By certifying below, you agree to the following statements:

1. I acknowledge that I have received, read, and understand the Frost Personal Account(s) Truth in Savings Disclosure, Managing Your Finances Responsibly Disclosure, and Privacy Disclosure. I understand and acknowledge that each of these documents applies to any new and existing accounts of the same account type that I have with Frost.

2. I also acknowledge that I have read and agree to the Deposit Account Agreement and the Online Statement Delivery Agreement (if applicable).

3. I acknowledge that I have received, read and understand What You Need to Know about Overdrafts and Overdrafts Fees Disclosure regarding Frost’s overdraft services.

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.