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Agreement and Disclosure Statement for Compass PC^®
with Microsoft Money^®, Quicken^® or CompassPC via the Web^®

Please read this Agreement and Disclosure for CompassPC^® (this "Agreement") carefully and keep it for your records. It contains the terms and conditions under which a customer of Compass Bank (the "Bank") may subscribe to and use the services available through the Compass PC program ("CompassPC"). In this Agreement, "you" refers to any account holder who has requested the Bank to include its account within a subscription to CompassPC.

1. Use of CompassPC. You should read this Agreement, which contains the terms and conditions of CompassPC, and instructional material provided with the software or server through which you will access CompassPC before using CompassPC. If you use CompassPC, or permit another to access your accounts with the Bank through CompassPC, you agree to the terms and conditions stated in this Agreement. The terms and conditions in this Agreement are in addition to and cumulative with any account agreement you have with the Bank (an "Account Agreement"). In the event of a conflict between this Agreement and any Account Agreement, the terms of this Agreement will apply.

2. Computer Requirements. You will need Internet access, a computer and related equipment as required by the Software or Server you will use to access CompassPC. In this Agreement, your computer and the related equipment are referred to together as your "Computer"; the software is referred to as the "Software"; the server or remote server accessed via your Internet browser is referred to as the "Server". You are responsible for the installation, maintenance and operation of your Computer and the Software. The Bank is not responsible for any errors, failures or malfunctions of your Computer or the Software, and the Bank is not responsible for any computer virus or related problems that may be associated with the use of an on-line system. In the event of any conflict between this Agreement and any instructional material provided with the Software or Server regarding the Bank’s obligations to you, the terms of this Agreement will apply.

3. PC Banking Accounts. Any subscription to CompassPC under this Agreement must include at least one checking account, savings account or money market account with the Bank. This account and all other accounts included within a subscription to CompassPC are subject to this Agreement and are called "PC banking accounts." A PC banking account may be either a consumer account or a commercial account. A "consumer account" is an account established primarily for personal, family or household purposes. A "commercial account" is an account established primarily for purposes other than personal, family or household use. Your representation on the application for this subscription to CompassPC that an account is a commercial account is binding and conclusively establishes the non-consumer nature of the account. The following types of accounts may be PC banking accounts: checking accounts, savings accounts, money market accounts, credit card accounts and such other accounts as the Bank may allow from time to time. Any account that requires more than one signature to make withdrawals or transfers may not be designated as a PC banking account.

In most cases, you may use the services provided by your CompassPC subscription in connection with any PC banking accounts, subject to the provisions of your Account Agreement and applicable law. However, the Bank reserves the right, to the extent permitted by law or as provided in this Agreement or any Account Agreement, to refuse (a) to include any eligible account within your CompassPC subscription, or (b) to allow transactions with or between PC banking accounts under certain circumstances.

4. Description of CompassPC. CompassPC is the name of a group of services offered by the Bank for use in conjunction with your Computer and the Software and Server to perform certain banking functions, pay bills and obtain prices for publicly traded securities, including stocks and mutual funds. Depending on the services requested, CompassPC allows you to perform some or all of the following functions:

a. Banking Functions: CompassPC banking

If you choose to receive this service, you may use CompassPC banking to: (a) transfer funds between any two of your PC banking accounts (except that you cannot make a transfer from a credit card account to another PC banking account); (b) obtain account balances for your PC banking accounts; (c) receive transaction information about your PC banking accounts; and (d) send electronic mail to the Bank and receive electronic mail from the Bank. These features of CompassPC are limited to the extent, and subject to the terms, noted below:

• Your ability to withdraw funds from certain accounts may be restricted or limited by either federal law or the terms of the Account Agreements. Please check your Account Agreements for any limitations.
• Your ability to schedule transfers for future dates depends upon the Software or Server you use to access CompassPC. You should check any instructional material to determine whether or not your Software or Server will allow you to schedule transfers for future dates, including automatically repeating transfers.
• Transfer requests received by the Bank before 6:00 p.m. in the time zone of the Primary Account on a Business Day will be posted to your PC banking accounts on the same Business Day. Transfer requests received by the Bank after 6:00 p.m. in the time zone of the Primary Account on a Business Day will be posted to your PC banking accounts on the next Business Day following receipt. Transfer requests received by the Bank on a day other than a Business Day will be posted to your PC banking accounts on the next Business Day following receipt. A transfer request is not necessarily received by the Bank at the same time that you transmit such a request. Transferred funds are available for withdrawal no later than the first Business Day following posting to the PC banking account. NOTE: A transfer credit to a credit card or a line of credit will not be reflected in that account's balance until the next business day.
• The Bank may not immediately receive electronic mail that you send. Therefore, do not rely only on electronic mail if you need to communicate with the Bank immediately – for example, if you need to stop payment on a check, to report unauthorized use of the security code, or to report an unauthorized transaction from one of your accounts. If you need to contact the Bank immediately, see Section 10. The Bank will not take actions based on your electronic mail requests until the Bank actually receives your message and has a reasonable opportunity to act.
• The Bank reserves the right to limit the frequency and dollar amount of transactions from your PC banking accounts for security reasons.
• You may not use CompassPC banking to make a transfer from a credit card account to a checking, savings or money market account.

b. Bill Payment Function: CompassPC^® Bill Pay

If you choose to receive this service, you may use CompassPC Bill Pay to initiate payments electronically from any eligible checking account designated as a PC banking account (the "Payment Account").

After the Bank, either directly or through its authorized service provider, receives your request to pay a bill using CompassPC Bill Pay, your payment will be made either by transferring funds electronically to the payee, or by preparing a check payable to the payee and sending the check to the payee. A "payee" is a person or business you are paying. Using CompassPC Bill Pay, you can pay only payees with a United States address. While payments to most payees can be made using CompassPC Bill Pay, the Bank reserves the right to refuse to honor payment requests for certain payees as provided in this Agreement or any Account Agreement or allowed by applicable law. The Bank is not responsible for the refusal by any payee to accept payment made using CompassPC Bill Pay.

When you enter and transmit a payment request, you authorize the Bank, either directly or through its authorized service provider, to debit the Payment Account in the amount of the request. If there are insufficient funds in the Payment Account to make payments you have authorized, the Bank, either directly or through its authorized service provider: (i) may refuse to honor payment requests; or (ii) may make the payment, even if the payment overdraws the Payment Account. In either event, you are responsible for any funds advanced by the Bank or its service provider to cover your payment request, as well as any non-sufficient funds or overdraft charges authorized in the Account Agreement for that Payment Account. The Bank may refuse to honor payment requests that reasonably appear to the Bank to be fraudulent, unauthorized, erroneous or illegal.

5. Charges for CompassPC.

a. CompassPC Monthly Fee. You agree to pay the applicable monthly fee shown in the Bank’s schedule of service charges for CompassPC, as that schedule may be revised from time to time (the "Monthly Fee"). The Monthly Fee, which is based on the kinds of accounts in your CompassPC subscription and specific functions to which you subscribe, will be charged whether or not you use CompassPC during any given month.

b. Additional Usage Based Fees. If any of your PC banking accounts are commercial accounts, you also agree to pay the monthly usage based fees shown in the Bank’s schedule of service charges for CompassPC, as that schedule may be revised from time to time (the "Usage Fee"). The Usage Fee is based on the number of Bill Pay requests you transmit and CompassPC sessions you initiate within a calendar month. For the purpose of this Usage Fee, a session is initiated each time you go on-line with the Software and Server and use one or more CompassPC services, including the Bill Pay service.

c. About Fees Generally. You authorize the Bank to deduct any applicable CompassPC fees from the account with the Bank that you designated as the Primary Account on your application for CompassPC or otherwise designated in writing to the Bank. If the funds in this designated account are insufficient to pay any applicable CompassPC fees, you authorize the Bank to deduct these fees from any other PC banking account included within this subscription. The bank may revise its schedule of service charges to change or add fees for CompassPC by following the procedures outlined in Section 19 for amending this Agreement. In addition to the fees noted here, the service charges and fees provided for in the Account Agreement will continue to apply.

6. Scheduling CompassPC Bill Pay Payments. When using CompassPC Bill Pay, you must enter and transmit your payment requests at least five (5) Business Days before a bill is due. It is your responsibility to authorize your bill payments in such a manner that your bills may be paid on time. You are responsible for any late payment charge, finance charge, penalty or default that may result from your failure to transmit payment requests at least five (5) Business Days before payment is due.

7. Voiding and Stopping CompassPC^® Bill Pay Payments.

a. Voiding CompassPC Bill Pay Payments. After payment requests are transmitted, you may use CompassPC Bill Pay to void a payment (if, for example, a payment date or a payment amount is incorrect) by transmitting the voiding request to CompassPC Bill Pay in sufficient time to allow the payment to be voided, generally, at least five (5) business days before the scheduled payment date. If your voiding request is not accepted, the payment request will be processed according to your original payment request.

b. Stopping Payments.

(i) Electronic Payments. If you wish to stop payment on a CompassPC Bill Pay payment you previously authorized and it is too late to void the payment as described in Section 7.a. above, you should follow the instructions in your Account Agreement. For information, contact the Bank at the telephone number and address listed in subsection (ii) below.

(ii) Automatic Repeating Payments. If you wish to stop payment on an automatic repeating payment you previously authorized through CompassPC Bill Pay, you should follow the procedures for voiding payments set forth in Section 7.a. above. If it is too late to void the next automatic repeating payment, you can stop such payment by calling the Bank at 800/273-1057 or writing the Bank at Compass Bank, CompassPC Customer Service Department, P. O. Box 10566, Birmingham, Alabama 35296, in time for the Bank to receive your request three (3) Business Days before the payment is scheduled to be made. We will charge you the stop payment fee applicable under your Account Agreement.

8. Security Procedure for PC Banking Accounts. By subscribing to the CompassPC program, you have chosen to access your accounts with the Bank in accordance with the following security procedure. You will be provided an identification code for your initial use of CompassPC during which use you will be required to select a security code, referred to as a Password or in the Software as a "personal identification number" or "PIN". In selecting your security code, you should select one that is different from any other Password or PIN that you may have for other Compass products. You must use this security code to gain access to CompassPC, and the Bank will not allow access to your accounts through CompassPC without your security code. In order to prevent unauthorized access to your PC banking accounts and unauthorized use of CompassPC, you agree to keep the security code confidential and to reveal the security code only to individuals who are authorized signatories on each and every PC banking account. You also agree to review promptly each periodic statement you receive from the Bank on a PC banking account in order to detect any unauthorized transactions. You recognize that anyone possessing your security code can access your PC banking accounts and initiate transactions on those accounts. You agree that you are responsible for maintaining the confidentiality of your security code, and implementing the necessary internal controls, balancing and reconciliation functions, and audit procedures to protect PC banking accounts from theft or misuse.

9. Periodic Statements. For any PC banking account from which or into which any transfer or payment initiated through CompassPC has been made during a particular month, the Bank will mail or deliver to you a periodic statement for that month on that PC banking account.
For all other PC banking accounts, you will receive a periodic statement at least quarterly. In addition to reflecting your other account activity, your statements will include a description of any completed transfers or bill payments you authorized using CompassPC. You agree that you are responsible for reviewing promptly each periodic statement on a PC banking account in order to detect any unauthorized transactions.

10. Reporting Unauthorized Transactions. If you believe that your security code is subject to unauthorized use or that an unauthorized transaction may be or has been made from a PC banking account, telephone the Bank immediately at: 800/273-1057.

You may also write the Bank at:

Compass Bank
CompassPC Customer Service Department
P. O. Box 10566
Birmingham, Alabama 35296

You agree to take any reasonable actions requested by the Bank to prevent unauthorized transactions to your PC banking account.

11. Your Liability for Consumer Accounts. You are responsible for all transfers and bill payments you initiate or authorize using CompassPC. If you disclose your security code to any person, allow any person to obtain your security code, or permit any person to use Compass PC, you will have authorized that person to access your PC banking accounts and you are responsible for any transactions that person initiates or authorizes from your PC banking accounts.

Notify the Bank at once if you believe any of your PC banking accounts have been accessed or your security code has been used without your authorization. Contacting the Bank immediately by telephone will help you and the Bank reduce possible losses.

For any PC banking account that is a consumer account, you can lose no more than $50 if you notify the Bank within two (2) Business Days of discovering any unauthorized use of CompassPC or access to your security code. However, you can lose as much as $500 from any such consumer account if you do not notify the Bank within two Business Days after discovering the unauthorized use and the Bank can prove that it could have prevented the unauthorized use had it been notified.

Also, notify the Bank immediately if any periodic statement shows a transaction on a PC banking account that you did not make. For consumer accounts included within a CompassPC subscription, if you do not notify the Bank within sixty (60) days after the statement was mailed to you, you may not receive back any money you lost after the sixty (60) day period. You could lose all the money in your consumer accounts if the Bank can establish that it could have prevented those losses if you had given notice to the Bank in time. If a good reason, such as extended travel or hospitalization, prevents you from promptly notifying the Bank of unauthorized use of consumer accounts, the time periods specified in this Section may be extended to reasonable periods.

12. Bank’s Responsibility for Consumer Accounts. The Bank is responsible for any damages you incur in connection with any consumer account included within a CompassPC subscription if the damages were proximately caused by the Bank's failure to complete transfers and bill payments on time or in the correct amount according to your properly entered and transmitted requests and the terms and conditions of this Agreement and any Account Agreements, as provided by applicable law. However, the Bank will not be liable under certain circumstances, including:

• if, through no fault of the Bank, you do not have adequate funds in a PC banking account to complete a transaction from that account;
• if the amount of the transfer would exceed the amount of available credit under any Overdraft Protection Line of Credit;
• if you have not properly followed the instructional material provided with the Software or Server or CompassPC instructions on how to make a transfer or bill payment or if your Computer or Software fails or malfunctions;
• if the Bank has not received complete, correct and current instructions so that the Bank can make the requested transfer or bill payment;
• if you do not authorize a bill payment soon enough for your payment to be received by the payee by the time it is due;
• if withdrawals from any of your accounts have been prohibited by a court order such as a garnishment or other legal process;
• if your CompassPC was not working properly and you knew about this problem when you attempted to authorize a transfer or bill payment;
• if circumstances beyond the Bank's control prevent making a transfer or payment, despite reasonable precautions that the Bank has taken. Such circumstances include, without limitation, conflicts with federal or state law or regulation, acts of civil or military authority, national emergencies, insurrection, war, riots, labor difficulties, natural disasters, acts of God, weather conditions, flaws in the Software or Server or your Computer, equipment failure or malfunction, material shortage, or failure or malfunction of power, communication or transportation;
• if the Bank has reason to believe that a transaction has not been properly authenticated or is fraudulent;
• if the Bank's failure was not intentional and resulted from a bona fide error, notwithstanding its procedures to avoid such error, except for actual damages, which, to the extent permitted by applicable law, do not include indirect, incidental, consequential, special, exemplary or punitive damages.

There may be other exceptions to the Bank's liability as stated in this Agreement and your Account Agreements and as provided by applicable law.

13. Your Liability for Commercial Accounts. Unless you notify the Bank that your security code is subject to unauthorized use or that you suspect unauthorized transactions on a PC banking account, you acknowledge that the Bank is entitled to rely on and deem the use of your security code to gain access to CompassPC as your authorization for every transaction involving your PC banking accounts that are commercial accounts. Authorization of transfer requests and payment requests through CompassPC by means of your security code shall be considered the same as your signed authorization and instruction for the Bank to perform any and all actions relating to the transaction(s) requested. You agree to be bound by any transaction on any of your commercial accounts using CompassPC that is initiated by means of your security code and accepted by the Bank in accordance with the security procedure outlined in this Agreement, regardless of whether or not you actually authorized the transaction.

14. Limitation of Liability for Commercial Accounts. Notwithstanding any other provision in this Agreement or in any Account Agreement, and to the extent permitted by applicable law, the Bank is not liable for, and you release and waive any and all claims against the Bank relating to, any loss, damages or costs incurred by you, or by any other person or entity, whether or not acting as your agent or employee, by reason of anything the Bank has done or failed to do in connection with any PC banking account that is a commercial account, including, but not limited to, improper calculation or processing; transfer of funds or failure to transfer; dishonor or failure to dishonor; payment, stop payment, or failure to pay or stop payment; processing of electronic transfer entries; or loss or delay of electronic transfer entries, items, instruments, input data and materials during transfer to or from the Bank, unless you prove that such loss, damages or costs resulted solely from the Bank’s bad faith, negligence, or breach of this Agreement or applicable Account Agreement. Except as otherwise provided by applicable law, the Bank shall not be liable under any circumstances for any consequential, special, punitive, incidental or similar damages arising from the performance or non-performance of services in connection with commercial accounts included within a CompassPC subscription. Except as otherwise provided by applicable law, for such commercial accounts, the Bank shall incur no liability for delays, errors, failures or damages occurring by reason of circumstances beyond the Bank’s control including, without limitation, conflicts with federal or state law or regulation, acts of civil or military authority, national emergencies, insurrection, war, riots, labor difficulties, natural disasters, acts of God, weather conditions, flaws in the Software or Server or your Computer, equipment failure or malfunction, material shortage, or failure of power, communication or transportation.

15. Disclosure of Consumer Information to Third Parties. We may disclose information to third parties about your consumer account and the transfers you make as described in our Consumer Privacy Disclosure, as amended or modified from time to time, and is provided to you along with this disclosure.

16. Error Resolution. In case of errors or questions about your electronically initiated transactions using CompassPC, contact the Bank immediately. Telephone the Bank at: 800/2731057, or write the Bank at:

If you think your statement is wrong or if you need more information about a transaction listed on the statement, the Bank must hear from you no later than sixty (60) days after it sent to you the FIRST statement on which the problem or error appeared. If you only request more information about a transfer, you must contact the Bank about any suspected error related to that transfer within sixty (60) days after the Bank sends or delivers the requested information to you.

• Tell us your name and account number(s).
• Describe the suspected error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell the Bank orally, the Bank may require that you send it your inquiry or question in writing within ten (10) Business Days.

The Bank will tell you the results of its investigation within ten (10) Business Days after it hears from you and will correct any error promptly. If the Bank needs more time, however, it may take up to 45 days to investigate your complaint or questions. If the Bank decides to do this, the Bank will provisionally credit your account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes the Bank to complete its investigation. If the Bank asks you to put your complaint or question in writing and does not receive it within ten (10) Business Days, the Bank may not credit your account.

If the Bank decides that there was no error, it will send you a written explanation within three (3) Business Days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation.

17. Arbitration. You and we acknowledge and agree that this Agreement involves interstate commerce, and each waives any right to claim otherwise.

You and we agree that, upon written demand for arbitration made by you or us, all disputes, controversies and claims for more than $5,000; whether based on contract, tort or otherwise that arise from or relate (a) to this Agreement, (b) to the relationships that result from this Agreement, or (c) to the scope or enforceability of this Agreement shall be settled by binding arbitration conducted in accordance with the Commercial Arbitration Rules ("Rules") of the American Arbitration Association ("AAA") a copy of which Rules are available from us upon your request; provided, however, that this Agreement to arbitrate applies only to those disputes, controversies and claims that are based on rights at law, and not to those based in equity ("Legal Claims"). In the event of any inconsistency between this Agreement and the Rules, this Agreement shall control. The Federal Arbitration Act shall apply to the construction, interpretation and enforceability of this Agreement notwithstanding any other choice of law provision contained in this Agreement.

You understand that arbitration is generally an informally conducted proceeding in which disputes are decided by one or more neutral arbitrators who receive the evidence at a hearing and then issue a binding ruling in the form of an award. You further understand that discovery in arbitration may be more limited than discovery in court proceedings, and that the ability to modify, vacate or appeal an award by arbitrator(s) is strictly limited. Both you and we voluntarily and knowingly waive the right to have a trial by judge or jury of any legal claim which is subject to arbitration under this Agreement.

The demand for arbitration may be made before or after commencement of any litigation and shall be in accordance with the Rules of the AAA. The AAA’s current address is 1975 Century Boulevard, Suite 1, Atlanta, GA 30345. The AAA’s current telephone number is 404/325-0101. In addition to the provisions of the Rules, you and we agree that participation in litigation by you or us does not waive any right that either you or we have to demand arbitration at any time with respect to any subsequent claim or counterclaim which is filed against you or us after commencement of litigation between you and us. Demand for arbitration under this Agreement must be made before the date when any judicial action upon the same Legal Claims would be barred under any applicable statute of limitations; otherwise, the Legal Claims also are barred in arbitration. Any dispute as to whether any statute of limitations bars the arbitration of any Legal Claim shall be decided by arbitration in accordance with the provisions of this Agreement. Legal Claims by, or on behalf of, other persons will not be considered in, or consolidated with, the arbitration proceedings between you and us.

The Expedited Procedures of the Rules shall apply only to disputes where neither the aggregate claims nor the aggregate counterclaims exceed $25,000. Any dispute that does not qualify for Expedited Procedures shall be decided by a panel of three arbitrators. Each arbitrator, whether or not acting under the Expedited Procedures, shall be a member of the bar of the state in which we maintain your account, and shall be: (a) either actively engaged in the practice of law for at least 5 years, or (b) a retired judge of the courts of that state.

You and we agree that the arbitrator(s): (a) shall limit discovery to matters directly relevant to the arbitrated dispute; (b) shall grant only legal relief that is based upon and consistent with substantial evidence and prevailing legal authority in the state where the arbitration is being conducted; and (c) shall make specific findings of fact and conclusions of law to support any arbitration award that exceeds $25,000. You and we further agree that the Rules are modified to the extent that arbitrators(s) for Legal Claims between you and us under this Agreement shall have no power or authority to grant equitable relief. To the extent this Agreement makes no express provision for the allocation of cost and expenses in a specific dispute, each party shall bear its own costs and expenses and an equal share of the arbitrators’ and administrative fees for arbitration. The arbitration proceedings shall be conducted in the county and state where we maintain your account or at any other place which you and we select by agreement. Judgement upon any award rendered in arbitration may be entered in any court having jurisdiction to do so.

No provision of this Agreement restricts the ability of any person to exercise all rights and pursue all remedies available at law or expressly reserved under this Agreement; provided, however, with respect to any Legal Claim, the exercise of those rights or the pursuit of these remedies is subject to the right of any other party to demand arbitration as provided in this Agreement.

18. Business Days and Hours of Operation. For the purposes of this Agreement, the term "Business Day" means Monday through Friday, excluding all holidays recognized by the federal government. You can use your Computer, Server and Software 24 hours a day, seven days a week; however, your access to CompassPC may be restricted during regular daily maintenance periods and any special maintenance periods. The Bank can process requests for transfers and bill payments only on Business Days.

19. Changing this Agreement. The Bank may change this Agreement from time to time. Unless otherwise required by applicable law, any change, other than an immediate change necessary to maintain or restore the security of the PC banking account(s), shall take effect not less than thirty (30) days after notice has been mailed to the last address shown on the Bank’s records for the account designated on the application as the Primary Account. Your continued use of CompassPC following the effective date of the change signifies your acceptance of the change.

20. Termination. Either you or the Bank may terminate this Agreement and your CompassPC subscription at any time upon giving written notice of the termination to the other party. You also may terminate this Agreement and your CompassPC subscription at any time by calling 800/273-1057. If you terminate CompassPC, you authorize the Bank to continue making transfers and bill payments you have previously authorized until such time as the Bank has had a reasonable opportunity to act upon your termination notice. Once the Bank has acted upon your termination notice, the Bank will make no further transfers or payments from your accounts, including any transfers or payments you previously have authorized. If the Bank terminates your use of CompassPC, the Bank reserves the right to make no further transfers or payments from your PC banking accounts, including any transactions you previously have authorized.

21. General Provisions. The validity, construction and enforcement of this Agreement shall be governed by the laws of the state in which the PC banking account(s) was (were) opened and by applicable Federal laws and regulations. To the extent permitted by applicable law, if any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect and, if practicable, the invalid or unenforceable provision will be reformed to achieve its intended purpose.

Schedule of Service Charges for CompassPC®

Any applicable fee for CompassPC, which is based on the kinds of accounts in your CompassPC subscription and specific functions to which you subscribe, will be charged whether or not you use CompassPC during any given month.

Consumer Pricing

If all of your PC banking accounts are consumer accounts,
you will pay the following monthly fee(s):

Business / Commercial Pricing

If any of your PC banking accounts are business/commercial accounts, you will pay the following monthly fee(s) and usage based additional charges:

The monthly fee for CompassPC banking and Bill Pay will be waived with Small Business DDA accounts and CompassWorks account relationships. The Additional Bill Pay Charges still applies to Small Business DDA accounts when more than 20 Bill Pays occur in a month.

The Consumer Privacy Disclosure provided below describes our use of consumer information. For our consumer customers' convenience, it is included with this Agreement and Disclosure Statement for CompassPC with Quicken or via CompassWeb, but it is not part of the Agreement and we may change it from time to time upon notice to you.

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