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## MARKET LOGATIONS 

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## GULLEN/FRoST BANKERS, ING. 

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CORPORATE HEADQUARTERS 

WWW.FROSTBANK.COM 

## GERTIFICATIONS 

(210) 220-4011 FROSTBANK@FROSTBANK.COM 

The certifications of the Chief Executive Officer and the Chief Financial Officer of Cullen/Frost Bankers, Inc., required under Section 302 of the Sarbanes-Oxley Act of 2002, have been filed as exhibits to Cullen/Frost's 2004 Annual Report on Form 10-K. In addition, the certification of the Chief Executive Officer of Cullen/Frost, required under the rules of the New York Stock Exchange, Inc., has been filed with the Exchange. 

## ForRM I1O-K AND INVESTOR INQUIRIES 

Analysıs, investors and others desiring additional financial dara about Cullen/Frost Bankers, Inc. may contact Greg Parker, Senior Vice President, Director of Investor Relations, ar (210) 220-5632. 

TRANSFER AGENT AND REGISTRAR 

Bank oF New Yorx 

101 Barctay Street / No. 12 East / New York, NY 10286 / 1-800-524-4458 

