Agreements and disclosures
By certifying below, you agree to the following statements:
3. I acknowledge that I have received, read, and understood Frost's Overdraft Services disclosure.
4. I acknowledge that I received the Disclosure of My Account Ownership Rights and affirm that I have selected Single-party account without P.O.D. (Payable on Death) Beneficiary Designation. The party to the account (you) owns the account. On your death, ownership of your acount passes as part of your estate under your will or by intestacy (in the event you do not have a will). Account selection may be changed after account opening by visiting a financial center or calling Frost at (800) 512-7678.