Literally. A. (10) Facsimile Signatures The Bank is not agreeing to any Security Procedures or other procedure for the detection of errors. (7) Agents Once such data owned by you is delivered by Bank to you, retrieved by you from Bank, or otherwise created as a by-product of a transaction between you and Bank and retained by you, such data owned by you is solely within your possession and control. On your death, your ownership passes as a part of your estate under your will or by intestacy. If you hold an open account of any type with a bank, they will cash a valid check for you. (3) Notice Requirements YOU SHOULD CHECK WITH YOUR DIGITAL WALLET PROVIDER AND YOUR WIRELESS CARRIER FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES. (2) Notice of Receipt We will notify you of the receipt of payments in the periodic Account statements we provide to you. The first $225 of your Digital Deposits, however, will be available on the first Business Day after the day of your deposit. In addition to your ability to request that a Wire Transfer be sent in a currency other than U.S. dollars, Wire Transfers that are denominated in U.S. dollars but contain instructions from you for us to send to an account denominated in a foreign currency, may be converted by us or converted by an intermediary or correspondent bank or the receiving bank, in such entitys sole discretion, into the applicable currency of the country the Wire Transfer is being sent to. We may also block certain transactions that we suspect are illegal, including, but not limited to, transactions in violation of the Unlawful Internet Gambling Enforcement Act. In this Agreement, each and all of the depositors may be referred to as you, your, Account Holder or customer. Frost Bank may also be referred to as Frost, Bank, we, our, and us. Party refers to either you, your agent under any Power of Attorney, or Frost, as the case may be, and Parties refers collectively to both you, your agent(s) under any Power of Attorney, and Frost. Non-resident aliens without a Social Security Number are required to provide an official document issued in their country. Submit your check for review. You must tell us the exact amount and payee name of the payment you have stopped, as well as any other identifying information which we may request. If your spouse predeceases you, or if someone other than your spouse is named as your beneficiary, including your estate, then tax may be due on the balance remaining at your death. B. Cash the check at a check-cashing store. We will not be liable to you for refusing a deposit, even if it causes outstanding items to be returned. (9) Multiple Signatures We are not required to monitor or enforce any multiple- signature requirement, even if your Signature Card specifies that multiple signatures are required or you have otherwise instructed us to do so. By using Digital Deposits, you agree to provide information, including financial information, which we may, in our sole discretion, require from time to time regarding you or any Third Party which you hire, employ, or retain in any manner, to administer Digital Deposits or assume any of your duties under the Agreement. If you're in Texas, chances are there's a Frost nearby with folks you can trust to navigate you through any financial decision, no matter how simple or complicated. For example, we may ask the agent presenting the Power of Attorney to us to: (i) provide us a certification, under penalty of perjury, of any factual matter concerning the principal, agent, or Power of Attorney; (ii) provide us an opinion of counsel regarding any matter of law concerning the Power of Attorney that we specifically inquire about to the agent in writing; or (iii) provide us an English translation of the Power of Attorney if the original Power of Attorney is any language other than English. Disputes in excess of $100,000 are subject to this same limitation. You should review this provision carefully. You understand and agree that should you implement the Positive Pay services incorrectly or if you fail to follow the required procedures for the Positive Pay services, you will be precluded from asserting any claims against us for paying any unauthorized, altered, counterfeit or other fraudulent item that the Positive Pay Service is designed to detect or deter, and we will not be required to re-credit your account or otherwise have any liability for paying such items. (4) How to Notify Us The telephone number and relevant address for notification are as follows: The mediation shall occur in the county seat of the Texas county of your permanent residence, or if your permanent residence is outside of the state of Texas or the U.S., then in San Antonio, Texas. Depending on the type of check that you deposit via Digital Deposits, funds may not be available until the second (2nd) Business Day after the day of your deposit. If your Current Balance is less than the amount necessary to pay the withdrawal or debit when it is processed against your Account, we will determine, in our sole discretion, whether to pay the withdrawal or debit resulting in an Overdraft or dishonor the withdrawal or debit (return the withdrawal or debit unpaid). Log in to Frost Online Banking and select the "Account Services" tab. Frost will pay any costs that are required to be paid by Frost under the arbitration administrators rules of procedure. K. Funds Availability Hold means funds deposited into your Account that are not yet eligible for withdrawal under our funds availability rules set forth in this Agreement. Consequently, even if an Electronic Image captured via scanner or mobile device is initially accepted for image quality, the Frost internal verification process may ultimately reject an Electronic Image as not meeting all of our requirements for Digital Deposits. Frost Bank is located in San Antonio, Texas, and that is where your Account was opened and is maintained. If you do not want us to pay a stale-dated check, you must place a stop payment order on it (see Section VI.H. Contractual obligations, such as loans payable to us, are processed in order from the lowest dollar amount to the highest dollar amount. Withdrawal categories are generally processed in the following order: ATM and Debit Card transactions are processed in the order we received them, provided that such ATM or point-of-sale terminal or network is properly operating. 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. (5) Foreign Items Despite the name, these Accounts can be checking Accounts, and not just savings Accounts. Walmart will also cash a personal check of up to $200 . Upon our request, you will supply us a copy of any trust agreement covering the Account. The average face value of a check presented to a check-cashing outlet is $442.30, with the average fee to cash that check being $13.77, or about 3.1 percent, according to the FDIC. If the business uses POP to take a blank check to initiate an electronic debit at the POS, the business should give you notice of the POP conversion and return the voided check to you. For New Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. Relationship to Your Digital Wallet Provider As is referenced above, the AAA or like organization will be the arbitration administrator. You should send your written notice describing the specific inaccuracy(ies) to Frost Bank, P.O. A MOBILE CARD AND THE DIGITAL WALLET SERVICE ARE LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. Overdrafts will be handled in accordance with our Overdraft procedures or any other agreement you may have with us (such as an Overdraft Protection Agreement). You may purchase up to $4,500 per card per day at Visa merchants, POS terminals, and by cash advance. You understand and acknowledge that no court or other judicial body will have any authority to designate or appoint any arbitrator. If you have not made a withdrawal from, or a deposit to, your Account for an extended period of time and we have been unable to contact you, your Account may be classified by us as dormant Account. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY FROST, ANY OF ITS AUTHORIZED REPRESENTATIVES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY. If you have recently received a money order, read below to learn how to cash it quickly and safely. A business that receives your check by mail or otherwise, and converts it to an electronic debit via ARC, POP or BOC should give you notice of the conversion, and such business has the option to destroy the Original Check. When creating your Mobile Card, Frost collects certain information from your Digital Wallet provider to verify your identity, enable you to use a Mobile Card, and facilitate your participation in the Digital Wallet Service. Overdraft means any event that results in your Account having a negative Current Balance. Walmart is one of the most global and accessible check cashing places on this list. Once the funds are available, you can withdraw the funds in cash and we will use the funds to pay Items and transactions drawn on your Account. T. Unauthorized Transaction means a transaction that was not authorized by you, including, but not limited to, an erroneous or unauthorized debit. beneficiaries. Each Account you open is subject to these general terms and conditions and any specific terms and conditions relating to that type of Account that may be set forth in any applicable agreement or any Schedule. (90) calendar days to investigate your complaint or question. (60) calendar days after the statement showing the transaction has been mailed to you. If your Account has not matured, any withdrawal of all or part of the funds from your Account may result in an early withdrawal penalty. The Bank is required to examine and record at least one (1) form of identification. This can be convenient as you can cash your check when you're doing your regular shopping. You agree that if we pay the check, the check will be posted to your Account on the date we pay the check, even though the posting date is prior to the date shown on the check. However, there are online check cashing options availablelike PayPal, Venmo, and Ingo Money. N. Dormant Accounts Stop payment orders remain in effect for 12 months. If your beneficiary is your spouse who is still alive at the time of your death, then the Account will thereafter be treated as your spouses Health Savings Account, and no tax on the Account balance will be due at your death. You redeposit a check that has been returned unpaid. The attorney, law firm, or any authorized individual on the Account agrees to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or exposure, including reasonable attorneys fees, we may suffer or incur arising out of any action or claim by any beneficiary or third party with respect to the authority, actions, or inaction taken by the trustee(s) or authorized individuals in handling or dealing with the Account. (3) Initial Interest Rate If we do place a Hold on your Account, we may give notice as required by the laws governing your Account. 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. When you open an Account with us, you give us information about yourself, confirm that it is correct, and understand that you have an ongoing obligation to provide us with updated and correct information so long as you maintain your Account with us. Your Digital Wallet provider, in its sole discretion, determines which Mobile Devices are eligible to be used with the Digital Wallet. If any person notifies us of a dispute, we do not have to decide if the dispute has merit before we take further action. If Account statements are held by us in accordance with a Hold Request or because you fail to provide us with a current address, they will be deemed delivered to you when they are either prepared (if held by us) or delivered to the Statement Call division (if held pursuant to a Hold Request from you), mailed (for return mail), or otherwise made available to you. You agree that we may return a postdated check to the presenter. The arbitrator(s) will decide the dispute in accordance with applicable Texas law, including recognized principles of equity and statutes of limitations, statutes of repose and conditions precedent to suit, and will honor all claims of privilege recognized by law. J. We have no duty to visually inspect signatures or other information on a check presented for payment, and other than the signature of the drawer, the identification of the payor bank and payee, the amount (numeric over words if contradictory) and any MICR encoded information, we have no duty nor are we bound to look at any other information on the check and can disregard such information in our sole discretion. Cash it at the issuing bank (this is the bank name that is pre-printed on the check) Cash a check at a retailer that cashes checks (discount department store, grocery stores, etc.) (4) Funds Availability Holds on Other Funds (Other Accounts) If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another Account with us. M. License for Any Mobile Card For purposes of arbitration, you includes any person who is listed on your Account, and Bank includes Frost Bank, all its affiliates, and all third parties who are regarded as agents or representatives of ours. Documentation means the online help files or written instructions and materials made available or supplied by Bank that provide the description, methods of operation, and required procedures to engage in Digital Deposits activities. You have even more options for depositing checks, though. A. (15) Check Legends We may disregard information on any check or item other than the signature of the drawer, the identification of the drawee financial institution and payee, the amount, the endorsements, and any other information that appears on the MICR line. If your account has been compromised, should you decide against closing an Account as required by us, or if you decide not to implement products or services that are designed to deter fraudulent activity after we have required you to implement such products or services, you will be precluded from asserting any claims against us for any fraudulent activity. We may agree with other banks regarding times and methods for collecting or returning items. The typical Frost Bank Personal Banker salary is $19 per hour. Automated processing means that in almost all cases we will not visually inspect checks to verify signatures or other information. Find the nearest Frost Bank location near you | Branches, ATMs, Banking, and Financial Services in Texas Please note that you'll still be able to view the current page on frostbank.com. You acknowledge that the terms of the Texas Uniform Commercial Code Section 4.209 pertain to all encoded items. The terms of the license will govern any upgrades provided by Frost that replace or supplement any Mobile Card, unless such upgrade is accompanied by a separate agreement in which case the terms of that agreement will govern. For determining the availability of your deposits, every day is a Business Day, except Saturdays, Sundays, and federal holidays. If you do not tell us within sixty (60) calendar days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you had told us in time. You may ask for copies of the documents that we used in our investigation. All endorsements must appear on the back of the check or other item within the first 1-1/2 inches from the left side of the item when looking at it from the front, except that for Substitute Checks, endorsements that appeared on the back of the Original Check must also appear on the back of the Substitute Check. IMPORTANT INFORMATION ABOUT CASH REPORTING REQUIREMENTS FOR BANKS UNDER THE BANK SECRECY ACT, Frost Bank understands that most cash transactions are legitimate and that our customers are not involved in criminal activities. If your bank charges a fee, expect to pay between $5 and $15. You must provide us with the following information: (i) Tell us your name and Account number. Consider a prepaid card account. Any person appointed or selected by you and the Bank to serve as an arbitrator must: (i) have ten (10) years or more practical working experience in the banking industry, (ii) be an attorney licensed by the state of Texas, in good standing with the Texas State Bar, with substantial experience in the trial or resolution of business disputes, or be a member in good standing of the Texas Academy of Distinguished Neutrals, and (iii) for arbitration administered by the AAA, be listed by AAA on its national roster of arbitrators, or, if administered by a like organization, be listed or approved by such organization. We also reserve the right to require additional information, documentation or actions from you or the agent in accordance with our rights to do so under Texas Estates Code Section 751.201 and Sections 751.203 205 to satisfy any questions or concerns we may have regarding a Power of Attorney submitted to us. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to your Account in connection with such entry, and the party (the originator of the entry) making payment to you by such entry shall not be deemed to have paid you the amount of such entry. You understand and acknowledge that third parties, such as your Digital Wallet provider, or card network associations such as Visa, will have access to certain details regarding eligible Payment Card transactions made using 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. We urge you to carefully read the Agreement and keep it for future reference. This is due to a law known as the Bank Secrecy Act, which requires financial institutions to report transactions over a certain amount to the IRS. If Digital Deposits are terminated by us, we may accelerate all amounts due and to become due, and you agree to promptly make full payment to us of all amounts due and amounts incurred by you through your use of our Digital Deposits. KeyBank. If you and your spouse have this type of Account and desire the spouse to have right of survivorship in those funds upon the death of either spouse, you each will need to choose the Multiple-Party Account With Right of Survivorship designation on the Texas Uniform Single- or Multiple-Party Account Selection Form according to Section 113 of the Texas Estates Code. (2) Withdrawal Restrictions and Overdrafts In this Agreement, each and all of the depositors may be referred to as "you," "your," "Account Holder" or "customer.". The ownership of the community property Account during your lifetime and after your death is determined solely by state law and may be affected by a will. In order for Frost to authorize your use of your Payment Card within the Digital Wallet Service, your Payment Card must be an eligible Payment Card type, your Payment Card and the underlying Account must be in good standing, and you must not be restricted from using the Digital Wallet Service based upon any limitations imposed by your Digital Wallet provider, your wireless service provider, and/or any third party associated with your Digital Wallet. This Agreement will be binding on your personal representatives, authorized agents, executors, administrators, and successors, and on our successors and assigns. It might include a missing signature, an unauthorized signature, or an alteration, or be a transaction that was otherwise not authorized by you. (Stop Payment Orders for Checks) and X.B.10 (Stop Payments on ATM, POS or Debit Card Transactions) for more information regarding stop payment orders). Frost is not responsible for, and does not provide, any support or assistance for any third-party hardware, software, or other products or services (including any Digital Wallet or your Supported Digital Wallet Device, as defined in Subsection E below). DIGITAL DEPOSITS Notices from you will be effective when received by us at the telephone number or the address specified in this Agreement. Daily Balance means the application of a daily periodic rate to the full amount of principal in the Account each day. As part of the Security Procedures, Bank may employ various authentication technologies, including, but are not limited to, use of Online Banking Services user IDs, passwords and other AAI that Bank may require you to provide at Banks sole discretion. We may send checks to any bank or directly to any non-bank drawee in our customary manner. If you and Bank engage in negotiation but are unable to resolve the dispute through negotiation within the timeframes for negotiation set forth above, then you and Bank agree to submit the dispute to mediation. You'll have the most success with a government-issued or payroll check, but you may be able to cash small personal checks as well. The funds in the other Account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. The owner of an Agency Account may revoke the agents authority over the Account at any time by notifying us in writing.

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