My Frost Online Banking
Agreement & Disclosure
Effective May 24, 2014
Member FDIC
  1. GENERAL DESCRIPTION OF AGREEMENT 
    1. What the Agreement Covers

      This Internet Banking Access Agreement and Disclosure Agreement ("Agreement") contains the terms and conditions governing use of online banking services known as My Frost Online Banking Services ("My Frost Services"). If I am using My Frost Services solely for business purposes, certain provisions of this Agreement will not apply to me because such provisions only apply to Bank's customers who establish accounts primarily for personal, family or household purposes ("Consumer Customers"). My Frost Services provides access to my Deposit Account(s), and any other Bank accounts via the Internet, and, for certain My Frost Services, via a mobile phone or mobile device that allows text messaging or a mobile phone or other mobile device equipped with an Internet web browser (see Section IV.C. below). This Agreement also includes certain disclosures required by the Electronic Funds Transfer Act ("Act") and Federal Reserve Board Regulation E regarding Consumer Customer Deposit Accounts (see Section V below). These Provisions apply to me if I am a Consumer Customer. By accepting this Agreement, I also understand I may be given an option to receive all the disclosures required pursuant to the Act or Regulation E in electronic form (see Section IV.B.(1),(2) & (3) and Section VII.A. below).

    2. Review and Acceptance of Agreement

      I understand that I should read this Agreement carefully before registering for My Frost Services and before accepting the Agreement in accordance with the "My Agreement to These Terms and Conditions" statement contained in Section VII below.

    3. Compliance with all Laws

      I AGREE NOT TO USE MY FROST SERVICES TO INITIATE ANY TRANSACTIONS THAT VIOLATE ANY LAWS OF THE STATE OF TEXAS OR THE UNITED STATES. I understand that it is my responsibility to use My Frost Services in compliance with all applicable laws, rules and regulations, including, without limitation, any export controls, including, but not limited to my responsibility to comply with control by the United States of the export of products and information containing encryption technology. I acknowledge and agree that I must comply with such export control laws and I agree not to export or re-export any encryption technology related to or within My Frost Services to countries or persons prohibited under applicable law. By using the My Frost Services, I represent that I am not in a country where such export is prohibited. This paragraph shall not be construed to mean, and Bank hereby disclaims any such representation, that any content or use of the My Frost Services is appropriate or available for use in locations outside of the United States. Accessing the My Frost Services from locations where its contents or use is illegal is prohibited by Bank. If I choose to access the My Frost Services from locations outside the United States, I understand that I do so at my own risk and that I am responsible for compliance with any applicable local laws.

    4. Relation to Other Frost Agreements

      My Deposit Account(s), Loan Account(s) or any other accounts accessed through My Frost Services continue to be governed by any applicable depository, loan or other agreement. I understand that my execution of this Agreement does not alter any terms and conditions of other agreements governing my Bank accounts unless expressly altered herein. In addition, the use of the Bank's website is governed by the "Terms and Conditions of Use" for the Bank's site (as defined below). The Frost "Customer Privacy Statement" provides the information required under the Federal Reserve Board's Regulation P concerning customer privacy, and I understand that Bank may initiate communications to me via mail, e-mail and short message service ("SMS") text messaging for any purpose within the limits of the Bank's "Customer Privacy Statement." I understand that these agreements and statements are available for my review at www.frostbank.com, and I acknowledge that I should read and understand these related agreements and statements before I use My Frost Services.

    5. Definitions

      In addition to those terms defined within the body of this Agreement, the terms listed below have defined meanings for the purposes of this Agreement:

      "Bank" and "Frost" refer to Frost, the depository institution holding my accounts accessed and providing My Frost Services under this Agreement.

      "Bill Payment Services," "Bill Payment," or "Payment(s)" means the online services by which I direct the Bank to debit my account(s) and transfer funds to a Payee.

      "Business Day(s)" means any day excluding Saturday, Sunday and legal Bank holidays.

      "Consumer Customer" means a natural person who establishes a Deposit, Loan or other account primarily for personal, family or household purposes.

      "CST/CDT" means Central Standard Time/ Central Daylight Time.

      "Deposit Account(s)" means the checking, savings, money market, certificates of deposit, and/or individual retirement accounts that I have established at the Bank.

      "Electronic Funds Transfer" or "Transfer" means any transfer of funds initiated through My Frost Services for the purpose of ordering, instructing or authorizing Bank to debit or credit any of my Deposit Account(s).

      "I," "me," "my," and "myself" refers to each Frost account holder and to each person who uses My Frost Services for that account with the account holder's permission.

      "Loan Account(s)" means any loan or line-of-credit accounts that I have with the Bank.

      "Mobile Banking Services" means the My Frost Service that allows me to perform certain of the My Frost Services as described in Section IV.C. below via my Mobile Device.

      "Mobile Device" means a mobile telephone or other mobile device capable of sending and receiving SMS text messages and/or accessing the Internet via a web browser.

      "My Frost Services" means the online banking services provided to customers by Bank as described in Section II.

      "Payee" means any individual, business, or other entity that I designate for transfer of funds or Bill Payment, and who Bank accepts as Payee.

      "Site" or "Website" means the Frost website located at www.frostbank.com.

      "Transaction(s)" means any action I initiate, request or conduct using My Frost Services, including but not limited to any Electronic Funds Transfers.

  2. Description of My Frost Services in General

    My ATM/Checkcard or ATM card number used in combination with the personal identification number ("PIN") I select activates access to and use of My Frost Services. I may use My Frost Services to access the Deposit Account(s) or Loan Account(s) on which I am a signer or for which I have an unrestricted right to withdraw or perform transactions. The Bank reserves the right to limit the types of accounts that I may access, or may restrict access to Deposit, Loan or other account(s) for any reason and in its sole discretion.

    My Frost Services may include:

    • account balance and transaction display, account statements, check copies, and I.R.S. forms 1098 and 1099 related to interest reporting;
    • transferring funds from my Deposit Accounts to other Bank accounts held in my name or otherwise, or to other accounts outside the Bank, held in my name or otherwise;
    • making Loan Account payments from available Deposit Account funds;
    • advancing funds from established Loan Accounts;
    • Bill Payment Services;
    • placing stop payments;
    • ATM/Checkcard services;
    • account maintenance, such as updating my customer information and changing my account preferences;
    • ordering checks;
    • various optional e-mail services and alerts that Bank may make available from time-to-time ("E-mail Services");
    • various optional Mobile Banking Services and alerts that Bank may make available from time-to-time;
    • non-sufficient funds display function;
    • customer assistance;
    • downloading account information to management and accounting software (e.g. Quicken);    
    • opening of accounts, subject to certain requirements; and
    • other, additional services offered by Bank at www.frostbank.com.Using My Frost Services.
  3. Using My Frost Services   
    1. System Requirements
      1. My Frost Online Banking System Requirements:

        I understand that to use My Frost Services online via a personal computer, I must first obtain access to the Internet with compatible hardware, software and web browser. Bank requires that I use a web browser that supports adequate security measures including SSL encryption technology, or additional security measures as Bank may require. Bank also requires that I have Adobe Acrobat Reader version 5.0 or newer to access pdf documents. Obtaining and maintaining adequate Internet access is my responsibility, and I am solely responsible for all Internet Service Provider ("ISP") fees and costs. I understand that the Bank is not responsible for any computer virus or related problems that may be associated with my use of the Internet in general or my use of My Frost Services via the Internet.

      2. My Frost Online Mobile Banking System Requirements:

        I understand that if I choose to activate the optional Mobile Banking Services as described in Section IV.C. below, in order to use the Mobile Banking Services, I must have a Mobile Device with SMS text message functionality and/or ability to access the Internet via a web browser, as well as any other compatible wireless hardware and software necessary to operate such Mobile Device. I understand that I also must have a Mobile Device wireless service plan with a suitable Mobile Device service provider of my choice. I understand that my Mobile Device service (including Mobile Device Internet connection) is not part of the My Frost Services or the optional Mobile Banking Services. I understand that I am responsible for acquiring, maintaining and operating my Mobile Device and its related hardware and software and for all associated costs and expenses, including, without limitation, all fees I incur for data transfers and as a result of sending and receiving SMS text messages through my Mobile Device service. I assume full responsibility for ensuring these requirements are met should any changes be made to my existing Mobile Device and/or the associated service plan. I understand that the Bank is not responsible for any errors or failures or my Mobile Device or its software and is not responsible for any viruses or related problems that may be associated with my use of the My Frost Services via the Mobile Banking Services.

    2. Security and Passwords; Additional Security Issues Regarding Internet E-mail and Mobile Banking Communications

      I understand that Bank reserves the right to verify any personal information I provide and reserves the right to make inquiries about me to the extent allowed by law and as allowed under Bank's "Customer Privacy Statement" with regard to a request by me or a co-signer for a product, service or customer assistance. If I provide any information that is untrue, inaccurate, not current or incomplete in any manner, or Bank has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Bank has the right to suspend or terminate my access to and use of the My Frost Services and refuse any and all current or future use of the My Frost Services by me. I understand that it is my responsibility to provide true, accurate, current and complete information about myself when registering for the My Frost Services and to maintain and promptly update the registration data to keep it true, accurate, current and complete.

      1. Security and Passwords:

        In addition to my acceptance of the terms and conditions of this Agreement, the following shall occur:

        1. I will perform an initial authentication through My Frost Services by using my ATM/Checkcard or ATM card number and PIN. Bank may rely solely on these items for initial identification and authentication of me.
        2. After this initial authentication, I will then choose and enter a User ID ("User ID"), a personal password ("Password"), and shall respond to any additional informational questions or requests for information that Bank may require from time-to-time, in Bank's sole discretion, in conjunction with any additional authentication procedures that Bank may employ ("Additional Authentication Information" or "AAI"). Such AAI shall be used in conjunction with various authentication procedures that Bank may employ, including but not limited to, security questions and responses and/or other hardware and software-based security and authentication programs and procedures. Upon selection, the User ID, Password and AAI become the new method of Bank authentication. I must enter my User ID and Password each time I access My Frost Services via the Internet through a personal computer, and may be requested to enter my AAI from time-to-time for additional security procedures and purposes.

          I understand I am responsible for safeguarding my User ID, Password and AAI. I understand that Bank will rely on access via the User ID, Password and AAI as confirmation that I have authorized all activity conducted following such authenticated access to My Frost Services, including any Deposit, Loan or other account debits or credits, any other transfers or Bill Payment Services, or any other charges or fees incurred by use of My Frost Services. If I permit another person to use my My Frost Services, or give them my User ID, my Password or my AAI, I am responsible for all activity the person initiates via My Frost Services, even if he or she exceeds my authorization. I understand that I should not leave my computer unattended while using My Frost Services, and that I should log out after completing a My Frost Services session. I understand and agree to notify Bank immediately if my User ID, Password or AAI have been lost, stolen or compromised.

      2. Security and Passwords for Mobile Banking Services Accessed via the Web Browser of a Mobile Device:

        I understand that I am required to log into My Frost Services via the web browser on my Mobile Device by using my User ID, Password and AAI, if Bank has required use of AAI in order to log in from my Mobile Device. I understand and acknowledge that the Mobile Banking Services may not be encrypted, and, therefore, Bank will never include my User ID, Password or full account number in any e-mail communication that I may access via the web browser on my Mobile Device. However, the Mobile Banking Services may include my name and information about my account(s), such as the last four digits of my account number or specific account transaction information. I understand and acknowledge that transmission of my masked account number and specific information, including, but not limited to, dollar amounts, or individual Payees and payers, does not constitute transmission of personal or private information, and I hereby authorize Bank to send such information via any e-mail communication that I may access via the web browser on my Mobile Device. In addition, I understand that there are risks associated with using my Mobile Device, and that in the event of theft or loss, my confidential information could become compromised. I understand that the security of the Mobile Banking Services is contingent upon my responsible behavior in protecting my User ID and Password for the Mobile Banking Services. I understand that I am responsible for safeguarding my User ID, Password and any AAI if bank has required use of AAI to log in from my Mobile Device. I understand that Bank will rely on access via the User ID, Password and AAI (if required) as confirmation that I have authorized all activity conducted using the Mobile Banking Services following such authenticated access, including any Deposit, Loan or other account debits or credits, any other transfers or Bill Payment Services, or any other charges or fees incurred by my use of the Mobile Banking Services. Unless subject to other provisions of this Agreement or other applicable law regarding consumer customers, I further understand and agree that Bank will not be liable for any loss or damage incurred by me when an unauthorized person gains access to the Mobile Banking Services. I AGREE TO INDEMNIFY THE BANK AND HOLD THE BANK HARMLESS IF THE BANK ACTS WITH ORDINARY DUE CARE AND IN GOOD FAITH IN RESPONDING TO ANY E-MAIL MESSAGE SENT FROM VIA ACCESS TO THE INTERNET VIA THE WEB BROWSER OF MY MOBILE DEVICE THAT IS PURPORTED TO BE SENT BY ME. I understand that I can send secure messages to the Bank over the Internet by logging into My Frost Services from a personal computer with my User ID, Password and AAI and selecting the "Request Assistance" link. Bank's use of its normal security procedures for maintaining confidentiality and security of information shall constitute fulfillment of Bank's obligations to exercise due care. I understand that information that I provide while using the Mobile Banking Services may be stored on Bank's secured servers and protected by industry standard encryption techniques. However, the Bank is not accepting any responsibility to archive any communications with me transmitted or received using the Mobile Banking Services beyond the time required by applicable law, if any, or as stated in this Agreement, whichever is longer.

      3. Security and Passwords for Mobile Banking Services Accessed via SMS Text Messaging To and From a Mobile Device

        I understand and acknowledge that SMS text messages sent to or from my Mobile device are neither confidential nor secure, and may not be encrypted. I understand that in order to send or receive an SMS text message I may not be required to log in with my User ID, Password or AAI. Bank will never include my My Frost Services User ID, Password or account number in any SMS text message sent directly to my Mobile Device, and I understand that I should not include any personal information in a text message to Bank. However, the Mobile Banking Services may include my name and information about my account(s), such as the last four digits of my account number or specific account transaction information. I understand and acknowledge that transmission of specific information, including, but not limited to, dollar amounts, or individual Payees and payers, does not constitute transmission of personal or private information, and I hereby authorize Bank to send such information via any SMS text message sent directly to my Mobile Device. I understand that Bank is not responsible for any damages in connection with a text message I send to Bank or a text message Bank sends to me. Because text messages are not confidential or secure, I understand that I should not, and I agree not to, use any personally identifiable information when providing shortcuts or providing nicknames to my accounts. In addition, I understand that there are risks associated with using my Mobile Device, and that in the event of theft or loss, my confidential information could become compromised. I understand that Bank will rely on the SMS text messages sent from my Mobile Device as confirmation that I have authorized all activity conducted using the Mobile Banking Services, including any Deposit, Loan or other account debits or credits, any other transfers or Bill Payment Services, or any other charges or fees incurred by my use of the Mobile Banking Services. Unless subject to other provisions of this Agreement or other applicable law regarding consumer customers, I further understand and agree that Bank will not be liable for any loss or damage incurred by me when an unauthorized person gains access to any SMS text messages sent via the Mobile Banking Services. I AGREE TO INDEMNIFY THE BANK AND HOLD THE BANK HARMLESS IF THE BANK ACTS WITH ORDINARY DUE CARE AND IN GOOD FAITH IN RESPONDING TO ANY SMS TEXT MESSAGE PURPORTED TO BE SENT BY ME. I understand that I can send secure messages to the Bank over the Internet by logging into My Frost Services from a personal computer with my User ID, Password and AAI and selecting the "Request Assistance" link. Bank's use of its normal security procedures for maintaining confidentiality and security of information shall constitute fulfillment of Bank's obligations to exercise due care.

        I understand that I am responsible for accessing, opening and reading SMS text messages on my Mobile Device. It is my responsibility to notify the Bank if any SMS text message is not accessible, is incomplete or is unreadable. I understand that information that I provide while using the Mobile Banking Services may be stored on Bank's secured servers and protected by industry standard encryption techniques. However, the Bank is not accepting any responsibility to archive any communications with me transmitted or received using the Mobile Banking Services beyond the time required by applicable law, if any, or as stated in this Agreement, whichever is longer.

      4. E-mail and SMS Text Message Communication Security Warning About "Phishing," "Spoofing," and Other Forms of Identity Theft:

        I can send secure messages to Bank over the Internet by logging into My Frost Services via a personal computer with my User ID, Password and AAI and selecting the "Request Assistance" link. Upon selecting the link, my web browser should show that a secure connection has been established. I may also send e-mail to webhelp@frostbank.com, however, I acknowledge that such e-mail I send is subject to the provisions of Section IV.B.(2) below.

        Frost strives to maintain the privacy and security of customer personal data and private information. I understand that the only secure connection that can be established with the Bank is by my logging into My Frost Services at www.frostbank.com. As stated in Section IV.B.(2), any e-mail communications between Bank and myself are not encrypted and are unsecure. I understand and am aware of certain types of Internet scams commonly referred to as "phishing" and "spoofing" whereby individuals attempt to make Internet users believe they are receiving e-mails from a specific trusted source, or that they are securely connected to a trusted website, when that is not the case. Many of these scams attempt to collect personal and private information about consumers so that the perpetrators can commit credit card fraud, bank fraud, or other forms of identity theft.

        I understand and agree that Frost will not send me an e-mail or any SMS text message asking for any of the following personal or private information to be returned to Bank via e-mail, and I will not return such information via e-mail in response to any e-mail even if it purports to come from Bank: my complete account number with Bank; my social security number; any of my ATM/Checkcard numbers or PINs; my User ID, Password or AAI; or any other personal or private information. Frost will also never send an e-mail or any E-mail Service asking me to "click here" or "click on this link" to update my account information. All legitimate e-mail and SMS text messages from Bank will instruct me to log into My Frost Services in order to update or transmit my personal or private information.

        I understand that Bank cautions me to bear the following in mind when viewing unsolicited e-mail or SMS text messages purportedly coming from Frost:

        • I should not trust e-mail headers or SMS text message numbers because they can be easily forged.
        • I should avoid filling out forms in e-mail messages or SMS text messages because a return email or SMS text message may not necessarily be returned to Frost, or may be misrouted on the way to the Bank.
        • From time to time, Frost may send out notification or other e-mails or SMS text messages regarding updated terms conditions, or services, and such e-mail or SMS text messages may include a link or website address to an online Frost document. I understand that I should not click on a "log-in" link or enter any website address purporting to come from Frost in any e-mail or SMS text message, and I understand that I can always type in www.frostbank.com to navigate to the official Frost website.
        • I should fill in all personal or private information only while logged into My Frost Services because logging in establishes a secure connection with Bank.
        • I understand and agree to notify Bank immediately if I believe my User ID, Password or AAI have been transmitted to a website, device or individual other than the official Frost site or Frost personnel, or have been otherwise compromised.
    3. My Frost Services Hours and Availability

      I may use My Frost Services almost any time, day or night, seven (7) days a week. My Frost Services will be temporarily unavailable from time-to-time for scheduled maintenance. Unscheduled downtime may also occur, but Bank will reasonably attempt to minimize service interruptions. I acknowledge and agree that Bank is not responsible for my inability to access My Frost Services for reasons beyond its control, including factors affecting my ISP(s), telecommunications service provider(s), high-speed Internet access provider(s), and other such relevant entities.

    4. What to Do If A My Frost Session (via Personal Computer or Mobile Device) or SMS Text Message is Interrupted?

      If my My Frost Services personal computer or Mobile Device session, or the sending of any SMS text message via my Mobile Device, is interrupted for any reason, I agree to log into My Frost Services again to determine if the previously entered Transaction is displayed. If I cannot reestablish a connection, or ascertain the status of any previously entered Transaction, I will call one of Bank's Internet Banking Specialists at 1-877-714-4932. TO AVOID A DUPLICATE TRANSACTION, I WILL NOT REISSUE A TRANSACTION DURING THE INTERRUPTED SESSION UNLESS I AM ADVISED TO DO SO BY AN INTERNET BANKING SPECIALIST. I AUTHORIZE THE BANK TO PAY ANY DUPLICATE TRANSACTION, AND BANK IS NOT RESPONSIBLE FOR ANY THIRD PARTY'S REFUSAL TO RETURN ANY FUNDS RESULTING FROM A DUPLICATE TRANSFER.

  4. Details Regarding My Frost Services   
    1. Bill Payment Services.    
      1. Bill Payment Services are available through My Frost Services, and may be made available via the optional Mobile Banking Services at Bank's sole discretion. Bill Payment Services allow me to instruct the Bank to transfer funds, either by electronic transfer (such as Automated Clearing House ("ACH")) or by check, to the Payee (each individual transfer being a Bill Payment or Payment). Unless otherwise required by law, the Bank is responsible only for using ordinary care in processing and sending Bill Payments I authorize according to this Agreement.
        1. The Bank is not liable for any of my losses or damages under the following conditions:
          • If I do not have sufficient funds in my account to make the Bill Payment on the date a Payment is scheduled to be sent.
          • If I do not allow adequate time between the date a Bill Payment is scheduled to be sent and the due date, as suggested on the My Frost Services web page I access for Bill Payment Services.
          • For the failure of any Bill Payment Payee to correctly account for or credit the Bill Payment in a timely manner.
          • For any Bill Payment I authorize that contains an error with regard to the identifying information of the Payee, including the refusal of any such unintended Payee to return any funds transferred as a result of such error.
          • For changes to a third party's account name or number or other identifying information if funds are being transferred to the account of that third party, unless I have advised the Bank of the change sufficiently in advance.
          • If Bank has placed a "hold" on any funds in my Deposit Account(s) in accordance with Bank's rights under applicable laws or any other agreements between Bank and me.
          • If a court order, such as garnishment or other legal process, prevents Bank from making a Transfer.
          • If Bank has a reasonable basis for believing that I know or should know that unauthorized use of my User ID, my Password, my AAI or my account(s) has occurred or may be occurring.
          • If I default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with Bank.
          • If Bank or I terminate this Agreement.
          • For any other circumstances beyond the control of the Bank that prevented the Bill Payment, despite reasonable precautions that the Bank has taken, including but not limited to circumstances such as telecommunications outages, power outages, equipment failures, postal strikes, delays caused by other financial institutions, fires and floods.
        2. All Bill Payments must be payable in U.S. dollars to a Payee located in U.S. states and territories and Canadian provinces listed in My Frost Services. Bank may (i) restrict categories of Payees to whom Payments may be sent, and (ii) refuse to pay any payee for any reason at the Bank's discretion.
        3. I must allow sufficient time for my Payment to reach the Payee so that it may be processed prior to the due date, excluding any applicable grace period. Bank strongly recommends that I allow adequate time between the date a Payment is scheduled to be sent and the due date, as suggested on the My Frost Services web page I access for Bill Payment Services. If I schedule my Payment following all Bank instructions and requirements, including allowing adequate time between the date a Payment is scheduled to be sent and the due date, as suggested on the My Frost Services web page, and so long as none of the scenarios or circumstances described in Section IV.A.(1) occur, if the Payment is not applied or credited by the Payee in a timely manner, Bank will reasonably work on my behalf to attempt to resolve the matter, and will pay for any late fees and finance charges that occur due to late credit or application of a Payment.
        4. If the Deposit Account designated by me to provide funds for a Payment does not have sufficient funds to cover the Payment, Bank can attempt to advance the necessary funds from my overdraft protection account. However, if my overdraft protection account does not have sufficient funds to make the entire Payment, the Bank can reject the Payment without liability. If I have any questions regarding a rejection, I may contact one of the Bank's Internet Banking Specialists at 1-877-714- 4932.
        5. I understand that Bank reserves the right to delete my list of Payees if I have not used Bill Payment Services for an extended period of time (as determined by the Bank). If deleted, I must retype the Payee list to use Bill Payment Services again. f. I must refer to the My Frost Services web page for information regarding cut-off times for scheduling Payments.
    2. Optional Online Statement Delivery; Electronic Mail ("e-mail") Communications from Bank; Optional E-mail Services
      1. Optional Online Statement Delivery:

        I understand that I can choose to receive online statement delivery instead of paper-based statement delivery for my account statements ("Online Statement Delivery"). If I select Online Statement Delivery as an option for my profile in My Frost Services, I understand and acknowledge that I will thereafter receive all statements, notices and disclosures in electronic form for any of my current Bank accounts that I select, or any future Bank accounts I open with the Bank. I understand that Online Statement Delivery is also governed by the E-SIGN disclosure and agreement provisions contained in Section VII.A. of this Agreement. I understand that instead of receiving a paper statement each month for each of my accounts, I will receive an e-mail notice to be delivered to my Primary E-mail Address (defined below) when my account statements are available to view via My Frost Services. I understand that these e-mail notices will be sent to me and all signors on each account who have also registered for Online Statement Delivery. I may access my statements and disclosures by logging into My Frost Services and selecting the appropriate links to view my statements or disclosures. Bank will maintain online access to each electronic statement and disclosure for a period of at least ninety (90) days from the date on which the electronic statement or disclosure is first made available via My Frost Services.

        I understand that Online Statement Delivery will continue for all of my current and any future accounts with Bank until such statement delivery options are changed by me or changed at the Bank's discretion (with Bank providing written notice to me of such change at Bank's discretion).

        I understand that Online Statement Delivery will consist of the same information that is contained in paper statements received in the regular mail, subject to the following conditions:

        • If I currently receive imaged copies of my checks with my paper statement, the same imaged copies will be available electronically via My Frost Services.
        • If I currently do not receive imaged checks with my paper statement, then check images will not be available with my electronic statement via My Frost Services.
        • If I currently receive a CD-ROM Image Archive, a text version of my statement will be available via My Frost Services. I will continue to receive by mail the CD-ROM containing the imaged copies of my checks.

        I understand that any changes I request with respect to starting or cancelling Online Statement Delivery will become effective within two (2) statement cycles from the time the request is received by the Bank. Bank will not impose any fees for the cancellation of Online Statement Delivery, however, certain statement fees may apply subject to the current Bank fee schedule. I also understand that I will need to meet all of the equipment, access and system requirements set forth in Section III.A. to access My Frost Services and Mobile Banking Services, and to view and print any statements, notices and disclosures for Online Statement Delivery.

      2. E-mail Communications From Bank:

        As part of my registration for My Frost Services, I am providing Bank with my Internet e-mail address that Bank anticipates using for delivery of My Frost Services ("Primary E-mail Address"), to provide notification of updates and changes to My Frost Services, and to provide statements, notices and disclosures via Online Statement Delivery (if I select that option). In addition, by accepting this Agreement, I agree to receive all disclosures, notices and other communications about My Frost Services, including amendments to this Agreement, in electronic form as further set forth and described in Section VII below. If I do not wish to receive such notices and communications about My Frost Services via electronic delivery, I must follow the requirements for cancellation as set forth in Section VII.A. below. I understand that it is my responsibility to update my Primary E-mail Address (and any Secondary E-mail Address, as defined below) to ensure proper delivery of e-mails. Should I change my Primary E-mail Address for any reason, I will notify Bank immediately to ensure that My Frost Services and communication between myself and Bank are not interrupted. I can change my Primary E-mail Address by accessing My Frost Services. If I cannot enter the change through My Frost Services, I may e-mail Bank at webhelp@frostbank.com, call a Bank representative at 1-877- 714-4932, or write to Bank at Internet Banking Service Center, P.O. Box 1600, San Antonio, TX 78296.

        I understand that Bank strongly encourages me to provide Bank with a second e-mail address, different from my Primary E-mail Address, as a back-up address ("Secondary E-mail Address"). In the event that an e-mail delivery regarding my statement to my Primary E-mail address fails, Bank will attempt to send such e-mail regarding my statement to my Secondary E-mail Address. If the attempt to send such e-mail regarding my statement to my Secondary E-mail Address fails, or if I do not have a Secondary E-mail Address on file, the e-mail regarding my statement will be deemed delivered to me when it is e-mailed or otherwise made available to me. It is my responsibility to keep my Primary E-mail Address and any Secondary E-mail Address on file with Bank accurate at all times. I understand that by selecting the Online Statement Disclosure option via My Frost Services, I am also verifying that as of the date of such selection that I have provided Bank with my most current physical address information, and that I agree to promptly provide Bank notice of any changes or updates to my physical address. I understand that any undeliverable e-mail notifications will be sent to my physical address if either (a) an attempt to send the same e-mail notice to any Secondary E-mail Address fails, or (b) I do not have a Secondary E-mail Address listed. If I choose to pick up my statements at a Frost financial center, I understand that any physical notice will be kept for me in the event that attempts to deliver notices to the Primary or Secondary E-mail Addresses fail.

        I understand that I will need to meet all of the equipment, access and system requirements set forth in Section III.A. to access My Frost Services and Mobile Banking Services, and to view and print any e-mail statements, notices and disclosures for My Frost Services.

        I acknowledge and agree that because e-mail is not secure, and due to the inability to verify identity via e-mail, Bank will not use e-mail to perform transactions on my account(s) unless Bank is able to validate the request by other means of communication with Bank. I understand that the Bank is only required to attempt re-delivery of failed e-mails originally sent to my Primary E-mail Address in the manner stated above. I further understand and agree that Bank will not be liable for any loss or damage incurred by me when an unauthorized person gains access to any such e-mail (see security procedures and warnings in Section III.B.). I AGREE TO INDEMNIFY THE BANK AND HOLD THE BANK HARMLESS IF THE BANK ACTS WITH ORDINARY DUE CARE AND IN GOOD FAITH IN RESPONDING TO ANY E-MAIL PURPORTED TO BE SENT BY ME. I can send secure messages to Bank over the Internet by logging into My Frost Services with my User ID, Password and AAI and selecting the "Request Assistance" link. Bank's use of its normal security procedures for maintaining confidentiality and security of information shall constitute fulfillment of Bank's obligations to exercise due care.

      3. Activation of Optional E-mail Services through My Frost Services:

        E-mail Services are available through My Frost Services. Bank may make additional E-Mail Services available in the future. I understand that I may activate any of the E-Mail Services, and that my selected E-Mail Services will be effective after activation by my making selections in My Frost Services. I accept and acknowledge that each E-Mail Service may not be encrypted, and because such E-Mail Services are not encrypted, Bank will never include my User ID, Password, or full account number. However, E-Mail Services may include my name and information about my account(s), such as the last four digits of my account number, or specific account transaction information. I acknowledge that transmission of the masked account number and specific information including but not limited to dollar amounts, or individual Payees and payers, does not constitute transmission of personal or private information, and I hereby authorize Bank to send such information via e-mail to my Primary E-mail Address provided to Bank. BANK SHALL NOT BE LIABLE FOR LOSSES OR DAMAGES ARISING FROM NONDELIVERY, DELAYED DELIVERY, OR WRONG DELIVERY OF AN E-MAIL SERVICE; INACCURATE CONTENT IN ANY E-MAIL SERVICE; ANY ACTIONS RESULTING FROM THE INTENTIONAL OR UNINTENTIONAL DISCLOSURE OF ANY E-MAIL SERVICE OR ITS CONTENTS BY ME TO ANY UNAUTHORIZED PERSON; OR MY USE OR RELIANCE ON THE CONTENTS OF ANY EMAIL SERVICE FOR ANY PURPOSE. I also acknowledge that all of the terms and conditions regarding e-mail communications stated in Section IV.B.(1) also apply to optional E-Mail Services.

    3. Optional Mobile Banking Services
      1. Mobile Banking Services Via Mobile Device's Web Browser and SMS Text Messaging:

        This section of the Agreement governs my election to use the optional Mobile Banking Services that are offered by Bank as part of My Frost Services. While the Mobile Banking Services are currently offered at no charge by Bank, I understand that if I decide to activate the Mobile Banking Services, I am responsible for meeting all Mobile Device system requirements set forth in Section III.A.(2) above, and for all associated costs and expenses, including, without limitation, all fees I incur for data transfers and as a result of sending and receiving text messages through my Mobile Device service. I understand that Mobile Banking Services are also governed by the E-SIGN disclosure and agreement provisions contained in Section VII.A. of this Agreement. In addition, I understand that transactions I conduct via Mobile Banking Services may also be subject to (a) applicable Bankimposed fees (as set forth in other agreements I have with Frost), and (b) fees imposed by third parties with whom I have entered into other agreements. I understand that Bank reserves the right to assess fees or otherwise charge for Mobile Banking Services in the future upon prior written notice of such fees or charges, with such prior written notice being sent in accordance with Section VI.C. below.

        I understand and acknowledge that the Mobile Banking Services allows me to conduct certain My Frost Services via my Mobile Device. Bank, in its sole discretion, shall determine which My Frost Services shall be included in the Mobile Banking Services. I understand that to obtain further details regarding the scope of available optional Mobile Banking Services, I must visit www.frostbank.com and access the information regarding Mobile Banking Services. From time to time, Bank may develop additional Mobile Banking Services, and I understand that I will have the opportunity to subscribe to them, provided that I have the necessary Mobile Device and related hardware and software.

        By deciding to enroll in the optional Mobile Banking Services, I understand that I am providing my express consent to Bank to permit Bank to contact me for account alerts, servicing, marketing and fraud prevention purposes, and any other purposes as provided in this Agreement or under other applicable Bank agreements. I understand that by selecting the optional Mobile Banking Services, I am agreeing that Bank may transmit e-mail communications that I access via the web browser on my specified Mobile Device and/or SMS text messages directly to my specified Mobile Device that contain certain information and alerts about the accounts I select. SMS text messages may be sent in response to SMS text messages Bank receives from my specified Mobile Device or, in some cases, upon the occurrence of a pre-defined condition related to my account (for example, a low balance, overdraft or receipt of deposit). I also agree and acknowledge that account alerts sent via e-mail communications accessed via the web browser on a Mobile Device and/or via SMS text messages will be sent to any and all signors on the account who have registered for the Mobile Banking Service, provided they have given Bank a valid telephone number for a Mobile Device, and have subscribed to the applicable alert. I understand that I am solely responsible for all costs assessed by my Mobile Device service provider for receiving SMS messages or other data on my Mobile Device.

        I understand that I must complete the entire registration process as outlined at www.frostbank.com, including an affirmative statement that my Mobile Device meets the Bank's minimum system requirements. I also understand that I will need to meet all of the equipment, access and system requirements set forth in Section III.A. to access Mobile Banking Services, and to view and print any e-mail statements, notices and disclosures for Mobile Banking Services.

        All communications and text messages transmitted to Bank using the Mobile Banking Services are not confidential and are deemed to be the Bank's property. Bank may provide me information, offers, advertisements, links or other materials maintained or offered by third parties in accordance with applicable law and in accordance with Bank's "Customer Privacy Statement." Bank does not control or endorse in any respect any information, products or services maintained or offered by such third parties. I understand that my use of third party content or the purchase of third party products or services is at my own risk. I also acknowledge that the privacy policies of other third party businesses providing any information, services or products in relation to or through the Mobile Banking Services may be different than those of Bank and I should review those policies before engaging in a transaction or providing any personally identifiable information to such business.

        As part of my registration for the Mobile Banking Services, I understand that I must certify that I am a customer of Bank, and I agree to provide a valid U.S. telephone number, including the area code, for my Mobile Device that will be used for the Mobile Banking Services.

        I understand that it is my responsibility to provide true, accurate, current and complete information about myself when registering for the Mobile Banking Services and to maintain and promptly update the registration data to keep it true, accurate, current and complete. Without limiting the foregoing, I understand it is my responsibility to update my telephone number if and when it changes in order to ensure proper delivery of Mobile Banking Services, including SMS text messages. If I change my telephone number for any reason, I will notify Bank immediately to ensure that my Mobile Banking Services and Bank's communications are not interrupted or inadvertently delivered to another recipient who may be assigned my prior telephone number. I may change my phone number by following the steps outlined at www.frostbank.com

        .
      2. Additional Information Regarding SMS Text Messages.

        The Mobile Banking Services includes the SMS text message feature which allows me to conduct certain My Frost Services using only the SMS text message feature on my Mobile Device. I understand that I will need a SMS text message enabled Mobile Device to use the SMS text message feature. I also understand that I do not need Internet access on my Mobile Device to use the SMS text messaging feature.

    4. Non-Sufficient Funds Notification Service ("NSF Notification Service") and Non-Sufficient Funds Display ("Display Service")

      The NSF Notification Service is an optional E-Mail Service that is only available for Deposit Accounts on which I am a signer. Bank, in its sole discretion, may decide to offer the NSF Notification Service as part of its Mobile Banking Services. I understand that I can log into My Frost Services and can use the Display Service to view any NSFs, whether or not I have subscribed to the NSF Notification Service.

      I understand that the NSF Notification Service and the Display Service are provided for my information only. Bank makes no warranties or guarantees regarding the payment or non-payment of transactions, checks or ACH transfers, reported through these services. Bank may choose, in its sole discretion to pay some transactions rejected for NSF regardless of my account balance; I understand this does not guarantee or imply that Bank will pay any further transactions rejected for NSF. The NSF Notifications via e-mail (and via Mobile Banking Services, if applicable), and the Display Service, may not reflect a complete list of all NSFs and may include NSF items that the Bank has already paid. Furthermore, NSF transactions that Bank has already decided to pay may not be displayed in the Display Service, and NSF items displayed may subsequently be paid by Bank.

      Each NSF Notification Service e-mail (and notification via Mobile Banking Services, if applicable) is subject to the terms and conditions listed in Section IV.B. and C. (if applicable) of this Agreement. I agree and acknowledge that Bank is providing NSF Notification Service and Display Service for my information and convenience only. I agree that Bank is not responsible if NSF information is not available due to technical difficulties or circumstances beyond Bank's control. I also agree that Bank is not liable for any Transactions appropriately rejected for NSF or for any service charges or fees resulting from those Transactions or from NSF transactions paid by the Bank.

  5. Required Disclosures Under Electronic Funds Transfer Act and Federal Reserve Regulation E

    The following provisions apply to those My Frost Services, including, but not limited to, Mobile Banking Services, used to access Deposit Account(s) of Consumer Customers whose Deposit Account(s) are established primarily for personal, family or household purposes. I understand these provisions do not apply to me if I am a commercial customer accessing Deposit Account(s) with the Bank established for business purposes.

    1. Transfers Generally

      I understand all Transfers must originate from a Deposit Account on which I am a current signer. Bank reserves the right to refuse the acceptance of any particular Transfer for any reason.

    2. Limits

      Unless otherwise provided in any other agreements I may have with the Bank, the maximum dollar limit for all Transfers within a 24-hour period is equal to the available balance in any Deposit Account(s), or may be another maximum amount set by Bank and communicated to me. If my Deposit Account does not have sufficient funds to complete a Transfer, Bank may refuse to conduct the Transfer. If Bank does complete the Transfer, I am responsible for any overdrafts or fees that are generated. I understand that federal limitations on the number of Transfers per each statement period applicable to money market and savings accounts per each statement period will apply, and the number of Transfers that I can make from such accounts will be limited. I should refer to Bank's money market account and savings account disclosures or contact Bank's Customer Service at 1-800-513-7678 for details on limitations.

    3. Scheduling Transfers

      I understand that detailed instructions for scheduling transfers are located in My Frost Services. The first payment of a recurring Transfer conducted through My Frost Services must be scheduled for a date that is a valid date for that month. Should subsequent months not include that date, then the Bank will assume I mean to schedule a Transfer on the first day of the following month. For example, if the first monthly Transfer is scheduled for January 31, the second monthly transfer will not occur until March 1. If the first day of the following month is not a Business Day, then the Transfer may not be processed until the next Business Day.

    4. Canceling My Transfers

      I understand that I cannot cancel an immediate Transfer from my Deposit Account(s) after it has been entered into My Frost Services and the information has been transmitted to Bank. In order to cancel future-dated payments, I must log into My Frost Services and follow the directions provided for canceling Transfers. Although the easiest and most convenient way to cancel a Transfer is through logging into My Frost Services, I may request to cancel a future-dated Transfer by calling Bank's Internet Banking Specialists at 1-877-714-4932, or writing to Frost Internet Banking Service Center at Box 1600, San Antonio, TX 78296. Bank must receive a cancellation request via telephone or in writing at least three (3) Business Days before the Transfer is scheduled. If I give a cancellation request via telephone, I must send Bank written confirmation of my request within fourteen (14) days after the date of my call. If I do not provide required notice of cancellation, Bank will not be liable for any losses or damages incurred by me if the Transfer is not cancelled. Bank is not responsible for any Transfers made before it has a reasonable opportunity to act on my cancellation notice.

    5. Documentation

      I will get a statement for each of my Deposit Account(s) which will reflect, among other things, all Transfers that have occurred during my monthly billing cycle. I will receive a statement at least quarterly for each Deposit Account, even if no activity has occurred during the time period covered by that statement.

    6. Bank's Liability for Failure to Complete a Transaction

      If Bank does not complete a Transfer on time, or in the correct amount according to my instructions, Bank may be liable for my losses or damages up to the amount of the Transfer. Except as otherwise expressly provided for under Section IV.A.(1), Bank is not liable to me for any special, incidental, exemplary, punitive or consequential losses or damages of any kind. However, there are some exceptions to Bank's liability. Bank will not be liable, for instance, if:

      • Through no fault of Bank, there are not sufficient funds in the Deposit Account to make the Transfer, or the account has been closed.
      • Through no fault of Bank, the Transfer would go over the credit limit or available amount on any applicable overdraft line for my Deposit Account(s).
      • I have not properly followed the scheduling instructions and requirements for making a Transfer according to this Agreement.
      • Circumstances beyond Bank's control prevented the Transfer, despite reasonable precautions that Bank has taken. Such circumstances include telecommunication outages, power outages, equipment failures, postal strikes, delays caused by other financial institutions, fires, and floods.
      • Bank has placed a "hold" on any funds in my Deposit Account(s) in accordance with Bank's rights under applicable laws or any other agreements between Bank and I.
      • Bank has received incomplete or inaccurate information from me or a third party involving the Transfer.
      • A court order, such as a garnishment or other legal process, prevents Bank from making a Transfer.
      • Bank has a reasonable basis for believing that unauthorized use of my User ID, my Password, my AAI or my Deposit Account(s) has occurred or may be occurring.
      • I default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with Bank.
      • Bank or I terminate this Agreement.

      There may be other exceptions, in addition to those listed above, stated in any of Bank's other agreements with me, or as permitted by law.

      If any of the above circumstances occur, Bank will assist me if requested with reasonable efforts in taking appropriate corrective action to reprocess a Transfer that may not have been completed, or to correct any incorrect Transfer that has been processed.

    7. My Liability For Unauthorized Use

      I will tell Bank AT ONCE if I believe that my User ID, my Password and/or my AAI has been lost or stolen or used without my permission. I understand and acknowledge that the best way to minimize my loss is to call Bank immediately. I also understand that the unauthorized use of my User ID, my Password and/or my AAI could cause me to lose all of the money in my accounts, plus any amount available under my overdraft protection, if I do not notify Bank in a timely manner. I understand that I will have no liability for unauthorized transactions if I notify Bank within sixty (60) days after the statement showing the transaction has been mailed to me. If I do not tell Bank within sixty (60) days after the statement was mailed to me, I may not get back any money I lost after the 60 days if Bank can prove that I could have stopped someone from taking the money if I had told Bank in time. If a valid reason (such as a long trip or a hospital stay) kept me from telling Bank, I understand that Bank will extend the time periods.

      For any of my Transactions processed through the VISA or MasterCard system, my liability limits will differ from those set forth above. For transactions processed through the VISA or MasterCard system (for example, use of my personal checkcard when no PIN is used), I understand that I will have no liability in accordance with each network's respective policies regarding "zero liability" for unauthorized transactions if I report the unauthorized transactions to Bank. Bank may impose greater liability, to the extent allowed by law, if Bank reasonably determines that I was either grossly negligent or fraudulent in the handling of my My Frost Services Transactions processed through the VISA or MasterCard system. This may include my delay for an unreasonable time in reporting unauthorized transactions.

      If I assert that an unauthorized Transfer may have occurred, or I believe my User ID, my Password and/or my AAI has become known to an unauthorized person, Bank may require me to sign a sworn statement/ affidavit to that effect.

      If I have selected optional Mobile Banking Services, I understand that I am solely responsible for notifying Bank immediately in the event that my Mobile Device associated with the telephone number provided to Bank to register for Mobile Banking Services is lost, stolen, changed or destroyed. I understand that with regard to SMS text messages, failure to promptly notify Bank may result in my failure to receive important SMS text messages and/or the interception of such SMS text messages by unauthorized third parties. I may also incur SMS text messaging fees for such SMS text messages even if I do not receive them. I understand that the Bank is not responsible for any costs, expenses, liabilities or damages that I incur as a result of my failure to receive an SMS text message, the interception of any SMS text message by an unauthorized or other third party, or my incurrence of SMS text messaging fees for SMS text messages I did not receive.

      I UNDERSTAND AND ACKNOWLEDGE THAT IN ADDITION TO ANY DISCLAIMERS OR LIMITATIONS OF LIABILITY AS OTHERWISE STATED IN THIS AGREEMENT, BANK SHALL NOT BE LIABLE FOR LOSSES OR DAMAGES ARISING FROM: (i) NON-DELIVERY, DELAYED DELIVERY OR WRONG DELIVERY OF ANY E-MAIL COMMUNICATION THAT I WOULD NORMALLY ACCESS VIA THE WEB BROWSER ON MY MOBILE DEVICE OR OF ANY SMS TEXT MESSAGE NORMALLY SENT DIRECTLY TO MY MOBILE DEVICE; (ii) INACCURATE CONTENT IN ANY E-MAIL COMMUNICATION THAT I ACCESS VIA THE WEB BROWSER ON MY MOBILE DEVICE OR IN ANY SMS TEXT MESSAGE SENT DIRECTLY TO MY MOBILE DEVICE; (iii) ANY ACTIONS RESULTING FROM THE INTENTIONAL OR UNINTENTIONAL DISCLOSURE BY ME TO ANY UNAUTHORIZED PERSON OF THE CONTENTS OF ANY E-MAIL COMMUNICATION I ACCESS VIA THE WEB BROWSER ON MY MOBILE DEVICE OR ANY SMS TEXT MESSAGE SENT DIRECTLY TO MY MOBILE DEVICE; OR MY USE OR RELIANCE ON THE CONTENTS OF ANY SUCH E-MAIL OR SMS TEXT MESSAGE FOR ANY PURPOSE.

    8. Errors or Questions

      In case of errors or questions about Transfers, I should call Bank's Internet Banking Service Center at 1-877-714-4932 or I should write to Bank at: Frost Internet Banking Service Center, P.O. Box 1600, San Antonio, Texas 78296. If I think my account statement is wrong or if I need more information about a Transfer listed on the statement, I must contact Bank immediately. I understand that Bank must be notified no later than sixty (60) days after the FIRST account statement on which the problem or error appeared was mailed, and I must:

      • Tell Bank my name and account number;
      • Describe the error or the Transfer I am unsure about, and explain as clearly as I can why I believe it is an error or why I need more information;
      • Tell Bank the dollar amount of the suspected error.

      If I tell Bank via telephone, Bank may require that I send my complaint or question in writing within ten (10) Business Days. Bank may also require me to provide my complaint in the form of a sworn statement/ affidavit.

      Bank will determine whether an error occurred within ten (10) Business Days after Bank hears from me and will correct any error promptly. If Bank needs more time, however, Bank may take up to forty five (45) days to investigate my complaint or question. If Bank decides to do this, it will provisionally recredit my Deposit Account within ten (10) Business Days for the amount thought to be in error so that I will have the use of the money during the time it takes Bank to complete its investigation. If Bank asks me to put my complaint or question in writing and Bank does not receive it within ten (10) Business Days, Bank may decide not to provisionally recredit my Deposit Account.

      For errors involving new accounts, Bank may take up to ninety (90) Business Days to investigate my complaint or question and up to twenty (20) Business Days to credit my account for the amount I think is in error.

      If a notice of error involves a Transaction processed through the VISA or System, Bank will provide provisional credit within five (5) Business Days after I notify Bank instead of the usual ten (10) or (20) Business Days. Bank may, in its sole discretion, withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if Bank believes that the circumstances of account history warrants the delay.

      Bank will tell me the results within three (3) Business Days of completing its investigation. If Bank determines that there was no error, Bank will send me a written explanation. I may ask for copies of the documents that Bank used in its investigation. If Bank provisionally re-credited my account, Bank may take back the amount of any credit if it finds that an error did not occur.

    9. Account Information Disclosure

      I understand that Bank will disclose information to third parties about my Deposit Account(s) and the authorized Transfers:

      • When necessary to verify or complete Transfers or to resolve a problem related to a Transfer
      • To verify the existence and the condition of my Deposit Account for a third party, such as a credit bureau or merchant
      • To comply with any government agency or court order
      • At the Bank's discretion, to any subsidiary or affiliate
      • If I give Bank my written permission
      • As otherwise permitted in the Bank's "Deposit Account Agreement and Other Disclosures," by law, or as required by government regulations
  6. Other Terms and Conditions
    1. Charges and Fees   
      • There is no service charge for accessing my accounts with My Frost Services.
      • My Frost Services with Bill Payment Services – There is no service charge for paying bills via My Frost Services with Bill Payment Services, unless such fees are expressly indicated in my account agreement.
      • I should note that depending on how I access My Frost Services, I might incur charges for:
        • Normal account fees and service charges
        • Payments or transfers made through My Frost Services from a savings or money market account may result in an excess transaction fee (I must refer to my savings or money market account agreement or fee schedule for details)
        • Additional fees may be assessed for added self-service features available through My Frost Services, such as certain stop payment requests, requesting check copy orders, ordering new checks, obtaining account statement copies or any additional services for which the Bank chooses to offer to me for a fee (I must consult the applicable agreement governing the account to determine if my accounts are subject to these fees)
        • An NSF or overdraft fee may also apply if I schedule payments or transfers from one of my accounts and my available balance is not sufficient to process the transaction on the date scheduled
        • Bank may also charge me a research fee as stated in any applicable fee schedule I understand that Bank may charge additional fees for use of My Frost Services, and that I may be subject to any other applicable fees related to any Transaction as set forth in any applicable agreement. Bank will automatically deduct fees related to the Transactions on either the account statement date for the account for which My Frost Services are provided, or on the date the My Frost Service is actually provided. If Bank decides to change the fees it charges in connection with My Frost Services, Bank will notify me at least thirty (30) days prior to the effective date of the change, and a notification to me at my Primary E-mail Address is acceptable notification.
    2. Contacting Frost

      In addition to the electronic communication methods discussed in Section IV of this Agreement, I may also contact a Frost Internet Banking Specialist with any questions or concerns by calling toll free at 1- 877-714-4932. Bank's specialists will be available to assist me 24/7.
           
      I may also call the Internet Banking Service Center with my questions regarding general information about my account(s), such as balance information, transactions conducted outside of My Frost Services, questions regarding interest earned, or other general questions or concerns.

    3. Changes to Agreement; Termination of My Frost Services (including Mobile Banking Services).

      I understand that Bank reserves the right to change the Agreement at any time, and that Bank will mail by regular U.S. postal mail, or by e-mail, notice to me at least twenty-one (21) days before the effective date of any change to my Deposit or Loan Account services that would result in increased liabilities for me, increased fees, a reduction in the types or available Transfers, or stricter limits on frequency or dollar amounts of Transfers, unless such prior notice is otherwise excused by law. I agree that Bank is not liable or otherwise responsible if I do not receive such notification via e-mail because I have changed my Primary E-mail Address and not informed the Bank of such change. By using My Frost Services after any changes or amendments are effective, I am agreeing to be bound by such revised Agreement. I may review the most current version of this Agreement anytime at www.frostbank.com.

      Bank and I agree that I may terminate this Agreement and/or one or more of the My Frost Services or Mobile Banking Services that I have selected at any time with or without cause upon prior notice to Bank. To terminate this Agreement, I shall give notice via telephone by contacting one of Bank's Internet Banking Specialists at 1-877-714-4932, or by sending written notice to the Frost Internet Banking Service Center at P.O. Box 1600, San Antonio, Texas 78296.

      To terminate any particular My Frost Service or Mobile Banking Service, I understand that I must give notice via telephone by contacting one of Bank's Internet Banking Specialists at 1-877-714-4932, by sending written notice to the Frost Internet Banking Service Center at P.O. Box 1600, San Antonio, Texas 78296, or by logging into the Bank website at www.frostbank.com and following the instructions for de-selecting a particular My Frost Service or Mobile Banking Service. I understand that the Bank may, in its sole discretion, terminate this Agreement in its entirety or terminate one or more specified My Frost Services or Mobile Banking Services effective immediately, with or without cause. Bank will provide written notice to me before Bank terminates this Agreement or any My Frost Service or Mobile Banking Service for any reason other than abuse of the My Frost Services or Mobile Banking Services, or to prevent a loss.

      I understand that the termination of this Agreement and/or any of the My Frost Services or Mobile Banking Services will not release me from any fees or other obligations incurred prior to the date upon which this Agreement or the particular My Frost Service or Mobile Banking Service is terminated, any fees assessed by Bank in the process of terminating this Agreement and/or any of the My Frost Services or Mobile Banking Services, or from my responsibility to maintain sufficient funds in my Accounts to cover any outstanding items originated via any My Frost Service or Mobile Banking Service.

    4. Children Using My Frost Services

      The safety and privacy protection of children is very important to Frost. Children should always ask their parent or guardian for permission before sending personal information to anyone online. I understand that only the parent or legal guardian of a child under the age of 13 has authority to access My Frost Services, even if the account has been established on behalf of that child. If I permit a child under the age of 13 to use My Frost Services, or give the child my User ID, Password or my AAI, I understand that I am responsible for all activity the child initiates from or to any of my accounts, even if he or she exceeds my authorization. I understand that I can contact Bank in accordance with Section V.H of this Agreement with any questions or concerns.

    5. Bank Records and Data

      I acknowledge that Bank may elect to record or otherwise document information and e-mail messages entered via My Frost Services for record keeping purposes, and I authorize Bank to record such information. The Bank's records kept in the regular course of business will be presumed to accurately reflect the contents of my instructions to Bank, and in the absence of manifest error, will be binding and conclusive.

    6. Bank's Use of Third Party Service Providers

      Frost's ability to provide certain of the My Frost Services depends on its ability to provide access to third party networks. For details regarding Bank's safeguarding of my personal information, I should refer to the Bank's "Customer Privacy Statement" available at www.frostbank.com. In the event that Bank determines, in its sole discretion, that it is unable to provide third party network access, Bank may discontinue the related My Frost Services(s) or may provide the My Frost Service(s) through alternate third party networks. I understand that Bank shall have no liability for the unavailability of access during any transition period, and shall give me written notice of any My Frost Service involving Transfers to or from my Deposit Account(s) being discontinued at least twenty-one (21) days in advance of such termination, unless such prior notice is otherwise excused by law.

    7. Bookmarking and Linking

      I understand that I may create a bookmark in my web browser to the My Frost Services page. I may not create any link to My Frost Services without the written approval of Bank, including, without limitation, a link on a publicly accessible website. I should refer to the Frost "Terms and Conditions of Use" regarding the Frost site (available at www.frostbank.com) for information regarding permitted links to the Frost home page.

    8. Disclaimer of Warranties

      While Bank hopes that the My Frost Services and Mobile Banking Services are useful and reliable, I understand that Bank and its third party service providers cannot and do not make any representation or warranty: (i) that I will have continuous or uninterrupted access to the My Frost Services or the Mobile Banking Services or any of its information, content or functions; (ii) that the My Frost Services or the Mobile Banking Services will operate on a continuous or uninterrupted basis; or (iii) that any information, content or functions will be error-free. BANK AND ITS THIRD PARTY SERVICE PROVIDERS PROVIDE THE MY FROST SERVICES AND ALL INFORMATION AND CONTENT DELIVERED BY OR THROUGH THE MY FROST SERVICES TO ME "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. BANK AND ITS THIRD PARTY SERVICE PROVIDERS DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SECURITY, PERFORMANCE, ACCURACY, AVAILABILITY, CONTENT, FUNCTION, ACCESSIBILITY, NON-INTERRUPTION, NONINFRINGEMENT, AND ANY IMPLIED WARRANTY ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. BANK AND ITS THIRD PARTY SERVICE PROVIDERS ALSO DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, RELATED TO ANY ADVERTISEMENTS OR WEBSITES IN CONNECTION WITH THE MY FROST SERVICES. I UNDERSTAND THAT MY SOLE AND EXCLUSIVE REMEDY FOR ANY FAILURE OR NON-PERFORMANCE OF THE SERVICE (INCLUDING ANY SOFTWARE OR OTHER MATERIALS SUPPLIED IN CONNECTION WITH THE SERVICE) SHALL BE FOR BANK TO USE COMMERCIALLY REASONABLE EFFORTS TO PERFORM AND ADJUSTMENT OR REPAIR OF THE SERVICE. SOME STATES DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO ME. I MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM STATE TO STATE.

    9. Exclusion of Damages; General Limitation of Liability

      TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AND EXCEPT AS OTHERWISE EXPRESSLY PROVIDED FOR UNDER SECTION IV.A.(1) HEREIN, BANK AND ITS PARENTS, AFFILIATES, SUBSIDIARIES, AGENTS, LICENSORS AND THIRD PARTY SERVICE PROVIDERS, AND EACH OF THEIR OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONSULTANTS AND AGENTS, SHALL NOT BE LIABLE TO ME OR TO ANY OTHERS FOR DAMAGES IN EXCESS OF MY ACTUAL LOSSES OR DAMAGES UP TO THE AMOUNT OF THE TRANSFER DUE TO BANK'S FAILURE TO COMPLETE A TRANSFER. BANK WILL NOT BE LIABLE FOR ANY SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL LOSSES OR DAMAGES (INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA, FILES, PROFIT OR GOODWILL OR THE COSTS OF SUBSTITUTE GOODS OR SERVICES), WHETHER CAUSED BY THE EQUIPMENT AND/OR THE SERVICES, NOR WILL BANK BE RESPONSIBLE FOR ANY DIRECTOR INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL LOSSES OR DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF MY EQUIPMENT. THE MY FROST SERVICES ARE PROVIDED "AS IS." I UNDERSTAND THAT BANK DOES NOT MAKE ANY WARRANTIES CONCERNING THE SERVICES INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

      SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO ME. I MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM STATE TO STATE.

    10. Indemnification

      TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, I AGREE TO RELEASE, INDEMNIFY, DEFEND AND HOLD HARMLESS BANK AND ITS PARENTS, AFFILIATES, SUBSIDIARIES, AGENTS, LICENSORS AND THIRD PARTY SERVICE PROVIDERS, AND EACH OF THEIR OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONSULTANTS AND AGENTS, FROM AND AGAINST ALL DAMAGES, CLAIMS, LIABILITIES, AND EXPENSES (INCLUDING, WITHOUT LIMITATION, ATTORNEYS' FEES) BROUGHT BY ANY PERSON ARISING FROM OR RELATING TO MY ACCESS AND USE OF THE MY FROST SERVICES, INCLUDING, WITHOUT LIMITATION, ANY CLAIMS ALLEGING FACTS THAT IF TRUE WOULD: (i) CONSTITUTE A BREACH BY ME OF THIS AGREEMENT; (ii) CONSTITUTE INFRINGEMENT, MISUSE OR MISAPPROPRIATION OF INFORMATION, DATA, FILES OR OTHER MATERIALS SUBMITTED BY ME TO THE MY FROST SERVICES; (iii) CONSTITUTE FRAUD OR MALICIOUS CONDUCT BY ME; (iv) CONSTITUTE A VIOLATION BY ME OF ANY LAW OR RIGHTS OF A THIRD PARTY; (v) CONSTITUTE A CLAIM FOR WHICH I HAVE AGREED TO PROVIDE INDEMNIFICATION ELSEWHERE IN THIS AGREEMENT; OR (vi) CONSTITUTE A CLAIM FOR DAMAGES FOR WHICH I HAVE AGREED ELSEWHERE IN THIS AGREEMENT THAT BANK IS NOT RESPONSIBLE.

    11. Assignment

      I may not assign all or any part of my rights or obligations under this Agreement without Bank's prior express written consent, which may be withheld in the Bank's sole discretion. The Bank may assign or delegate this Agreement or all or any part of its rights under this Agreement, including without limitation, the performance of Services described herein. This Agreement is binding on and shall inure to the benefit of the successors and permitted assigns of either party.

    12. Proprietary Rights

      I understand that other than my materials and account information, all content received through My Frost Services or Mobile Banking Services is the exclusive property of Bank and/or its licensors and is protected by copyright and other intellectual property rights. The trademarks, logos and service marks displayed through the My Frost Services or Mobile Banking Services are the registered and unregistered trademarks of Bank and/or of third parties with whom Bank has entered into licensing or other agreements. I understand that under no circumstances may I use, copy, alter, modify or change these trademarks, logos and service marks. Nothing available through the My Frost Services or Mobile Banking Services or contained in this Agreement should be construed as granting by implication or otherwise any license or right to use any trademarks, logos, and service marks without the express written permission of Bank, or the third party which has the rights to such trademarks, logos and service marks, as appropriate.

    13. Governing Law; Dispute Resolution; Waiver of Jury Trial

      I understand that any disputes arising from or related to my accounts shall be governed by federal law and all applicable substantive laws of the State of Texas (without regard to its conflict of laws principles). Bank is located in Texas and that is where I opened my account. In addition, Bank is subject to certain federal and state regulations, as well as national and local clearing house rules regarding some of the matters addressed in this Agreement and Bank must comply with these laws, regulations and rules. I agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation or rule, the terms of the Agreement will prevail to the extent any such law, regulation or rule may be modified by agreement. IN THE EVENT OF ANY DISPUTE ARISING OUT OF OR RELATED TO THIS AGREEMENT, BANK AND I SHALL FIRST ATTEMPT IN GOOD FAITH TO PROMPTLY RESOLVE SUCH DISPUTE THROUGH NEGOTIATION. IN THE EVENT OF ANY DISPUTE, I (OR MY AUTHORIZED REPRESENTATIVE) AND BANK SHALL MEET AT LEAST ONCE TO NEGOTIATE IN GOOD FAITH TO RESOLVE THE DISPUTE. EITHER BANK OR I MAY REQUEST TO MEET TO CONDUCT SUCH NEGOTIATION OF A DISPUTE WITHIN FIFTEEN (15) CALENDAR DAYS OF SUCH REQUEST AT A MUTUALLY AGREED TIME AND PLACE. IF BANK AND I ARE NOT ABLE TO CONDUCT SUCH MEETING WITHIN THE SAID FIFTEEN (15) CALENDAR DAY PERIOD, OR ARE UNABLE TO RESOLVE THE DISPUTE WITHIN THIRTY (30) CALENDAR DAYS AFTER THE INITIAL NEGOTIATION MEETING, THEN BANK AND I AGREE TO SUBMIT THE DISPUTE TO MEDIATION. BANK AND I FURTHER AGREE THAT PARTICIPATION IN MEDIATION IS A CONDITION PRECEDENT TO EITHER BANK OR I PURSUING OR COMMENCING ANY LITIGATION OR OTHER PROCEDURE BEFORE A COURT OR OTHER TRIER OF FACT. EITHER BANK OR I MAY REQUEST MEDIATION UPON WRITTEN NOTICE TO THE OTHER PARTY, AND THE MEDIATION MUST TAKE PLACE WITHIN THIRTY (30) CALENDAR DAYS AFTER THE DATE SUCH NOTICE IS GIVEN. BANK AND I MUST JOINTLY APPOINT A MUTUALLY ACCEPTABLE MEDIATOR.

      IF BANK AND I ARE UNABLE TO AGREE UPON THE APPOINTMENT OF A MEDIATOR WITHIN SEVEN (7) CALENDAR DAYS AFTER EITHER BANK OR I HAVE GIVEN NOTICE OF A DESIRE TO MEDIATE THE DISPUTE, BOTH BANK AND I SHALL EACH DESIGNATE A MEDIATOR, AND SUCH MEDIATORS SHALL SELECT A THIRD MEDIATOR WHO SHALL ACT AS THE NEUTRAL MEDIATOR IN ASSISTING BANK AND I IN RESOLVING THE DISPUTE. ALL COSTS, EXPENSES AND FEES WITH REGARD TO ANY MEDIATION SHALL BE DIVIDED EQUALLY BETWEEN BANK AND I, AND BANK AND I SHALL EACH BE SOLELY RESPONSIBLE FOR PAYMENT OF SUCH COSTS, EXPENSES AND FEES. ALL MEDIATIONS SHALL OCCUR IN THE CLOSEST U.S. CITY TO MY PERMANENT RESIDENCE, OR IF MY PERMANENT RESIDENCE IS OUTSIDE OF THE STATE OF TEXAS OR THE U.S., THEN IN SAN ANTONIO, TEXAS. IN THE EVENT THAT THE DISPUTE OR CLAIM IS RESOLVED SUCCESSFULLY THROUGH THE MEDIATION PROCESS, SUCH RESOLUTION WILL BE DOCUMENTED BY A WRITTEN AGREEMENT EXECUTED BY BANK AND I.

      IF THE MEDIATION DOES NOT SUCCESSFULLY RESOLVE THE DISPUTE OR CLAIM, THE MEDIATOR SHALL PROVIDE WRITTEN NOTICE TO BANK AND I REFLECTING THE SAME, AND EITHER BANK OR I MAY THEN PROCEED TO SEEK AN ALTERNATIVE FORM OF RESOLUTION OF THE DISPUTE INCLUDING BUT NOT LIMITED TO, JUDICIAL PROCEEDINGS. IN ANY JUDICIAL PROCEEDING, EACH PARTY SHALL BE RESPONSIBLE FOR ITS OWN LEGAL FEES AND OTHER COSTS, UNLESS OTHERWISE REQUIRED BY LAW. JUDGMENT MAY BE ENTERED UPON ANY AWARD IN ANY COURT HAVING JURISDICTION. IN ADDITION, BOTH BANK AND I HEREBY EXPRESSLY WAIVE THE RIGHT TO TRIAL BY JURY OF ALL DISPUTES, CONTROVERSIES AND CLAIMS BY AND BETWEEN OR AGAINST EITHER BANK OR I WHEN THE DISPUTE, CONTROVERSY OR CLAIM IS TO BE DECIDED BY A COURT.

  7. Electronic Records Disclosure (E-SIGN Disclosure); My Agreement to These Terms and Conditions.
    1. Electronic Records Disclosure (E-SIGN Disclosure)
      1. 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 fee 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 1-800-513-7678.
      2. 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 as set forth in Section III. A. above. 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 81/2 x 11 inch paper.
      3. 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.
    2. My Agreement to These Terms and Conditions

      I acknowledge that I am responsible for complying with all terms of this Agreement and the terms governing any Deposit Account(s), Loan Account(s) or any other account(s) which I access using My Frost Services.

BY CLICKING ON THE "ACCEPT" BUTTON BELOW, I AGREE THAT I HAVE READ AND UNDERSTAND THIS AGREEMENT, THAT I ACCEPT THIS AGREEMENT WITHOUT MODIFICATION, AND THAT I WILL BE BOUND BY ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT JUST AS IF I SIGNED THE AGREEMENT. FURTHERMORE, I UNDERSTAND THAT BY USING MY FROST SERVICES I AGREE TO THE TERMS AND CONDITIONS STATED IN THIS AGREEMENT AND TO SUCH TERMS AND CONDITIONS AS THEY MAY BE AMENDED IN THE FUTURE. IF I DO NOT AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT, I UNDERSTAND THAT I SHOULD NOT CLICK ON THE "ACCEPT" BUTTON AT THE BOTTOM OF THIS AGREEMENT AND THAT I SHOULD NOT USE MY FROST SERVICES.

(NOTE: The foregoing provisions of Section VII. are applicable only in the event that I am accepting this Agreement to activate and receive My Frost Services. If I am reviewing this Agreement for any other reason (for example, prior to signing up for My Frost Services or as the result of Bank updating the terms and conditions herein), I understand and acknowledge that there may be no "I Accept" button available on this web page.)