$50 $25 $0. Range of Balances $ $24, $25,000 - $49, $50,000 - $99, $100,000 - $249, $250,000 - $999,999.

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1 A GUIDE TO YOUR FROST BUSINESS HIGH YIELD MONEY MARKET OVERVIEW Frost Business High Yield Money Market Account An easy way to keep your cash readily accessible while earning a higher interest rate. Ability to use balances to waive monthly service charges for your checking account Unlimited lobby & Frost ATM withdrawals** Six free check withdrawals per statement cycle Free imaged checks Make free transfers in My Frost to and from your checking account** Use as optional overdraft protection for your checking account** OPENING AND MONTHLY SERVICE FEE Minimum Opening Deposit Monthly Service Charge How to Avoid the Monthly Service Charge $50 $25 Monthly Service Charge waived when you maintain a $25,000 minimum daily balance or $50,000 combined average daily balances* of business and personal deposit accounts. *The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Range of Balances Interest Rate APY.00 - $24, % 0.03% $25,000 - $49, $50,000 - $99, Interest Rate and APY $100,000 - $249, $250,000 - $999, INTEREST INFORMATION $1,000,000 - $2,499, $2,500,000 and Over The interest rate and annual percentage yield may change at any time at our discretion. (Fees could reduce earnings on account.) Rates effective as of 9/21/2016 How the Interest Rate is Calculated How Interst is Compounded When Interest Begins to Accrue We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. Interest will be compounded and credited to the account monthly. If you close your account before the interest is credited, you will receive the accrued interest. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 1

2 How Many Transfers and Withdrawals are Allowed per Statement Cycle **Transfers and withdrawals made in person or at an ATM are unlimited. However, federal regulations limit the number of transfers to another one of your accounts at Frost or to a third party by means of a pre-authorized or auomatic transfer, telephone transfer, computer transfer or by check, draft, debit card or similar order, to a combined total of six per statement cycle. This includes overdraft protection transfers and Frost online banking transfers andbill payments. LIMITATIONS Excess Check Fee Item Count Six free check withdrawals are allowed per statement cycle. There is a $10 excess check charge for each additional check over six paid during the statment cycle. If total item count exceeds 20 items for six consecutive months, the account will automatically convert to a Frost Business Checking account. Checking Account If your Frost Business Checking or Analyzed Checking account is closed, your Business High Yield Money Market account will automatically be converted to a Business Money Market acount. ATM FEES Frost ATMs Pulse Point-of-Sale Terminals Participating H-E-B Locations Particpating Valero Corner Store Locations Non-Frost ATMs Replacement ATM & Checkcard $1.50 for any inquries, Transfers or Withdrawals while using a non-frost ATM, plus any fees the ATM owner charges. Notice regarding ATM fee by others: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or an automated transfer network and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. PROTECTION PLANS Automatically transfer funds to your account from another linked account or a line of credit. There is no fee to transfer funds from your linked account or from your line of credit. However, interest will be charged on the outstanding balance of your line of credit. 2

3 Overdraſts created by: check, in-person withdrawal, ATM withdrawal or other electronic means $33 for each item we pay that overdraws your account more than 45, up to a maximum fee of $165 per day. FEES Non-sufficent Funds Fee Overdraſt Protection Transfer Feem each advance from: Another deposit account Line of credit (subject to credit approval) $33 per item that we do not pay. (interest will apply on the outstanding balance) Frost offers a courtesy overdraft program as a way to cover a transaction when you don t have enough money in your checking account. This is a discretionary service and the bank reserves the right not to pay items against insufficient funds, such as when your account is not in good standing or you are not making regular deposits or you have too many overdrafts. Customers are eligible for this service after 90 days provided certain criteria is met. The courtesy overdraft program is intended to help you avoid the inconvenience and embarrassment of having a transaction rejected or returned in the event of an emergency situation or inadvertent overdraft. You should avoid using this service as a standard practice. If an overdraft occurs, you are responsible to bring your account to a positive balance promptly. There is no fee to add the courtesy overdraft service to your account and no fee if you never use the service; however, overdraft coverage for everyday debit card purchases is optional and requires your consent. Make the choice that is right for you. OPTIONS FOR CUSTOMERS WITH DEBIT CARDS OPTION #1 Yes - pay everyday debit card transactions This means you want us to authorize and pay your everyday debit card transactions at our discretion when you don t have enough money available in your account. You will be charged $33 for each debit card purchase that overdraws your account more than $5, up to $165 per day. OPTION #2 No - do not pay everyday debit card transactions (if you don t choose an option when you open your account, this option is automatically selected for you). This means you do not want Frost to authorize and pay your everyday debit card transactions when you don t have enough money available. Since everyday debit card transactions will be declined when there is not enough money available, you won t be charged an Insufficient Funds Fee for everyday debit card transactions. We may still authorize and pay overdrafts for other transaction types, such as checks, automatic bill payments and other withdrawals unless you decline all coverage (option #3 below) OPTION #3 - Decline All Coverage This means you do not want us to authorize or pay any items that will overdraw your account, including checks, automatic bill payments and other withdrawals in addition to debit card transactions. You will pay a $33 NSF fee for each transaction that does not pay, except there is no fee for declined debit card transactions. You may also incur merchant fees on items that are returned due to non-sufficient funds. 3

4 HOW DEPOSITS AND WITHDRAWALS WORK How Deposits and Withdrawals are Processed Funds Availability Policy Deposits and credits are processed first. Withdrawals are processed next, in the following order: ATM and debit card transaction processed in the order they are received by us Wire transfers, cash withdrawals and other transactions for which authorization has already occurred, from lowest to highest Loans payable to us, from lowest to highest Checks and ACH transactions, from lowest to highest Bank service fees, from lowest to highest. For complete details, please refer to our Deposit Account Agreement and Other Disclosures available online or upon request. When funds deposited to your account are generally available: Cash and electronic deposits same business day Checks the business day following the date of deposit Longer delays may apply under certain circumstances. If a longer delay applies, we will notify you and funds will generally be available no later than the 7th business day. This represents our general policy for additional details, please refer to our Funds Availability Policy in our Deposit Account Agreement and Disclosure available online or upon request. MY FROST ONLINE BANKING SERVICES Online Statement Delivery Non-sufficient funds notification service Check printing Replacements ATM & Checkcard Statement/1099 copy Stop payment $20 per item SUBSCRIPTION SERVICES AVAILABLE View Deposited Checks Frost Digital Deposits $5 per month 4

5 MISCELLANEOUS FEES Account Research/ Statement Balancing Check certification Check copy Check printing Cashier s checks Money orders Return item Statement copy Wire transfers Incoming wire transfers Domestic collection item Foreign collection item Stop payment Hold mail at financial center for pick-up Signature verification $20 $10 per hour ($20 minimum) $2 per item (Frist five items free for imaged customers) $5 per item $3 per item $4 per item $2 per item $12 per item $20 per item $40 per item $30 per item $10 per item $3 per month plus.10 per item 5

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