BBVA Compass

Mobile Transfer Outside Bank Service Addendum

This Mobile Transfer Outside Bank Service Addendum (this “Addendum”) applies to the consumer ACH payment service (this “Service”), which is part of the Mobile Banking Service offered through BBVA Compass Mobile Banking. You may use this Service to send payments via the Automated Clearing House network (“ACH”) to a deposit account that you do not own, which is held at a financial institution other than BBVA Compass. You may request the Service and designate certain types of consumer BBVA Compass Mobile Accounts, including checking, savings and certain money market accounts, from which these payments will be made (the “ACH Account”).

This Addendum incorporates: (a) the designations and other information you provide in each ACH Request Form you complete and submit; (b) any instructions or additional information that may be provided to you regarding the Service by us or through the Mobile Banking Service; and (c) the Entry Settlement Limit that we may separately communicate to you. Unless otherwise defined in this Addendum or the BBVA Compass Mobile Banking Terms of Use (“Terms of Use”), all capitalized terms shall have the meaning given to them in the NACHA Operating Rules and Guidelines. This Addendum covers only ACH credit entries (which are transfers from your account to third party’s account), and does not apply to the processing and transmission of ACH debit files, batches or items or other ACH credit entries, which may not be initiated under this Addendum. This Addendum shall be considered as part of the Terms of Use and applies specifically to the Service available to you under this Addendum.

Your use of the Service constitutes your acceptance of this Addendum. This Addendum is subject to change from time to time. We will notify you of any material change as provided in the Terms of Use. We reserve the right, in our sole discretion, to add services, eliminate services, or otherwise modify the terms or features of any service. Any change will begin to apply upon the effective date of the change, and will apply only to your future use of the Service. Your continued use of the Service will indicate your acceptance of any such changes to the Service.

Definitions:

Terms and Conditions:

You may make payments via ACH through the Service, subject to the following restrictions and conditions:

A Spanish version of this document is available as a courtesy to our clients who use Spanish as their primary language. Although Compass Bank has taken every precaution possible to translate the original document correctly, the Spanish translation is only a courtesy to our clients. Please take note that all official documents from Compass Bank will be in English only. Please visit: http://www.bbvacompass.com/mobile-banking/terms/es/ach.html to view the Spanish version.

BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC.

Rev. 07/13