E-SIGN Agreement & Disclosure

Effective March 3, 2016
Member FDIC

A. General

I understand that I must read this Electronic Records Disclosure carefully and keep a copy for my records. In order to register for and use My Frost Services and Mobile Banking Services, and to open any additional Bank accounts online via My Frost Services (as Bank may allow), I am agreeing to the electronic delivery of legal disclosures, agreements, instructions, communications, online statements (if I select Online Statement Delivery), and other notices related to such services, and I am also agreeing to electronic delivery for all other legal disclosures, agreements, instructions and communications relating to my current accounts or any future accounts I have with the Bank. If at some point in the future I no longer want to receive the legal disclosures, agreements, instructions, communications and online statements (if applicable), then I understand that I may withdraw my consent for electronic delivery of such items, and that I will not be charged any fee for withdrawing my consent, but that doing so will not affect the legal effectiveness, validity or enforceability of electronic disclosures or records that were made available to me prior to the implementation of my withdrawal of consent for electronic delivery. I also understand that I have the right to request that Bank provide to me any record that was provided electronically, or any other record, in paper or non-electronic form, although I am aware that charges and fees for such non-electronic copies may be charged in accordance with the Bank’s current Schedule. To withdraw my consent for electronic delivery, to update my contact information, or to request a paper or non-electronic copy of any record or document, I must either: (i) write to Bank at Frost, Customer Service, P.O. Box 1600, San Antonio, Texas, 78296; (ii) use a method that may be made available to me on the Bank’s website (www.frostbank.com); or (iii) contact Frost Customer Service at (800) 513-7678.

B. System Requirements to Access and Retain the Information:

To receive an electronic copy of all required disclosures regarding My Frost Services, Mobile Banking Services and my accounts, including related legal disclosures, agreements, instructions, communications and online statements (if applicable), I must comply with the system requirements. To retain a copy of such materials, my system must have the ability to either download (e.g. to my hard disk drive, diskette, CD-ROM or other storage device) or print portable document format (“PDF”) or HTML files. I must have a functioning printer connected to a personal computer or other access device, which is able to print the related legal disclosures, agreements, instructions, communications and online statements (if applicable) on plain white 8 1/2 x 11 inch paper.

C. Agreements and Acknowledgements:

By clicking on the "Accept" button below, I represent and warrant that: (i) I have read, understood and understood this Electronic Records Disclosure; and (ii) the Internet devices that I will use to receive the legal disclosures, agreements, instructions, communications and online statements (if applicable) meet the system requirements to access information and to retain information as stated in this Agreement.

(NOTE: The foregoing provisions of Section C are applicable only in the event that I am accepting this ESIGN Agreement to enroll in and begin receiving Electronic Communications. If I am reviewing this E-SIGN Agreement for any other reason (for example, posted as a copy on Frost’s website), I understand and acknowledge that there may be no “Accept” button available on this web page.)