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J.D. Power and Associates Ranks Frost Bank Highest in Texas in Retail Banking Customer Satisfaction



  J.D. Power and Associates Ranks Frost Bank Highest in Texas in Retail
  Banking Customer Satisfaction

            Fourth consecutive year Frost receives highest ranking

Business Wire

SAN ANTONIO -- April 19, 2013

For the fourth year in a row, Frost Bank has received the highest ranking in
customer satisfaction in Texas in the J.D. Power and Associates 2013 U.S.
Retail Banking Satisfaction Study^SM. Twelve other retail banks in Texas were
ranked, including regional and big national banks.

With an index score of 855, Frost ranked highest in customer satisfaction
among all retail banks in Texas. That is 77 index points above the Texas
region average of 778 and 92 points above the national average of 763.

Survey respondents gave Frost particularly high satisfaction marks for product
offerings, account activities, fees, account information, and facility
factors, according to the J.D. Power and Associates study. In all ranked
areas, Frost scored highest in Texas. Based on the Power Circle Ratings on
JDPower.com, Frost was the only Texas bank to receive “among the best” marks
in all factors.

“The J.D. Power ranking recognizes Frost’s legendary customer satisfaction so
deeply ingrained in our culture,” said Dick Evans, Frost chairman and CEO.
“Our customers understand and appreciate the Frost difference, for example
when they call on the phone, when a real person answers; or in a financial
center, where our bankers treat customers with courtesy and respect. We’re
also enhancing the way customers experience Frost on our website, where
customers can manage their finances, and on their smart phones, with our app
for iPhone that is noted for its ease of use, simplicity and convenience. None
of this would be possible without our great employees, who bring our culture
to life and take outstanding care of customers.”

This is the eighth year J.D. Power and Associates studied retail banking but
only the fourth year Frost was eligible for ranking. Frost was first included
in 2010, when J.D. Power and Associates first conducted a separate ranking for
banks in Texas, and the bank has maintained its highest ranking.

About Frost Bank

Frost is the banking, investments and insurance subsidiary of Cullen/Frost
Bankers, Inc. (NYSE: CFR), a financial holding company with $23.1 billion in
assets at December 31, 2012. One of 24 banks included in the KBW Bank Index
and a top-50 U.S. bank by asset size, Frost provides a full range of business
and consumer banking products, investment and brokerage services, insurance
products and investment banking services to businesses and individuals in the
Austin, Corpus Christi, Dallas, Fort Worth, Houston, Rio Grande Valley and San
Antonio regions. Founded in 1868, Frost has helped Texans with their financial
needs during three centuries. For more information, visit www.frostbank.com.

About J.D. Power and Associates

Headquartered in Westlake Village, Calif., J.D. Power and Associates is a
global marketing information services company providing forecasting,
performance improvement, social media and customer satisfaction insights and
solutions. The company’s quality and satisfaction measurements are based on
responses from millions of consumers annually. For more information on car
reviews and ratings, car insurance, health insurance, cell phone ratings, and
more, please visit JDPower.com. J.D. Power and Associates is a business unit
of The McGraw-Hill Companies.

Contact:

Frost Bank
Pam Thomas, 210-220-4205
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