MARKET LOGATIONS San Antonto Coxrus Curıstı DALLAS Fort Wort GALVESTON HARLINGEN Houston McALLEw New BRAUNFELS San Marcos GULLEN/FRoST BANKERS, ING. GERTIFICATIONS 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. 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. CORPORATE HEADQUARTERS roo Wrest Houstow Sreaeet SSM ee Dee ete eee. fie (210) 220-4011 FROSTBANK@FROSTBANK.COM WWW.FROSTBANK.COM ForRM I1O-K AND INVESTOR INQUIRIES Bank oF New Yorx TRANSFER AGENT AND REGISTRAR 101 Barctay Street / No. 12 East / New York, NY 10286 / 1-800-524-4458