Priority Service

• Access to the dedicated Preferred Client Service Unit with extended and Sunday hours
• Preferred funds availability on deposits up to $10,000²
• Immediate provisional credit for disputed ACH and debit transactions³
• Increased check-cashing limits
• Complimentary MoneyGuidePro^™ Risk Assessment⁴

Preferred Pricing

• Complimentary Preferred Client checks and cashier's checks
• No delivery fee for checks you order
• No monthly service charge for Build-to-Order checking
• No quarterly service charge (monthly in Arizona) for consumer Basic Savings
• .25% (25 basis points) rate discount on selected home equity products*

Preferred Debit Card

• Preferred Gold Visa^® Check Card with higher daily ATM and purchase limits⁵

To qualify for Preferred Client you must have a BBVA Compass consumer checking account and:

1. Have $25,000 - $99,999 in qualifying balances¹, or
2. Have a BBVA Compass mortgage of at least $250,000

Important Terms and Disclosures

BBVA Compass Preferred Client enrollment is subject to eligibility. BBVA Compass reserves the right to review eligibility for Preferred Client status on a periodic basis. BBVA Compass may, in its sole discretion, enroll clients in Preferred Client program, regardless of whether the client otherwise meets the eligibility requirements, and may impose lesser requirements to maintain Preferred Client status. BBVA Compass Preferred Client program is subject to change or termination at any time, without notice to you.

Checking accounts and Check Cards are subject to approval, which may include credit approval. $25 minimum opening deposit required. Additional terms may apply; refer to your account disclosure for details. Products, features and benefits offered with accounts are subject to change. Miscellaneous fees and service charges may apply.

¹ Qualifying balances for BBVA Compass Preferred Client program:
Qualifying balances include: consumer checking, savings, and money market accounts, principal balance on loans and lines of credit, outstanding balance on credit cards, investment, and 50% of CD balances, but exclude: first lien mortgage loans, insurance, trust, and business accounts.

² Preferred funds availability on daily deposits:
Deposited funds will not be held on deposits made to your consumer checking account up to $10,000 a day for the Compass Preferred Client program and $25,000 a day for the Compass Preferred Client Plus Program. Compass Bank reserves the rights to and has discretion to put a hold on items in accordance with applicable law, regulations and account agreement.

³ Immediate provisional credit:
In order to receive immediate provisional credit the total amount of the claim must not exceed $5,000. If the claim amount is greater than $5,000 no immediate credit will be given. A claim is defined as the total dollar value of the combined transactions filed for dispute investigation.

⁴ Personal Investment Officer:
Schedule a Meeting with a Personal Investment Officer to review your current financial situation and to consider your future needs, goals and objectives. Securities and Investment products offered through BBVA Compass Investment Solutions, Inc. Member FINRA and SIPC and an affiliate of Compass Bank. Insurance products are offered through BBVA Compass Insurance Agency, Inc., an affiliate of Compass Bank.

⁵ Visa Check Cards:
Visa Check Cards are subject to approval, which may include credit approval.

* Home Equity Line of Credit: All credit subject to approval. Minimum payment of $75 or total amount outstanding whichever is less. All loans and lines of credit are subject to program eligibility, collateral and underwriting requirements, and approval, including credit approval. Equity Optimizer APR: 4.00% - 6.00% variable. Maximum APR not to exceed 18%. Minimum APR (floor rate) in effect at closing will apply after expiration of promotional period (currently 4.00%). Special offers available only on applications received between 01/02/13 and 03/31/13 that close by 04/30/13. Loan Terms: BBVA Compass must receive a valid first or second real estate lien on a primary residence occupied by the borrower. Texas Loan Terms: Maximum credit line cannot exceed 50% of appraised value of property. BBVA Compass must receive a valid first or second real estate lien under Article XVI, Section 50(a) (6) of the Texas Constitution on a primary residence occupied by the borrower. Offer does not include manufactured homes or Equity Optimizers^® secured by purchase money mortgages. Property insurance required including flood insurance, where applicable. Minimum line amount is $10,000. $50 annual fee charged on the first anniversary date of the line and every year thereafter (not applicable in Texas). $75 fee for each fixed rate option, waived for the first transaction. Rates and terms are subject to change without notice. Closing Costs: You can choose between bank-paid or borrower-paid closing costs on new BBVA Compass home equity products with amounts ranging from $10,000 to $250,000. Credit requests for less than $10,000 or more than $250,000 shall be subject to actual closing costs incurred and permitted by law. Closing cost offer not available with refinance of a first mortgage. Rates advertised are based on the borrower paying all applicable closing costs. A higher rate will apply to your loan/line of credit if you choose to have the bank pay your closing costs. Closing costs paid by the lender will be recovered by the lender if the borrower pays the loan/line in full within two years (not applicable in Texas).

Priority Service

• Access to the dedicated Preferred Client Service Unit with extended and Sunday hours
• Preferred funds availability on deposits up to $25,000²
• Immediate provisional credit for disputed ACH and debit transactions³
• Increased check-cashing limits
• Complimentary MoneyGuidePro™ Risk Assessment⁴

Preferred Pricing

• No monthly service charge for CompassLink Checking^®, Build-to-Order Checking^®, and Preferred Money Market accounts
• No delivery fee for checks you order
• Complimentary Preferred Client checks and cashier's checks
• No BBVA Compass fee to use another bank's ATM
• Complimentary small-sized safe deposit box
• Complimentary paper statements
• .50% (50 basis points) rate discount on selected home equity products*

Fee Rebates

• Automatic rebates of other banks' ATM fees⁶
• 6 NSF Fee Rebates per year⁷
• Domestic and International Wire Transfer Fee Rebates – both incoming and outgoing⁸
• Unlimited "stop payment" request fee rebate on checks

Preferred Plus Debit Card

• Platinum Visa Check Card with many extras available only to you⁹
  • Rebate of International Service Fees¹⁰
  • Visa Concierge Service¹¹
  • Travel and Emergency Assistance Services¹¹
  • Auto Rental Collision Damage Waiver¹¹
  • Higher daily ATM and purchase limits ($1,000/$10,000)

To qualify for Preferred Client Plus you must have a BBVA Compass consumer checking account and:

1. $100,000 or more in qualifying balances¹, or
2. Have a BBVA Compass mortgage of at least $450,000, or
3. Be the owner of a business enrolled in the BusinessClass Preferred Plus program

Important Terms and Disclosures

BBVA Compass Preferred Client Plus enrollment is subject to eligibility. BBVA Compass reserves the right to review eligibility for Preferred Client status on a periodic basis. BBVA Compass may, in its sole discretion, enroll clients in the Preferred Client program, regardless of whether the client otherwise meets the eligibility requirements, and may impose lesser requirements to maintain Preferred Client status. BBVA Compass Preferred Client program is subject to change or termination at any time, without notice to you.

Checking accounts and Check Cards are subject to approval, which may include credit approval. $25 minimum opening deposit required. Additional terms may apply; refer to your account disclosure for details. Products, features and benefits offered with accounts are subject to change. Miscellaneous fees and service charges may apply. All credit subject to approval. Please see home equity product disclosures for details.

¹ Qualifying balances for BBVA Compass Preferred Client program:
Qualifying balances include: consumer checking, savings, and money market accounts, outstanding principal balance on loans and lines of credit, outstanding balance on credit cards, investment, and 50% of CD balances, but exclude: first lien mortgage loans, insurance, trust, and business accounts.

² Preferred funds availability on daily deposits:
Deposited funds will not be held on deposits made to your consumer checking account up to $10,000 a day for the Compass Preferred Client program and $25,000 a day for the Compass Preferred Client Plus Program. Compass Bank reserves the rights to and has discretion to put a hold on items in accordance with applicable law, regulations and account agreement.

³ Immediate provisional credit:
In order to receive immediate provisional credit the total amount of the claim must not exceed $5,000. If the claim amount is greater than $5,000 no immediate credit will be given. A claim is defined as the total dollar value of the combined transactions filed for dispute investigation.

⁴ MoneyGuidePro™ Risk Assessment:
Schedule a Meeting with a Personal Investment Officer to review your current financial situation and to consider your future needs, goals and objectives. Securities and Investment products offered through BBVA Compass Investment Solutions, Inc. Member FINRA and SIPC and an affiliate of Compass Bank. Insurance products are offered through BBVA Compass Insurance Agency, Inc., an affiliate of Compass Bank.

⁵ Safe deposit boxes
are subject to availability. 50% discount on larger sizes where available.

⁶ ATM Rebates:
International Service Fees can be rebated upon request. In order to receive a rebate of ATM fees, the fees must be itemized on the transaction record. In some states, rebates may be automated. Call 1-800 COMPASS for more information.

⁷ NSF Fee Rebate:
Rebates available by customer request only. The following fees are eligible for rebate: NSF Charge-Returned Item, NSF Charge-Paid Item, Extended Overdraft Fee. Each Preferred Plus customer may have a total of 6 of these fees waived per year.

⁸ Wire Transfer Fee Rebate:
Rebate available by customer request only.

⁹ Visa Check Cards:
Visa Check Cards are subject to approval, which may include credit approval.

¹⁰ International Service Fee Rebate:
International Service Fees: International Service Fee (non-ATM) and International Service Fee (ATM) can be rebated upon request by customer. In order to receive a rebate for an International Service Fee (ATM), the fees must be itemized on the transaction record. In some states, rebates may be automated. Call 1-800-COMPASS for more information.

¹¹ Visa Check Card Benefits:
Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

* Home Equity Line of Credit: All credit subject to approval. Minimum payment of $75 or total amount outstanding whichever is less. All loans and lines of credit are subject to program eligibility, collateral and underwriting requirements, and approval, including credit approval. Equity Optimizer APR: 4.00% - 6.00% variable. Maximum APR not to exceed 18%. Minimum APR (floor rate) in effect at closing will apply after expiration of promotional period (currently 4.00%). Special offers available only on applications received between 01/02/13 and 03/31/13 that close by 04/30/13. Loan Terms: BBVA Compass must receive a valid first or second real estate lien on a primary residence occupied by the borrower. Texas Loan Terms: Maximum credit line cannot exceed 50% of appraised value of property. BBVA Compass must receive a valid first or second real estate lien under Article XVI, Section 50(a) (6) of the Texas Constitution on a primary residence occupied by the borrower. Offer does not include manufactured homes or Equity Optimiz¬ers® secured by purchase money mortgages. Property insurance required including flood insurance, where applicable. Minimum line amount is $10,000. $50 annual fee charged on the first anniversary date of the line and every year thereafter (not applicable in Texas). $75 fee for each fixed rate option, waived for the first transaction. Rates and terms are subject to change without notice. Closing Costs: You can choose between bank-paid or borrower-paid closing costs on new BBVA Compass home equity products with amounts ranging from $10,000 to $250,000. Credit requests for less than $10,000 or more than $250,000 shall be subject to actual closing costs incurred and permitted by law. Closing cost offer not available with refinance of a first mortgage. Rates advertised are based on the borrower paying all applicable closing costs. A higher rate will apply to your loan/line of credit if you choose to have the bank pay your closing costs. Closing costs paid by the lender will be recovered by the lender if the borrower pays the loan/line in full within two years (not applicable in Texas).