Employee Banking Perks 4U... from HR :) Passion for people Employee Banking Perks: Building Better Banking Solutions for You At BBVA Compass, we are passionate about our people and committed to finding solutions for you. We are pleased to offer a suite of banking products and services with enhancements designed specifically for our employees. Table of Contents 3 Mortgage Financing Conforming Fixed Rate Mortgage • Jumbo Fixed Rate Mortgage • 5/1 Adjustable Rate Mortgage • One Time Close Construction Loan • BBVA Compass Mortgage Loan Modification 7 Consumer Loans Consumer Installment Loans (Home Equity, Home Improvement, Boat, Stock/Bond, CD-secured, Unsecured) • Auto Loans • Home Equity Lines of Credit (HELOCs) • Overdraft Protection Lines of Credit 9 Home and Auto Insurance 10 BBVA Compass ClearPointsSM Credit Card 11 Double CompassPoints® 12 Consumer Deposit Products Checking Accounts • Check Cards • Savings Accounts • Overdraft Protection Savings Sweep • Wire Transfers 14 CompassPlus® 17 Wealth Management and Brokerage Services 18 Other Benefits and Employee Banking Perks Contacts Employees that do not meet the requirements applicable to a particular product or service may qualify for the product or service with standard customer pricing and rewards. 2 Revised November 2010 Mortgage Financing Eligibility for Discounted Mortgage and Consumer Loan Rates Under the terms of the Employee Banking Perks program, full-time and part-time BBVA Compass employees who have been with the bank for 12 months are eligible for discounted loan rates. Contractors, including temporary employees, are not eligible. Retirees may retain loan rate discounts that they obtained during their period of employment with BBVA Compass, but they may not apply for new loans at employee discounted rates. Employees may not combine employee loan program discounts with any other loan offer, discount, promotional incentive or campaign available to all BBVA Compass customers, unless otherwise stated. Employees of Bancomer Transfer Services and BBVA Compass’ U.S.-based subsidiaries, including BBVA Compass Investment Solutions, Inc.; BBVA Compass Insurance Agency, Inc.; BBVA Consulting and Benefits, Inc.; BBVA Wealth Solutions, Inc.; St. Johns Investment Management Company; and Capital Investment Counsel, Inc. are also eligible for the banking perks. Employees in Foreign National status residing in the United States are eligible to participate in the program. Mortgage Financing We’ve designed the employee mortgage program to help you save. Under the program, you’ll receive reduced lender fees, no mortgage insurance requirement and a discounted interest rate. Whether you’re searching for your new home or trying to determine if now is a Important Links good time to refinance, our mortgage calculators may be able to help. Click here to see our current rates.* Documents required for application In order to take advantage of BBVA Compass’ Employee Banking Perks related to mortgage financing, prior to applying you must: To apply for a BBVA Compass checking account: • Be a current employee of BBVA Compass, one of its subsidiaries or Bancomer Transfer https://apply.compassbank.com/ Services, and have been employed by BBVA Compass, one of its subsidiaries or jsp/oao/relc/cashedge/oao_index. Bancomer Transfer Services for at least one year prior to submitting an application; jsp?homeid=99992072 • Have a BBVA Compass checking account; (If you do not have a BBVA Compass checking account and would like to apply for one, click here.) To download an Employee Salary • Have direct deposit of your paycheck into your BBVA Compass checking account; (If you Payment Authorization form from do not currently have your payroll check direct deposited, click here to go to the HR Forms the HR Forms page of the Intranet: page on the Intranet, then click “Employee Salary Payment Authorization Form.”) http://www.bbvacompassexperi- AND ence.com/enterprise.srt/ • If your loan is approved, loan payments must be made by auto-debit from your BBVA Departments/payroll/index.jsp Compass checking account.** 3 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Mortgage Financing General Program Benefits Include: • Interest rate discount • No mortgage insurance • No standard processing fee • No standard underwriting fee Conforming Fixed Rate Mortgage • Fixed rate terms of 15 and 30 years • Minimum down payment of 5% • Maximum loan amount of $417,000 • Primary residences only Jumbo Fixed Rate Mortgage • Fixed rate terms of 15 and 30 years • Minimum down payment of 20% • Available for loan amounts over $417,000 and up to $5 million • Primary residences only 5/1 Adjustable Rate Mortgage • Amortization terms of 15 and 30 years • Down Payment Requirements Up to $350,000 – 5% down payment From $350,001 to $417,000 – 10% down payment From $417,001 to $800,000 – 20% down payment From $800,001 to $1,000,000 – 25% down payment • Primary residences only One Time Close Construction Loan • Construction phases of 6, 9, 12, 18 and 24 months • Permanent phase is 5/1 ARM with 30 year amortization term • Down payment requirements are the same as the 5/1 adjustable rate mortgage • Maximum loan amount is $1,000,000 • Primary residences only 4 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Mortgage Financing BBVA Compass Mortgage Loan Modification If you have had an existing mortgage with BBVA Compass for at least 12 months and meet all qualifying criteria under the employee mortgage loan program, you may be eligible for a modification to transition your loan to the discounted employee rate without completing the full application process. The following conditions apply: • You must be the primary borrower on the mortgage loan • The loan must be for your primary residence • Your account must be current (your payments must be up-to-date) • Your existing term (length of mortgage loan) will remain the same • You can only modify to or from one of the eligible employee mortgage products. You cannot receive cash out, consolidate debt (second mortgages, etc.) or roll fees into the loan amount *The employee loan program is only • If not already set up on auto-debit, you must agree to have payments on the loan made by available on new loan applications for the purchase or refinance of a auto-debit primary residence located within • You are limited to one rate modification during the life of your loan, and all terms of your the BBVA Compass footprint. All loan, outside of the rate, remain the same loans under the program are subject to eligibility, loan program • Other restrictions and conditions apply requirements and approval, including credit approval. Rates and terms subject to change without notice. If you have a mortgage loan with BBVA Compass on your primary residence and would like to Employee must be listed as the pursue a loan modification, do not apply online. Instead, contact a Mortgage Loan Specialist primary borrower on the mortgage application in order to receive by e-mail at email@example.com or at 866.360.0032. employee discounts. Employees may not combine employee loan program discounts with any other loan offer, discount, promotional Employees Interested in Pre-qualification incentive or campaign available to all BBVA Compass customers, unless otherwise stated. In some cases, you may want to know the loan amount for which you can qualify even though you don’t yet have a specific property in mind. The rate cannot be locked in without a property **In addition to standard loan documentation, employees (and address, so employees interested in pre-qualifying should go directly to a Mortgage Banking any co-borrowers) must execute Officer (MBO) instead of applying via the Online Mortgage Application. Click here to find an an auto-debit loan payment authorization form. This form MBO in your area. If you obtain a pre-qualification from an MBO, you must return to the MBO to authorizes BBVA Compass to complete the transaction. automatically debit loan payments (when due) from the employee’s account with BBVA Compass. For more information about the employee mortgage program, please contact the Mortgage Help Desk at firstname.lastname@example.org or 866.360.0032. Employees that do not meet the requirements applicable to a particular product or service may To ensure that the increased mortgage demand can be met, all employee mortgage rates will be qualify for the product or service with standard customer pricing and locked for 90 days and the time needed to process your application may be extended beyond the rewards. normal 45-day schedule. This information is intended for informational purposes only and is not intended to be a consumer loan advertisement or solicitation. BBVA Compass is a trade name of Compass Bank. 5 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Mortgage Financing Important Links To Apply To apply for a BBVA Compass Prior to applying, it is important to gather all the documents that will be required. See the checking account: https:// application check list at www.bbvacompass.com/go/employeemortgagechecklist for the apply.compassbank.com/jsp/ documents that you will need. When you are ready to apply and all requirements have been oao/relc/cashedge/oao_index. met, please go to www.bbvacompass.com/mortgages/employeesonly to submit your loan jsp?homeid=99992072 request online. Please do not submit your loan application at a banking center. The Employee To download an Employee Banking Perks program was designed to provide employees the utmost privacy and efficiency Salary Payment Authorization in submitting loan applications, and this online option provides a streamlined application and Form from the HR Forms page underwriting process. of the Intranet: http://www. bbvacompassexperience.com/ enterprise.srt/Departments/ payroll/index.jsp Mortgage calculators: www. bbvacompass.com/go/ mortgagecalc Mortgage rates: www.bbvacompass.com/go/ employeemortgage To locate a Mortgage Banking Officer (MBO): http://www. bbvacompassexperience.com/ enterprise.srt/Departments/ compassFinancialServices/ mortgageFinancialServices/ contactList.jsp Mortgage application checklist: http://www.bbvacompass.com/ go/employeemortgagechecklist Mortgage application: http:// www.bbvacompass.com/ mortgages/employeesonly 6 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Consumer Loans To apply for a loan after pre- In order to take full advantage of BBVA Compass’ Employee Banking Perks related to application requirements have consumer loans, prior to applying you must: been met: • Have been employed at BBVA Compass, one of its subsidiaries or Bancomer Transfer https://www.bbvacompass.com/ Services for 12 months or more appforms/ILA/?employer= • Possess a BBVA Compass checking account (If you do not have a BBVA Compass BBVACompass checking account and would like to apply for one, click here.) • Have electronic direct deposit of your paycheck into your BBVA Compass checking account (If you do not currently have your payroll check direct deposited, click here to go to the HR Forms page of the Intranet, and click on “Employee Salary Payment Authorization Form.”) AND • If your loan is approved, loan payments must be made by auto debit from your BBVA Compass checking account * Loan Terms: Offer subject to It’s a good idea to review your credit report prior to applying, and you may request a free approval, including credit approval, credit report one time annually at www.annualcreditreport.com, the official web site created and collateral requirements. You must meet standard BBVA Compass by the three nationwide consumer credit reporting companies to help consumers request and credit underwriting requirements, obtain a free credit report once every 12 months. It will not provide your credit score, but you approve payroll direct deposit into a BBVA Compass checking account, can review your credit history (student loans, cars, credit cards, mortgages, etc.) for accuracy, and have been an active employee at BBVA Compass, one of its view your current outstanding credit obligations and curb any fraudulent activity or identity theft. subsidiaries or Bancomer Transfer Services for 12 months or more to qualify. If your loan is approved, An overview of the products and discounts available to you is below. If you would like more loan payments must be made by information, please call 205.238.2505, or email CLCHelp@bbvacompass.com. When you are auto-debit from your BBVA Compass checking account. Employee ready to apply and all pre-application requirements listed above have been met, please must be listed as the primary click here. Once you have applied, a Client Liaison will contact you to let you know what borrower on the loan. Employees may not combine employee loan supporting documentation you need to provide. program discounts with any other loan offer, discount, promotional incentive or campaign available Consumer Installment Loans to all BBVA Compass customers, With an Installment Loan, you can get the money you need for the things you want, like home unless otherwise stated. Offered rate applies to loans in amounts of improvements, cars, boats or an RV. You can also get quick approval, manageable payments $5,000 or more. Payment Example: A 60-month fixed-rate loan for and – as an employee – a discount off of the BBVA Compass posted rate on our applicable $15,000 with an APR of 5.49% consumer installment loans. This offer applies both to new loans as well as the refinance of an would have 60 monthly payments of $286.45 each. Offered rate is 4.99% existing consumer installment loan. APR for new autos and 5.49% APR for used autos. Current posted loan APRs include a 1.00% discount Auto Loans for automatic loan payment from a Simplify the auto-buying and refinance process with an employee Auto Loan from BBVA BBVA Compass checking account. BBVA Compass checking account Compass. You won’t have to haggle with a car dealer, and you can count on a quick loan must be opened prior to the loan decision. BBVA Compass currently offers a discounted rate of 4.99% APR on new autos and being finalized in order to be eligible for auto-debit discount. In the event 5.49% APR on used autos (with a $5,000 minimum and maximum of 72-month term).* (New you discontinue auto-debit from your and used car rates are available as of 10/20/10 and are subject to change without notice.) BBVA Compass account, the interest rate on your loan may be increased by 1.00%. Example: a loan with a rate of 5.49% APR would be Additionally, if you’re approved, you will have the opportunity to request a free, no-obligation increased to 6.49% APR. Rates and quote on auto insurance. terms are subject to change without notice. BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC. Employees that do not meet the requirements applicable to a particular product or service may qualify for the product or service with standard customer pricing and rewards. 7 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Consumer Loans * Tax Benefits: Consult your tax Home Equity, Home Improvement, Boat, RV, Stock/Bond, CD-secured and Unsecured advisor regarding deductibility of interest. Loans *** Home Equity Lines of Credit: A Home Equity Loan or Home Improvement Loan on your primary residence is a great way Your APR will vary based on The Wall Street Journal U.S. Prime to borrow because you can potentially save money on your taxes*, too. As an employee, Rate. Maximum APR not to exceed you won’t pay closing costs on most loans and with the Home Equity you can use the 18.00%. The APR reflects a discounted rate of Prime + 0% or money for just about anything you want – from home improvements, to taking a vacation, to the rate floor (4.00% as of November consolidating existing high-rate debt. Plus, just as with our other consumer installment loans, 1, 2010), whichever is higher. Interest rates do not include costs other you are entitled to a 1% discount off of the current applicable posted rate on our Home than interest. Loan Terms: You must meet standard BBVA Compass Equity and Home Improvement Loans!** credit underwriting requirements, approve payroll direct deposit into a BBVA Compass checking Our Boat, RV, Stock/Bond, CD-secured and Unsecured loans provide you the stability of account, and have been an active a fixed monthly payment and the benefit of a 1% discount off of the current applicable employee at BBVA Compass, one of its subsidiaries or Bancomer posted rate. Transfer Services for 12 months or more to qualify for the discounted * Tax Benefits: Consult your tax advisor regarding the deductibility of interest. rate. If your loan is approved, ** Loan Terms: You must meet standard BBVA Compass credit underwriting requirements, approve payroll direct loan payments must be made by deposit into a BBVA Compass checking account, and have been an active employee at BBVA Compass, one of its auto-debit from your BBVA Compass subsidiaries or Bancomer Transfer Services for 12 months or more to qualify. If your loan is approved, loan payments checking account. Employee must must be made by auto-debit from your BBVA Compass checking account. Employee must be listed as the primary be listed as the primary borrower borrower on the loan. Employees may not combine employee loan program discounts with any other loan offer, discount, on the loan. Employees may not promotional incentive or campaign available to all BBVA Compass customers, unless otherwise stated. Current posted combine employee loan program loan APRs include a 1.00% discount for automatic loan payment from a BBVA Compass checking account. BBVA discounts with any other loan offer, Compass checking account must be opened prior to the loan being finalized in order to be eligible for auto-debit discount, promotional incentive discount. In the event you discontinue auto-debit from your BBVA Compass account, the interest rate on your loan may or campaign available to all BBVA be increased by 1.00%. Example: a loan with a rate of 5.49% APR would be increased to 6.49% APR. Rates and terms Compass customers, unless are subject to change without notice. Offer subject to approval, including credit approval, and collateral requirements. otherwise stated. Rates and terms Home Equity Loans: Minimum loan amount is $10,000, maximum repayment period is 30. Manufactured homes are are subject to change without notice. not eligible. Property insurance is required, including flood insurance, where applicable. Maximum combined loans to Offer subject to approval, including appraised value cannot exceed 90% in AL, CO and NM; 85% in AZ, FL and CA; and 80% in TX. Maximum LTV may be credit approval, and collateral lower for some properties. For current rate information, click here requirements. BBVA Compass must (http://www.compassway.com/enterprise.srt/Departments/consumerlending/toolkit/salespage1.jsp). Current posted loan receive a valid first or second real APRs include a 1.00% discount for automatic loan payment from a BBVA Compass checking account. Closing Costs: estate lien on a primary residence Any closing costs paid by lender will be recovered from borrower if loan is paid in full within two years of loan closing occupied by the borrower. Offer where allowed by law. does not include manufactured homes or Equity Optimizers secured by purchase money mortgages. Home Equity Lines of Credit Property insurance required including flood insurance where HELOCs or “Equity Optimizers” applicable. Maximum combined loans to appraised value cannot The Equity Optimizer Line of Credit helps make those really big steps in life — like home exceed 90% in AL, CO and NM; improvements or consolidating debt — a lot easier. The benefits of a line of credit include 85% in AZ, FL and CA; and 80% in TX. In Texas, combined loan to value potentially tax-deductible interest* and no application fees. In addition, you have the is limited to a maximum of 80% or built-in flexibility of locking in up to three portions of your line balance at a fixed low rate. 50% of the collateral property value for a Home Equity Line of Credit. Minimum line amount is $10,000. And, as an employee, you get all of that PLUS no annual fee and no closing costs on an $75 fee for each fixed-rate option ($0 in TX, waived for first transaction). Equity Optimizer Line of Credit secured by your primary residence. And that’s not all … on new lines of credit you also qualify for the discounted rate of 4% APR or Wall Street Journal Employees that do not meet the requirements applicable to a Prime + 0%, whichever is higher. As of 11/1/10, Wall Street Journal Prime rate is 3.25%.*** particular product or service may qualify for the product or service with standard customer pricing and Overdraft Protection Line of Credit rewards. Overdraft protection benefits for employees include: A special 12% APR and no transfer fees. Employees can apply for the Overdraft Protection Line of Credit by visiting a branch and completing a paper take-one application. The branch will then fax the completed application to 205.297.6790 or e-mail it to CreditCardConsumerApplicationDataEntry@bbvacompass.com via Lightning Fax. 8 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Home and Auto Insurance Best Rates on Home and Auto Insurance Employees can access competitive rates on home and auto insurance through BBVA Compass Insurance Agency, Inc. For a free, no-obligation insurance quote: 1. Go to http://insurancereferral.compassway.com/login.aspx. 2. Log in using your Employee Number and last four digits of your Social Security Number. 3. Click on ‘Enter New Referral’ at the top of the page, and enter your contact information and information on the type of insurance product you are interested in. Click ‘Submit.’ 4. Referrals from this system are sent directly to BBVA Compass Insurance Agency, and users will be contacted by an agency representative within 24 hours of submitting requests. 5. BBVA Compass Insurance Agency will gather your information, assess your needs and compile comparative quotes from multiple carriers in order to get you the best rates possible. If your loan is set to close within 24 hours and you’d like quicker access to an insurance quote, you may call 800.352.8808 Monday through Friday from 7:30 a.m. to 5 p.m. MST to speak with an agency representative immediately. In addition to researching the best rate in your market, this insurance program also offers you these advantages: • The convenience of payroll or checking account deduction • Discounts for safe drivers, for insuring two or more cars, and for having safety features such as automatic seatbelts and/or air bags • Access to friendly insurance professionals for claims and customer service You are not required to use BBVA Compass Insurance Agency or any particular insurance carrier in providing required insurance coverage. Your choice of agency or insurance carrier will have no impact on your credit application. 9 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. BBVA Compass ClearPointsSM Credit Card *Service provided by Visa® At a time when APR hikes, complicated terms and hidden fees are rampant, credit card ** APR for Purchases: Prime + 2%, holders are more eager than ever for a card that offers them clear, straightforward and 5.25% as of November 1, 2010. APR for cash advances: Prime easy-to-understand features. That’s why we are pleased to offer our employees the + 4%, 7.25% as of November 1, opportunity to apply for the BBVA Compass ClearPointsSM credit card* – a clear and simple 2010. APR for balance transfers: Introductory APR of 3.99% for 12 alternative to the competition. months if requested within 30 days from date of account opening with a balance transfer fee of $10 or The BBVA Compass ClearPointsSM employee credit card** is loaded with features*** and 4% of the amount of each transfer flexibility: whichever is greater capped at $99. The standard balance transfer • No annual fee APR of Prime + 2%, 5.25% as of • A low variable APR of Prime + 2% for purchases (5.25% as of November 1, 2010) November 1, 2010, will apply after • A low variable APR of Prime + 4% for cash advances (7.25% as of November 1, 2010) expiration of the promotional period. This APR will vary with the market • Introductory balance transfer APR of 3.99% for 12 months (subject to 4% fee capped based on the Prime Rate. ATM and at $99 if requested within 30 days from date of account opening†. The standard balance Teller Cash Advance Fees: Either $10 or 4% of the amount of each transfer APR of Prime + 2%, 5.25% as of November 1, 2010, will apply after expiration of cash advance whichever is greater. the12-month introductory period. This APR will vary with the market based on the Prime Convenience Check Fee: No Fee. Foreign Transaction Fees: 3% of Rate.) each transaction in U.S. dollars. • Double CompassPoints® *** You must maintain active BBVA employment to receive these • Credit bureau monitoring benefits. • ID theft coverage • E-mail alerts for credit limit and balance levels Plus, with the BBVA Compass ClearPointsSM credit card, you are automatically enrolled in the CompassPoints® program. With every qualifying purchase† made with the card, you’ll earn double reward points toward free gifts or travel rebates. To obtain employee pricing, employees must apply online at http://www.bbvacompass. com/go/employee/creditcard for a BBVA Compass ClearPointsSM credit card. The employee must be the primary cardholder on the account in order to receive employee benefits and discounts. Offer subject to approval, including credit approval. If you have a BBVA Compass credit card today, you may not be entitled to a second card. If you already have a BBVA Compass credit card and would like to convert to the employee rate and terms, send your name, address and last four digits of your credit card number to EmployeeCreditCard@ bbvacompass.com 10 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Double CompassPoints If you are currently receiving Through the CompassPoints® program, employees can earn double points for purchases double points with your debit of everyday items – just by using their BBVA Compass credit and debit cards. From gas card as a feature of Build-to- stations to grocery stores to restaurants, your credit and debit cards are accepted at millions Order Checking® or through of retailers worldwide. As a BBVA Compass employee, you can take advantage of the extra Preferred Client status, you benefit of receiving double points on qualifying purchases† – meaning you will earn rewards will continue to earn double twice as fast. CompassPoints® are redeemable for a wide range of rewards, including points through these name-brand merchandise, account credits, gift cards and travel options. programs and will not receive additional points due to your For more information on the CompassPoints® program and to see the rewards catalog, visit employee status. Since, as www.bbvacompass.com/rewards. an employee, you are automatically eligible to To earn points, simply use your BBVA Compass credit or debit card for signature based receive double points, you transactions. might consider choosing • With a BBVA Compass credit card, employees earn 1 point + 1 bonus point for every $1 in an additional free premium qualifying purchases feature as part of your • With a BBVA Compass debit card, employees earn 1 point + 1 bonus point for every $4 in Build-to-Order Checking® qualifying purchases (signature based transactions) account. For information or • There is no limit to the amount of points you can earn to make this update to your account status, visit Enrollment and Registration a banking center or call The following BBVA Compass credit cards are eligible for the CompassPoints® program and 1-800-COMPASS. are automatically enrolled in the program and begin earning points with your first purchase: Visa® Platinum, PLC and ClearPointsSM cards. The BBVA Compass Home Equity Line of Credit (“Equity Optimizer”) card and Optimizer Secured Card do not earn CompassPoints®. † A “Qualifying Purchase” is any signature-based purchase, Internet purchase, phone or mail order Debit cards must be enrolled in the program to begin earning points. To enroll your debit card, purchase, bill payment, contactless go to www.bbvacompass.com/rewards and click on “Click here to Register,” or call purchase, or small-dollar purchase for which you are not required to 1-87-REWARDS1 for assistance. Debit cards will not earn CompassPoints® until you have sign, made with your BBVA Compass enrolled your account online or called the rewards phone number to complete the Visa Credit Card, that is processed or submitted through the Visa U.S.A. registration process. Inc. payment system. Do not use a Personal Identification Number (PIN) when paying for your purchases with your BBVA Compass Visa Check Card if you want to receive rewards for such purchases. PIN-based purchases, payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us, payments made for payment instruments that can readily be converted to cash (such as Travelers Cheques, money orders, wire transfers, and similar products or services), or transactions that are not processed or submitted through the Visa U.S.A. Inc. payment system are not Qualifying Purchases. BBVA Compass is a trade name of Compass Bank, member FDIC, an 11 equal housing lender. Consumer Deposit Products Banking begins with the basics – checking and savings. By providing unparalleled convenience and discounts, BBVA Compass offers employees significant incentives for banking with us. In order to take advantage of BBVA Compass’ Consumer Deposit products as part of the Employee Banking Perks package, you must: • Be a current employee of BBVA Compass, one of its subsidiaries or Bancomer Transfer Services and • Possess a BBVA Compass checking account. There is no limit to the number of checking and savings accounts an employee may open. Employees must be listed as the primary account holder in order to receive employee discounts and benefits. Employee accounts must be designated appropriately (system type 053) to ensure all relevant benefits and discounts are applied. If you have questions about your account status, contact a banking center representative or call 1-800-COMPASS. Checking Accounts Build-to-Order Free Checking® With Build-to-Order Free Checking®, there is no monthly service charge and you are automatically eligible for double CompassPoints®, free online banking with bill pay and free access to the CompassPlus® entertainment and travel discount program. In addition, you can also choose two of the following premium features free of charge: • No fees for using foreign ATMs • Rebates of other banks’ ATM fees • Earn interest on your balance • 5 cents cash back rewards on check card purchases • $25 account anniversary bonus • One overdraft fee forgiveness refund per year Employee checks are free on their direct deposit checking account. Employees are entitled to FREE checks on BBVA Compass consumer checking accounts that are set up for payroll direct deposit. Checks, in any design of wallet, wallet duplicate, top stub or end stub, are provided at no charge for this account. Employees may also choose pride marks, initials, type styles and vinyl covers with their checks at no additional charge, for checking accounts that are set up for payroll direct deposit. Leather covers, value packs and check styles other than these listed may be ordered, but must be paid for by the employee. 12 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Consumer Deposit Products Check Cards You automatically qualify for a BBVA Compass Visa® Check Card. BBVA Compass Visa® Check Cards may be presented at banks and merchants worldwide displaying the Visa® logo. BBVA Compass Visa® Check Card transactions are automatically debited from your checking account (provided sufficient funds are available in the account). You are also eligible for a free personalized check card for each person on your account, regardless of product type. Savings Accounts The enhanced banking perks package offers employees the chance to open an unlimited number of Basic Savings accounts, with no monthly fees and no minimum balance requirements. Employee savings accounts must be opened as “Compass Employee Savings” accounts to receive these benefits. Employees also have the option to open a Build My Savings account. With Build My Savings, you can build an account that makes saving easy, as well as rewards you for sticking to your savings plan. You decide what you want to save for, and BBVA Compass will help you get there. Overdraft Protection Savings Sweep Overdraft Protection benefits for employees include: No transfer fee for Overdraft Protection Savings Sweeps for employees who have their BBVA Compass savings account linked to their BBVA Compass checking account for overdraft protection (provided sufficient funds are available in the account). To sign up for the Overdraft Protection Savings Sweep, inquire at any BBVA Compass banking center. Fees may be assessed at the end of the statement period but will be refunded to the employee upon request. To request a refund, speak with a banking center representative. Wire Transfers Wire transfers are a safe, cost-effective way to transfer funds, and fees for transfers are waived for employees. To initiate a transfer, visit any BBVA Compass banking center and speak with a representative. Fees may be assessed at the time of the transfer but will be refunded to the employee upon request. Checking and savings accounts, check card and overdraft protection subject to approval. This information is intended for informational purposes only and is not intended to be an advertisement or solicitation. 13 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. CompassPlus® When you have a BBVA Compass checking account, you have access to a whole world of advantages that extend beyond banking. Through the CompassPlus discounts and benefits package, you can save money on a wide range of products and services. And best of all, membership is FREE for employees. Join CompassPlus and start saving today! Financial Benefits Free CompassPlus Checks1 Exclusive wallet-style CompassPlus checks are available free of charge, or choose from a variety Ready to Enroll? of designer styles at a savings of up to 50%. Enroll in CompassPlus simply by Online Local Savings speaking with a banking center representative at any BBVA Save money at your favorite local merchants with thousands of online discounts. Enjoy savings on Compass branch. Be sure to recreation, dining, special attractions, auto and home services, clothing, merchandise and more. inform the representative that you are an employee in order Everyday Rebate Rewards to ensure that your account is Get rewarded simply for purchasing items you use every day. Save your receipts when you buy coded properly. groceries, clothing, pet supplies or eat a meal at a restaurant. At the end of every quarter, send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% back. The representative will provide you a CompassPlus Enrollment Kit containing a New Account Kit Cash Rewards2 booklet and a Benefit Request You can earn money just for shopping! Get money back by making purchases through the Cash Form. Fill out the Benefit Request Rewards website. Simply register your credit or debit card and start shopping. Cash rewards will Form and mail it to the indicated be automatically refunded to your registered card and visible on your monthly statement. address, using the provided enclosed envelope. You will be mailed all the remaining items you need to take advantage of Travel & Entertainment Benefits CompassPlus, including the Savers Club Book and coupons. Savers Club® Find savings on hotels, theme parks, car rentals, movie tickets, dining attractions and much more. NOTE: Although an online enrollment option is available Hotel Discounts for customers, employees are encouraged to enroll in person at Save up to 50% on room rates at thousands of participating hotels, motels and inns worldwide. a BBVA Compass branch so that their accounts are coded properly Travel and Leisure Discounts and ensure that all relevant Get discounted rates on car rentals, cruise lines, travel packages and much more. employee benefits will apply. Movie Theater Discounts If you have not yet enrolled in CompassPlus and have questions Save on tickets for major theater chains across the country. Tickets can be purchased either about enrollment or the program online or through the mail. in general, contact any BBVA Compass branch. Existing Theme Park and Recreation Discounts CompassPlus members with Receive discounted admission tickets to the nation’s premier theme parks, zoos, outdoor questions about CompassPlus adventures and ski attractions. benefits should contact the Member Service Center at 1.800.251.2311. 14 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. CompassPlus® Grocery Coupons4 Save money on your grocery bill each month without the hassle of clipping coupons. Select from a product list of approximately 1,000 items, and coupons will be mailed directly to you. Golf Discounts Enjoy savings on golf memberships through Golf Access. You’ll save up to 50% at participating 1 Free Checks. As an employee, your golf courses, resorts and driving ranges worldwide with your specially-priced Golf Access account must be coded properly and checks ordered with proper coding membership. to avoid shipping and handling charges and any applicable taxes for the free custom check style. 2 Cash Rewards. You must access Health Benefits the retailer’s link through the website provided and use the credit or debit card you have registered to RX AdvantageTM Prescription Drug Program* be eligible for rewards. Credit will Your Rx Advantage card gives you discount pricing on many prescription medications at be issued automatically to your registered card within 90 days from participating pharmacies nationwide. It also provides the added security of our prescription date of purchase. Participating drug monitoring program, which alerts your pharmacist to important information about your merchants may change at any time without notice. Certain restrictions prescriptions. and limitations may apply. 3 Card PatrolSM monitors per- NationsHealth Medical Supply Pharmacy* sonal information on the Internet by Save up to 15% off average retail prices of diabetes testing products, plus save time by having searching public databases and chat rooms. It is impossible to ensure all the supplies delivered right to your door. No shipping charges will be incurred for using this sources of information have been trusted mail-order service. Some restrictions apply. searched; therefore, your reports may not contain or apprise you of all of your personal information that may have been compromised. Mail Order Service* Save time and money with our mail order service. Order prescription medications you take on 4 Grocery Coupons. A processing fee will apply. You will receive extra an ongoing basis and have them delivered directly to you. coupons equivalent in face value to the processing fee. † BBVA Compass employees are Protection Benefits† not eligible for Accidental Death and Dismemberment Insurance or Identity Theft Insurance products Card PatrolSM3 offered to customers through CompassPlus. CardPatrolSM monitors cyberspace for your personal information, to help prevent identity theft and fraud from occurring. In the event that you do become a victim, you will receive support *Medical discounts are NOT insurance. from a personal caseworker who can guide you through the resolution process. Members who reside in Alaska, Arkansas, Colorado, Connecticut, Florida, Indiana, Kansas, Maryland, Mississippi, Missouri, Montana, Nevada, Ohio, Oklahoma, South Carolina, South Dakota and Tennessee should refer to the Membership Terms, Conditions and Disclosures included in the Membership Kit for important information regarding your medical discount benefits. CompassPlus non-financial benefits are provided by Financial Services Association, not Compass Bank. CompassPlus benefits are available to U.S. residents only. 15 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Wealth Management and Brokerage Services Wealth Management provides innovative private banking, trust, investment, brokerage1, and financial planning2 and insurance services3 to wealthy and affluent individuals with investable assets of $500,000 and above. The bulk of Wealth Management clients range from $500,000 to $20 million. Wealth Management is pleased to offer the following benefits to our employees: • Wealth Management offers particular expertise in the area of investments. SmartPath®, our tax-managed, highly customizable investment process, gives clients access to leading money managers as well as to attractive fixed income and alternative investments. Unlike traditional vehicles such as mutual funds, SmartPath tailors investment decisions to individual client needs. We are offering employees who qualify a 25 percent discount annually*, as well as a free portfolio review. • Our Trust and Fiduciary Services are designed to help clients better manage their assets, protect their wealth and provide support for family members in the event of death, disability or incapacity. Our Trust and Fiduciary department offers employees a 25 percent discount on the standard fee.* • BBVA Wealth Solutions, Inc. (BWS) provides our clients strategies to meet their financial planning and insurance needs. BWS offers retirement and education planning, insurance and risk management, executive stock option strategies and comprehensive financial planning. Employees will receive a 10 percent discount on the financial planning fee* and a free check-up for efficiency evaluation of current insurance policies.* • Personal and business lines of credit greater than $1 million* (same as Retail). 1 Brokerage Services Provided by BBVA Compass Investment * Must meet minimum Wealth Management qualification criteria. Solutions, Inc., a subsidiary of Compass Bank and a registered Broker-Dealer. Member FINRA and SIPC. 2 Financial Planning services offered Brokerage Services1 by BBVA Wealth Solutions, Inc., a subsidiary of Compass Bank, and a Registered Investment Advisor. As a BBVA Compass employee, you will receive a brokerage commission discount of up 3 Insurance Services offered by BBVA Compass Insurance Agency, Inc., a to 50% off of stock trades (subject to minimums). Through the enhanced Employee Banking subsidiary of Compass Bank and a Perks package, you can now also take advantage of a Free Financial Check-up each year licensed insurance agency. with a Personal Investment Officer (PIO). To schedule an appointment with a PIO, contact Securities and Insurance Products: your local branch or call the Broker Hotline in Birmingham at 800.239.1930, where you will be Are Not Deposits Are Not FDIC Insured directed to a PIO near you.* Are Not Bank Guaranteed May Lose Value Are Not Insured by any Federal * You must maintain active BBVA employment to receive these benefits. Government Agency 17 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender. Other Benefits and Employee Banking Perks Contacts Other Employee Banking Perks include: • Free Money Orders, Cashier’s Checks, Traveler’s Checks and American Express Gift Cheques* • Free stop payment and notary service* • Discounts on products and services with Dell™, Verizon®, AT&T®, Staples®, and other vendors* * You must maintain active BBVA employment to receive these benefits Employee Banking Perks Contacts If you need assistance with an existing personal checking or savings account, mortgage loan, consumer loan or BBVA Compass ClearPoints credit card, or if you have questions about a new product or service, the Employee Banking Call Center is here to help. A dedicated team of customer service and telephone banking representatives is available to offer personalized customer assistance to meet employees’ banking needs. 1.877.598.7098 • 8 a.m. - 6 p.m. (CST) • Monday - Friday For assistance with loans that have not yet closed, contact the Consumer Loan Help Desk at CLCHelp@bbvacompass.com or 205.238.2505, or the Mortgage Help Desk at email@example.com or 1.866.360.0032. To apply for a new loan, product or service, access the online applications on the Employee Banking Perks Intranet page. 18 15 BBVA Compass is a trade name of Compass Bank, member FDIC, an equal housing lender.
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