| http://www.w3.org/ns/prov#value | - These provisions generally apply to electronic funds transfers, deposits, cash withdrawals and purchases made with any Frost Bank ATM Card, Checkcard, Debit Card or similar card, PIN, Frost Bank User ID, or other device or code which accesses a consumer Account, and to direct deposits and some types of preauthorized and telephoneinitiated transfers involving consumer Accounts (including a transact
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