A Guide to Your Frost Personal Account

• A Frost Personal Banker to attend to your financial needs
• Interest paid monthly if daily balance is $5,000 or greater
• Unlimited transactions and check writing
• Online and Mobile Banking*
• Unlimited online and mobile bill pay ^*
• Unlimited online and mobile transfers to other financial institutions*
• Mobile check deposits ^*
• Email alerts
• Frost Debit Card
• Online Statement Delivery
• Access to more than 1,200 ATM locations and more than 130 Frost financial centers
• Optional overdraft protection from a Frost checking, savings or money market account or a line of credit (subject to credit approval)

^* Message and/or data rates may apply.

$8

$4
For students under age 25 with a valid student ID. At age 25, our standard service charge of $8 will be applied

$0
Monthly Service Charge when you have ONE of the following (during each monthly statement period):

• Direct deposits totaling $100 or more made to this account monthly, such as your paycheck, pension, Social Security, or other regular monthly income.
• OR a $1,000 minimum daily balance in this account
• OR $5,000 combined average daily balances of personal deposit accounts, including checking, savings, money market, CDs and IRAs.
• OR you own a Frost Premium Account

Average daily balance is calculated by adding the principal in the account each day of the period and dividing that figure by the number of days in the period.

$0
There is no fee to transfer funds from your linked account or from your line of credit. However, interest will be charged on the outstanding balance of your line of credit.

$34
for each item we pay that overdraws your account more than $5, up to a maximum fee of $170 per day

$34
per item that we do not pay

$0

$0 (interest will apply on the outstanding balance)

This means you do not want Frost to authorize and pay your everyday debit card transactions when you don't have enough money available. Since everyday debit card transactions will be declined when there is not enough money available, you won't be charged a Non-sufficient Funds Fee for everyday debit card transactions.

We may still authorize and pay overdrafts for other transaction types, such as checks, automatic bill payments and other withdrawals unless you decline all coverage (option #3 below).

Deposits and credits are processed first. Withdrawals are processed next, in the following order:

• ATM and debit card transaction processed in the order they are received by us
• Wire transfers, cash withdrawals and other transactions for which authorization has already occurred, from lowest to highest
• Loans payable to us, from lowest to highest
• Checks and ACH transactions, from lowest to highest
• Bank service fees, from lowest to highest

For complete details, please refer to our Deposit Account Agreement and Other Disclosures available online or upon request.

When funds deposited to your account are generally available:

• Cash and electronic deposits—same business day
• Checks—the business day following the date of deposit

Longer delays may apply under certain circumstances. If a longer delay applies, we will notify you and funds will generally be available no later than the seventh business day.

This represents our general policy—for additional details, please refer to our Funds Availability Policy in our Deposit Account Agreement and Disclosure available online or upon request.