Cullen Frost Bankers Inc. Watch

from 10-K 7 pages Description of Registrant’s Securities

from 10-K 7 pages Description of Registrant’s Securities

from 8-A12B 35 pages Form of Deposit Agreement Deposit Agreement Among Cullen/Frost Bankers, Inc. and Computershare Inc., as Depositary, and the Holders From Time to Time of the Depositary Receipts Described Herein Dated as of November 19, 2020

from 8-K 35 pages Deposit Agreement Among Cullen/Frost Bankers, Inc. and Computershare Inc., as Depositary, and the Holders From Time to Time of the Depositary Receipts Described Herein Dated as of November 19, 2020

from S-3ASR 17 pages First Supplemental Indenture, Dated as of March 17, 2017, to Subordinated Debt Securities Indenture, Dated as of February 15, 2007, Between Cullen/Frost Bankers, Inc. and the Bank of New York Mellon, as Trustee Cullen/Frost Bankers, Inc. Company, and the Bank of New York Mellon, Trustee Dated as of March 17, 2017 to Subordinated Debt Securities Indenture Dated as of February 15, 2007 4.500% Subordinated Notes Due March 17, 2027

from S-3ASR 83 pages Subordinated Debt Securities Indenture, Dated as of February 17, 2017, Between Cullen/Frost Bankers, Inc. and the Bank of New York, as Trustee Cullen/Frost Bankers, Inc. to the Bank of New York, as Trustee Indenture Dated as of February 15, 2007 Subordinated Debt Securities

from S-3ASR 74 pages Form of Senior Debt Securities Indenture Between Cullen/Frost Bankers, Inc. and the Bank of New York Mellon, as Trustee Cullen/Frost Bankers, Inc. to the Bank of New York Mellon, as Trustee Indenture Dated as of [ ] Senior Debt Securities

from S-3ASR 2 pages Form of Certificate Representing Cullen/Frost Bankers, Inc. Common Stock

from 10-K 5 pages Description of Registrant’s Securities

from 8-K 17 pages Cullen/Frost Bankers, Inc. Company, and the Bank of New York Mellon, Trustee First Supplemental Indenture Dated as of March 17, 2017 to Subordinated Debt Securities Indenture Dated as of February 15, 2007 4.500% Subordinated Notes Due March 17, 2027

from S-3ASR 83 pages Cullen/Frost Bankers, Inc. to the Bank of New York, as Trustee Indenture Dated as of February 15, 2007 Subordinated Debt Securities

from S-3ASR 74 pages Cullen/Frost Bankers, Inc. to the Bank of New York Mellon, as Trustee Indenture Dated as of [ ] Senior Debt Securities

from S-3ASR 2 pages Cullen/Frost Bankers, Inc

from S-3ASR 83 pages Cullen/Frost Bankers, Inc. to the Bank of New York, as Trustee Indenture Dated as of February 15, 2007 Subordinated Debt Securities

from S-3ASR 74 pages Cullen/Frost Bankers, Inc. to the Bank of New York Mellon, as Trustee Indenture Dated as of [ ] Senior Debt Securities

from S-3ASR 2 pages 74 Organized Under the Laws of the State of Texas Common Stock See Legend Regarding Rights and Rights Agreement on the Back of This Certificate Par Value of $0.01 Per Share This Certificate Is Transferable in New York, New York or Houston, Texas Cusip 229898 10 9 See Reverse for Table of Abbrevations Colonel T. C. Frost 1833 1903 Cullen/Frost Bankers, Inc. a Family of Texas Banks This Certifies That Is the Owner of Fully-Paid and Non-Assessable Shares of the Common Stock of Cullen/Frost Bankers, Inc., Transferable on the Books of the Corporation by the Holder Hereof in Person, or by Duly Authorized Attorney, Upon the Surrender of This Certificate Properly Endorsed. This Certificate Is Not Valid Unless Countersigned by the Transfer Agent and Registered by the Registrar. Witness the Facsimile Seal of the Corporation and the Facsimile Signatures of Its Duly Authorized Officers. Dated Countersigned and Registered: The Bank of New York Transfer Agent and Registrar by Senior Chairman Chairman Secretary Authorized Signature

from S-8 21 pages Cullen/Frost Bankers, Inc. 2005 Omnibus Incentive Plan

from S-8 77 pages The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates Amended and Restated Effective as of January 1, 2008

from S-8 ~20 pages Cullen/Frost Bankers, Inc. 2007 Outside Directors Incentive Plan

from S-3 80 pages Cullen/Frost Bankers, Inc. to the Bank of New York, as Trustee Indenture Dated as of February , 2007 Subordinated Debt Securities