Client has returned to Fiserv all
Fiserv Information. Unless directed by Client in writing to the contrary, Fiserv
shall be permitted to destroy Client Files any time after 30 days from the final
use of Client files for processing.

         (h) Miscellaneous. Client understands and agrees that Client is
responsible for the deinstallation and return shipping of any Fiserv-owned
equipment located on Client's premises.
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                                       6
<PAGE>
        12. Arbitration. (a) General. Except with respect to disputes arising
from a misappropriation or misuse of either party's proprietary rights, any
dispute or controversy arising out of this Agreement, or its interpretation,
shall be submitted to and resolved exclusively by arbitration under the rules
then prevailing of the American Arbitration Association, upon written notice of
demand for arbitration by the party seeking arbitration, setting forth the
specifics of the matter in controversy or the claim being made. The arbitration
shall be heard before an arbitrator mutually agreeable to the parties; provided,
that if the parties cannot agree on the choice of arbitrator within 10 days
after the first party seeking arbitration has given written notice, then the
arbitration shall be heard by three arbitrators, one chosen by each party, and
the third chosen by those two arbitrators. The arbitrators will be selected from
a panel of persons having experience with and knowledge of information
technology and at least one of the arbitrators selected will be an attorney. A
hearing on the merits of all claims for which arbitration is sought by either
party shall be commenced not later than 60 days from the date demand for
arbitration is made by the first party seeking arbitration. The arbitrator(s)
must render a decision within 10 days after the conclusion of such hearing. Any
award in such arbitration shall be final and binding upon the parties and the
judgment thereon may be entered in any court of competent jurisdiction.

         (b) Applicable Law. The arbitration shall be governed by the United
States Arbitration Act, 9 U.S.C. 1-16. The arbitrators shall apply the
substantive law of the State of Texas, without reference to provisions relating
to conflict of laws. The arbitrators shall not have the power to alter, modify,
amend, add to, or subtract from any term or provision of this Agreement, nor to
rule upon or grant any extension, renewal, or continuance of this Agreement. The
arbitrators shall have the authority to grant any legal remedy available had the
parties submitted the dispute to a judicial proceeding.

         (c) Situs. If arbitration is required to resolve any disputes between
the parties, the proceedings to resolve the first such dispute shall be held in
Houston, Texas, the proceedings to resolve the second such dispute shall be held
in San Antonio, Texas, and the proceedings to resolve any subsequent disputes
shall alternate between Houston, Texas and San Antonio, Texas.

         13. Insurance. Fiserv carries the following types of insurance
policies:

         (i) Comprehensive General Liability in an amount not less than $1
         million per occurrence for claims arising out of bodily injury and
         property damage;

         (ii) Commercial Crime covering employee dishonesty in an amount not
         less than $5 million;

         (iii) All-risk property coverage including Extra Expense and Business
         Income coverage; and

         (iv) Workers Compensation as mandated or allowed by the laws of the
         state in which Services are being performed, including $500,000
         coverage for Employer's Liability.

         14. Audit. Fiserv employs an internal auditor responsible for ensuring
the integrity of its processing environments and internal controls. In addition,
Fiserv provides for periodic independent audits of its operations. Fiserv shall
provide Client with a copy of the audit of the Fiserv service center providing
Services within a reasonable time after its completion and shall charge each
client a fee based on the pro rata cost of such audit. Fiserv shall also provide
a copy of such audit to the appropriate regulatory agencies, if any, having
jurisdiction over Fiserv's provision of Services.

         15. General. (a) Binding Agreement. This Agreement is binding upon the
parties and their respective successors and permitted assigns. Neither this
Agreement nor any interest may be sold, assigned, transferred, pledged, or
otherwise disposed of by Client, whether pursuant to change of control or
otherwise, without Fiserv's prior written consent. Client agrees that Fiserv may
subcontract any Services to be performed hereunder. Any such subcontractors
shall be required to comply with all applicable terms and conditions.

         (b) Entire Agreement. This Agreement, including its Exhibits, which are
expressly incorporated herein by reference, constitutes the complete and
exclusive statement of the agreement between the parties as to the subject
matter hereof and supersedes all previous agreements with respect thereto.
Modifications of this Agreement must be in writing and signed by duly authorized
representatives of the parties. Each party hereby acknowledges that it has not
entered into this Agreement in reliance upon any representation made by the
other party not embodied herein. In the event any of the provisions of any
Exhibit are in conflict with any of the provisions of this Agreement, the terms
and provisions of this Agreement shall control unless the Exhibit in question
expressly provides that its terms and provisions shall control.

         (c) Severability. If any provision of this Agreement is held to be
unenforceable or invalid, the other provisions shall continue in full force and
effect.

         (d) Governing Law. This Agreement will be governed by the substantive
laws of the State of Texas, without reference to provisions relating to conflict
of laws. The United Nations Convention of Contracts for the International Sale
of Goods shall not apply to this Agreement.

         (e) Force Majeure. Neither party shall be responsible for delays or
failures in performance resulting from acts reasonably beyond the control of
that party.
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                                       7
<PAGE>
         (f) Notices. Any written notice required or permitted to be given
hereunder shall be given by: (i) Registered or Certified Mail, Return Receipt
Requested, postage prepaid; (ii) confirmed facsimile; or (iii) nationally
recognized courier service to the other party at the addresses listed on the
cover page or to such other address or person as a party may designate in
writing. All such notices shall be effective upon receipt.

         (g) No Waiver. The failure of either party to insist on strict
performance of any of the provisions hereunder shall not be construed as the
waiver of any subsequent default of a similar nature.

         (h) Financial Statements. Fiserv shall provide Client and the
appropriate regulatory agencies so requiring a copy of Fiserv, Inc.'s audited
consolidated financial statements.

         (i) Prevailing Party. The prevailing party in any arbitration, suit, or
action brought against the other party to enforce the terms of this Agreement or
any rights or obligations hereunder, shall be entitled to receive its reasonable
costs, expenses, and attorneys' fees of bringing such arbitration, suit, or
action.

         (j) Survival. All rights and obligations of the parties under this
Agreement that, by their nature, do not terminate with the expiration or
termination of this Agreement shall survive the expiration or termination of
this Agreement.

         (k) Exclusivity. Client agrees that Fiserv shall be the sole and
exclusive provider of the services that are the subject matter of this
Agreement. For purposes of the foregoing, the term "Client" shall include Client
affiliates. During the term of this Agreement, Client agrees not to enter into
an agreement with any other entity to provide these services (or similar
services) without Fiserv's prior written consent. If Client acquires another
entity, the exclusivity provided to Fiserv hereunder shall take effect with
respect to such acquired entity as soon as practicable after termination of such
acquired entity's previously existing arrangement for these services. If Client
is acquired by another entity, the exclusivity provided to Fiserv hereunder
shall apply with respect to the level or volume of these services provided
immediately prior to the signing of the definitive acquisition agreement
relating to such acquisition and shall continue with respect to the level or
volume of these services until any termination or expiration of this Agreement.

         (l) Recruitment of Employees. Client agrees not to hire Fiserv's
employees during the term of this Agreement and for a period of 6 months after
any termination or expiration thereof, except with Fiserv's prior written
consent.

         IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their duly authorized representatives as of the date indicated
below.

For Client:                            For Fiserv:
Franklin Bank, SSB                     FISERV SOLUTIONS, INC.

By:                                    By:
   -------------------------------        --------------------------------

Name:                                  Name:

Title:                                 Title:

Date: 2-25-99                          Date: 2-27-99

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                                       8

<PAGE>

                                                                       Exhibit A

                           Account Processing Services

         Client agrees with Fiserv as follows:

         1. Services. Fiserv will provide Client the Account Processing Services
("Account Processing Services") specified in Exhibit A-1.

         2. Fees. Client shall pay Fiserv fees and other charges for
Account Processing Services specified in Exhibit A-2.

         3. Responsibility for Accounts. Client shall be responsible for
balancing its accounts each business day and notifying Fiserv immediately of any
errors or discrepancies. Provided that Client immediately notifies Fiserv of any
discrepancy in Client's accounts, Fiserv shall, at its expense, promptly
recompute accounts affected by discrepancies solely caused by the Fiserv Systems
or provide for another mutually agreeable resolution. Fiserv will use its
commercially reasonable efforts to correct errors attributable to Client or
Client's other third party servicers. Reconstruction of error conditions
attributable to Client or to third parties acting on Client's behalf will be
done at prevailing rates as set forth in Exhibit A-2.

         4. Annual Histories. Fiserv currently maintains annual histories, where
applicable, for its clients. These histories can be used to reconstruct Client
Files in an emergency. However, in order to permit prompt and accurate
reconstruction of accounts, Client agrees to retain at all times and make
available to Fiserv upon request the most recent data printout(s) received from
Fiserv, together with copies or other accurate and retrievable records of all
transactions to be reflected on the next consecutive printout(s).

         5. Hours of Operation. Account Processing Services will be available
for use by Client during standard Fiserv business hours, excluding holidays, as
specified in Exhibit A-3. Account Processing Services may be available during
additional hours, during which time Client may use Services at its option and
subject to additional charges.

         6. Protection of Data. (a) For the purpose of compliance with
applicable government regulations, Fiserv has an operations backup center, for
which Client agrees to pay the charges indicated in Exhibit A-2. Copies of
transaction files are maintained by Fiserv off premises in secured vaults.

         (b) Fiserv provides "on-line" security via utilization of leased lines
with poll/select protocol.

         (c) Upon Client providing access to Client Files through Client's
customers' personal computers or voice response system, Client agrees to
indemnify and hold harmless Fiserv, its officers, directors, employees, and
affiliates against any claims or actions arising out of such access to Client
Files or any Fiserv files (including the files of other Fiserv clients) or the
Fiserv System or other Fiserv systems.

         7. Processing Priority. Fiserv does not subscribe to any processing
priority; all users receive equal processing consideration.

         8. Forms and Supplies. Client assumes and will pay the charges for all
customized forms, supplies, and delivery charges. Custom forms ordered through
Fiserv will be subject to a 10% administrative fee for warehousing and inventory
control. Forms ordered by Client and warehoused at Fiserv will be subject to the
administrative fee set forth in Exhibit A-2.

         9. Regulatory Supervision. By entering into this Agreement, Fiserv
agrees that the Office of Thrift Supervision, FDIC, or other regulatory agencies
having authority over Client's operations shall have the authority and
responsibility provided to the regulatory agencies pursuant to the Bank Service
Corporation Act, 12 U.S.C. 1867(C) relating to services performed by contract or
otherwise.

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                                       9

<PAGE>
                                                                     Exhibit A-1

                          Account Processing Services

FISERV RESPONSIBILITIES

         Fiserv will provide Client with the following services for the fees and
charges in Exhibit A-2.

BASE SERVICES:

         A.       Account Processing:

                  -        DDA

                  -        Overdraft Checking (Check Loan)

                  -        On-Line Commercial Account Analysis

                  -        NOW/MMA

                  -        Savings

                  -        CDs

                  -        IRAs

                  -        Loans

         B.       Additional Services:

                  -        CIS with Customer Profitability and Quarterly Report
                           of Customers by Profit Contribution

                  -        On-Line Report Writer and File Download

                  -        ACH Receiving

                  -        Optical Disk File Download

                  -        One (1) Credit Bureau Tape Monthly

                  -        On-line NSF Processing

NETWORK SUPPORT SERVICES:

         -        Poll Select line between Fiserv's account processing center
                  and Client's primary banking location.

CONVERSION SERVICES:

         -        Executive Overview and Planning Session - outlines the effort
                  and resources required for implementation and planning of the
                  project and tasks required.

         -        Application Training - training in the functions and
                  operations of the Account Processing Services software.

         -        Conversion Specifications and Program Construction - writing
                  of conversion specifications, translation into program code
                  and testing.

         -        Quality Acceptance and Daily Testing - review of converted
                  data and daily processing by Fiserv.

         -        Data Verification - review and verification of converted data
                  and daily processing by Client and Fiserv project teams.

         -        Conversion Readiness - final review of converted data,
                  procedures, daily processing, workflow, balancing, and
                  additional familiarization with functionality by Client.

         -        Live Conversion - initial production implementation

         -        Post Project Review - turnover of Client to Fiserv's Project
                  Manager for evaluation of conversion process by Client.

TRAINING:

         -        Initial training provided as part of Conversion Services

         -        Refresher training available

CLIENT SUPPORT:

         -        Staffing and maintenance to undertake investigations,
                  inquiries, and problem resolution associated with the
                  Application Processing Services software.

         -        Applications support personnel will be available to assist and
                  support Client's support services staff.

CLIENT RESPONSIBILITIES

         Client will be responsible for the following activities:
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                                       10
<PAGE>

PERSONNEL:

         -        Conversion Project Manager

         -        Staff necessary to assist in Conversion Services

         -        Courier services for delivery of data

THIRD PARTY SOFTWARE:

         -        Evaluation, selection, licensing, and procurement of
                  maintenance for third party application software (to be
                  operated by Fiserv on Client's behalf) as mutually agreed by
                  Fiserv and Client.

         -        Obtain any necessary consents to utilize third party software
                  licensed to Client as of the Effective Date, which consents
                  shall be provided to Fiserv (the obtaining of such consents
                  shall be a condition precedent to performance by Fiserv of its
                  obligations).

         -        Advising Fiserv of any connections, upgrades, or enhancements
                  that become available from third party vendors so that they
                  may be installed on a mutually agreeable schedule and in
                  accordance with the third party vendor's recommended time
                  schedule.

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                                       11

<PAGE>

                                                         Exhibit A-1 (Continued)

                    Available CustomerFile Reports/Frequency

<TABLE>
<S>                                                        <C>
NR-15 New Customer Account Report                          Daily
NR-16 Miscellaneous Income Assessed and Collected          Daily
NR-17 Report of Waived Service-Late Charge                 Daily
NR-18 Large Debit-Credit and Balance Change                Daily
NR-19 Automatic-Internally Generated Debits/Credits        Daily
NR-20 Overdraft Report                                     Daily
NR-21 Debits in Excess of Opening Balance                  Daily
NR-22 Large Average Balance                                Daily
NR-24 Paid Loan Journal                                    Daily
NR-26 Not Sufficient Funds List (Officer)                  Daily
NR-27 Not Sufficient Funds List (Branch)                   Daily
NR-28 Commercial Analysis Activity                         Daily
NR-29 Uncollected Balance Violations                       Daily
NR-30 Selected Class Report                                Daily
NR-31 Special Overdraft Report                             Daily
NR-32 Time Accounts Balance and Rate Analysis              Daily
NR-33 CD Matured, Not Yet Redeemed/Renewed Today           Daily
NR-34 Savings Journal for Interest Checks                  Daily
NR-35 Disposition of Internal Withholding                  Daily
NR-36 Loan Coupon Order Report                             Weekly
NR-37 ACH Origination                                      Daily
NR-39 Dormant and Inactive Account Activity                Daily
NR-40 Unposted Dollar Transaction Journal                  Daily
NR-41 Unposted Non-Dollar Transaction Journal              Daily
NR-43 New and Released Stops and Holds                     Daily
NR-44 Closed - Zero Balance & Pending Purge Report         Daily
NR-45 File Maintenance Report                              Daily
NR-46 Purged Accounts                                      Daily
NR-47 Static File Changes - Names Only                     Daily
NR-48 Stop Payment Suspects                                Daily
NR-50 Payments on Delinquent Loans                         Daily
NR-51 Earned Discount                                      Daily
NR-55 Dealer Wholesale Outstanding Report                  Daily
NR-58 Audit Exception Report                               Daily
NR-59 Overdraft Loan Financial Statement Report            Daily
NR-60 Convenience Credit Report                            Daily
NR-61 Large Beginning Balance Report (On Request)          Daily
NR-62 Interest Exception and Adjustments                   Daily
NR-63 ATM Card Order/Reorder Report                        Daily
NR-64 Recycles for Next Processing Day                     Daily
NR-65 Current Interest Index Report                        Daily
NR-66 Large Cash Transaction Report                        Daily
NR-67 Over-the-Counter Transaction Report                  Daily
NR-69 Loan Exception Report                                Daily
NR-70 Daily Loan Delinquent Report (On Request)            Daily
NR-71 Daily Loan Delinquent Report (On Request)            Daily
NR-72 Participation Trial Balance                          Daily
NR-73 Commitment Trial Balance                             Daily
NR-74 Daily Dealer Reserve Report                          Daily
NR-75 Future Maturities/Reviews by Office Code             Daily
NR-76 Commitment Posting Journal                           Daily
NR-77 CLS Accounting Summary                               Daily
</TABLE>

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                                       12

<PAGE>

<TABLE>
<S>                                                        <C>
NR-87 NOW Account Interest                                 Daily
NR-88 Updated Class Totals                                 Daily
NR-89 Masterfile Exception Report                          Daily
NR-92 Deposit Master Report                                Daily
NR-94 CLS Master Report                                    Daily
NR-95 Account Analysis Statement                           Daily
NR-96 List Post Transactions                               On Occurrence - N/C
NR-99 Inactive/Unused Reports List                         Daily
CF140 CIF Mixed Item Exception Entry Report                Daily
CF150 CIF Sit Entry                                        Daily
CF188 Transaction Merge Report                             Daily
CF190 Transaction Deletion Journal                         Daily
CF194 Cash Link Transfer Report                            Daily
CF302 Supplemental Trial Balance                           Daily
CF303 Trial Balance/Posting Journal                        Daily
CF306 Dollar Tran Report                                   Daily
CF341 Exception Items Report                               Daily
CF090 Combined Customer Statements                         Daily
-    Overdraft Notices                                     Daily
-    NSF Notices                                           Daily
-    Return Check Notices                                  Daily
-    Advanced Maturity Notice                              Daily
-    Automatic Renewal Notice                              Daily
-    Interest Earned on CD Notice                          Daily
-    Reference Number Change Notice                        Daily
-    Transfer of Funds Notice                              Daily
-    Payment Reminder Notices                              Daily
-    Past Due Notices                                      Daily
-    Loan Collection Notices                               Daily
-    Certificate Maturity Notice                           Daily
-    ODL Cash Advance Notice                               Daily
-    Account Analysis Notices                              Daily
-    Return Deposit Notice                                 Daily
-    Debit Reversal Notice                                 Daily
-    Cash Management Notices                               Daily
-    CD Interest Checks                                    Weekly
-    Christmas Club Checks                                 Annually on Request
-    Interest Notices (1099s)                              Annually on Request
YE-01 Customer Interest - Tax Information                  Annually No Addl. Chg.
YE-02 Customer Interest - Corrections                      IRS Tape
PEN01 Pension Journals                                     Annually No Addl. Chg.
5498 Pension Statements                                    Annually on Request
MR-06 Dealer Trial Balance                                 On Request
MR-09 Soci-Economic Customer Dispersion                    On Request
MR-10 Geographical Dispersion                              On Request
MR-11 Credit Life insurance Report                         On Request
MR-12 ODL Credit Review Report                             On Request
MR-13 Overdraft Loan Past Due Account Report by Class      On Request
MR-14 Overdraft Loan Past Due Account Report by Days       Monthly
MR-15 Overdraft Loan Market Penetration Report             On Request
MR-17 ODL Customer Balance Report                          On Request
MR-19 ODL Business Statistics                              On Request
MR-23 CD Maturity Schedule                                 Monthly
MR-25 Report of CD over $100,000                           Monthly
MR-26 Time Account Masterfile Information                  Monthly
</TABLE>

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                                       13

<PAGE>

<TABLE>
<S>                                                        <C>
MR-27 IRA Trial Balance                                    Monthly
MR-28 IRA Exception Report                                 Monthly
MR-29 Time Account Upcoming Maturities Report              Monthly
MR-30 Withholding YTD Report                               Monthly
MR-32 Average Balance Report - DDA, Sav & CD               On Request
MR-33 High Average Balance Report, DDA, Sav & CD/>10,000   On Request
MR-34 Stop and Hold Report                                 Monthly
MR-35 Dormant Account Report                               Monthly
MR-40 CLS Delinquent Report by Class - CLS                 On Request
MR-41 CLS Delinquent Report by Dealer - CLS                On Request
MR-42 CLS Delinquent Report by Days - CLS                  On Request
MR-49 Analysis of Outstanding Loan Balances                On Request
MR-50 Comparison of Monthly Loan Volume                    On Request
MR-52 Charge off Loan Report by Officer                    Monthly
MR-53 Charge off Loan Analysis                             Monthly
MR-55 CLS Prime Rate                                       On Request
MR-61 Combined Loan Trial Balance                          On Request
MR-62 Loans By Risk Code, Emp. Class, Grade Code           On Request
MR-63 Loan Document Tracking                               On Request
MR-64 Note Fees/Cost Amortization Totals (FASB91)          On Request
MR-65 Call Code Report (Dep. & Loan)                       On Request
MR-66 Direct/Indirect Liability Report                     On Request
MR-67 Customer Average Balance Report - All Applications   On Request
MR-68 Financial Statement Due Report                       On Request
MR-69 Monthly Comparative Analysis Report                  On Request
MR-71 Delinquent Loan Report (Optional)                    Semi - Monthly
MR-72 Past Due Officer Summary                             On Request
MR-76 Account Status Tracking                              Monthly
MR-77 Asset and Liability Sensitivity                      Monthly
MR-78 Loan Payment Due Schedule                            Monthly
MR-90 Financial Statement Worksheet - By Customer          On Request
</TABLE>

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                                       14

<PAGE>

                                                         Exhibit A-1 (Continued)

             Available CustomerFile General Ledger Reports/Frequency

<TABLE>
<S>                                                        <C>
General Ledger Trial Balance                               Daily
Due From Banks                                             Daily
Daily Error Journal                                        Daily
Daily Statement of Condition                               Daily
GL Statement of Account (one account)                      Monthly
Financial Analysis Ratios                                  Special Request
Daily Maintenance Report                                   Daily
GL Trial Balance By Department                             Daily
GL Trial Balance By Officer                                Daily
GL Trial Balance By Vendor                                 Daily
Liquidity Analysis report                                  Daily
GL Input Report                                            Daily
GL Posting Trans From Online                               Daily
GL Autoposting From Savings                                Daily
GL Autoposting From Mortgages                              Daily
Unposted Items For GL Autoposting                          Daily
Daily Check/Voucher Number Report                          Daily
Daily Income Statement                                     Daily
General Ledger Trial By Division                           Daily
General Ledger Department Trail                            Monthly
Daily Statement of Condition - Divisional                  Daily
Daily Income Summary - Divisional                          Daily
GL Trial Balance                                           Monthly
Closing GL Trial Balance                                   Semiannually, On Request
Financial Analysis control Print                           On Request
Monthly Statement of Condition                             Monthly
Liquidity Analysis Report                                  Monthly
Average Monthly Statement of Condition                     Monthly
Monthly Operating Report                                   Monthly
Monthly Departmental Cost Report                           Monthly
Direct Operating Expenses By Division                      Monthly
Division Income Report                                     Monthly
Monthly Division Cost Report                               Monthly
Monthly Income Statement                                   Monthly
Officers Expenditures Report                               Monthly
Officers Expenditures Report-Recap                         Monthly
Advertising Expense Report                                 Monthly
Vendor Code Report - Year to Date                          Monthly
Vendor Code Report - Year to Date                          Monthly
Twelve Period Actual Activity Report                       Monthly
Actual-to-Plan Comparison Report                           Monthly
Actual-to-Prior Year Comparison                            Monthly
Income and Expense Comparison Report                       Monthly
OTS/CALL Report                                            Monthly
Monthly Check/Voucher Number Report                        Monthly
Monthly OTS/CALL Report                                    Monthly
Quarterly OTS/CALL Report                                  Quarterly
Special Classification Report                              Special Request
Twelve Period Actual Activity - Division                   Monthly
Actual-to-Plan Comparison - Division                       Monthly
Actual-to-Prior Year Comparison-Division                   Monthly
General Ledger Trial By Division                           Monthly
</TABLE>

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                                       15

<PAGE>

<TABLE>
<S>                                                        <C>
Monthly Statement of Condition - Divisional                Monthly
Monthly Income Summary - Divisional                        Monthly
Monthly Average Statement of condition - Divisional        Monthly
Twelve Period Actual Activity Report                       Monthly
Financial Analysis Ratios                                  Monthly
Monthly Subsidiary Trial Balance                           Monthly
Income and Expense Comparison Report                       Monthly
Daily Summary Report                                       Monthly
Budget Verification Worksheet for 19XX                     Special Request
Twelve Period Actual Activity Report - Division            Monthly
Budget Verification Worksheet for 19XX                     Special Request
Statement of Account (subsidiary history - one account)    Special Request
GL Statement of Account (six month history)                Semiannually
Subsidiary Trail Balance                                   Daily
GL Internally Generated Entries                            Daily
Daily Summary Report                                       Daily
GL Statement of Account (monthly history)                  Monthly
GL Statement of Account (by department)                    Monthly
GL Autoposting Control File                                Monthly
GL Master Control Print                                    Special Request
Allocated Control Record                                   Special Request
PAE Control Record                                         Special Request
APDE Control Record                                        Special Request
Subsidiary Control Record                                  Special Request
</TABLE>

Optional Products and Services:

-        On-Request and Special reports in excess of six (6) per month in
         Exhibit A are fee based.

-        Confirmations, Annual Interest Notices, Gum Labels, Tax Disbursements,
         Loan Coupons, Amortization Schedules, Saturday on-line services, Direct
         Deposit Items, CD Interest Checks and other such miscellaneous services
         will be provided at Customerfile special and miscellaneous fees, which
         are subject to annual adjustments, and which will be reasonable.
         Modified or new services may also be offered at reasonable fees.

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                                       16

<PAGE>

                                                                     Exhibit A-3

                               Hours of Operation

Account Processing Services

         The Fiserv Data Center will be in operation for on-line Account
Processing Services in accordance with the following:

         Monday            7:00 A.M. - 7:00 P.M.

         Tuesday           7:00 A.M. - 7:00 P.M.

         Wednesday         7:00 A.M. - 7:00 P.M.

         Thursday          7:00 A.M. - 7:00 P.M.

         Friday            7:00 A.M. - 7:00 P.M.

         All times stated are in accordance with prevailing local times for the
Fiserv Data Center. Voice Response Unit support for customer inquiry is
available 24 hours per day, 7 days per week.

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                                       17

<PAGE>

                                                                       Exhibit B

                            Item Processing Services

         Client agrees with Fiserv as follows:

         1. Services. Fiserv will provide Client the Item Processing Services
(the "Item Processing Services") specified in Exhibit B - 1. Client agrees that
Fiserv shall be the sole provider of Item Processing or similar services. Client
shall not contract with another vendor or attempt to provide in-house any such
Item Processing Services or similar services without Fiserv's prior written
consent.

         2. Fees. Client shall pay Fiserv the fees and other charges for the
Item Processing Services specified in Exhibit B - 2. Fiserv agrees to give at
least thirty (30) days' notice to Client of any changes in the rules and
procedures established for processing items in the Exhibit of costs, fees, and
charges, unless such changes are caused by changes made by the Federal Reserve
System or otherwise beyond the control of Fiserv, not permitting Fiserv to give
such advance notice. Fiserv reserves the right to make such changes without
notice to the Exhibits as may be necessary to cover any increases in the costs
and charges of the Federal Reserve System or in other costs and charges beyond
the Fiserv's control, including changes required by applicable law or regulatory
activity. The fees listed in Exhibit B - 2 may be changed annually on the
anniversary date of this Exhibit upon 30 days notice to Client. Each change
shall be limited to the change in the U.S. Department of Labor, Consumer Price
Index for All Urban Households ("CPI") for the 12-month period preceding the
anniversary date. Fiserv will deliver a revised Exhibit B - 2 to Client with the
notification of the fee change.

         3. No Fiduciary Relationship. Fiserv shall perform such Item Processing
Services for which Fiserv shall subscribe as agent of Client, and Fiserv shall
not have by reason of this Agreement a fiduciary relationship with respect to
Client.

         4. Lost, Destroyed, and Misplaced Items. Fiserv assumes no liability
for any item lost, destroyed, or misplaced while in transit before the item
physically arrives at the premises of Fiserv and is received by Fiserv. in the
event any items are lost destroyed, or misplaced, and such event is not due to
gross negligence or intentional misconduct by Fiserv, Client shall be solely
responsible for the costs and expenses incurred by Fiserv in reconstructing any
such items and for any damages or other losses that may be incurred by Fiserv
due to the collection of such items. In the event Fiserv negligently loses,
destroys, or misplaces deposited items after acceptance of said deposit, Fiserv
shall be liable only for the reasonable reconstruction costs of the deposit.
Reasonable reconstruction costs shall be only those costs that arise from the
reconstruction of a microfilmed deposit. Fiserv shall not be liable for the
reconstruction costs associated with a deposit for which Client can provide a
microfilmed record of such item(s) contained in the deposit. In no event shall
Fiserv be liable for the face value of any lost or missing deposit item(s).

         5. Governmental Regulation. This Exhibit shall be governed by and is
subject to: the applicable laws, regulations, rules, terms and conditions, as
presently in effect or hereafter amended or adopted, of the United States of
America, the State of Wisconsin, the Federal Reserve Board, the Federal Reserve
Banks, the Federal Housing Finance Board, and any other governmental agency or
instrumentality having jurisdiction over the subject matter of this Exhibit.
Client agrees to abide by such requirements and to execute and deliver such
agreements, documents, or other forms as may be necessary to comply with the
provisions hereof, including, without limitation, agreements to establish Fiserv
as Client's Agent for purposes of delivery of items processed hereunder from or
to the Federal Reserve Banks. Any such agreements shall be made a part of this
Agreement and are incorporated herein. A change or termination of such laws,
regulations, rules, terms, conditions, and agreements shall constitute,
respectively, a change or termination as to this Exhibit.

         6. Client Responsibilities. Client shall maintain adequate supporting
materials (i.e. exact copies of the items, records, and other data supplied to
Fiserv) in connection with the provision of Item Processing Services. Client
shall provide written notice of confirmation and/or verification of any
instructions given by Client, its agents, employees, officers, or directors to
Fiserv in connection with Fiserv's provision of Item Processing Services.

         7. Regulatory Authority. Client data and records shall be subject to
regulation and examination by government supervisory agencies to the same extent
as if such information were on Client's premises.

         8. Forms and Supplies. Client assumes and will pay the charges for all
customized forms, supplies, and delivery charges. Custom forms ordered through
Fiserv will be subject to the administrative fee set forth in Exhibit B - 2.

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                                       18

<PAGE>
                                                                   Exhibit B - 1

                            Item Processing Services

Fiserv will provide Client the following Item Processing Services:

         1.       INCLEARING: Client authorizes Fiserv to receive Client's
inclearing items each business day from the Federal Reserve Bank, local
clearinghouse, and, in the case of same day settlement, from presenting banks.

         (a)      Fiserv will balance the inclearing items to Client's cash
                  letters, capture the items on magnetic media, microfilm, and
                  transmit the account information to Client's account
                  processing servicer.

         (b)      Based on the agreement of Fiserv and Client, all inclearing
                  items shall be: (i) stored by Fiserv and returned to Client at
                  each statement cycle date; (ii) stored by Fiserv for future
                  statement rendering; or (iii) returned to Client.

         (c)      Unless otherwise agreed in writing, Fiserv will not check
                  signatures.

         2.       PROOF: On each business day (excluding Saturdays, Sundays, and
holidays), Client will deliver to the Fiserv Processing Center checks and other
items deposited to accounts with Client, checks and other items drawn on Client
accounts presented for encashment, and transactional entries generated by
Client, such as tellers' cash tickets, general ledger entries, and loan entries.

         (a)      Client agrees to MICR encode documents to meet Fiserv
                  specifications (ABA and Account Numbers and Transaction
                  Codes).

         (b)      Client agrees to microfilm all items submitted to Fiserv.

         (c)      Client agrees that all transactional entries involving
                  tellers' cash tickets, general ledger entries, or loan entries
                  shall be in balance, and that Fiserv may return to Client
                  unprocessed any transactional entries that are not in balance.

         (d)      Client agrees to segregate all items into batches not to
                  exceed 3" in depth and to identify each such batch with a
                  batch header meeting Fiserv specifications.

         (e)      From the items submitted to Fiserv, Fiserv shall retrieve such
                  "on-us" information as may be necessary for the proper
                  accounting of the items and shall transmit this information to
                  Client's account processing servicer through telephone lines
                  or by such other means as Fiserv may from time to time deem
                  appropriate.

         (f)      Client authorizes Fiserv to create ledger suspense entries,
                  deposit corrections, or other such entries to balance
                  transactions, except for those transactions outlined in
                  sub-paragraph (c) above, as may be necessary to the efficient
                  processing of the items.

         (g)      Unless otherwise agreed in writing, Fiserv will not check
                  signatures.

         (h)      After Fiserv has completed the process of retrieving and
                  transmitting to Client's account processing servicer the
                  information necessary for processing, all items not drawn
                  against Client shall be forwarded for collection to the
                  Federal Reserve Bank or to such correspondent banks as Client
                  may reasonably designate in writing to Fiserv.

         (i)      As agreed by Fiserv and Client, all items drawn against Client
                  shall be: (i) stored by Fiserv and returned to Client at each
                  statement cycle date; (ii) stored by Fiserv for future
                  statement rendering; or (iii) returned to Client.

         (j)      All internally generated items shall be returned to Client or
                  held by Fiserv in accordance with Client's written
                  instructions.

         3.       ENCODING: Fiserv will encode the dollar amount on all items
needing encoding and presented to Fiserv as part of the PROOF function described
above.

         (a)      Fiserv may encode additional fields, such as account numbers,
                  deposit ticket totals or other items as specified by Client.
                  Any such encoding will be according to terms agreed to by
                  Fiserv.

         4.       EXCEPTION ITEM PROCESSING: One day after receipt of items,
Fiserv will perform an automated exception item pull for all items identified by
Client's account processing system for exception pull (NSF's, holds, large
dollars, or other criteria mutually agreed to by Client and Fiserv).

         (a)      Client's account processing servicer will provide an exception
                  item file to Fiserv after posting and updating of customer
                  accounts and on a mutually agreed schedule.

         (b)      Fiserv will either reject or pay exception items in accordance
                  with instructions, either written or oral, from Client's
                  authorized officer(s) or employee(s).

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                                       19
<PAGE>

         (c)      In the event no instructions are received, Fiserv will follow
                  Client's standing orders for exceptions, which will be
                  provided in writing by Client.

         (d)      For items to be returned, Fiserv will: (i) stamp and qualify
                  the items and return them to the Federal Reserve Bank; or (ii)
                  provide other services as agreed by Fiserv and Client.

         5.       STATEMENT RENDERING: Fiserv will store all checks, drafts, and
other orders for the payment of money drawn against accounts at Client. At each
Client account cycle date, Fiserv will sort the items by account, match them
with the monthly account statement, and mail to the statement address.

         (a)      Client will arrange for delivery of account statements to
                  Fiserv at Client's cost.

         (b)      Fiserv will add inserts to statements upon instructions from
                  Client.

         (c)      Fiserv will apply proper postage, which will be pre-paid
                  monthly on an estimated basis.

         (d)      Fiserv may, at its expense, arrange for statements to be
                  pre-sorted to reduce postage costs. In such event, Client will
                  be billed standard postage charges.

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                                       20
<PAGE>

                                                                       Exhibit C

                                  EFT Services

         Client agrees with Fiserv as follows:

         1. Services. Fiserv will provide Client the EFT Services (the "EFT
Services") specified in Exhibit C - 1.

         2. Network Support Services. Fiserv will provide Network Support
Services (monitoring, service, and maintenance for equipment) in accordance with
instructions supplied by the Client. If any or all of the communication network
should fail, Fiserv or its designated agents will locate the problem and correct
any malfunction not associated with equipment or circuits provided by common
carriers. If the problem is located in the equipment or circuits of the common
carriers, Fiserv will contact the common carriers and request that the problem
be corrected. Maintenance fees incurred by Fiserv for repairs caused by faulty
electrical power, inadequate physical facilities, physical abuse, or other
Client-supplied or -controlled factors will be reimbursed by Client.

         3. Fees. Client shall pay Fiserv the fees and other charges for the EFT
Services specified in Exhibit C - 2.

         4. Responsibility for Accounts. Client shall be responsible for
balancing its accounts each business day and notifying Fiserv immediately of any
errors or discrepancies. Provided that Client immediately notifies Fiserv of any
discrepancy in Client's accounts, Fiserv shall, at its own expense, promptly
recompute accounts affected by discrepancies solely caused by Fiserv computer or
software systems or provide for another mutually agreeable resolution. Fiserv
will use its commercially reasonable efforts to correct errors attributable to
Client or other Client third party servicers.

         5. Reports. Fiserv will provide output reports to Client for daily,
weekly, monthly, and annual transactions.

         6. Backup Records. Fiserv currently retains historical files at a
location separate from the data center sufficient to recreate files for the most
recent week- and month-end. A daily transaction log of all Client transactions
for the most recent ten business days will also be maintained at this location.

         7. Hours of Operation. The EFT Services will be available for use by
Client during standard Fiserv business hours, excluding company holidays, as
specified in Exhibit C - 3.

         8. Hardware. (a) Client will obtain written approval from Fiserv prior
to connecting any equipment to the data communication equipment provided by
Fiserv. Equipment, if any, connected to the Fiserv System must be configured in
a manner acceptable to Fiserv. Client agrees to pay Fiserv for the testing and
acceptance of such equipment by Fiserv at its then current rates.

         (b) Client shall at all reasonable times permit the authorized
personnel of Fiserv and the equipment manufacturers to have access to any Fiserv
owned or leased equipment provided hereunder, and shall permit removal of such
equipment upon termination of this Exhibit.

         9. Protection of Data. Fiserv has developed an operations backup
center, for which Client has agreed to pay the charges indicated in Exhibit A -
2. Fiserv tests the procedure periodically to ensure compliance. Copies of
transactions files are maintained by Fiserv off premises in secured vaults.

         10. Regulatory Compliance. (a) Client is solely responsible for
ascertaining that its use of EFT Services complies with all applicable state and
federal statutory and regulatory requirements. Fiserv agrees, however, to
monitor such applicable requirements, and to make changes in the EFT Services as
Fiserv believes is necessary to bring the EFT Services into compliance.

         (b) Upon the written request of Client or a governmental regulatory
authority, Fiserv shall make output available to such regulatory authority for
purposes of audits and supervisory examinations of Client. The Client shall pay
Fiserv its then current rate for any time devoted to such examination, audit,
consulting, or other similar related effort.

         11. On-line Security. Fiserv will provide Client access, after the
execution of appropriate "on-line" security measures, to allow Client to perform
Cardholder maintenance on Client Files in the Fiserv System.

         12. Network Agreement. Fiserv provides access to electronic fund
transfer networks for the purpose of participating in the exchange of
transactions on an inter-network basis. Client may participate in such networks
subject to the following terms and conditions:

         (a) Client will enter into an agreement with each such network in which
Client elects to participate, and will operate within and abide by the operating
rules established by each such network, and pay any associated fees imposed by
each such network; and

         (b) The clearing of transactions and reconciliation of payments will be
in accordance with settlement procedures established between Fiserv and each
such network.

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                                       21

<PAGE>

                                                                   Exhibit C - 2

                                EFT Services Fees

         Fiserv will provide Client the following EFT Services at the fees and
prices indicated:

Notwithstanding the exceptions noted below, the following services are included
in the Base Services Fee minimum of $2,000 per month.

ATM PROCESSING

<TABLE>
<S>                              <C>          <C>
- Transactions                   1st 1,000    - Additional at $.1717 each

- Pulse Interface

- ATM Driving                    1st ATM      - Additional at $224 each

- Cirrus Network Connection

- Pix Adjustment System

- End Point Settlement

- Surcharging                    1st ATM      - Additional at $35 each
</TABLE>

                                                                   [FISERV LOGO]

                                       22

<PAGE>

                                                                   Exhibit C - 3

                               Hours of Operation

         Fiserv will provide access to EFT Services 24 hours a day, 365 days per
year, except for planned downtime reserved for scheduled maintenance.

         Client support assistance will be available during normal business
hours, Monday through Friday, with the exception of the following holidays: New
Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and
Christmas Day. When a holiday fells on a weekend, Fiserv will observe the
holiday schedule as published by the Federal Reserve.

                                                                   [FISERV LOGO]

                                       23

<PAGE>

                              ADDENDUM TO AGREEMENT

         In consideration of the Agreement between Fiserv Solutions, Inc.
("Fiserv") and Franklin Bank, SSB (the "Client") dated 2-28-99, 1998 (the
"Agreement"), the provisions of which are adopted herein by reference, Fiserv
and Client agree as follows:

                  1. All terms, condition, warranties, and obligations contained
                           in the Agreement, whether made by or binding upon
                           either party, shall be contingent upon Client's
                           receipt of approval from the State Office of
                           Financial Institutions and the FDIC authorizing
                           Client to enter into a binding, long-term contract.
                           In the event that such approval is not obtained, the
                           Agreement shall become void in its entirety.

                  2. Notwithstanding the foregoing, Client agrees to reimburse
                           Fiserv for any reasonable expenses actually incurred
                           in accordance with the Agreement.

                  3. In accordance with Paragraph 15(b) of the Agreement, this
                           Addendum shall constitute a modification of the
                           Agreement, and in the event of a conflict between the
                           provisions of the Agreement and this Addendum, the
                           terms and provisions of this Addendum shall control.

                  4. In consideration for the additional four (4) months added
                           to the five (5) year term agreement as indicated in
                           paragraph I, Term, the monthly fee of $2,470 ($3,209
                           - $739) shall be waived for four (4) months.

              AGREED TO AND EXECUTED BY THE PARTIES DULY AUTHORIZED
                 REPRESENTATIVES ON THE DATE(S) INDICATED BELOW:

Franklin Bank, SSB                           Fiserv Solutions, Inc.

By: /s/ Robert E. Rhoades                    By: /s/ J. Fred Ragusa
    ---------------------------                  -------------------------------

Name: ROBERT E. RHOADES                      Name: J. Fred Ragusa

Title: PRESIDENT                             Title: Vice President

Date: 2-25-99.                               Date: 2-27-99

                                                                   [FISERV LOGO]

                                       24

<PAGE>

                              [FRANKLIN BANK LOGO]

February 25, 1999

Mr. Don Phillips
President
FiServ, Houston Center
5718 Westheimer, Suite 200
Houston, Texas 77057-731

Dear Mr. Phillips:

I am attaching this letter to the executed agreement between FiServ Solutions,
Inc. and Franklin Bank, SSB, in accordance with the language in paragraph 1
(Term). Please accept this notice of non-renewal to satisfy the requirements to
void an automatic renewal of the five (5) year initial term of our agreement.

Yours truly,

/s/ Robert E. Rhoades

Robert E. Rhoades
President & CEO

                  3720 Jefferson Street - Austin, Texas 78731
                      (512) 374-1600 - Fax (512) 374-1199

<PAGE>

                                                         Agreement for fed line.

                         ELECTRONIC REPORTING AGREEMENT

                  Franklin Bank, ssb (Depository Institution),
____________________________________________________ (Processor - if
applicable), and the Federal Reserve Bank of Dallas, located in Dallas, Texas
(Reserve Bank) hereby enter into this Agreement for Depository Institution's use
of Reserve Bank's electronic reporting systems. The complete agreement shall
consist of this Agreement and any amendments executed as hereinafter provided.
The parties agree as follows:

1.                Depository Institution and/or its Processor shall use Reserve
                  Bank's electronic submission system for the sole purpose of
                  transmitting to Reserve Bank statistical reports authorized to
                  be submitted to Reserve Bank under applicable laws and
                  regulations. Reserve Bank agrees to accept the electronic
                  entries according to the terms and conditions set forth
                  herein. Except as otherwise stated in this Agreement,
                  Depository Institution and/or its Processor each agree to use
                  electronic submission for filing initial data for reports
                  specified by the Reserve Bank.

2.                The Reserve Bank will notify Depository Institution and/or its
                  Processor of the statistical reports which may be
                  electronically submitted and will provide the instructions
                  necessary for the submission of each report.

3.                The software used by Depository Institution and/or its
                  Processor for electronic submission of statistical reports
                  must meet and continue to meet the technical specifications
                  and other standards provided by Reserve Bank. Depository
                  Institution and/or its Processor each agree to participate in
                  the tests specified by Reserve Bank prior to live report
                  submission or at any time that software or hardware changes
                  are made.

4.                This Agreement shall be subject to applicable state and
                  federal laws including but not limited to, the following
                  provisions, as amended from time to time: Section 19 of the
                  Federal Reserve Act, 12 U.S.C. sections 248 (a) and 461;
                  Regulation D of the Board of Governors of the Federal Reserve
                  System, 12 C.F.R. 204; and, the Reserve Bank's Bulletins or
                  Operating Circular Nos. 4 and 16.

5.                While this Agreement is in effect, Depository Institution
                  and/or its Processor each agree to exclusively use the
                  electronic reporting system when reporting to Reserve Bank.
                  Depository Institution and/or its Processor shall submit a
                  hard copy of such reports only if Reserve Bank requests a hard
                  copy, or if Depository Institution and/or its Processor is
                  unable to transmit the data. If Reserve Bank requests that
                  hard copy be filed, Depository Institution and/or its
                  Processor shall maintain a duly executed report in accordance
                  with the requirements of Paragraph 6 below. Depository
                  Institution and/or its Processor each further agree to notify
                  Reserve Bank in advance by telephone if unable to
                  electronically transmit a statistical report, and, to timely
                  submit such report instead via hard copy.

<PAGE>

6.                Contemporaneously with electronic transmission of data
                  pursuant to this Agreement, or if otherwise requested by
                  Reserve Bank, Depository Institution and/or its Processor each
                  agree to complete and maintain in its files a hard copy of a
                  duly executed report for each report submitted in accordance
                  with this Agreement. The hard copy shall contain an official
                  signature certifying, based on actual knowledge of the data
                  transmitted, that the reported information is correct. The
                  hard copy shall be maintained according to the retention
                  schedule (a copy of which is attached as Addendum A) specified
                  by the Reserve Bank, which may be revised from time to time by
                  Reserve Bank without prior notice to Depository Institution or
                  its Processor. Reserve Bank will notify Depository Institution
                  or its Processor in writing of revisions to the retention
                  schedule. Such hard copy shall be available to Reserve Bank
                  and to Depository Institution's primary regulatory authority
                  at any time upon request. The requirements of this paragraph
                  shall survive termination of this Agreement.

7.                Depository Institution and/or Processor each expressly
                  recognize that Reserve Bank considers any and all statistical
                  reports conveyed to Reserve Bank electronically as being
                  authentic and fully authorized as if the same were in writing
                  and signed by Depository Institution's duly authorized
                  officer. All requirements of law and other statements on the
                  related reporting form shall apply to information submitted
                  electronically.

8.                The information transmitted electronically by Depository
                  Institution and/or its Processor shall be confidential
                  information. Reserve Bank's disclosure of the confidential
                  information shall be limited to the extent that disclosure or
                  release is made to the Board of Governors of the Federal
                  Reserve System or pursuant to any applicable laws or
                  regulations.

9.                Depository Institution and/or its Processor understand that
                  Reserve Bank may find it necessary to make additions,
                  deletions, or changes to any report on short notice and will
                  make every attempt, but do not guarantee, to provide revised
                  specifications or modified software so that electronic report
                  submission is not interrupted.

10.               Depository Institution is responsible for the timeliness and
                  accuracy of data transmitted by Processor as if Depository
                  Institution had transmitted the data itself. Depository
                  Institution shall respond directly to the Reserve Bank on
                  questions pertaining to reports submitted under this
                  agreement, if any.

11.               Reserve Bank may terminate this Agreement at any time by
                  giving written notice to the president of Depository
                  Institution. Depository Institution may terminate this
                  Agreement by giving Reserve Bank 30 days written notice prior
                  to the date of termination. Depository Institution's notice
                  shall be sent to:

Electronic Reporting Agreement - Page 2

<PAGE>

                              Statistics Department
                         Federal Reserve Bank of Dallas
                                P. O. Box 655906
                            Dallas, Texas 75265-5906

12.               This Agreement shall to governed by the laws of the State of
                  Texas.

13.               The waiver by Reserve Bank of my breach or violation of any
                  provision of this Agreement shall not be a waiver of such
                  provision or of any subsequent breach of violation thereunder.

AGREED:                                      AGREED:

Federal Reserve Bank of Dallas               Depository Institution
                                             Printed Name Franklin Bank, ssb

                                             Authorized
Signature: /s/ Kathy Johnsrud                Signature: /s/ Tim Granger
           ------------------                           ---------------

Print Name: KATHY JOHNSRUD                   Print Name: Tim Granger

Title: STATISTICS OFFICER                    Title: Vice President/Controller

Date: 10/20/2000                             Date: 10-19-2000

                                             ABA#: 1149-9373-1

                                   AGREED:

                                   Processor, Printed Name _____________________

                                   Authorized Signature: _______________________

                                   Print Name: _________________________________

                                   Date: _______________________________________

Electronic Reporting Agreement - Page 3

<PAGE>

                         ELECTRONIC REPORTING AGREEMENT

                  The reporting institution named below agrees to retain a
signed and certified hard copy of any report filed with the Reserve Bank via
electronic submission. The retention schedule for electronically submitted
reports is as follows:

                       Report of Transaction Accounts, Other
                                Deposits and Vault Cash (FR 2900)    5 years

                       Report of Certain Eurocurrency Transactions
                                (FR2950 or FR 2951)                  5 years

Electronic Reporting Agreement - Page 4

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