Jul 25, 2012
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Frost Bank Doubles ATM Footprint with Help from Cardtronics

ATMs at Texas Valero Corner Stores to be free of charge for Frost customers

SAN ANTONIO and HOUSTON, July 25, 2012 - Frost Bank and Cardtronics today announced a significant expansion of ATM locations available for Frost customers. Through this ATM branding relationship, Frost customers will have access free of charge to all 615 ATMs at Valero Corner Stores in Texas by August 15. Frost is a strong regional bank that has served Texans since 1868. Cardtronics, Inc. (Nasdaq: CATM) is the world's largest retail ATM owner and exclusive provider of ATM services for Valero Corner Stores.

With the addition of the 615 Cardtronics-owned ATMs at Valero Corner Stores, Frost will more than double the number of ATMs accessible to its customers free of charge. The 615 ATMs at Valero Corner Stores, added to 469 ATMs operated by Frost, will boost Frost's overall ATM network in Texas to 1,084.

"This partnership brings together three Texas-based companies-Frost, Cardtronics and Valero-in a move that significantly expands the number of ATMs our customers can use free of charge. We are making it easier for our customers to do business with us by giving them more access to their money," said Frost chairman and chief executive officer, Dick Evans. "It significantly broadens our network of ATMs across all of our regions, giving Frost the third-largest number of ATMs in Texas."

Valero owns and operates convenience stores under the Corner Store brand across Texas, including 32 in Austin, 23 in Corpus Christi, 65 in Dallas, 161 in Houston, 147 in San Antonio, 39 in Fort Worth/Tarrant County and 17 in the Rio Grande Valley. There are also 131 Valero Corner Stores in communities where Frost does not have financial centers, such as Bryan/College Station, Waco and Lubbock, which increases convenience for customers who are traveling or for college students attending schools in these cities.

"In a matter of months, Cardtronics has been named the exclusive provider of ATM services for Valero Corner Stores and successfully arranged for a premier bank branding partner for the entire state of Texas," said Rick Updyke, president, U.S. Business Group, Cardtronics. "By forming this ATM branding relationship with Cardtronics, Frost validates our belief that Cardtronics' ATMs can play an important role in connecting consumers with their financial institutions, creating convenient cash access in destination retail locations."

"We welcome Frost's customers to our Corner Store locations in Texas," said Gary Arthur, president, Valero Retail. "Frost customers can look forward to enjoying the same great fast, friendly service as other Corner Store customers do today."

About Frost Bank
Frost is the banking, investments and insurance subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), a financial holding company with $20.9 billion in assets at June 30, 2012. One of 24 U.S. banks included in the KBW Bank Index, Frost provides a full range of business and consumer banking products, investment and brokerage services, insurance products and investment banking services. Frost operates more than 115 financial centers across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Rio Grande Valley and San Antonio regions. Founded in 1868, Frost has helped Texans with their financial needs during three centuries. For more information, visit www.frostbank.com.

About Valero (NYSE:VLO) Valero Energy Corporation, through its subsidiaries, is an international manufacturer and marketer of transportation fuels, other petrochemical products and power. Valero subsidiaries employ approximately 22,000 people, and assets include 16 petroleum refineries with a combined throughput capacity of approximately 3 million barrels per day, 10 ethanol plants with a combined production capacity of 1.2 billion gallons per year, and a 50-megawatt wind farm. Approximately 6,800 retail and branded wholesale outlets carry the Valero, Diamond Shamrock, Shamrock and Beacon brands in the United States and the Caribbean; Ultramar in Canada; and Texaco in the United Kingdom and Ireland. Valero is a Fortune 500 company based in San Antonio. Please visit www.valero.com for more information.

About Cardtronics (NASDAQ: CATM)
Making ATM cash access convenient where people shop, work and live their lives, Cardtronics is at the convergence of retailers, financial institutions, prepaid card programs and the customers they share. Cardtronics owns/operates more than 54,900 retail ATMs in U.S. and international locales. Whether Cardtronics is driving foot traffic for America's most relevant retailers, enhancing ATM brand presence for card issuers or expanding card holders' surcharge-free cash access on the local, national or global scene, Cardtronics is convenient access to cash, when and where consumers need it. Cardtronics is where cash meets commerce.

Contact Information:

Cardtronics - Media Cardtronics - Investors
Nick Pappathopoulos Chris Brewster
Director - Public Relations Chief Financial Officer
832-308-4396 832-308-4128
npappathopoulos@cardtronics.com cbrewster@cardtronics.com
Frost Bank Valero
Renee Sabel Bill Day
210-220-5416 210-345-2928
rsabel@frostbank.com bill.day@valero.com

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