Employee Banking Perks

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					            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 mortgagehelp@bbvacompass.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 mortgagehelp@bbvacompass.com 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
                  mortgagehelp@bbvacompass.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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