0000039263-24-000039 Sample Contracts

CULLEN/FROST BANKERS, INC. RESTRICTED STOCK UNIT AGREEMENT
Restricted Stock Unit Agreement • April 25th, 2024 • Cullen/Frost Bankers, Inc. • National commercial banks • Texas

This Restricted Stock Unit Agreement (the “Agreement”) is made and entered into this [•] day of [•], [•] (the “Grant Date”) by and between Cullen/Frost Bankers, Inc. (the “Company”) and [•] (the “Participant”), pursuant to the Cullen/Frost Bankers, Inc. 2024 Equity Incentive Plan (the “Plan”). All terms and provisions of the Plan are hereby incorporated into and shall govern the Agreement except where general provisions of the Plan are superseded by particular provisions of the Agreement. All capitalized terms used in the Agreement shall have the same meaning given the terms in the Plan.

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DEFERRED STOCK UNIT AGREEMENT
Deferred Stock Unit Agreement • April 25th, 2024 • Cullen/Frost Bankers, Inc. • National commercial banks • Texas

This Deferred Stock Unit Agreement (the “Agreement”) is made and entered into this [•] day of [•], [•] (the “Grant Date”) by and between Cullen/Frost Bankers, Inc. (the “Company”) and [•] (the “Participant”), pursuant to the Cullen/Frost Bankers, Inc. 2024 Equity Incentive Plan (the “Plan”).

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