<SEC-DOCUMENT>0000039263-20-000040.txt : 20200731
<SEC-HEADER>0000039263-20-000040.hdr.sgml : 20200731
<ACCEPTANCE-DATETIME>20200731163129
ACCESSION NUMBER:		0000039263-20-000040
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20200729
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200731
DATE AS OF CHANGE:		20200731

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CULLEN/FROST BANKERS, INC.
		CENTRAL INDEX KEY:			0000039263
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				741751768
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13221
		FILM NUMBER:		201066344

	BUSINESS ADDRESS:	
		STREET 1:		111 W HOUSTON ST
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
		BUSINESS PHONE:		210-220-4011

	MAIL ADDRESS:	
		STREET 1:		POST OFFICE BOX 1600
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78296-1600

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CULLEN FROST BANKERS INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FROST BANK CORP
		DATE OF NAME CHANGE:	19770823
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>cfr-20200729.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" ?><!--XBRL Document Created with Wdesk from Workiva--><!--Copyright 2020 Workiva--><!--r:0a7eecbc-f316-4914-be1f-75c41be662f6,g:d066afce-ab26-4c7f-abb8-74ef71cd11f6,d:c8f5e9029de9473198132bc7ed8ec8c2--><html xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns="http://www.w3.org/1999/xhtml" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xml:lang="en-US"><head><meta http-equiv="Content-Type" content="text/html"/>


<title>cfr-20200729</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:AmendmentFlag" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl80L2ZyYWc6ZDNmMTA0ZjRjYmI3NDJkMmE4Zjg0MzU1M2UzOWU1NjYvdGFibGU6MTc3ODA1YzBjYjRiNDA5M2E2N2VmNWM5NWY0ZjljNjQvdGFibGVyYW5nZToxNzc4MDVjMGNiNGI0MDkzYTY3ZWY1Yzk1ZjRmOWM2NF8wLTEtMS0xLTA_b3740bd3-35ef-492b-9b59-432f615dfca4">false</ix:nonNumeric><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:EntityCentralIndexKey" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl80L2ZyYWc6ZDNmMTA0ZjRjYmI3NDJkMmE4Zjg0MzU1M2UzOWU1NjYvdGFibGU6MTc3ODA1YzBjYjRiNDA5M2E2N2VmNWM5NWY0ZjljNjQvdGFibGVyYW5nZToxNzc4MDVjMGNiNGI0MDkzYTY3ZWY1Yzk1ZjRmOWM2NF8xLTEtMS0xLTA_ba2d05c6-9d19-4297-accc-82cdc53dfa5f">0000039263</ix:nonNumeric><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt:datemonthdayen" name="dei:CurrentFiscalYearEndDate" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl80L2ZyYWc6ZDNmMTA0ZjRjYmI3NDJkMmE4Zjg0MzU1M2UzOWU1NjYvdGFibGU6MTc3ODA1YzBjYjRiNDA5M2E2N2VmNWM5NWY0ZjljNjQvdGFibGVyYW5nZToxNzc4MDVjMGNiNGI0MDkzYTY3ZWY1Yzk1ZjRmOWM2NF8yLTEtMS0xLTE5Nw_b5d0e336-343e-45c4-80a1-35b87876213b">December 31</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="cfr-20200729.xsd"></link:schemaRef></ix:references><ix:resources><xbrli:context id="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000039263</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2020-07-29</xbrli:startDate><xbrli:endDate>2020-07-29</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="ic8f5e9029de9473198132bc7ed8ec8c2_1"></div><div style="min-height:42.75pt;width:100%;"><div><span><br/></span></div></div><div style="text-align:center;margin-top:3pt;-sec-extract:summary;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%;"> United States</span></div><div style="text-align:center;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%;">Securities and Exchange Commission</span></div><div style="text-align:center;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">Washington, D.C. 20549</span></div><div style="text-align:center;margin-top:9pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%;">Form <ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:DocumentType" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ2_85e63c35-3972-4bfc-9195-6e3b5a34f559">8-K</ix:nonNumeric> </span></div><div style="text-align:center;"><span><br/></span></div><div style="text-align:center;"><span><br/></span></div><div style="text-align:center;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;">CURRENT REPORT</span></div><div style="text-align:center;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;">Pursuant to Section&#160;13 or 15(d) of the Securities Exchange Act of 1934</span></div><div style="text-align:center;"><span><br/></span></div><div style="text-align:center;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">Date of Report</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;"> (Date of earliest event reported):  </span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;"> </span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18xMDk5NTExNjU5MTQ5_41d2db0e-2780-48ad-a817-0fcd77092405">July 29, 2020</ix:nonNumeric></span></div><div style="text-align:center;margin-top:9pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:24pt;font-weight:700;line-height:120%;"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:EntityRegistrantName" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ3_e2b77b67-a3b0-4d9a-a079-e54b24126db1">Cullen/Frost Bankers, Inc.</ix:nonNumeric> </span></div><div style="text-align:center;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;">(Exact name of registrant as specified in its charter)</span></div><div style="text-align:center;margin-top:5pt;margin-bottom:5pt;"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:86.257%;"><tr><td style="width:1.0%;"></td><td style="width:21.220%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:12.067%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:5.457%;"></td><td style="width:1.0%;"></td><td style="width:0.1%;"></td><td style="width:2.511%;"></td><td style="width:0.1%;"></td><td style="width:1.0%;"></td><td style="width:19.525%;"></td><td style="width:1.0%;"></td><td style="width:0.1%;"></td><td style="width:2.511%;"></td><td style="width:0.1%;"></td><td style="width:1.0%;"></td><td style="width:26.309%;"></td><td style="width:1.0%;"></td></tr><tr><td colspan="9" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;border-bottom:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt-sec:stateprovnameen" name="dei:EntityIncorporationStateCountryCode" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MWJkNWM5ODJiOWZhNGVlOGEwY2ZlNmQ3ODlmNDU2MmIvdGFibGVyYW5nZToxYmQ1Yzk4MmI5ZmE0ZWU4YTBjZmU2ZDc4OWY0NTYyYl8wLTAtMS0xLTA_e71b62bd-02fb-4d0a-a9cb-e4046bd14a7d">Texas</ix:nonNumeric></span></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:EntityFileNumber" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MWJkNWM5ODJiOWZhNGVlOGEwY2ZlNmQ3ODlmNDU2MmIvdGFibGVyYW5nZToxYmQ1Yzk4MmI5ZmE0ZWU4YTBjZmU2ZDc4OWY0NTYyYl8wLTQtMS0xLTA_168fa66b-9375-4e14-9ec9-2bdd0fdc3f9a">001-13221</ix:nonNumeric></span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:EntityTaxIdentificationNumber" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MWJkNWM5ODJiOWZhNGVlOGEwY2ZlNmQ3ODlmNDU2MmIvdGFibGVyYW5nZToxYmQ1Yzk4MmI5ZmE0ZWU4YTBjZmU2ZDc4OWY0NTYyYl8wLTYtMS0xLTA_3133fc67-d3bb-4c9b-8538-619725378e91">74-1751768</ix:nonNumeric></span></td></tr><tr><td colspan="9" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:bottom;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:8pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">(State or other jurisdiction of incorporation or organization)</span></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:bottom;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:8pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">(Commission File Number)</span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:bottom;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:8pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">(I.R.S. Employer Identification No.)</span></td></tr></table></div><div style="text-align:center;margin-top:5pt;margin-bottom:5pt;"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:48.684%;"><tr><td style="width:1.0%;"></td><td style="width:39.141%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:22.924%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:11.213%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:2.804%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:13.918%;"></td><td style="width:1.0%;"></td></tr><tr><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6NTEyMWUzNmRlM2Q5NDJjN2I1ODdiMmY4ZDBkNTBlMGQvdGFibGVyYW5nZTo1MTIxZTM2ZGUzZDk0MmM3YjU4N2IyZjhkMGQ1MGUwZF8wLTAtMS0xLTA_735ceb45-8688-448e-b9e5-f2d5dde74d76">111 W. Houston Street,</ix:nonNumeric></span></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:top;border-bottom:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6NTEyMWUzNmRlM2Q5NDJjN2I1ODdiMmY4ZDBkNTBlMGQvdGFibGVyYW5nZTo1MTIxZTM2ZGUzZDk0MmM3YjU4N2IyZjhkMGQ1MGUwZF8wLTEtMS0xLTA_607984ce-f28d-4931-96b6-7aeed00c1c64">San Antonio,</ix:nonNumeric></span></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:top;border-bottom:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt-sec:stateprovnameen" name="dei:EntityAddressStateOrProvince" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6NTEyMWUzNmRlM2Q5NDJjN2I1ODdiMmY4ZDBkNTBlMGQvdGFibGVyYW5nZTo1MTIxZTM2ZGUzZDk0MmM3YjU4N2IyZjhkMGQ1MGUwZF8wLTItMS0xLTA_2b289d99-34f0-404f-b301-e944d2edb130">Texas</ix:nonNumeric></span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6NTEyMWUzNmRlM2Q5NDJjN2I1ODdiMmY4ZDBkNTBlMGQvdGFibGVyYW5nZTo1MTIxZTM2ZGUzZDk0MmM3YjU4N2IyZjhkMGQ1MGUwZF8wLTQtMS0xLTA_f4572bdd-aa68-451e-845c-9bb66035d850">78205</ix:nonNumeric></span></td></tr><tr><td colspan="9" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:8pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">(Address of principal executive offices)</span></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:8pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">(Zip code)</span></td></tr></table></div><div style="text-align:center;margin-top:5pt;margin-bottom:5pt;"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:35.964%;"><tr><td style="width:1.0%;"></td><td style="width:28.487%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:13.040%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:21.983%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:28.490%;"></td><td style="width:1.0%;"></td></tr><tr><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;border-bottom:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6YWRiNjI3YzQ5OTQ5NDQ5MGE4MDA0NGFkMWFmNDhjNmQvdGFibGVyYW5nZTphZGI2MjdjNDk5NDk0NDkwYTgwMDQ0YWQxYWY0OGM2ZF8wLTEtMS0xLTA_acb24c16-0e9f-4d3d-bb17-3e598f1b8334">(210)</ix:nonNumeric></span></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:top;border-bottom:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6YWRiNjI3YzQ5OTQ5NDQ5MGE4MDA0NGFkMWFmNDhjNmQvdGFibGVyYW5nZTphZGI2MjdjNDk5NDk0NDkwYTgwMDQ0YWQxYWY0OGM2ZF8wLTItMS0xLTA_417803e8-5cc3-45be-be23-2daf5c46f05e">220-4011</ix:nonNumeric></span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;border-bottom:1pt solid #000000;padding-left:1pt;padding-right:1pt;"></td></tr><tr><td colspan="12" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:8pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">(Registrant's telephone number, including area code)</span></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td></tr></table></div><div style="text-align:center;margin-top:8pt;margin-bottom:5pt;"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:52.485%;"><tr><td style="width:1.0%;"></td><td style="width:4.963%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:38.111%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:21.119%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:9.420%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:9.420%;"></td><td style="width:1.0%;"></td><td style="width:1.0%;"></td><td style="width:4.967%;"></td><td style="width:1.0%;"></td></tr><tr><td colspan="18" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;border-bottom:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">N/A</span></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td></tr><tr><td colspan="18" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"><span style="font-size:8pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">(Former name, former address and former fiscal year, if changed since last report</span></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td><td colspan="3" style="display:none;"></td></tr></table></div><div style="text-align:justify;margin-top:12pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</span></div><div style="text-align:justify;margin-top:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%;"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt-sec:boolballotbox" name="dei:WrittenCommunications" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ4_a7a56e2e-6354-4898-a642-aa8f000615ab">&#9744;</ix:nonNumeric></span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></div><div style="text-align:justify;margin-top:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%;"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ5_732870a3-9c74-480d-9173-67b0f25e9254">&#9744;</ix:nonNumeric></span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></div><div style="text-align:justify;margin-top:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%;"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt-sec:boolballotbox" name="dei:PreCommencementTenderOffer" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzUw_202fe415-a012-4f0d-a88d-23f20a122d38">&#9744;</ix:nonNumeric></span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></div><div style="text-align:justify;margin-top:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%;"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt-sec:boolballotbox" name="dei:PreCommencementIssuerTenderOffer" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzUx_d5086a47-4381-4ef8-a611-4f10a6dc656d">&#9744;</ix:nonNumeric></span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></div><div style="text-align:justify;margin-top:6pt;"><span><br/></span></div><div style="margin-top:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">Securities registered pursuant to Section&#160;12(b) of the Act:</span></div><div style="margin-top:11pt;margin-bottom:5pt;"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.707%;"><tr><td style="width:1.0%;"></td><td style="width:51.519%;"></td><td style="width:1.0%;"></td><td style="width:0.1%;"></td><td style="width:0.533%;"></td><td style="width:0.1%;"></td><td style="width:1.0%;"></td><td style="width:11.343%;"></td><td style="width:1.0%;"></td><td style="width:0.1%;"></td><td style="width:0.533%;"></td><td style="width:0.1%;"></td><td style="width:1.0%;"></td><td style="width:29.672%;"></td><td style="width:1.0%;"></td></tr><tr><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"><span style="font-size:9pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">Title of each class</span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:9pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">Trading Symbol(s)</span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:9pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">Name of each exchange on <br/>which registered</span></td></tr><tr><td colspan="3" style="height:6pt;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="height:6pt;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="height:6pt;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="height:6pt;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="height:6pt;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"></td></tr><tr><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MTNiMmFhZTQwZTc4NGIyNmJmZDg1YzIyZTA5MWJhNmQvdGFibGVyYW5nZToxM2IyYWFlNDBlNzg0YjI2YmZkODVjMjJlMDkxYmE2ZF8yLTAtMS0xLTA_e09d956a-66c1-42f3-881d-ebbcc9f3bcc3">Common Stock, $.01 Par Value</ix:nonNumeric></span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MTNiMmFhZTQwZTc4NGIyNmJmZDg1YzIyZTA5MWJhNmQvdGFibGVyYW5nZToxM2IyYWFlNDBlNzg0YjI2YmZkODVjMjJlMDkxYmE2ZF8yLTItMS0xLTA_4226cd31-a8a6-4037-a721-1872be3539d3">CFR</ix:nonNumeric></span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MTNiMmFhZTQwZTc4NGIyNmJmZDg1YzIyZTA5MWJhNmQvdGFibGVyYW5nZToxM2IyYWFlNDBlNzg0YjI2YmZkODVjMjJlMDkxYmE2ZF8yLTQtMS0xLTA_74ce84ed-6e7a-46b1-93fc-86052ddb6507">New York Stock Exchange</ix:nonNumeric></span></td></tr></table></div><div style="text-align:justify;margin-top:6pt;"><span><br/></span></div><div style="text-align:justify;margin-top:12pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter). </span></div><div style="padding-left:13.5pt;text-align:right;margin-top:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">Emerging growth company&#160;&#160;&#160;&#160;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%;"><ix:nonNumeric contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany" id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ1_4071d194-23a7-41ef-bdd1-aa007f3f7c19">&#9744;</ix:nonNumeric></span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;"> </span></div><div style="text-align:justify;margin-top:10pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160;&#160;&#160;&#160;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:12pt;font-weight:400;line-height:120%;">&#9744;</span></div><div><span><br/></span></div><div style="position:relative;width:100%;height:42.75pt;"><div style="position:absolute;bottom:0;width:100%;"><div><span><br/></span></div></div></div><div id="ic8f5e9029de9473198132bc7ed8ec8c2_73"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%;"><div><span><br/></span></div></div><div><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:115%;">Item 5.03    Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year</span></div><div><span><br/></span></div><div style="text-indent:18pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">On July&#160;29, 2020 and effective as of such date, the Board of Directors (the &#8220;Board&#8221;) of Cullen/Frost Bankers, Inc. (&#8220;Cullen/Frost&#8221;), upon the recommendation of the Corporate Governance &amp; Nominating Committee of the Board, adopted amended and restated Bylaws (the &#8220;Amended Bylaws&#8221;) of Cullen/Frost. The changes from Cullen/Frost&#8217;s previous Bylaws (the &#8220;Previous Bylaws&#8221;) are described below.</span></div><div style="text-indent:18pt;text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;">Technological Modernization</span></div><div style="text-indent:18pt;text-align:justify;"><span><br/></span></div><div style="text-indent:18pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">Various provisions of the Previous Bylaws were updated in the Amended Bylaws to incorporate the use of modern technologies, including the following:</span></div><div style="text-indent:18pt;text-align:justify;"><span><br/></span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;margin-bottom:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">Section 2.4 was updated to add &#8220;electronic transmission&#8221; as one of the permissible methods of providing notice to shareholders.</span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;margin-bottom:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">Section 3.9 was updated to eliminate &#8220;telegraph&#8221; and add &#8220;electronic transmission&#8221; as one of the permissible methods of providing notice to directors. Section 3.9 was also updated to expressly provide that directors may waive notice, including by &#8220;a written waiver signed by the director&#8221; or a &#8220;waiver by electronic transmission.&#8221;</span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;margin-bottom:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">A new Section 3.17 was added to expressly provide that the members of the Board or any committee may participate in meetings by means of &#8220;similar communications equipment, or other electronic communications system (e.g., videoconference), or any combination&#8221; in addition to &#8220;conference telephone&#8221; so long as all persons participating can hear one another and that such participation shall constitute presence in person at such meetings.</span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">Section 7.3 was updated to amend the shareholder notice procedures to add procedures involving &#8220;a form of electronic transmission consented to by the shareholder&#8221; (which consent is revocable by the shareholder and may, in certain cases, be deemed revoked). In connection with the foregoing, Section 7.3 also provides for deemed times of delivery of notice depending on the method of notice used and for &#8220;waiver by electronic transmission&#8221;.</span></div><div style="text-indent:18pt;text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;">Clarifying and Other Changes</span></div><div style="text-indent:18pt;text-align:justify;"><span><br/></span></div><div style="text-indent:18pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">The Amended Bylaws also make certain clarifying or other changes in the following provisions:</span></div><div style="text-indent:18pt;text-align:justify;"><span><br/></span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;margin-bottom:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">Sections 1.1 and 1.2 were updated to reflect the new address of Cullen/Frost&#8217;s registered office and executive offices.</span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;margin-bottom:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">Section 2.5 was updated to expressly provide the standard that the holders of a &#8220;majority&#8221; of the votes entitled to be cast that are present in person or by proxy at a meeting shall have the power to adjourn such meeting. Section 2.5 was also updated to clarify that the applicable stock exchange rules are limited to those exchanges on which Cullen/Frost&#8217;s securities are listed.</span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;margin-bottom:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">A new Section 3.15 was added to expressly provide that each committee of the Board may fix its own rules of procedure and provide for certain standard committee rules of procedure.</span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;margin-bottom:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">A new Section 3.16 was added to expressly provide that the Board or any committee may act without a meeting if all members of the Board or committee, as applicable, consent &#8220;in writing&#8221; to such action or, consistent with the technological modernization changes discussed above, consent &#8220;by electronic transmission&#8221; to such action.</span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;margin-bottom:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">Article V was updated to consistently and uniformly reference the same defined set of &#8220;Actions&#8221; that qualify for both indemnification and advance payment of reasonable expenses.</span></div><div style="text-indent:-18pt;padding-left:36pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#8226;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt;">Section 7.3 was updated to expressly provide that attendance of a person at a meeting shall constitute a waiver of notice of such meeting &#8220;except when the person attends for the express purpose of objecting.&#8221;</span></div><div style="text-indent:18pt;text-align:justify;"><span><br/></span></div><div style="text-indent:18pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">The foregoing description of the new bylaw provisions does not purport to be complete and is qualified in its entirety by reference to the Amended Bylaws filed as Exhibit 3.1 to this Current Report on Form 8-K, which Exhibit is incorporated herein by reference. A copy of the Previous Bylaws is included as Exhibit 3.2 to the Annual Report on Form 10-K filed by Cullen/Frost on February 4, 2020 and is also incorporated herein by reference.</span></div><div style="text-indent:18pt;text-align:justify;"><span><br/></span></div><div style="position:relative;width:100%;height:42.75pt;"><div style="position:absolute;bottom:0;width:100%;"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%;"><div><span><br/></span></div></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">Item 9.01&#160;Financial Statements and Exhibits</span></div><div style="text-align:justify;"><span><br/></span></div><div style="text-indent:18pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">(d)&#160;&#160;&#160;Exhibits:</span></div><div style="text-align:justify;"><span><br/></span></div><div style="text-indent:-31.5pt;padding-left:49.5pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">3.1&#160;Amended and Restated Bylaws of Cullen/Frost Bankers, Inc.</span></div><div style="text-indent:-31.5pt;padding-left:49.5pt;text-align:justify;margin-top:6pt;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">104&#160;Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.</span></div><div style="text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span><br/></span></div><div style="position:relative;width:100%;height:42.75pt;"><div style="position:absolute;bottom:0;width:100%;"><div><span><br/></span></div></div></div><div id="ic8f5e9029de9473198132bc7ed8ec8c2_80"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%;"><div><span><br/></span></div></div><div style="text-indent:-81pt;padding-left:83.25pt;text-align:center;"><span><br/></span></div><div style="text-indent:-81pt;padding-left:83.25pt;text-align:center;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">SIGNATURES</span></div><div style="text-indent:-81pt;padding-left:83.25pt;text-align:justify;"><span><br/></span></div><div style="text-indent:-81pt;padding-left:83.25pt;text-align:justify;"><span><br/></span></div><div style="text-indent:18pt;text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></div><div style="text-indent:-81pt;padding-left:83.25pt;text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;CULLEN/FROST BANKERS, INC.</span></div><div style="text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">By:&#160;</span><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration: underline;">/s/ Jerry Salinas&#160;</span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Jerry Salinas</span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Group Executive Vice President</span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;and Chief Financial Officer</span></div><div style="text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span><br/></span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Dated:&#160;July&#160;31, 2020</span></div><div style="text-align:justify;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;"> </span></div><div style="position:relative;width:100%;height:42.75pt;"><div style="position:absolute;bottom:0;width:100%;"><div><span><br/></span></div></div></div><div id="ic8f5e9029de9473198132bc7ed8ec8c2_86"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%;"><div><span><br/></span></div></div><div style="text-indent:-81pt;padding-left:83.25pt;text-align:center;"><span><br/></span></div><div style="text-indent:-81pt;padding-left:83.25pt;text-align:center;-sec-extract:summary;"><span style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">EXHIBIT INDEX</span></div><div style="text-align:center;"><span><br/></span></div><div style="text-align:center;"><span><br/></span></div><div style="margin-top:5pt;margin-bottom:5pt;"><table style="border-collapse:collapse;display:inline-table;vertical-align:top;width:100.000%;"><tr><td style="width:1.0%;"></td><td style="width:7.275%;"></td><td style="width:1.0%;"></td><td style="width:0.1%;"></td><td style="width:0.814%;"></td><td style="width:0.1%;"></td><td style="width:1.0%;"></td><td style="width:87.711%;"></td><td style="width:1.0%;"></td></tr><tr><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">Exhibit Number</span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:700;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">Description</span></td></tr><tr><td colspan="3" style="height:14pt;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="height:14pt;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="height:14pt;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;border-top:1pt solid #000000;padding-left:1pt;padding-right:1pt;"></td></tr><tr><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">&#160;&#160;&#160;3.1</span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:top;padding-left:1pt;padding-right:1pt;"><div><span style="background-color:rgb(255,255,255, 0.0);color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration: underline;"><a style="background-color:rgb(255,255,255, 0.0);color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration: underline;-sec-extract:exhibit;" href="exhibit31amendedandres.htm">Amended and Restated Bylaws of Cullen/Frost Bankers, Inc.</a></span></div></td></tr><tr><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:center;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">104</span></td><td colspan="3" style="background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:bottom;padding-left:1pt;padding-right:1pt;"></td><td colspan="3" style="padding-top:2px;padding-bottom:2px;background-color:rgb(255,255,255, 0.0);text-align:left;vertical-align:top;padding-left:1pt;padding-right:1pt;"><span style="font-size:10pt;font-weight:400;font-family:'Times New Roman',sans-serif;color:#000000;background-color:rgb(255,255,255, 0.0);">Cover Page Interactive Data File - The cover page XBRL tags are embedded within the inline XBRL document.</span></td></tr></table></div><div style="text-align:center;"><span><br/></span></div><div style="position:relative;width:100%;height:42.75pt;"><div style="position:absolute;bottom:0;width:100%;"><div><span><br/></span></div></div></div></body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>2
<FILENAME>exhibit31amendedandres.htm
<DESCRIPTION>EX-3.1 AMENDED AND RESTATED BYLAWS
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2020 Workiva -->
<title>Document</title></head><body><div id="i5a88bd7500c14726b695755afcc36435_31"></div><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">Exhibit 3.1</font></div><div style="text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;">Amended and Restated Bylaws of Cullen&#47;Frost Bankers, Inc.</font></div><div style="text-align:center;"><font><br></font></div><div style="text-align:center;"><font><br></font></div><div id="i5a88bd7500c14726b695755afcc36435_37"></div><div style="text-align:center;margin-bottom:36pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%;">AMENDED AND RESTATED</font></div><div style="text-align:center;margin-bottom:36pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:22pt;font-weight:700;line-height:120%;">BYLAWS</font></div><div style="text-align:center;margin-bottom:36pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%;">OF</font></div><div style="text-align:center;margin-bottom:36pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:22pt;font-weight:700;line-height:120%;">CULLEN&#47;FROST BANKERS, INC.</font></div><div style="text-align:center;margin-bottom:58pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%;">EFFECTIVE JULY 29, 2020</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:24pt;font-weight:700;line-height:120%;">* * * * * * * * * * *</font></div><div style="margin-bottom:12pt;"><font><br></font></div><div style="text-align:center;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div><font><br></font></div></div></div><div id="i5a88bd7500c14726b695755afcc36435_40"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%;">ARTICLE I</font></div><div style="text-indent:18pt;text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">OFFICES</font></div><div style="text-align:center;"><font><br></font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">* * * * * *</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Registered Office</font></div><div style="text-indent:18pt;padding-right:3.6pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 1.1</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The registered office of Cullen&#47;Frost Bankers, Inc., a Texas corporation (the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Corporation</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;), shall be at 111 West Houston Street, Suite 100, San Antonio, Texas.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Executive Offices</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 1.2</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The executive offices of the Corporation shall be at 111 West Houston Street, Suite 100, San Antonio, Texas.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Other Offices</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 1.3</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The Corporation may also have offices at such other places as the board of directors of the Corporation (the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Board</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;) may from time to time determine or the business of the Corporation may require.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">1</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%;">ARTICLE II</font></div><div style="text-indent:18pt;text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">SHAREHOLDERS</font></div><div style="padding-left:36pt;text-align:center;"><font><br></font></div><div style="padding-left:36pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">* * * * * *</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Annual Meeting</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.1</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The annual meeting of the shareholders for the purpose of electing directors shall be on such date as shall be fixed by the Board.  Any business may be transacted at an annual meeting to the extent permitted by law and these Bylaws.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Special Meeting</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.2</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">A special meeting of the shareholders may be called at any time by the holders of at least ten percent</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;"> (</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">10</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">%)</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> of the outstanding shares of capital stock entitled to be voted at such meeting, by the Board, by the chairman of the Board (the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Chairman</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;) or by the president of the Corporation (the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">President</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;).  Upon receipt at the Corporation&#8217;s executive offices of a request to call a special meeting (and a notice calling a meeting shall be deemed to constitute a request), the Board shall, within fifteen (15</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">)</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> days, set a record date, not later than </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">ten (</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">10</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">)</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> days from the date of such Board action, to determine shareholders entitled to call a special meeting.  If the Board fails to set such record date, the record date shall be the date the first shareholder signs the notice of such meeting.  Only such business shall be transacted at a special meeting as may be stated in the notice of such meeting.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Place</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.3</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The annual meeting and any special meeting of the shareholders shall be held at such place as is designated by the Board of Directors.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Notice</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.4</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Written or printed notice stating the place, day and hour of each meeting of shareholders and, in case of a special meeting, the purpose or purposes for which the meeting is called, shall be delivered, in the case of an annual meeting or a special meeting not called by shareholders, not less than ten (10) nor more than </font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">2</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">sixty (60) days before the date of the meeting, and, in the case of a special meeting called by shareholders, not less than fifty (50) nor more than sixty (60) days before the date of the meeting, in each case, either personally, by mail or by electronic transmission, to each shareholder of record entitled to vote at such meeting.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Quorum</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.5</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The holders of a majority of the shares issued and outstanding and entitled to vote thereat, present in person or represented by proxy, shall be requisite and shall constitute a quorum at all meetings of the shareholders for the transaction of business except as otherwise provided by applicable laws, by the articles of incorporation of the Corporation as then in effect (as the same may be amended and&#47;or restated from time to time, the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Articles of Incorporation</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;) or by these Bylaws.  If, however, such quorum shall not be present or represented at any meeting of the shareholders, the holders of a majority of the votes entitled to be cast thereat so present in person or by proxy shall have power to adjourn the meeting from time to time, without notice other than announcement at the meeting</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">,</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> until a quorum shall be present or represented</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">.</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">  At such adjourned meeting at which a quorum shall be present or represented, any business may be transacted which might have been transacted at the meeting as originally notified.  When a quorum is present at any meeting, the vote of the holders of a majority of the shares having voting power present in person or represented by proxy shall decide any question brought before such meeting, unless the question is one upon which by express provision or rule of the applicable laws, of any stock exchange on which the Corporation&#8217;s securities are listed, of the Financial Industry Regulatory Authority, Inc., of the Articles of Incorporation or of these Bylaws a different vote is required, in which case such express provision shall govern and control the decision of such question.  The shareholders present at a duly organized meeting may not continue to transact business following the withdrawal of enough shareholders to leave less than a quorum.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Proxies</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.6</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">At all meetings of shareholders, a shareholder may vote either in person or by proxy executed in writing by the shareholder or by his or her duly authorized attorney-in-fact.  Such proxies shall be filed with the secretary of the Corporation (the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Secretary</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;) before or at the time of the meeting.  No proxy shall be valid after eleven</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;"> (</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">11</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">)</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> months from the date of its execution unless otherwise provided in the proxy.  </font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">3</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Each proxy shall be revocable unless expressly provided therein to be irrevocable, or unless otherwise made irrevocable by law.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Votes per Share and Cumulative Voting</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.7</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Each outstanding share of capital stock, regardless of class, shall be entitled to one vote on each matter submitted to a vote at a meeting of shareholders, except to the extent that the voting rights of the shares of any class or classes are limited or denied by the Articles of Incorporation, or as otherwise provided by the Texas Business Organizations Code (the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">TBOC</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;).  At each election of directors, every shareholder entitled to vote at such election shall have the right to vote, in person or by proxy, the number of shares owned by such shareholder for as many persons as there are directors to be elected and for whose election he or she has a right to vote.  Each director shall be elected by a majority of the votes cast by the holders of shares entitled to vote at any meeting for the election of directors at which a quorum is present, provided that if the number of director nominees exceeds the number of directors to be elected at such a meeting, the directors shall be elected by a plurality of the votes cast by the holders of shares entitled to vote at such meeting at which a quorum is present.  For purposes of this section, a majority of the votes cast means that the number of votes cast &#8220;for&#8221; the election of a director must exceed the number of votes cast &#8220;against&#8221; that director, and abstentions and broker non-votes shall not be counted as votes cast either &#8220;for&#8221; or &#8220;against&#8221; any nominee for director.  It is expressly prohibited for any shareholder to cumulate such shareholder&#8217;s votes in any election of directors or for any other purpose.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Presiding Officers</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.8</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The Chairman shall preside at and the Secretary shall keep the records of each meeting of shareholders.  In the absence of the Chairman, his or her duties shall be performed by the President.  In the absence of the Secretary, his or her duties shall be performed by an assistant secretary.  The order of business at each such meeting shall be as determined by the presiding officer of the meeting.  The presiding officer of the meeting shall have the right and authority to prescribe such rules, regulations and procedures and to do all such acts and things as are necessary or desirable for the proper conduct of the meeting, including, without limitation, the establishment of procedures for the maintenance of order and safety, limitations on the time allotted to questions or comments on the affairs of the Corporation, restrictions on entry to such meeting after the time prescribed for the commencement thereof and the opening and closing of the voting polls.</font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">4</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">List of Shareholders</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.9</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">A complete list of shareholders entitled to vote at each shareholder meeting, arranged in alphabetical order, with the address of and number of shares held by each, shall be prepared by the Secretary and filed at the registered office and the executive offices of the Corporation and subject to inspection by any shareholder during usual business hours for a period of ten (10) days prior to such meeting.  Such list shall be produced and subject to inspection by any shareholder during such meeting.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Advance Notice of Shareholder Proposals</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 2.10</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">At any annual or special meeting of shareholders, proposals by shareholders and nominations for directors made by shareholders shall be considered only if advance notice thereof has been timely given as provided herein and such proposals or nominations are otherwise proper for consideration under applicable law, the Articles of Incorporation and these Bylaws.  Notice of any proposal to be presented by any shareholder or of the name of any person to be nominated by any shareholder for election as a director of the Corporation at any meeting of shareholders shall be delivered to the Secretary at the executive offices of the Corporation not less than sixty (60) nor more than ninety (90) days prior to the date of the meeting&#59; </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">provided</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">, </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">however</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">, that if the date of the meeting is first publicly announced or disclosed (in a public filing or otherwise) less than seventy (70) days prior to the date of the meeting, such advance notice shall be given not more than ten (10) days after such date is first so announced or disclosed.  Public notice shall be deemed to have been given seventy (70) days or more in advance of the annual meeting if the Corporation shall have previously disclosed, in these Bylaws or otherwise, that the annual meeting in each year is to be held on a determinable date, unless and until the Board determines to hold the meeting on a different date.  Any shareholder who gives notice of any such proposal shall deliver therewith the text of the proposal to be presented and a brief written statement of the reasons why such shareholder favors the proposal and setting forth such shareholder&#8217;s name and address, the number and class of all shares of each class of stock of the Corporation beneficially owned by such shareholder and any material interest of such shareholder in the proposal (other than as a shareholder).  Any shareholder desiring to nominate any person for election as a director of the Corporation shall deliver with such notice a statement in writing setting forth the name of the person to be nominated, the number and class of all shares of each class of stock of the Corporation beneficially owned by such person, the information regarding such person required by paragraphs (a), (e) and (f) of Item 401 of Regulation S-K adopted by the Securities and Exchange Commission (the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">SEC</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;) (or the corresponding provisions of any regulation </font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">5</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">subsequently adopted by the SEC applicable to the Corporation), such person&#8217;s signed consent to serve as a director of the Corporation if elected, such shareholder&#8217;s name and address and the number and class of all shares of each class of stock of the Corporation beneficially owned by such shareholder.  As used herein, shares &#8220;beneficially owned&#8221; shall mean all shares as to which such person, together with such person&#8217;s affiliates and associates (as defined in Rule 12b-2 under the Securities Exchange Act of 1934 (as the same may be amended and&#47;or restated from time to time, the &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Exchange Act</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;)), may be deemed to beneficially own pursuant to Rules 13d-3 and 13d-5 under the Exchange Act, as well as all shares as to which such person, together with such person&#8217;s affiliates and associates, has the right to become the beneficial owner pursuant to any agreement or understanding, or upon the exercise of warrants, options or rights to convert or exchange (whether such rights are exercisable immediately or only after the passage of time or the occurrence of conditions).  The person presiding at the meeting, in addition to making any other determinations that may be appropriate to the conduct of the meeting, shall determine whether such notice has been duly given and shall direct that proposals and nominees not be considered if such notice has not been given.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">6</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%;">ARTICLE III</font></div><div style="text-indent:18pt;padding-left:36pt;text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">BOARD OF DIRECTORS</font></div><div style="padding-left:72pt;text-align:center;"><font><br></font></div><div style="padding-left:72pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">* * * * * *</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Powers</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.1</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The business and property of the Corporation shall be managed by the Board, and subject to the restrictions imposed by applicable law, the Articles of Incorporation or these Bylaws&#59; they may exercise all the powers of the Corporation.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Number</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.2</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The Board shall consist of one or more members, the number thereof to be determined from time to time by the Board.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Election &#47; Term &#47; Resignation &#47; Removal &#47; Vacancies</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.3</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Directors shall be elected annually for terms expiring at the next annual meeting of shareholders and until such directors&#8217; successors shall have been elected and qualified or until their earlier resignation or removal.  Any director may resign at any time upon written notice to the Board or to the Chairman, President or Secretary.  Such resignation shall take effect at the time specified therein, and unless otherwise specified therein no acceptance of such resignation shall be necessary to make it effective.  Any director or, subject to the following sentence, the entire Board may be removed, with or without cause, by the vote of the holders of two-thirds of the shares then entitled to vote for the election of such directors.  Whenever the holders of any class or series of stock are entitled to elect one or more directors by the Articles of Incorporation, the provisions of the preceding sentence shall apply, in respect to the removal of a director or directors so elected, to the vote of the holders of the outstanding shares of that class or series and not to the vote of the outstanding shares as a whole</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">.</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">  Vacancies and newly created directorships resulting from any increase in the authorized number of directors elected by all of the stockholders having the right to vote or from any other cause may be filled by a majority of the directors then in office, although less than a quorum, or by election at an annual or special meeting of shareholders called for such purpose.  Whenever the holders of any class or classes of stock or series thereof are entitled to elect one </font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">7</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">or more directors by the Articles of Incorporation, vacancies and newly created directorships of such class or classes or series may be filled by a majority of the directors elected by such class or classes or series thereof then in office, or by the sole remaining director so elected or by the vote of the holders of such class or classes or series of stock.  Any director elected or appointed to fill a vacancy by reason of an increase in the number of directors shall hold office until the next election of directors by the shareholders&#59; </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">provided</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> that the Board may not fill more than two such directorships during the period between two successive annual meetings of shareholders</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:174%;">.</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">  Any other director elected or appointed to fill a vacancy shall hold office until the end of the term for which such director&#8217;s predecessor was elected, and until his or her successor is elected and qualified or until his or her earlier resignation or removal.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Meeting of Directors</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.4</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Directors may hold their meetings and may have an office and keep the books of the Corporation, except as otherwise provided by applicable law, in such place or places, as the Board may from time to time determine.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Organizational Meeting</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.5</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Other than the first meeting of the initial Board of Directors, each newly elected Board may hold its first meeting for the purpose of organization and the transaction of business, if a quorum is present, immediately after and at the same place as the annual meeting of the shareholders, and no notice of such meeting shall be necessary.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Election of Officers</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.6</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">At the first meeting of the Board in each year at which a quorum shall be present, held next after the annual meeting of shareholders, the Board shall proceed to the election of the officers of the Corporation.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Regular Meetings</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.7</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Regular meetings of the Board shall be held at such times and places as shall be designated, from time to time by resolution of the Board.</font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">8</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Special Meetings</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.8</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Special meetings of the Board may be called by the Chairman or the President or on the written request of a majority of the Directors.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Notice</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.9</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Notice of such regular meetings shall not be required.  The Secretary shall give notice of each special meeting in person, or by telephone, mail, electronic transmission or facsimile at least one (1) day before the meeting to each director.  Notice may be waived by any director by a written waiver signed by the director entitled to notice or a waiver by electronic transmission by the director entitled to notice, given before or after the applicable meeting.  The attendance of a director at any meeting shall constitute a waiver of notice of such meeting, except where a director attends a meeting for the express purpose of objecting to the transaction of any business on the grounds that the meeting is not lawfully called or convened.  Neither the business to be transacted at, nor the purpose of, a special meeting of the Board need be specified in the notice or waiver of notice of such meeting.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Quorum</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.10</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">A majority of the directors fixed in the manner provided in these Bylaws shall constitute a quorum for the transaction of business, but if at any meeting of the Board there be less than a quorum present, a majority of those present or any director solely present may adjourn the meeting from time to time without further notice.  The act of a majority of the directors present at a meeting at which a quorum is in attendance shall be the act of the Board, unless the act of a greater number is required by the Articles of Incorporation, by these Bylaws or by law.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Order of Business</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.11</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">At meetings of the Board, business shall be transacted in such order as from time to time the Chairman may determine.</font></div><div style="text-align:center;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">9</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Compensation</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.12</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Directors as such shall not receive any stated salary for their service, but by resolution of the Board a fixed sum and expense of attendance, if any, may be allowed for attendance at such regular or special meetings of the Board&#59; </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">provided</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> that nothing contained herein shall be construed to preclude any director from serving the Corporation in any other capacity or receiving compensation therefor.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Presumption of Assent</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.13</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">A director of the Corporation who is present at a meeting of the Board at which action on any matter is taken shall be presumed to have assented to the action unless his or her dissent shall be entered in the minutes of the meeting or unless such director shall file his or her written dissent to such action with the person acting as secretary of the meeting before the adjournment thereof or shall forward such dissent by registered mail to the Secretary immediately after the adjournment of the meeting.  Such right to dissent shall not apply to a director who voted in favor of such action.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Executive Committee and Other Committees</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.14</font></div><div style="text-align:center;"><font><br></font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The Board by resolution adopted by a majority of the full Board, may designate from among its members an Executive Committee and one or more other committees, each of which, to the extent provided in such resolution, shall have and may exercise all of the authority of the Board, except that no committee shall have the authority of the Board in those matters specifically prohibited by Section 21.416 of the TBOC.  The designation of any such committee and the delegation thereto of authority shall not operate to relieve the Board, or any member thereof, of any responsibility imposed by applicable laws.  Each committee shall keep regular minutes of its meetings and report the same to the Board at the Board&#8217;s next meeting.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Committee Rules</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.15</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Each committee of the Board may fix its own rules of procedure and shall hold its meetings as provided by such rules, except as may otherwise be provided by a resolution of the Board designating such committee. Unless otherwise provided in such a resolution, the presence of at least a majority of the members of the committee shall be necessary to constitute a quorum.  All matters shall be determined by </font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">10</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">a majority vote of the members present at a meeting of the committee at which a quorum is present.  Notice for committee meetings may be provided in person, or by telephone, mail, electronic transmission or facsimile not later than the day before the meeting to each committee member.  Notice may be waived by any committee member by a written waiver signed by the committee member entitled to notice or a waiver by electronic transmission by the committee member entitled to notice, given before or after the applicable meeting.  Unless otherwise provided in such a resolution, in the event that a member and that member&#8217;s alternate, if alternates are designated by the Board, of such committee is or are absent or disqualified, the member or members thereof present at any meeting and not disqualified from voting, whether or not such member or members constitute a quorum, may unanimously appoint another member of the Board to act at the meeting in place of any such absent or disqualified member.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Actions Without a Meeting</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.16</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Unless otherwise restricted by the Articles of Incorporation, any action required or permitted to be taken at any meeting of the Board or of any committee thereof may be taken without a meeting if all members of the Board or any committee thereof, as the case may be, consent thereto in writing or by electronic transmission, and the writing or writings or electronic transmission or transmissions are filed in the minutes of proceedings of the Board. Such filing shall be in paper form if the minutes are maintained in paper form or shall be in electronic form if the minutes are maintained in electronic form.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Remote Meeting</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 3.17</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Unless otherwise restricted by the Articles of Incorporation, members of the Board or any committee designated by the Board may participate in a meeting by means of conference telephone or similar communications equipment, or other electronic communications system (e.g., videoconference), or any combination, in which all persons participating in the meeting can hear one another. Participation in a meeting by means of conference telephone, such other communications equipment or such other electronic communications system shall constitute presence in person at such meeting.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">11</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%;">ARTICLE IV</font></div><div style="text-indent:18pt;padding-left:72pt;text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">OFFICERS</font></div><div style="padding-left:108pt;text-align:center;"><font><br></font></div><div style="padding-left:108pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">* * * * * *</font></div><div style="padding-left:36pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Officers &#47; Election</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 4.1</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">As soon as practicable after the annual meeting of shareholders in each year, the Board shall elect a President and a Secretary, and it may, if it so determines, elect from among its members a Chairman and one or more vice chairmen of the Board.  The Board may also elect one or more vice presidents, one or more assistant vice presidents, one or more assistant secretaries, a treasurer and one or more assistant treasurers and such other officers as the Board may deem desirable or appropriate and may give any of them such further designations or alternate titles as it considers desirable.  Any number of offices may be held by the same person unless the Articles of Incorporation or these Bylaws otherwise provide.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Term of Office &#47; Resignation &#47; Removal &#47; Vacancies</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 4.2</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Unless otherwise provided in the resolution of the Board electing any officer, each officer shall hold office until his or her successor is elected and qualified or until his or her earlier resignation or removal.  Any officer may resign at any time upon written notice to the Board or to the Chairman, President or Secretary.  Such resignation shall take effect at the time specified therein, and unless otherwise specified therein no acceptance of such resignation shall be necessary to make it effective.  The Board may remove any officer with or without cause at any time.  Any such removal shall be without prejudice to the contractual rights of such officer, if any, with the Corporation, but the election of an officer shall not of itself create contractual rights.  Any vacancy occurring in any office of the Corporation by death, resignation, removal or otherwise may be filled by the Board at any regular or special meeting.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Powers and Duties</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 4.3</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The officers of the Corporation shall have such powers and duties in the management of the Corporation as shall be stated in these Bylaws or in a resolution of the Board which is not inconsistent with these Bylaws and, to the extent not so stated, as generally pertain to their respective offices, subject to the control of the Board.  The Secretary shall have the duty to record the proceedings of the meetings of the </font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">12</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">shareholders, the Board of Directors and any committees in a book to be kept for that purpose.  The Board may require any officer, agent or employee to give security for the faithful performance of his or her duties.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">13</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%;">ARTICLE V</font></div><div style="padding-left:144pt;text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">INDEMNIFICATION OF DIRECTORS AND OFFICERS</font></div><div style="padding-left:144pt;text-align:center;"><font><br></font></div><div style="padding-left:144pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">* * * * * *</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The Corporation shall, to the fullest extent to which it is empowered to do so by the TBOC and any other applicable laws as may from time to time be in effect, indemnify any person who was, is, or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative, arbitrative or investigative (an &#8220;</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Action</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">&#8221;), by reason of the fact that he or she is or was a director or officer of the Corporation, or is or was serving at the request of the Corporation as a director, officer, partner, venturer, proprietor, trustee, employee, administrator, agent or similar functionary of another foreign or domestic corporation, partnership, joint venture, trust or other enterprise, against all expenses (including attorneys&#8217; fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by him or her in connection with such Action.  The Corporation&#8217;s obligations under this </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Article V</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> include, but are not limited to, the convening of any meeting, and the consideration of any matter thereby, required by applicable law in order to determine the eligibility of an officer or director for indemnification.  Reasonable expenses incurred in defending an Action shall be paid by the Corporation in advance of the final disposition of such Action upon receipt of (a) a written affirmation by such person who may be entitled to such indemnification of his or her good faith belief that he or she has met the standard of conduct necessary for indemnification under the applicable law, and (b) a written undertaking by or on behalf of the director, officer, employee or agent who may be entitled to such indemnification, to repay such amount if it shall ultimately be determined that he or she is not entitled to be indemnified by the Corporation.  The Corporation&#8217;s obligation to indemnify and to prepay expenses under this </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Article V</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> shall arise, and all rights granted to directors, officers, employees or agents hereunder shall vest, at the time of the occurrence of the transaction or event to which such Action relates, or at the time that the act or conduct to which such Action relates was first taken or engaged (or omitted to be taken or engaged in), regardless of when such Action is first threatened, commenced or completed.  Notwithstanding any other provision of these Bylaws or the Articles of Incorporation, no action taken by the Corporation, either by amendment of these Bylaws or the Articles of Incorporation or otherwise, shall diminish or adversely affect any rights to indemnification or prepayment of expenses granted under this </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Article V</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> which shall have become vested as aforesaid prior to the date that such amendment or other corporate action is taken.  Further, if any provision of this </font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;text-decoration: underline;">Article V</font><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;"> shall be held to be invalid or unenforceable, the validity and enforceability of the remaining provisions shall not in any way be affected or impaired.</font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">14</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%;">ARTICLE VI</font></div><div style="padding-left:180pt;text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">CAPITAL STOCK</font></div><div style="padding-left:180pt;text-align:center;"><font><br></font></div><div style="padding-left:180pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">* * * * * *</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Certificates of Shares</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 6.1</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The shares of the Corporation shall be represented by certificates or shall be uncertificated, as determined by the Board.  Any certificates representing shares of the Corporation shall be in such form as shall be approved by the Board and shall be signed by the Chairman or the President or a vice president, and also by the Secretary or an assistant secretary or by the treasurer or an assistant treasurer and may be sealed with the seal of the Corporation or a facsimile thereof.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 6.2</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Within a reasonable time after the issuance or transfer of uncertificated shares, the Corporation shall send to the registered owner of such uncertificated shares a written notice that sets forth all of the information required by Section 3.205 of the TBOC.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 6.3</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The signatures of the Chairman or the President or a vice president, or of the Secretary or an assistant secretary or of the treasurer or an assistant treasurer upon any certificate may be facsimiles.  In case any officer who has signed or whose facsimile signature has been placed upon a certificate shall have ceased to be such officer before the certificate is issued, it may be issued by the Corporation with the same effect as if he or she were such officer at the date of its issue.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 6.4</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The Corporation may issue a new certificate in place of any certificate theretofore issued by the Corporation alleged to have been lost, stolen or destroyed.  When authorizing the issue of a new certificate, the Corporation, in its discretion and as a condition precedent to the issuance thereof, may prescribe such terms and conditions as it deems advisable and may require such indemnities as it deems adequate to protect the Corporation from any claim that may be made against it with respect to any such certificate alleged to have been lost, stolen or destroyed.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">15</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 6.5</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Upon surrender to the Corporation or a transfer agent of the Corporation of a certificate representing shares duly endorsed or accompanied by proper evidence of succession, assignment or authority to transfer, one or more new certificates may be issued to the person entitled thereto for a like number of shares and the old certificate canceled and the transaction recorded upon the books of the Corporation.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 6.6</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Notwithstanding anything to the contrary in these Bylaws, the Corporation shall not be required to issue a new certificate, or any certificate at all, if the Corporation has determined that such shares shall be uncertificated.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Regulations</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 6.7</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The Board shall have power and authority to make all such rules and regulations as they may deem expedient concerning the issue, transfer and registration or the replacement of certificates for shares of capital stock of the Corporation.</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">16</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%;">ARTICLE VII</font></div><div style="padding-left:216pt;text-align:center;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">MISCELLANEOUS PROVISIONS</font></div><div style="padding-left:216pt;text-align:center;"><font><br></font></div><div style="padding-left:216pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">* * * * * *</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Fiscal Year</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 7.1</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The fiscal year of the Corporation shall be such as the Board shall by resolution establish.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Seal</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 7.2</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The seal of the Corporation shall be such as from time to time may be approved by the Board.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Notice and Waiver of Notice</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 7.3</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Whenever any notice whatsoever is required to be given to shareholders under the provisions of these Bylaws, all such notices may be delivered, either personally, by mail or by a form of electronic transmission consented to by the shareholder to whom the notice is given, by or at the direction of the Board.  If such notice is mailed, such notice shall be deemed to be delivered when deposited in the U.S. mail, postage prepaid, addressed to the shareholder at his, her or its address as the same appears on the records of the Corporation.  If given by electronic transmission, such notice shall be deemed to be delivered (a)&#160;if by facsimile telecommunication, when directed to a number at which the shareholder has consented to receive notice&#59; (b)&#160;if by electronic mail, when directed to an electronic mail address at which the shareholder has consented to receive notice&#59; (c)&#160;if by a posting on an electronic network together with separate notice to the shareholder of such specific posting, upon the later of&#160;(i) such posting and (ii) the giving of such separate notice&#59; and (d)&#160;if by any other form of electronic transmission, when directed to the shareholder.  Any such consent shall be revocable by the shareholder by written notice to the Corporation.  Any such consent shall be deemed revoked if (a)&#160;the Corporation is unable to deliver by electronic transmission two consecutive notices given by the Corporation in accordance with such consent and (b)&#160;such inability becomes known to the Secretary or an assistant secretary of the Corporation.  Attendance of a person at a meeting shall constitute a waiver of notice of such meeting, except when the person attends for the express purpose of objecting at the beginning of the meeting to the transaction of any business because the meeting is not lawfully called or convened.  A waiver of notice, signed by the </font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">17</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%;"><div><font><br></font></div></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">person or persons entitled to said notice, or waiver by electronic transmission, whether before or after the time stated therein, shall be deemed equivalent to the giving of such notice.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Securities of Other Corporations</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 7.4</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The President (or any vice president of the Corporation) shall have power and authority to transfer, endorse for transfer, vote, consent and take any other action with respect to any securities of another issuer which may be held or owned by the Corporation and to make, execute and deliver any waiver, proxy or consent with respect to any such securities.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Dividends</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 7.5</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">Dividends upon the outstanding shares of the Corporation, subject to the provisions of the Articles of Incorporation, if any, may be declared by the Board at any regular or special meeting.  Dividends may be paid in cash, property or in shares of the Corporation, subject to the provisions of the TBOC and the Articles of Incorporation.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Contracts</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 7.6</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">The Board may authorize any officer(s) or agent(s) to enter into any contract or execute and deliver any instrument in the name of and on behalf of the Corporation, and such authority may be general or confined to specific instances.</font></div><div style="text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration: underline;">Bylaws</font></div><div style="text-indent:18pt;text-align:center;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;">Section 7.7</font></div><div style="text-align:justify;margin-bottom:12pt;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:174%;">These Bylaws may be altered, amended or repealed and new Bylaws may be adopted by a vote of a majority of the number of directors as fixed in accordance with these Bylaws or by a vote of the holders of three-quarters of the outstanding shares entitled to vote thereon.</font></div><div style="text-align:justify;margin-bottom:12pt;"><font><br></font></div><div style="position:relative;width:100%;height:72pt;"><div style="position:absolute;bottom:0;width:100%;"><div style="text-align:right;"><font style="background-color:rgb(255,255,255, 0.0);color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;">18</font></div><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>cfr-20200729.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2020 Workiva-->
<!--r:0a7eecbc-f316-4914-be1f-75c41be662f6,g:d066afce-ab26-4c7f-abb8-74ef71cd11f6-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:cfr="http://www.frostbank.com/20200729" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.frostbank.com/20200729">
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2019-01-31" schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfr-20200729_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfr-20200729_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfr-20200729_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfr-20200729_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverDocument" roleURI="http://www.frostbank.com/role/CoverDocument">
        <link:definition>0001001 - Document - Cover Document</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>4
<FILENAME>cfr-20200729_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2020 Workiva-->
<!--r:0a7eecbc-f316-4914-be1f-75c41be662f6,g:d066afce-ab26-4c7f-abb8-74ef71cd11f6-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.frostbank.com/role/CoverDocument" xlink:type="simple" xlink:href="cfr-20200729.xsd#CoverDocument"/>
  <link:calculationLink xlink:role="http://www.frostbank.com/role/CoverDocument" xlink:type="extended"/>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>5
<FILENAME>cfr-20200729_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2020 Workiva-->
<!--r:0a7eecbc-f316-4914-be1f-75c41be662f6,g:d066afce-ab26-4c7f-abb8-74ef71cd11f6-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://www.frostbank.com/role/CoverDocument" xlink:type="simple" xlink:href="cfr-20200729.xsd#CoverDocument"/>
  <link:definitionLink xlink:role="http://www.frostbank.com/role/CoverDocument" xlink:type="extended" id="iedd0993fb11b4e60a959a04e11a66dfa_CoverDocument">
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_d1fe7e73-8e89-4ba9-ae93-291a01eb47ec" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_AmendmentFlag_d1fe7e73-8e89-4ba9-ae93-291a01eb47ec" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_56edee7c-bb8b-4ea6-a23e-00946eb5df3c" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_Security12bTitle_56edee7c-bb8b-4ea6-a23e-00946eb5df3c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_84dbad31-1323-46c4-91b4-36d115d50a05" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_CityAreaCode_84dbad31-1323-46c4-91b4-36d115d50a05" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_908dc1fd-d024-4d6d-a885-6c031ce440f8" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityAddressAddressLine1_908dc1fd-d024-4d6d-a885-6c031ce440f8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_fbf1f499-5666-4eb1-bb1f-bdd9bce9cfb5" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityIncorporationStateCountryCode_fbf1f499-5666-4eb1-bb1f-bdd9bce9cfb5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_748c4c9b-73d0-4ecd-ad88-0117474535de" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_DocumentType_748c4c9b-73d0-4ecd-ad88-0117474535de" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_12159518-0b3d-4cc9-8031-30b807763222" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_DocumentPeriodEndDate_12159518-0b3d-4cc9-8031-30b807763222" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_eaec4ad1-8648-456a-9f06-bd9790ab9737" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityRegistrantName_eaec4ad1-8648-456a-9f06-bd9790ab9737" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_ad125706-1ae0-4def-986b-213d890ee3b5" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityFileNumber_ad125706-1ae0-4def-986b-213d890ee3b5" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_55a748d8-3c9a-4aa1-bcd0-0c111c474957" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityTaxIdentificationNumber_55a748d8-3c9a-4aa1-bcd0-0c111c474957" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_331ceba6-56e1-471a-a2f5-1d6c5a7b4f3b" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityAddressCityOrTown_331ceba6-56e1-471a-a2f5-1d6c5a7b4f3b" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_c085a15e-f0e9-4494-ade7-0e60d6c9a926" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityAddressStateOrProvince_c085a15e-f0e9-4494-ade7-0e60d6c9a926" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_52d3eeb7-22a7-4dac-9703-2832f1d984b0" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityAddressPostalZipCode_52d3eeb7-22a7-4dac-9703-2832f1d984b0" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_8dba7d1c-ba57-416e-810e-6709ce2a8261" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_LocalPhoneNumber_8dba7d1c-ba57-416e-810e-6709ce2a8261" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications_1248902b-3456-4061-8694-cb981d66c256" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_WrittenCommunications_1248902b-3456-4061-8694-cb981d66c256" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial_cbc62aa2-7cc8-4b37-bfd2-22599bd06388" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_SolicitingMaterial_cbc62aa2-7cc8-4b37-bfd2-22599bd06388" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer_2fe319a9-0164-4b32-b1ca-b37a38573a42" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_PreCommencementTenderOffer_2fe319a9-0164-4b32-b1ca-b37a38573a42" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer_6fb74314-8fb1-4145-bcb2-4fa1a140952a" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_PreCommencementIssuerTenderOffer_6fb74314-8fb1-4145-bcb2-4fa1a140952a" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_3831f98d-503f-4443-9807-341aa5205a42" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_TradingSymbol_3831f98d-503f-4443-9807-341aa5205a42" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_5222ec16-f03d-4ef6-9b8c-9e27fbb524dc" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_SecurityExchangeName_5222ec16-f03d-4ef6-9b8c-9e27fbb524dc" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_181dfa1a-0b71-4872-baf3-deb8dc6830b7" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityEmergingGrowthCompany_181dfa1a-0b71-4872-baf3-deb8dc6830b7" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_f9d3349f-d201-4b0e-9e68-b3b46c4a387d" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityCentralIndexKey_f9d3349f-d201-4b0e-9e68-b3b46c4a387d" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_d84a469e-3034-4b33-ad4e-b1c3f0a7b3da" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_CurrentFiscalYearEndDate_d84a469e-3034-4b33-ad4e-b1c3f0a7b3da" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_91392c70-42b0-41f4-ac32-785751a74160" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_DocumentInformationTable_91392c70-42b0-41f4-ac32-785751a74160" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationDocumentAxis_6b2ef488-df86-4512-94e0-fe809425f4b4" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationDocumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_dei_DocumentInformationTable_91392c70-42b0-41f4-ac32-785751a74160" xlink:to="loc_dei_DocumentInformationDocumentAxis_6b2ef488-df86-4512-94e0-fe809425f4b4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentDomain_6b2ef488-df86-4512-94e0-fe809425f4b4_default" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_DocumentInformationDocumentAxis_6b2ef488-df86-4512-94e0-fe809425f4b4" xlink:to="loc_dei_DocumentDomain_6b2ef488-df86-4512-94e0-fe809425f4b4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentDomain_073cf860-d6c4-455c-b4e1-868493b82c61" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_DocumentInformationDocumentAxis_6b2ef488-df86-4512-94e0-fe809425f4b4" xlink:to="loc_dei_DocumentDomain_073cf860-d6c4-455c-b4e1-868493b82c61" xlink:type="arc" order="1"/>
  </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>cfr-20200729_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2020 Workiva-->
<!--r:0a7eecbc-f316-4914-be1f-75c41be662f6,g:d066afce-ab26-4c7f-abb8-74ef71cd11f6-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_812443ac-924f-472f-8863-c36b8f8c1a0f_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_bcb1c71c-8be6-4968-ba66-44512feb038d_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SolicitingMaterial_370eba68-5986-4558-a7b3-af640502bc54_terseLabel_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Soliciting Material</link:label>
    <link:label id="lab_dei_SolicitingMaterial_label_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Soliciting Material</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SolicitingMaterial" xlink:to="lab_dei_SolicitingMaterial" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_1cccf369-a974-42ee-a723-80289a367ebe_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_f464dc60-b9cd-47d0-b063-b6cd6d811f4e_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationLineItems_9c3919b9-fa09-4d4a-b643-684cde583b59_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:label id="lab_dei_DocumentInformationLineItems_label_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="lab_dei_DocumentInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_62e44a22-7fbb-4b35-9843-8c99714a6dad_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_577b8b25-e4c7-4a9b-95f5-666a120b838e_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_b7fd8629-5bad-40eb-8ff9-f2adfc561874_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_ae1faf5b-9971-4b03-bf91-959f1ba7fc0f_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_1a81e2ce-06da-4ec2-bc3d-54fbd7278200_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_80e10e63-6210-40c2-9dec-85197029af69_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationTable_41654b11-e745-47fb-ae9e-14777d7c2a38_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Table]</link:label>
    <link:label id="lab_dei_DocumentInformationTable_label_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_9a4e4f76-36b5-4e92-abc4-66f8dd4e4b71_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_bbad9f8d-c006-4ba1-a099-9250725c96e4_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationDocumentAxis_3e55ca0e-3825-4e4a-82b5-be342b104114_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationDocumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information, Document [Axis]</link:label>
    <link:label id="lab_dei_DocumentInformationDocumentAxis_label_en-US" xlink:label="lab_dei_DocumentInformationDocumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Information, Document [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationDocumentAxis" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationDocumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationDocumentAxis" xlink:to="lab_dei_DocumentInformationDocumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_c7d70fd2-5d6f-4ea1-8600-fa912ff86d6f_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_6db1f80c-1c0a-4710-84c1-9de82b5929cf_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_2c1d115e-d7e5-43cf-bfe6-da6934dc7017_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentPeriodEndDate_c9c7b173-f77e-41f6-a0a0-3c98a38ed883_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_ce3fb5ca-0a0c-4ee4-88e2-de3233f28527_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_WrittenCommunications_fbc8c2b3-e1bb-4e8e-9e04-4088206de7b4_terseLabel_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Written Communications</link:label>
    <link:label id="lab_dei_WrittenCommunications_label_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Written Communications</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_WrittenCommunications" xlink:to="lab_dei_WrittenCommunications" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementTenderOffer_15463eec-bb6e-4a44-859d-a023c12b9a85_terseLabel_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementTenderOffer" xlink:to="lab_dei_PreCommencementTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_2b6ea4fe-acae-4239-9184-96d38354d381_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_bb95dfdd-8e32-4350-88c3-fdb126b48e47_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_a7c60573-9b36-4453-832c-0acc5de627d4_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_ac96191b-87eb-474c-a8bc-5d29f1e4fc69_terseLabel_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementIssuerTenderOffer" xlink:to="lab_dei_PreCommencementIssuerTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentDomain_4286b473-4dc7-487b-8a97-eb0bad89f986_terseLabel_en-US" xlink:label="lab_dei_DocumentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document [Domain]</link:label>
    <link:label id="lab_dei_DocumentDomain_label_en-US" xlink:label="lab_dei_DocumentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentDomain" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentDomain" xlink:to="lab_dei_DocumentDomain" xlink:type="arc" order="1"/>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>cfr-20200729_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2020 Workiva-->
<!--r:0a7eecbc-f316-4914-be1f-75c41be662f6,g:d066afce-ab26-4c7f-abb8-74ef71cd11f6-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.frostbank.com/role/CoverDocument" xlink:type="simple" xlink:href="cfr-20200729.xsd#CoverDocument"/>
  <link:presentationLink xlink:role="http://www.frostbank.com/role/CoverDocument" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_9960abcb-0874-4ff4-9e61-442ed2e95199" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_91392c70-42b0-41f4-ac32-785751a74160" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_9960abcb-0874-4ff4-9e61-442ed2e95199" xlink:to="loc_dei_DocumentInformationTable_91392c70-42b0-41f4-ac32-785751a74160" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationDocumentAxis_6b2ef488-df86-4512-94e0-fe809425f4b4" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationDocumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_91392c70-42b0-41f4-ac32-785751a74160" xlink:to="loc_dei_DocumentInformationDocumentAxis_6b2ef488-df86-4512-94e0-fe809425f4b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentDomain_073cf860-d6c4-455c-b4e1-868493b82c61" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationDocumentAxis_6b2ef488-df86-4512-94e0-fe809425f4b4" xlink:to="loc_dei_DocumentDomain_073cf860-d6c4-455c-b4e1-868493b82c61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentInformationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_91392c70-42b0-41f4-ac32-785751a74160" xlink:to="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_d1fe7e73-8e89-4ba9-ae93-291a01eb47ec" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_AmendmentFlag_d1fe7e73-8e89-4ba9-ae93-291a01eb47ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_56edee7c-bb8b-4ea6-a23e-00946eb5df3c" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_Security12bTitle_56edee7c-bb8b-4ea6-a23e-00946eb5df3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_84dbad31-1323-46c4-91b4-36d115d50a05" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_CityAreaCode_84dbad31-1323-46c4-91b4-36d115d50a05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_908dc1fd-d024-4d6d-a885-6c031ce440f8" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityAddressAddressLine1_908dc1fd-d024-4d6d-a885-6c031ce440f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_fbf1f499-5666-4eb1-bb1f-bdd9bce9cfb5" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityIncorporationStateCountryCode_fbf1f499-5666-4eb1-bb1f-bdd9bce9cfb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_748c4c9b-73d0-4ecd-ad88-0117474535de" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_DocumentType_748c4c9b-73d0-4ecd-ad88-0117474535de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_12159518-0b3d-4cc9-8031-30b807763222" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_DocumentPeriodEndDate_12159518-0b3d-4cc9-8031-30b807763222" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_eaec4ad1-8648-456a-9f06-bd9790ab9737" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityRegistrantName_eaec4ad1-8648-456a-9f06-bd9790ab9737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_ad125706-1ae0-4def-986b-213d890ee3b5" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityFileNumber_ad125706-1ae0-4def-986b-213d890ee3b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_55a748d8-3c9a-4aa1-bcd0-0c111c474957" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityTaxIdentificationNumber_55a748d8-3c9a-4aa1-bcd0-0c111c474957" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_331ceba6-56e1-471a-a2f5-1d6c5a7b4f3b" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityAddressCityOrTown_331ceba6-56e1-471a-a2f5-1d6c5a7b4f3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_c085a15e-f0e9-4494-ade7-0e60d6c9a926" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityAddressStateOrProvince_c085a15e-f0e9-4494-ade7-0e60d6c9a926" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_52d3eeb7-22a7-4dac-9703-2832f1d984b0" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityAddressPostalZipCode_52d3eeb7-22a7-4dac-9703-2832f1d984b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_8dba7d1c-ba57-416e-810e-6709ce2a8261" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_LocalPhoneNumber_8dba7d1c-ba57-416e-810e-6709ce2a8261" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications_1248902b-3456-4061-8694-cb981d66c256" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_WrittenCommunications_1248902b-3456-4061-8694-cb981d66c256" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial_cbc62aa2-7cc8-4b37-bfd2-22599bd06388" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_SolicitingMaterial_cbc62aa2-7cc8-4b37-bfd2-22599bd06388" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer_2fe319a9-0164-4b32-b1ca-b37a38573a42" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_PreCommencementTenderOffer_2fe319a9-0164-4b32-b1ca-b37a38573a42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer_6fb74314-8fb1-4145-bcb2-4fa1a140952a" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_PreCommencementIssuerTenderOffer_6fb74314-8fb1-4145-bcb2-4fa1a140952a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_3831f98d-503f-4443-9807-341aa5205a42" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_TradingSymbol_3831f98d-503f-4443-9807-341aa5205a42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_5222ec16-f03d-4ef6-9b8c-9e27fbb524dc" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_SecurityExchangeName_5222ec16-f03d-4ef6-9b8c-9e27fbb524dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_181dfa1a-0b71-4872-baf3-deb8dc6830b7" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityEmergingGrowthCompany_181dfa1a-0b71-4872-baf3-deb8dc6830b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_f9d3349f-d201-4b0e-9e68-b3b46c4a387d" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_EntityCentralIndexKey_f9d3349f-d201-4b0e-9e68-b3b46c4a387d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_d84a469e-3034-4b33-ad4e-b1c3f0a7b3da" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_f97b3396-bec4-431b-b378-f1ead4abe6c8" xlink:to="loc_dei_CurrentFiscalYearEndDate_d84a469e-3034-4b33-ad4e-b1c3f0a7b3da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>cfr-20200729_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="cfr-20200729.xsd" xlink:type="simple"/>
    <context id="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000039263</identifier>
        </entity>
        <period>
            <startDate>2020-07-29</startDate>
            <endDate>2020-07-29</endDate>
        </period>
    </context>
    <dei:AmendmentFlag
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl80L2ZyYWc6ZDNmMTA0ZjRjYmI3NDJkMmE4Zjg0MzU1M2UzOWU1NjYvdGFibGU6MTc3ODA1YzBjYjRiNDA5M2E2N2VmNWM5NWY0ZjljNjQvdGFibGVyYW5nZToxNzc4MDVjMGNiNGI0MDkzYTY3ZWY1Yzk1ZjRmOWM2NF8wLTEtMS0xLTA_b3740bd3-35ef-492b-9b59-432f615dfca4">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl80L2ZyYWc6ZDNmMTA0ZjRjYmI3NDJkMmE4Zjg0MzU1M2UzOWU1NjYvdGFibGU6MTc3ODA1YzBjYjRiNDA5M2E2N2VmNWM5NWY0ZjljNjQvdGFibGVyYW5nZToxNzc4MDVjMGNiNGI0MDkzYTY3ZWY1Yzk1ZjRmOWM2NF8xLTEtMS0xLTA_ba2d05c6-9d19-4297-accc-82cdc53dfa5f">0000039263</dei:EntityCentralIndexKey>
    <dei:CurrentFiscalYearEndDate
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl80L2ZyYWc6ZDNmMTA0ZjRjYmI3NDJkMmE4Zjg0MzU1M2UzOWU1NjYvdGFibGU6MTc3ODA1YzBjYjRiNDA5M2E2N2VmNWM5NWY0ZjljNjQvdGFibGVyYW5nZToxNzc4MDVjMGNiNGI0MDkzYTY3ZWY1Yzk1ZjRmOWM2NF8yLTEtMS0xLTE5Nw_b5d0e336-343e-45c4-80a1-35b87876213b">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:DocumentType
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ2_85e63c35-3972-4bfc-9195-6e3b5a34f559">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18xMDk5NTExNjU5MTQ5_41d2db0e-2780-48ad-a817-0fcd77092405">2020-07-29</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ3_e2b77b67-a3b0-4d9a-a079-e54b24126db1">Cullen/Frost Bankers, Inc.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MWJkNWM5ODJiOWZhNGVlOGEwY2ZlNmQ3ODlmNDU2MmIvdGFibGVyYW5nZToxYmQ1Yzk4MmI5ZmE0ZWU4YTBjZmU2ZDc4OWY0NTYyYl8wLTAtMS0xLTA_e71b62bd-02fb-4d0a-a9cb-e4046bd14a7d">TX</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MWJkNWM5ODJiOWZhNGVlOGEwY2ZlNmQ3ODlmNDU2MmIvdGFibGVyYW5nZToxYmQ1Yzk4MmI5ZmE0ZWU4YTBjZmU2ZDc4OWY0NTYyYl8wLTQtMS0xLTA_168fa66b-9375-4e14-9ec9-2bdd0fdc3f9a">001-13221</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MWJkNWM5ODJiOWZhNGVlOGEwY2ZlNmQ3ODlmNDU2MmIvdGFibGVyYW5nZToxYmQ1Yzk4MmI5ZmE0ZWU4YTBjZmU2ZDc4OWY0NTYyYl8wLTYtMS0xLTA_3133fc67-d3bb-4c9b-8538-619725378e91">74-1751768</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6NTEyMWUzNmRlM2Q5NDJjN2I1ODdiMmY4ZDBkNTBlMGQvdGFibGVyYW5nZTo1MTIxZTM2ZGUzZDk0MmM3YjU4N2IyZjhkMGQ1MGUwZF8wLTAtMS0xLTA_735ceb45-8688-448e-b9e5-f2d5dde74d76">111 W. Houston Street,</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6NTEyMWUzNmRlM2Q5NDJjN2I1ODdiMmY4ZDBkNTBlMGQvdGFibGVyYW5nZTo1MTIxZTM2ZGUzZDk0MmM3YjU4N2IyZjhkMGQ1MGUwZF8wLTEtMS0xLTA_607984ce-f28d-4931-96b6-7aeed00c1c64">San Antonio,</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6NTEyMWUzNmRlM2Q5NDJjN2I1ODdiMmY4ZDBkNTBlMGQvdGFibGVyYW5nZTo1MTIxZTM2ZGUzZDk0MmM3YjU4N2IyZjhkMGQ1MGUwZF8wLTItMS0xLTA_2b289d99-34f0-404f-b301-e944d2edb130">TX</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6NTEyMWUzNmRlM2Q5NDJjN2I1ODdiMmY4ZDBkNTBlMGQvdGFibGVyYW5nZTo1MTIxZTM2ZGUzZDk0MmM3YjU4N2IyZjhkMGQ1MGUwZF8wLTQtMS0xLTA_f4572bdd-aa68-451e-845c-9bb66035d850">78205</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6YWRiNjI3YzQ5OTQ5NDQ5MGE4MDA0NGFkMWFmNDhjNmQvdGFibGVyYW5nZTphZGI2MjdjNDk5NDk0NDkwYTgwMDQ0YWQxYWY0OGM2ZF8wLTEtMS0xLTA_acb24c16-0e9f-4d3d-bb17-3e598f1b8334">(210)</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6YWRiNjI3YzQ5OTQ5NDQ5MGE4MDA0NGFkMWFmNDhjNmQvdGFibGVyYW5nZTphZGI2MjdjNDk5NDk0NDkwYTgwMDQ0YWQxYWY0OGM2ZF8wLTItMS0xLTA_417803e8-5cc3-45be-be23-2daf5c46f05e">220-4011</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ4_a7a56e2e-6354-4898-a642-aa8f000615ab">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ5_732870a3-9c74-480d-9173-67b0f25e9254">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzUw_202fe415-a012-4f0d-a88d-23f20a122d38">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzUx_d5086a47-4381-4ef8-a611-4f10a6dc656d">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MTNiMmFhZTQwZTc4NGIyNmJmZDg1YzIyZTA5MWJhNmQvdGFibGVyYW5nZToxM2IyYWFlNDBlNzg0YjI2YmZkODVjMjJlMDkxYmE2ZF8yLTAtMS0xLTA_e09d956a-66c1-42f3-881d-ebbcc9f3bcc3">Common Stock, $.01 Par Value</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MTNiMmFhZTQwZTc4NGIyNmJmZDg1YzIyZTA5MWJhNmQvdGFibGVyYW5nZToxM2IyYWFlNDBlNzg0YjI2YmZkODVjMjJlMDkxYmE2ZF8yLTItMS0xLTA_4226cd31-a8a6-4037-a721-1872be3539d3">CFR</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGFibGU6MTNiMmFhZTQwZTc4NGIyNmJmZDg1YzIyZTA5MWJhNmQvdGFibGVyYW5nZToxM2IyYWFlNDBlNzg0YjI2YmZkODVjMjJlMDkxYmE2ZF8yLTQtMS0xLTA_74ce84ed-6e7a-46b1-93fc-86052ddb6507">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729"
      id="id3VybDovL2RvY3MudjEvZG9jOmM4ZjVlOTAyOWRlOTQ3MzE5ODEzMmJjN2VkOGVjOGMyL3NlYzpjOGY1ZTkwMjlkZTk0NzMxOTgxMzJiYzdlZDhlYzhjMl8xL2ZyYWc6MTg2ZGFlZTU1MmFjNGRiYTkwYWM2OWZjMGExMjY1ZjMvdGV4dHJlZ2lvbjoxODZkYWVlNTUyYWM0ZGJhOTBhYzY5ZmMwYTEyNjVmM18yNzQ1_4071d194-23a7-41ef-bdd1-aa007f3f7c19">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139782515793816">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover Document<br></strong></div></th>
<th class="th"><div>Jul. 29, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $.01 Par Value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(210)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">111 W. Houston Street,<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">TX<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jul. 29,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Cullen/Frost Bankers, Inc.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-13221<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">74-1751768<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">San Antonio,<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">TX<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">78205<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">220-4011<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CFR<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000039263<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>10
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M8U!R;W!S+V-O<F4N>&UL4$L! A0#%     @ [H/_4)E<G",0!@  G"<  !,
M             ( !S $  'AL+W1H96UE+W1H96UE,2YX;6Q02P$"% ,4
M" #N@_]0?,_S(E@$  #E$   &               @($-"   >&PO=V]R:W-H
M965T<R]S:&5E=#$N>&UL4$L! A0#%     @ [H/_4(.II0/4 0  ,@8   T
M             ( !FPP  'AL+W-T>6QE<RYX;6Q02P$"% ,4    " #N@_]0
MEXJ[',     3 @  "P              @ &:#@  7W)E;',O+G)E;'-02P$"
M% ,4    " #N@_]0-]1K_C8!   K @  #P              @ &##P  >&PO
M=V]R:V)O;VLN>&UL4$L! A0#%     @ [H/_4"0>FZ*M    ^ $  !H
M         ( !YA   'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QS4$L! A0#
M%     @ [H/_4&60>9(9 0  SP,  !,              ( !RQ$  %M#;VYT
D96YT7U1Y<&5S72YX;6Q02P4&      D "0 ^ @  %1,

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.2</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>95</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="cfr-20200729.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>0001001 - Document - Cover Document</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.frostbank.com/role/CoverDocument</Role>
      <ShortName>Cover Document</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="cfr-20200729.htm">cfr-20200729.htm</File>
    <File>cfr-20200729.xsd</File>
    <File>cfr-20200729_cal.xml</File>
    <File>cfr-20200729_def.xml</File>
    <File>cfr-20200729_lab.xml</File>
    <File>cfr-20200729_pre.xml</File>
    <File>exhibit31amendedandres.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>true</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>16
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "cfr-20200729.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "calculationLink": {
     "local": [
      "cfr-20200729_cal.xml"
     ]
    },
    "definitionLink": {
     "local": [
      "cfr-20200729_def.xml"
     ]
    },
    "inline": {
     "local": [
      "cfr-20200729.htm"
     ]
    },
    "labelLink": {
     "local": [
      "cfr-20200729_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-doc-2019-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "cfr-20200729_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-ref-2019-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "cfr-20200729.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd"
     ]
    }
   },
   "elementCount": 28,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2019-01-31": 3,
    "total": 3
   },
   "keyCustom": 0,
   "keyStandard": 95,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "cfr",
   "nsuri": "http://www.frostbank.com/20200729",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "baseRef": "cfr-20200729.htm",
      "contextRef": "i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:Security12bTitle",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "0001001 - Document - Cover Document",
     "role": "http://www.frostbank.com/role/CoverDocument",
     "shortName": "Cover Document",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "baseRef": "cfr-20200729.htm",
      "contextRef": "i496b652e19864c00bfa81da944d8c5d4_D20200729-20200729",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:Security12bTitle",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_CurrentFiscalYearEndDate": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "End date of current fiscal year in the format --MM-DD.",
        "label": "Current Fiscal Year End Date",
        "terseLabel": "Current Fiscal Year End Date"
       }
      }
     },
     "localname": "CurrentFiscalYearEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "gMonthDayItemType"
    },
    "dei_DocumentDomain": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Type of the document as assigned by the filer, corresponding to SEC document naming convention standards.",
        "label": "Document [Domain]",
        "terseLabel": "Document [Domain]"
       }
      }
     },
     "localname": "DocumentDomain",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "domainItemType"
    },
    "dei_DocumentInformationDocumentAxis": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.",
        "label": "Document Information, Document [Axis]",
        "terseLabel": "Document Information, Document [Axis]"
       }
      }
     },
     "localname": "DocumentInformationDocumentAxis",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "stringItemType"
    },
    "dei_DocumentInformationLineItems": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.",
        "label": "Document Information [Line Items]",
        "terseLabel": "Document Information [Line Items]"
       }
      }
     },
     "localname": "DocumentInformationLineItems",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "stringItemType"
    },
    "dei_DocumentInformationTable": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Container to support the formal attachment of each official or unofficial, public or private document as part of a submission package.",
        "label": "Document Information [Table]",
        "terseLabel": "Document Information [Table]"
       }
      }
     },
     "localname": "DocumentInformationTable",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code",
        "terseLabel": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre-commencement Issuer Tender Offer",
        "terseLabel": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre-commencement Tender Offer",
        "terseLabel": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security",
        "terseLabel": "Title of 12(b) Security"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.frostbank.com/role/CoverDocument"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0000039263-20-000040-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0000039263-20-000040-xbrl.zip
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MH^FEW^\G"6-E/W5QT*(X.8A(#5JO5_^QU1]-5O] ;PQ^.#J1J:H:HJJI5-3
MJA M&8,.U!W+M$Q#0:I3V:E1EX8.3005W:* K5GQG5"/PMJX-+U#Z3#=54VY
M:@8:$;@NJV:@:CY54C_L!4P'\N\Z"2.A:?TB#5,"(VS-#I&_?O+. H0T[B?\
M$]>]U8(L<^)X#EF6 U$N<LI//F&?/1_PP@&B=QI*^\=_S7+0?.>=\JO9T7N
MWIB4G\!$2#)&XCL,*%$V1:9RYY^-P23W-"V?E)_+EVS-(*K$ZAB-6U/:>@MT
M>J[8.3H?,RE_H,ITG\(8"/U([%!F]E8U13+U7K8]\$G6J2)9_K_M"F^[\S'M
M82 J)]F"$?*_\X%N#<> %G'@7T95%[!(D^T0)Y?PCBSN5548G)FQ(C1*L)M5
MTWX(CT?L-6S4<A 'NU>72=R/B.C&09Q4DTMG0]'US?*_($ORA^W\V1]\1>5M
M#S F>CCT@U'UWTT_!+)OT(%P&H<X^O=F"J8AO#KQO;QAZM_0*C( (/YQD&/
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M5[SF"N[UDKB7^"Q1VHF'@D.#>,#6GSWDA98L\2\@CH!957X*)E9&(P)TD<5
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M7B_P"BUPHRAPREF8EC9.' G<%!ET?/AZHKX?/W4P07QA#3!+91F9."_9>WN
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MQHMC%'@CM =8Y74UHD)^,7T]U:*?%A$%-N*BBK# S]JG7\RGWP?A#H#S*G.
MZ1,N"?,07[IVZA>*BMQVS3D_A/B*3EAM@N:QOBSC6X5[_XQZ,6OO_+=33ZF
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M7)B==^CXCI\Q6R%O"B/O]Y.$2:%37ON:.2]E4>3-PHTI>_'BR./L$B)TX*4
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M)][9;# X?8?QW<>K.;J0M"Y!&'2N@!C(T9J;);K-0:\04[)$MU*M^#W!>.9
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M_FHT[L!":%TXM?.=G([!/%260=L5*6!;H+]8?0[L6/46P@7_'\07)#M6O(5
M\:_KKA0<J]M"M+TX?J?G&_RU]2.>3[US:?\!NKO=0XWOYNK3*Q>-R]Y'=?1=
M@EU#SD)[W]H'X=W_ T8._=-P&NR#]NAJ#?E7,7/C?=DMN UY!;AW1+P9U]]<
M!V&ML2MK>]X&_0-W^_WD4':&[7D_&SP"4$L#!!0    ( .Z#_U M:_S8@@$
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M(\I)[(=YZ*'X/<8'D_UA!S>UWZ)UA]/+MWE>3H\E"\%F_U$L7]>%R*B>8:T
M$\S('P444$@PH)$,2!!B\[/UEK*F3L8F_A5.;PG4*Y%VJ+,;*3VL_&,0=6+=
M=^+([03T 1+Z'(9N,CW<N>@#SM6.2!]JZR[W\C\TS+Y<9^GZ&!#G-)1:2D!,
MJ0UP$/JF\A8!T))#%'%,%&Y=>6\;'YN\*WQ>!=#Y_-0.<8?%W(>.$XO8@0DG
MZ3:YW$.R.R8'DVJ3,YL2;6S3<]O'EVQ1L-E_DYOJV30L%I$?Q@&@/*@>D1T
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M)'XS1275?.%Q[)$WO1-'LZP9904HK\-&@SC<.WRQ#NQ[/;AWJN9U'-6ZH2.
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M'\!,I:O(*;/L1[)9LW#1;G058 X6!^WM"%[\@L"^Y"F5I^-^PY9]G,5T/&"
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MP*5 5!6B>2@^H_+)2 W@#PF"25 BQ"[\K-*T$C\;,M2.OX R#Q%>!)_R?'#
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M^L+1?X-*LQ8H+Y4,64/U$S1$JHQ*X):B%?7C+XRI8"KV!OLA]H+U E/NI_B
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M5,_H5GC \%G9THB)V"2;3P"AF%$XT,V,,H3X!;08, DEM/ Z-8MWRMT?U[#
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M,C R,# W,CDN:'1M4$L! A0#%     @ [H/_4'2703"* @  C@D  !
M         ( !]AL  &-F<BTR,#(P,#<R.2YX<V102P$"% ,4    " #N@_]0
M+6O\V((!  #? @  %               @ &N'@  8V9R+3(P,C P-S(Y7V-A
M;"YX;6Q02P$"% ,4    " #N@_]0JF2Q&B4(   W.P  %
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;<RYH=&U02P4&      < !P#, 0  RFP

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
