## The Board of Directors of Cullen/Frost Bankers, Inc. and The Frost National Bank 

R. Denny Alexander Owner, R. Denny Alexander & Company 

Carlos Alvarez Chairman, President and CEO, The Gambrinus Company 

Isaac Arnold, Jr. Oil, Real Estate, Investments 

Royce S. Caldwell Retired, SBC Communications Inc. 

Harry H. Cullen Oil, Real Estate, Investments 

Eugene H. Dawson, Sr. 3 Chairman of the Board, Pape-Dawson Consulting Engineers, Inc. 

Ruben M. Escobedo Certified Public Accountant 

Dave Beck President, Chief Business Banking Officer 

Bobby Berman Group Executive Vice President E-Commerce Operations, Data Warehouse, Research and Strategy 

Paul Bracher President, State Regions 

## Senior Officers 

Tom Frost Senior Chairman 

Dick Evans 4 Chairman and CEO, Cullen/Frost Bankers, Inc. 

Pat Frost President, Frost National Bank 

Tom Frost Senior Chairman, Cullen/Frost Bankers, Inc. 

Joe R. Fulton 2 Chairman, Fulton Construction Corporation 

Preston M. Geren III Special Assistant to the Secretary of Defense; Attorney and Businessman; Former U.S. Congressman, 12th District of Texas 

Mr. James L. Hayne 1 Chairman, Catto & Catto Insurance 

Pat Frost President, Frost National Bank 

Phillip D. Green Group Executive Vice President and Chief Financial Officer 

Richard Kardys Group Executive Vice President, Financial Management Group 

Stan McCormick Executive Vice President, Corporate Counsel and Corporate Secretary 

Dick Evans Chairman and Chief Executive Officer 

Karen E. Jennings Senior Executive Vice President, Human Resources and Communications, SBC Communications Inc. 

Richard M. Kleberg, III Investments 

Robert S. McClane President, McClane Partners, LLC 

Ida Clement Steen Investments 

Horace Wilkins, Jr. Retired, SBC Communications Inc. 

Mary Beth Williamson 5,6 Education (Consultant) 

Paul Olivier Group Executive Vice President and Chief Consumer Banking Officer 

Bill Perotti Group Executive Vice President and Chief Credit Officer 

Emily Skillman Group Executive Vice President, Human Resources 

1. Chair, Directors Loan/CRA Committee — 2. Chair, Trust Committee — 3. Chair, Audit Committee — 4. Chair, Strategic Planning Committee 

5. Chair, Compensation & Benefits Committee — 6. Chair, Corporate Governance & Nominating Committee 

