By certifying below, you agree to the following statements:
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 account 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) 513-7678.