Secure, convenient Frost Mobile text messaging not only gives Frost consumer or business customers even more control of their finances than ever before; it also makes Frost the nation's first bank to enable customers to pay their bills by mobile text messaging (SMS).

From virtually anywhere and at any time, Frost Mobile users may now enjoy access via text to all of their Frost deposit and loan accounts — checking, savings, money market accounts, CDs, business and personal loans. Using any text-enabled mobile phone, Frost Mobile customers may now safely and securely check balances, view account activity, transfer funds within Frost accounts and even pay their bills.

"Our customers live highly mobile lifestyles, and Frost Mobile text messaging offers them versatility and freedom to manage their finances on their busy schedules," said Bobby Berman, Frost Executive Vice President of e-commerce. "Our customers' interest in mobile banking continues to grow. Since January, Frost Mobile usage is up 32 percent to more than 83,000 log-ins. Frost Mobile text messaging is yet another tool helping Frost and our customers stay ahead of the curve."

How The New Service Works

With the launch of text messaging, Frost now offers mobile banking via both the mobile web and text messaging. Customers enrolled in My Frost Online Banking may activate the text messaging feature free of charge* and begin managing their finances through text messaging on their mobile device. If they are not already My Frost Online Banking users, customers will first need to register online for My Frost.

Frost Mobile text messaging uses text commands sent to Frost from a mobile device. By texting 37678 ("FROST") on their mobile phone, customers will receive information about their accounts and be able to complete specific transactions.

With Frost Mobile text messaging, customers can:

* receive deposit and loan account balances
* receive account activity and transaction detail
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* transfer funds across Frost accounts
* pay bills


Frost Mobile Text Messaging is Safe

The new Frost Mobile text messaging service lives up to Frost's commitment and standard of online security. Frost Mobile text messaging does not send text messages containing any confidential information such as customer names or account numbers (the service uses account nicknames the customer creates during registration). To access accounts through Frost Mobile text messaging, customers will be required to activate the service through the secure My Frost Online Banking platform prior to use.

* Mobile carriers may charge for text messages sent and received, so customers should contact their mobile carrier for any applicable charges .