Build-to-Order Checking
Account Disclosure - San Antonio, Texas

PLEASE RETAIN A COPY OF THIS DISCLOSURE FOR FUTURE REFERENCE.

Standard Benefits/Requirements

• Requires $25 minimum deposit to open.
• Checks posted to the account are not returned in the monthly statement, but photocopies are available. Charges for photocopies are $3.00 per posted item.
• An image statement is available for a service charge of $3.00 per month. An image statement includes reduced pictures of cancelled checks in numerical order. The paper copies of cancelled checks will not be returned in the statement for this account.
• Free safekeeping of checks.

Definitions

• Account Anniversary: The Account Anniversary is the month and day you opened your Build-to-Order Checking account or convert to a Build-to-Order Checking account.
• Feature Year: This is a period of twelve statement cycles between Account Anniversaries, beginning with the statement cycle in which the Account Anniversary falls. Certain Premium Features may be tied to the Feature Year. Please see the description of Premium Features below.
• Premium Features: These are the additional features you can select to customize your Build-to-Order Checking account, and they are listed below.

Premium Features: Select 2 Premium Features at no charge. (See charges for additional features below).

• No fee for using another bank's ATM

• Rebate of ATM fees that other banks charge
  In order to receive rebate, ATM receipts showing ATM fees or account statements showing ISF fees must be mailed within 90 calendar days of the ATM transaction to Compass Bank . Rebate will be directly deposited into the checking account within 10 business days of receipt. Compass does not rebate International Service Fees for Point of Sale transactions (for example, purchases from a foreign merchant using your Check Card).

• Interest on your checking balances
  If you select this feature, the following terms apply:
  The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the daily collected balance in the account each day.  Interest on deposits begins to accrue no later than the business day on which we receive credit for the deposit. Accrued interest is credited to the balance in the account on the last day of the statement cycle. Accrued interest that is credited to the balance in the account begins to earn interest no later than the next business day and compounds with each statement cycle. Statement cycles are generally monthly, unless otherwise disclosed.  If you close your account or convert your account to a non-interest earning account before accrued interest, if any, is credited, you will not receive the accrued interest.  A taxpayer identification number will be required to earn interest on these accounts.

• Cash Bonus on your account anniversary (up to $25)
• This bonus must be selected for twelve consecutive statement cycles and the account must be active each of those twelve consecutive statement cycles to receive the full $25 bonus. A portion of this bonus (approximately $2.08) is accrued for each statement cycle in which the feature is selected and your account is active. An "active" statement cycle for purposes of this bonus is a statement cycle in which there is at least 1 customer-initiated deposit or withdrawal during the statement cycle. If there is no deposit or withdrawal during the first statement cycle, which can be less than 30 days, the bonus will not be accrued for that first statement cycle.
• Build-to-Order Checking Account must be open on the Account Anniversary for this feature to be paid. If the Build-to-Order Checking Account is closed before the Account Anniversary, the cash bonus accrued to that point will not be paid.
• Bonus will be paid on the Account Anniversary. (If the Anniversary Date falls on a holiday, weekend or non-processing day, the bonus will be paid the next processing day.) Bonus is paid only from time of the most recent selection of the bonus feature, meaning the pro-rated feature will be paid only for the period in which the feature is selected consecutively up to the Account Anniversary. If the cash bonus feature is selected at account opening and subsequently de-selected prior to the Account Anniversary the cash bonus accrued prior to the de-selection of the feature will not be paid. Cash bonus will be directly deposited into the Build-to-Order Checking Account. Bonus may be subject to IRS tax reporting.
• Limit 2 bonus features per customer.

• Double CompassPoints^®
  CompassPoints^® program enrollment required. Matching points will be credited to your CompassPoints^® account no later than one week (seven calendar days) from the posting date of BBVA Compass Consumer and Business Check Card transactions. CompassPoints^® accrue at a rate of one point for every four dollars of net signature-based retail purchases with your BBVA Compass Consumer and Business Check Card. A "Qualifying Purchase" is any signature-based purchase, Internet purchase, phone or mail order purchase, bill payment, contactless purchase (purchase made by holding your BBVA Compass Visa^® Card or other device up to a secure reader instead of swiping your card), or small-dollar purchase for which you are not required to sign, made with your BBVA Compass Visa Card, that is processed or submitted through the Visa^® U.S.A. Inc. payment system. A Qualifying Purchase does not include a purchase made using a Personal Identification Number (PIN). PIN-based purchases include purchases you initiate through identification technology that substitutes for a PIN. Additional restrictions apply. For more information on qualifying purchases see CompassPoints^® program terms and conditions. We reserve the right to determine, in our sole discretion, whether a particular BBVA Compass Visa^® Card transaction is a Qualifying Purchase. Points only accumulate on Qualifying Purchases.  When merchandise purchased with your BBVA Compass Credit or Check Card is returned, the account credit will result in a reduction of CompassPoints^®.

• Cash Back on Visa Check Card transactions
• Available for the primary Check Card for the account only. Earn cash back on Qualifying Check Card Purchases* routed through Visa. *See "Double CompassPoints" for Qualifying Purchase definition.
• $0.05 will be earned for every signature-based purchase (excluding teller cash disbursements and merchant authorizations that are not completed.).
• In addition, $0.05 will be earned for every two PIN-based purchases (excluding cash transactions, ATM transactions, quasi-cash transactions, payments made for pre-paid or re-loadable cards such as certain gift cards, Visa Buxx and similar cards, transactions conducted at Global Access Cash Terminals and pre-authorizations for transactions).
• Returns or debits of a Visa Check Card charge will be deducted from the cash calculation.
• Cash back rewards will be credited at the end of the statement cycle for the Build-to-Order Checking Account linked to the primary check card. The posting date for a qualifying transaction will determine the date of the transaction for purposes of this feature. Credits for the net purchase activity will be made at the end of the cycle period. If the Build-to-Order Checking Account is closed, the cash back rewards accrued in the current statement cycle will not be paid.

• One Overdraft Fee (NSF Charge) Forgiveness per year
  Applies to one NSF Charge-Paid Item or one NSF Charge-Returned Item (see "Miscellaneous Fees"). The Overdraft Fee (NSF Charge) Forgiveness Feature must be redeemed during your anniversary year in which this feature is selected or it will be forfeited; this feature does not accrue or carry forward into subsequent years. Once you redeem this feature it will remain a selected feature until the Account Anniversary. You may cancel this feature after the Account Anniversary before you redeem it in the next Anniversary Year. If you select other features during the year, and have redeemed the Fee Forgiveness feature, they will be in addition to this feature. This feature may not be used for forgiveness of Extended Overdraft Service Charges.
  
  The following chart shows the annual percentage yield and interest rate effective as of January 2009. At our discretion, we may change the interest rate for your account at any time. To obtain current rate information, contact us at 1-800-COMPASS.




Build-to-Order Checking
Daily Collected Balance	Interest Rate	Annual Percentage Yield
$75,000 and above	0.100%	0.10%
$25,000 - $74,999	0.050%	0.05%
$10,000 - $24,999	0.050%	0.05%
$2,000 - $9,999	0.050%	0.05%
$0 - $1,999	0.050%	0.05%




AS REQUIRED BY FEDERAL LAW, COMPASS RESERVES THE RIGHT TO REQUIRE AT LEAST SEVEN (7) DAYS NOTICE PRIOR TO WITHDRAWAL OR TRANSFER OF FUNDS FROM ANY INTEREST EARNING ACCOUNT

• Pricing:
• Two features provided free of charge.
• Additional features may be selected for an "Add-On Benefit Charge" of $2.00 each. ("Add-On Benefit Charge" will be the description on your monthly account statement.) For example, if five features are chosen, the account will be charged an "Add-On Benefit Charge" of $ 6 per month.
• The "Add-On Benefit Charge" will reflect the highest number of features selected during the given statement cycle, regardless of the number of days the features were in effect. The "Add-On Benefit Charge" will be incurred on the day the statement is generated.
• The features selected at 8:00 pm/CST at the end of a banking day will be the features given for that day. (Example: If double points are selected at 10:00 am, card is used during the day, and double points is changed to Interest in the evening of the same day, double points will NOT be awarded; rather the account will have Interest as the feature.)
• Note: Features are calculated based on statement cycle, not month.

FDIC Transaction Account Guarantee Program
Compass Bank is participating in the FDIC's Transaction Account Guarantee Program (the "Program"). Under the Program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. If you have a transfer or sweep of funds from a noninterest-bearing transaction account to an interest-bearing account (that does not qualify under the Program), the transferred funds will not be covered under the Program. However, any funds swept or transferred into an interest-bearing deposit account will be added to funds already in that account and will be insured up to $250,000, through December 31, 2013, under the FDIC's general deposit insurance rules.

Miscellaneous Fees and Charges

OTHER SERVICE CHARGES APPLICABLE TO ALL CONSUMER ACCOUNTS

NOTE: The above noted fees and service charges are not set bank-wide. These prices are driven by the competition in your local market.

AS REQUIRED BY FEDERAL LAW, COMPASS BANK RESERVES THE RIGHT TO REQUIRE AT LEAST SEVEN (7) DAYS NOTICE PRIOR TO WITHDRAWAL OR TRANSFER OF FUNDS FROM ANY INTEREST EARNING ACCOUNT.

Rev. 12/09