If you are a Business Account Holder, then in the event of any security breach incident involving any potential or actual unauthorized access or acquisition of data owned by you (e.g. Box 1600, San Antonio, Texas, 78296 in time for us to receive your request three (3) Business Days before the transfer is scheduled to be made. We may deduct our fees from your Account(s) or from the amount of the Wire Transfer. Q. If you change any phone number you have provided to Frost or any Frost third-party service provider, for any reason, you agree to immediately notify Frost to ensure that the above communications are not interrupted or inadvertently delivered to another recipient who may be reassigned your prior phone number. FROST, ON BEHALF OF ITSELF AND FROSTS SUPPLIERS, ALSO DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY MOBILE CARD OR THE DIGITAL WALLET SERVICE, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE UNINTERRUPTED OR ERROR- FREE, OR THAT DEFECTS IN A MOBILE CARD OR THE DIGITAL WALLET SERVICE WILL BE CORRECTED.

Typically, deposits and credits are processed first, then withdrawals or other debits (such as charges) are processed next. Frost Online Banking Services for Personal and Business Accounts, As part of the Frost Online Banking Services as defined in the Frost Online Banking Agreement and Disclosure for Personal Accounts, and the Business Debit Card Agreement and Disclosure (or other similar agreement) for Business Accounts, you may use your computer or mobile device to obtain Account information, make certain funds transfers, and to arrange for payment of bills. We will determine whether to pay or return a withdrawal or debit each time it is presented to us for payment. Customer-initiated Items, such as checks and ACH transactions, are processed in order from the lowest dollar amount to the highest dollar amount. P. Your Responsibilities, (1) Payment Card Enrollment in Your Digital Wallet. If you do not opt-in to allow us to pay one-time debit card transactions that result in an Overdraft, we may still pay those transactions, in our sole discretion, and you are still required to promptly repay us the amount of the Overdraft, but we will not charge you a fee. Wire Transfer shall have the same meaning assigned to that term by Regulation CC. For this reason, by adopting a form of Mark, you agree you shall have the sole responsibility for maintaining security of the Mark and the device by which the Mark is affixed, and you are assuming all risk of loss resulting from the unauthorized use and or forgery of the Mark, and we will not be liable to you if use of the Mark was unauthorized. The owner of an Agency Account may revoke the agents authority over the Account at any time by notifying us in writing. You understand that we may receive compensation in connection with such conversion. The Wallet allows you to make purchases using an added Payment Card wherever the Wallet is accepted. All information made available to you about your checking Account will be at the master account level. Dollars, you must advise us at the time of the transaction.

The term Agreement includes this document, the Account signature card and all signature card addenda (Signature Card), Truth in Savings disclosures and other Schedules, and any other agreement, as amended from time to time, that is applicable to the specific type of Account you open that we provide to you, including, but not limited to: the Frost Online Banking Agreement and Disclosure (which includes optional Mobile Banking Services); the Treasury Management Services Agreement; the Personal and Health Savings Account Debit Card Agreement and Disclosure (or other similar agreement); the Business Debit Card Agreement and Disclosure (or other similar agreement); and the Electronic Funds Transfer Agreement and Disclosure. (2) Withdrawal Restrictions and Overdrafts We process Items received by us for settlement each Business Day to determine your Current Balance in the manner described in this section.

This Agreement contains the general terms and conditions governing your deposit Accounts with us. You may choose to get this notice only when the payment will differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. However, you agree that you will not use Digital Deposits to submit any of the following: Checks or items payable to any person or entity other than you/your company. BECAUSE FROST DOES NOT OPERATE OR CONTROL THESE CONNECTIONS, FROST CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. The amount of our loss which we may recover from you may be limited under the Check 21 Regulations. L. Our Liability (2) Multiple-Party Accounts Our rights and liabilities for payment of any sums on deposit in these types of Account shall be governed by the Texas Estates Code, as amended from time to time.

Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. Data Privacy Wire Transfers and Automated Clearing House (ACH) Transactions. C. Mobile Device and Wireless Internet Access, VI.DEPOSIT ACCOUNTS Frost may use this information, as long as it is in a form that does not personally identify you, to improve Frosts products or to provide services or technologies to you. Electronic funds transfers refers to the following activities with respect to a Personal Account: ATM and Debit Card transactions (including POS transactions), direct deposits of payroll checks or government checks, preauthorized withdrawals, other direct deposits, use of our 24-hour automated phone system or use of Frost Online Banking Services. All of our rules, regulations, and disclosures (including any provisions relating to interest) apply to your checking Account as a whole (i.e., at the master account level), without reference to the two subaccounts. (ii) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. We enter the information into our records. Except as otherwise indicated in this Agreement, the arbitrator(s) will have the power to award to a Party any damages or other relief provided for under applicable law. View cash deposit tutorial Deposit Cash and Checks Watch on Open transcript Get cash the way you want it. Once created, a Mobile Card may work even if you do not have wireless service. However, you should consult your own attorney if you have any questions regarding community property laws and the division of property at the death of either spouse. (3) If your Account is a Personal Account, then these electronic debit transfers are governed by the Electronic Funds Transfer Act and the Consumer Financial Protection Bureaus Regulation E (Regulation E), and all electronic checks (both debits and credits) are also governed by the Operating Rules and Operating Guidelines of the National Automated Clearing House Association (NACHA) and are also subject to the separate Frost Bank Electronic Funds Transfer Agreement and Disclosure as described in Section X.B. For example, if you deposit $9,500 of cash with a teller and deposit an additional $600 of cash at an ATM, those deposits result in a total that exceeds $10,000. BREA, CA, 92821. You further agree that we are not responsible for any loss to you in doing so. You represent that you are the legal owner of the Account(s) and other financial information which may be accessed via the Digital Wallet Service. If you have met, in our sole discretion, the conditions we have established for use of Digital Deposits to make deposits via Electronic Images, we will provide Internet access to our computer network and accept for deposit to your Account(s) the Electronic Images of Original Checks for collection as allowed under this Agreement and the Documentation. YOU UNDERSTAND AND AGREE THAT YOU WILL BE RESPONSIBLE FOR MAINTAINING SECURITY AND CONTROL OVER ALL USER IDS AND PASSWORDS PROVIDED BY BANK, AND SHALL USE SECURITY FOR SUCH ITEMS COMPARABLE TO THE SECURITY AND CONTROL YOU WOULD USE FOR CASH, BUT IN NO EVENT LESS THAN REASONABLE SECURITY AND CONTROL IN THE CIRCUMSTANCES. The arbitrator(s) shall in no event, have any power or authority to consolidate claims asserted by different claimants or counter-claimants, adjudicate any claims presented to them on a class wide basis, treat any claimant or counter-claimant as a representative of a class of claimants or counter-claimants, or award any relief on a class-wide basis. We will also provide you with an estimate of when the funds will be available. Checks or items that are Remotely Created Checks (as defined in Regulation CC). Judgment may be entered upon any award in any court having jurisdiction. Is there any way that I can avoid having this form completed and the transaction reported to the IRS? From time to time, we may offer or you may open various types of deposit Accounts.

(2) Minimum Balance Requirements You agree that your use of the Digital Deposits after the Bank provides notice of such changes constitutes your acceptance of the new Security Procedures. Except to the extent expressly provided for in the Check 21 Regulations, in no event will we be liable for special, incidental, exemplary, punitive or consequential losses or damages of any kind. If you have any questions or issues with a third-party product or service, including issues pertaining to the operation of your Supported Digital Wallet Device, please contact the appropriate third party in accordance with that third partys procedures for customer support and assistance.

In those cases, we will restrict your Account against all future withdrawals other than under Legal Process until pending transactions are paid or returned, the balance is no longer negative, and any legal restriction has been released.

Under the Check 21 Regulations, any check you write or deposit need no longer be returned for payment by the bank of the person to whom you wrote the check. beneficiaries. We are required by law to maintain a log of all sales of bank checks or drafts, cashiers checks, money orders, and certain other products purchased in cash. Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. The stop payment request will be effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity to act upon the stop payment order.

(90) calendar days to investigate your complaint or question. The Bank reserves the right to change any or all of the Security Procedures offered and/or used at any time by giving oral or written notice to you. WebATM WITHDRAWALS AND TRANSFERS You may access your account(s) by ATM using your ATM card or debit card and personal identification number to get cash withdrawals from checking accounts (you may withdraw no more than $600.00 per day or $100 for Teen Checking product), get cash withdrawals from savings accounts (you may withdraw no 9.37 and ANS X9.100-140 (or any amendment or substitute for such standards as may be promulgated from time to time), whether such standard pertains to the MICR Line, the image quality of the Original Check, the placement of an image of the Original Check on the Substitute Check, or the manual or electronic transfer of a Sufficient Image Copy or other electronic representation of an Original Check or a Substitute Check, unless the Federal Reserve Board, by rule or order determines that a different standard is to apply. E. Withdrawal Rules We act only as custodian of the trust funds and are not acting as a trustee, nor do we need to inquire as to the powers or duties of the attorney or law firm as trustee(s). We will not be liable for the lack of care of any bank we use to collect checks, or for checks lost while being shipped. If a foreign item is returned to us unpaid or there is some other problem with the foreign item, you are responsible for the item and you may incur a loss. J. (ii) Preauthorized Credits If you have arranged to have direct deposits made to your Account at least once every sixty (60) calendar days from the same person or company, you can call us at 1-800-513-7678 to find out whether or not the deposit has been made. You agree to pay us for fees and expenses (including administrative expenses) that we incur in responding to any Legal Process related to your Account, such as expenses for research and copying of documents. E. Assignability

You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of any Mobile Card or the Digital Wallet Service, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing the use of any open sourced components included with a Mobile Card or the Digital Wallet Service). Electronic Image means a digital or electronic representation of an Original Check that is a Sufficient Copy and meets all of the Standards and is submitted by you to Bank for processing and collection as a Substitute Check. You understand that all electronic funds transfers must originate from an Account on which you are an Account Holder. This allows us to contact you when we identify a potentially fraudulent Debit Card transaction. If you believe your Debit Card has been lost or stolen, call us at the telephone number listed above or report your Debit Card lost or stolen online at www.frostbank.com by clicking Account Services and then clicking Report a Lost or Stolen Card under Card Management in Frost Online Banking. (d) Community Property with Right of Survivorship Texas law allows persons who are married to each other to agree in writing that community property funds in an Account shall become the property of the surviving spouse on the death of either spouse. (1) Cash Vault Services Cash Vault Services allows a Business Account customer to have coin and/or currency deposits (Vault Deposits) delivered to a remote cash vault location for processing. When you select a Payment Card to use with the Digital Wallet Service, certain Account information for the Payment Card will be transmitted to and stored according to the Digital Wallet and Payment Card network procedures and systems for the Supported Digital Wallet Device to facilitate your participation in the Digital Wallet Service. Federal law requires all banks to obtain certain information on all cash sales of monetary instruments between $3,000 and $10,000. (8) Signatures You agree to indemnify us from all loss, expense and liability related to a claim that such draft or check was not authorized by the persons on whose account it was drawn. Your rights will terminate automatically without notice from Frost if you fail to comply with these terms or if Frost terminates the use of your Mobile Card or the Digital Wallet Service. Please note that you'll still be able to view the current page on frostbank.com. Furthermore, you understand and acknowledge that if you do not implement and follow your own commercially reasonable hardware, software, physical access and physical storage Security Procedures regarding any of the data owned by you, which includes such data containing the sensitive personally identifiable information (PII) of any individual, the security of your Digital Deposits and/or the data owned by you (including sensitive PII) may be compromised. Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained.

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