NOTICE OF CHANGE IN TERMS TO CERTAIN FROST BANK AGREEMENTS ("NOTICE")

Thank you for being a valued Frost Bank customer. This Notice highlights important changes to the terms of your Frost Deposit Account Agreement and Other Disclosures, the Zelle® Terms of Service Addendum, Personal and Health Savings Account Debit Card Agreement and Disclosure, and the Business Debit Card Agreement and Disclosure (collectively, the “Agreements”) to be effective August 7, 2022.

After August 7, 2022, the Agreements will include these new and updated terms and conditions and will apply to you and your account, and your use of Frost Online Banking Services, including the Frost App. Capitalized terms have the meanings provided in each of the Agreements.

Please review this Notice and keep a copy with your important records. If you have questions, call us at (800) 513-7678. You can review the updated Agreements by visiting frostbank.com, clicking on the Agreements & Disclosures link located at the bottom of the homepage and selecting the agreement you wish to view. A printed copy is available upon request.


CHANGES TO YOUR DEPOSIT ACCOUNT AGREEMENT AND OTHER DISCLOSURES EFFECTIVE AUGUST 7, 2022

The Frost Bank Deposit Account Agreement and Other Disclosures governs your accounts and relationship with Frost Bank. Changes are summarized below.

(1) Updated Section X.B.(1) (ATM and Debit Card Transfers and Limitations) to increase certain limits on card transactions as well as to address limits on Account Funding Transactions (AFTs).

(2) Revised Section X.B.(10) (Stop Payments on ATM, POS, or Debit Card Transactions) to clarify that you may be able to place a stop payment order on certain recurring preauthorized debit card transactions.


CHANGES TO YOUR FROST BANK ZELLE® TERMS OF SERVICE ADDENDUM EFFECTIVE AUGUST 7, 2022

The Zelle Terms of Service Addendum to the Frost Bank Online Banking Agreement and Disclosure (“Zelle Addendum”) governs the use of the optional Zelle Service. Changes are summarized below.

The Zelle Addendum has been revised to address certain new features that are being introduced by the Zelle Network®, which includes the following changes:

(1) Revised Section A.(2) (Eligibility and User Profile) to address potential new functionality that will allow you to add a unique alpha-numeric identifier to your registered profile as well as related provisions to address content standards for the optional Zelle service.


CHANGES TO YOUR PERSONAL AND HEALTH SAVINGS ACCOUNT DEBIT CARD AGREEMENT AND DISCLOSURE EFFECTIVE AUGUST 7, 2022

The Personal and Health Savings Account Debit Card Agreement and Disclosure (the “Personal Debit Card Agreement”) covers your use of Frost Bank Personal and Health Savings Account Debit Cards. Changes are summarized below.

(1) Revised Section 3 (Types of Available Transfers and Limits on Transfers) to increase certain limits on card transactions as well as to address limits on Account Funding Transactions (AFTs).

(2) Revised Section 7 (Stop Payment) to clarify that you may be able to place a stop payment order on certain recurring preauthorized Personal Debit Card transactions.


CHANGES TO YOUR BUSINESS DEBIT CARD AGREEMENT AND DISCLOSURE EFFECTIVE AUGUST 7, 2022

The Business Debit Card Agreement and Disclosure (the “Business Debit Card Agreement”) covers your use of Frost Bank Business Debit Cards. Changes are summarized below.

(1) Revised Section 25 (Maximum Dollar Limits) to address the limits on Account Funding Transactions (AFTs).

(2) Revised Section 28 (Stop Payment) to clarify that you may be able to place a stop payment order on certain recurring preauthorized Business Debit Card transactions.

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