BBVA Compass Consumer Catalog - Winter / Spring 2016

Page 1

Banking on a brighter future. See inside for special offers and helpful information that can help you get one step closer to your brighter future. Winter / Spring 2016


Welcome to BBVA Compass. From where we sit, things look pretty bright. For today, for the journey, for the long haul. At BBVA Compass we are not only in the business of banking, we are in the business of building a brighter future for all. We’ve been working hard to deliver products and services that are easy and convenient, personalized, clear and fast. And we deliver them along with trusted advice and information. Throughout this magazine, you’ll see some of our unique products and services that we’ve designed to help you stay in control of your finances. These include consumer banking services, consumer loans, mortgages, home equity lines and loans, credit cards and personalized Visa ® Debit Cards, and more. We are thrilled that you have invited us to assist in your financial journey. We hope that with one less thing to worry about, you can focus on that brighter future.

2

See pages 28-30 for important information.


See pages 28-30 for important information.

3


Budgets for Any Income

4

See pages 28-30 for important information.


No matter where you are in your career - first job, mid-career, or nearing retirement - it’s a simple truth that without a budgetary playbook, you’re losing the game before you start. Good budgeting skills can make navigating your financial life a lot easier. After all, no coach goes into a game without a plan, and in the game of life, neither should you. • Understand your goals first • Listen to the expert • Do a scouting report • Get back on track with baby steps These may seem simplistic, but it all adds up. The point is to establish control over your spending. Once you determine what you can, and can’t, afford, your financial life will become a whole lot easier to manage. Read more about budgeting online at bbvacompass.com/go/budgeting-income.

See pages 28-30 for important information.

5


6 Steps That Can Change Your Financial Future

6

See pages 28-30 for important information.


No matter what your situation might be, we could all use a tune-up on our financial habits. Whether you’re looking to remedy any mistakes, stay on track, or maintain your financial success— we’ve got simple tips to help you get there. Now, your brighter future can be just six steps away. • Set financial goals • Boost your financial literacy • Organize your important documents • Make a budget • Change one habit • Become a savvier customer To read more about each of these steps, visit us online at bbvacompass.com/go/financial-future.

See pages 28-30 for important information.

7


Retirement is Near? Adjust Your Investment Strategy

8

See pages 28-30 for important information.


You probably know that when it comes to saving for retirement, you can never start too early. But simply depositing money into an account isn’t enough. The key to growing your retirement portfolio lies in having a sound asset-allocation strategy, with the right balance of stocks, bonds, and other relatively safe investments. An asset allocation that made sense in your late 20s may become too risky when you’re in your late 50s and retirement looms. Adjusting your portfolio holdings as you get older can help you pursue more modest growth, while seeking to preserve your dollars for when you’ll need them most. But what is the “right” asset allocation? While it depends on your individual financial situation, risk tolerance, market conditions, and other savings goals, there are a few guidelines. Read more about investment strategies for retirement online at bbvacompass.com/go/retirement.

See pages 28-30 for important information.

9


BBVA Compass Specialty Programs

10

See pages 28-30 for important information.


Our programs make banking a one-stop shop. With our specialty programs, everything you need is in one place—and you’re one step closer to your brighter future.

• Student Banking We’re taking banking back to the basics. Here, students can enjoy savings with BBVA Compass ClearChoice Free Checking with no monthly Service Charge and easier budgeting with BBVA Compass ClearSpend—a prepaid card that can help you eliminate overspending. For more, visit bbvacompass.com/go/student-banking

• BBVA Compass ClearBenefitsSM BBVA Compass ClearBenefitsSM is an all-in-one package of services and consumer protections available to our consumer checking customers. Benefits include: Roadside Assistance Services, Identity Theft Restoration, Cell Phone Protection and much more. For more, visit bbvacompass.com/clearbenefits

• BBVA Compass Professional Program Our Professional Program is designed for busy professionals such as physicians, attorneys and CPAs. Here, we have maximum savings with easy and affordable home equity, flexible mortgage options and accessible credit with minimal fees. For more, visit bbvacompass.com/go/ professional-program

• Premier Personal Banking Premier Personal Banking is our way of saying thank you for entrusting so much of your financial needs with us. With a minimum of $100,000 in deposits and/or investments, you can enjoy: 24/7 Premier Personal Banking Dedicated Telephone Unit, automatic ATM fee rebates, which includes fees other banks charge and a Select Credit Card with no annual fee. And that’s just the beginning. For more, visit bbvacompass.com/go/premier-banking

• Opportunity Banking With Opportunity Banking you can have a fresh start, no matter what your financial situation might be. We are ready to offer you accessible credit and mortgage solutions, checking solutions, budgeting tools and financial education. For more, visit bbvacompass.com/go/opportunity

• Everyday Hero Banking As members of the military, health care, education, law enforcement and fire department, we want to thank you for your service by offering you discounts on products and services like: credit cards, consumer loans, home equity products and Signature Express Loans. For more, visit bbvacompass.com/go/heroes

See pages 28-30 for important information.

11


Banking for the true NBA fan

12

See pages 28-30 for important information.


Get in the game and show your NBA pride. At BBVA Compass we understand that your NBA pride runs deep. That’s why we’ve developed products with you in mind—the real fan. Now, with the BBVA Compass NBA American Express® Card and NBA Checking, you can carry your favorite team with you everywhere you go. Enjoy earning rewards for conducting your everyday banking, as well as other awesome redemption opportunities with each account.

BBVA Compass NBA American Express® Card Score big with this introductory offer: • 0% Introductory APR for 6 months on your purchases, 9.24% - 29.24% variable APR after that based on creditworthiness. • 0% or 3.99% Introductory APR for 12 months on Balance Transfers, 9.24% - 29.24% variable APR after that based on creditworthiness. • APPLY TODAY at nbacard.bbvacompass.com or call us at 1-844-NBA-BBVA to start getting closer to your favorite game! As a Cardholder, you’ll enjoy these great benefits: • Car Rental Loss and Damage Insurance

Emergency Assistance

• Travel Accident Insurance

Identity Theft

• Retail Protection

Extended Warranty

NBA Checking benefits: • No fee to use any BBVA Compass or AllPoint Network ATMs nationwide. • Complimentary Online and Mobile banking with Bill Pay • Complimentary Online Statements (Paper statements $3) • Complimentary account alerts via email and text message • BBVA Compass Debit Card you can customize with your favorite NBA team’s logo • Receive rewards for conducting everyday banking activities like paying bills, receiving direct deposits or using your BBVA Compass Debit Card. • Enjoy our NBA Savings account, with an opening balance of only $25 and no quarterly Service Charge. A NBA Checking account is required to qualify.

See pages 28-30 for important information.

13


BBVA Compass Consumer Checking Accounts BBVA Compass ClearChoice Premium Checking

Checking Account Options

BBVA Compass ClearChoice Free Checking

Ask us about account management options, including opting in or out of our Courtesy Overdraft Option Complimentary Online & Mobile Banking with Bill Pay

Complimentary Online Statements1

Complimentary Paper Statements

Unlimited checkwriting

Personalized BBVA Compass Debit Card

Personalized BBVA Compass Debit Card

No fees at any BBVA Compass ATM

No BBVA Compass fees at other ATMs

(See Custom Features You Can Add, below)

• (2 per statement cycle)

(See Custom Features You Can Add, below)

Access to cash from any of 43,000+ Allpoint ATMs with no withdrawal fee

(See Custom Features You Can Add, below)

Complimentary checks

(See Custom Features You Can Add, below)

Monthly Service Charge

$15 (Ask about ways to waive this charge)

$0

One complimentary BBVA Compass Debit Card2

Automatic rebates of ATM fees charged by other banks

Additional Features and Benefits

Features You Can Add

No monthly Service Charge for a BBVA Compass ClearChoice Money Market account (limit one per account, available upon request)

BBVA Compass ClearBenefits ($5/month and includes cell phone protection, roadside asisstance, as well as other legal, financial, and entertainment benefits)

Custom Features. • Unlimited standard checks or 50% off other check styles ($2/month) • 3”x5” safe deposit box ($3/month) • No BBVA Compass fee to use other banks’ ATMs, plus up to 4 automatic rebates per statement cycle for ATM fees charged by other banks ($5/month) • Unlimited cashiers checks ($2/month) BBVA Compass ClearBenefits ($5/month and includes cell phone protection, roadside asisstance, as well as other legal, financial, and entertainment benefits)

14

See pages 28-30 for important information.


NBA Checking

BBVA Compass Easy Checking

Ask us about account management options, including opting in or out of our Courtesy Overdraft Option

$3 per statement cycle

$3 per statement cycle

Customized NBA team logo card

Complimentary BBVA Compass Debit Card ($10 for personalized card)

$0 •

Receive rewards for conducting everyday banking activities like paying bills, receiving direct deposits or using your BBVA Compass Debit Card.

BBVA Compass ClearBenefits ($5/month and includes cell phone protection, roadside asisstance, as well as other legal, financial, and entertainment benefits)

$13.95

ClearBenefits ($5/month cell phone protection, roadside asisstance, as well as other legal, financial, and entertainment benefits) All checking accounts, savings accounts and Debit Cards subject to approval, which may include credit approval. $25 minimum opening deposit required. Please refer to Page 28-30 for additional details about accounts and services described on this Page. Please refer to the Terms & Conditions (account disclosure) for each product and service for complete details. Miscellaneous fees may apply. Allpoint® is a registered trademark of Cardtronics, Inc.

See pages 28-30 for important information.

15


Other BBVA Compass Consumer Deposit Accounts

Savings Account Options

BBVA Compass ClearChoice Money Market

BBVA Compass Certificates of Deposit

Complimentary Online and Mobile Banking

Complimentary Image Statements • • • •

Minimum opening deposit requirement of only $25 Earn tiered money market interest rates so your money grows faster Link to your BBVA Compass checking account for overdraft protection with the Linked Account Overdraft Sweep Service Up to 6 withdrawals per statement cycle with no Excess Transaction Fee ($10 per each additional withdrawal)

• • • • •

Minimum opening deposit of $500 Competitive interest rates Balances are FDIC insured up to applicable limits Flexible terms to meet your short and long term needs Available as an IRA

Account features

Money Market Sweep Service Link to your BBVA Compass ClearChoice Premium Checking account and enjoy our Money Market Sweep service. You can set a maximum checking balance so that any excess funds automatically “sweep” into your BBVA Compass ClearChoice Money Market account to take advantage of the higher interest rate.*

$15.00 monthly Service Charge

Fees & Charges

Avoid the monthly Service Charge during statement cycles when you meet any one of the following requirements: • You maintain a minimum daily Collected Balance of $10,000 or more in your BBVA Compass ClearChoice Money Market account; OR • You have an automatic, recurring monthly transfer of $25 or more from a BBVA Compass Consumer Checking Account to your BBVA Compass ClearChoice Money Market account in effect at the time the service charge would be assessed.

BBVA Compass Global Wealth has additional services available for you. Private Banking • Asset Management • Trust Services • Financial Planning Ask us today about a referral to a dedicated Relationship Manager.

16

See pages 28-30 for important information. *Available upon customer request.

Early withdrawal penalties apply


• • • •

BBVA Compass ClearChoice Savings

Build My Savings

NBA Savings

Young Savers

Minimum opening deposit requirement of only $25 Earn interest on entire balance Four withdrawals per quarter at no additional charge ($3 per each additional withdrawal) Link to your BBVA Compass Consumer Checking Account for overdraft protection with the Linked Account Overdraft Sweep Service

• • • • • • •

$15.00 quarterly Service Charge

Avoid this Service Charge during statement cycles when you meet any one of the following requirements: • You maintain a minimum daily Collected Balance of $500 or more in your BBVA Compass ClearChoice Savings account; OR • You have an automatic, recurring monthly transfer of $25 or more from a BBVA Compass Consumer Checking Account to your BBVA Compass ClearChoice Savings account in effect at the time the service charge would be assessed.

• •

With the Build My Savings account, you can build an account that makes saving for a goal easier for you, and then rewards you for sticking to your plan. Match Bonus = 1% of Total Transfer amount determined at account opening Earn Interest on entire balance Maximum Match Bonus $50 for 12-month plan, or $25 for 6-month plan $25 minimum opening deposit required Automatic Transfer of at least $25 per month from a BBVA Compass consumer checking account required Savings Plan options: 6 months or 12 months Automatic Transfer Options: Weekly, Every Other Week, Twice a Month, Monthly

No Quarterly Service Charge for Build My Savings $10.00 charge for each withdrawal from the account Build My Savings Account converts to BBVA Compass ClearChoice Savings at Savings Plan End

• • •

Minimum opening deposit requirement of only $25 Earn interest on entire balance Four withdrawals per quarter at no additional charge ($3 per each additional withdrawal) Link to your NBA Checking Account for overdraft protection with the Linked Account Overdraft Sweep Service

An NBA Savings account is only available with an NBA Checking account. No Service Charge

No Service Charge. Primary account holder must be under 19 years of age to qualify (adult required as joint owner)

All savings, money market and CD accounts subject to approval. Please refer to Page 28-30 for additional details about accounts and services described on this Page. Please refer to the Terms & Conditions (account disclosure) for each product and service for complete details.

• •

Minimum opening deposit requirement of only $1 Earn interest on entire balance Four withdrawals per quarter at no additional charge ($3 Excess Transaction Fee per each additional withdrawal)

See pages 30-32 for important information.

17


Mobile Banking from BBVA Compass Our Mobile Banking app gives you the freedom to do more in fewer taps. Banking has never been so simple or convenient. With the BBVA Compass Mobile Banking app, you bank more efficiently, when, and where you want. Now, you have the flexibility to bank without the hassle of driving to an ATM or branch, giving you more time to do what matters the most. With the BBVA Compass Mobile Banking app you can: •

Access your money, move it, check it, spend it anytime, anywhere

Deposit checks by taking a picture of the check*

Transfer money between accounts at BBVA Compass and other financial institutions

Monitor your account for fraud

Pay people with just their email address or mobile number

Set and manage alerts

Get our Mobile Banking app now- simply download it at your app store, or text APP to 4BBVA to get a one-time text message with a link to download the Mobile Banking app.**

Win a Share of $40,000 in Cash Prizes with Mobile Deposit®. From now until 4/30/16, when you use the BBVA Compass mobile app to make a deposit, you’ll automatically be entered in the BBVA Compass Triple Your Deposit Sweepstakes for a chance to win a bonus that equals triple your deposit up to $2,500. NO PURCHASE, PAYMENT, OR Mobile Deposit® NECESSARY TO ENTER OR WIN. Void where prohibited. Open to legal residents of AL, AZ, CA, CO, FL, NM, and TX, who are the legal age of majority in their respective state of residence and at least 18 years old. BBVA Compass Triple Your Deposit Sweepstakes ends 4/30/2016 at 11:59:59 PM CT. Odds of winning any prize are dependent upon the number of eligible entries received. For complete Official Rules visit bbvacompass.com/ go/tripledeposit. All Mobile Deposit®s subject to the BBVA Compass Mobile Banking Terms of Use and Consumer and Non-Consumer Deposit Account Agreement. Regardless of the number of checks or amount you deposit, the maximum weekly sweepstakes prize amount is $2,500. Sponsor: BBVA Compass, 15 S 20th St, Birmingham, Alabama 35233.

Awarded Money® magazine’s

“Best Mobile App.” 18

*Mobile Deposit is subject to eligibility. See Terms of Use for details and limitations, including information on funds availability. **Message and Data Rates May Apply. Go to bbvacompass.com for Privacy Policy. Call 1-800-273-1057 for support. See pages 28-30 for important information.


Online Banking Deposit Your Money

Mobile Banking

ATM

Online Banking

Deposit Checks

x

Deposit Cash

x x

Make Payments Bill Pay

x

Picture Bill Pay

x x

Manage Bill Pay Accounts

x

x

Send Money with Popmoney速

x

x

Request Money with Popmoney

x

x

BBVA Compass Credit Card Fast Payments

x

x

Transfer within BBVA Compass to Accounts you Own

x

x

Transfers within BBVA Compass to 3rd Party Accounts

x

x

Transfer FROM Accounts at Other Financial Institutions

x

Transfer TO Accounts at Other Financial Institutions

x

x

Send Domestic Wires

x

x

Secure Send International Money Transfers

x

x

Transfer Your Money x

Manage Your Account Account Opening

x

View Account Balances & Transactions Details

x

x

View Processed Check Images

x

x

View Account Statements

x

Turn On/Off Paper Statements

x

Link Accounts at other Financial Institutions to Check Balances and Transactions

x

End-to-end Bilingual Functionality (English/Spanish)

x

x

x

Add and Manage Account Alerts to Receive Notifications via Text or Email

x

x

Manage Your Profile

x

x

Order Checks

x

Rewards for Banking with Us

x

x

x

See pages 28-30 for important information.

19


Credit Payment Solutions OPTIMIZER

FIRST MI LAST

Optimizer Credit Card

Best for customers looking for:

Description:

A way to build or rebuild credit A smart, secure way to make everyday purchases

Features

Promotional

Intro APR On Balance Transfers

ClearPoints Credit Card • • •

The ClearPoints Credit Card is clear and simple with no surprises offering low interest rates and access to one of the most flexible and easy-to-use rewards programs available, CompassPoints.®

16.24% variable APR

0% Intro APR for 6 months, 9.24%23.24% variable APR after that based on creditworthiness

Not Applicable

0% to 3.99% Intro APR for one year, 9.24%23.24% variable APR after that based on creditworthiness

Bonus Offer:

$100 Account Credit after $1,500 in qualifying purchases made within the first 90 days of account opening.

CompassPoints Rewards*

Special Retailer Discounts Available

BBVA Compass Build Your Own RewardsSM allows you to choose from selected categories to earn up to 3X the points.

No

No

$40

$0

No Preset Spending Limit

Fees

Other Benefits

20

Low interest rates on purchases Debt consolidation offering low rates on balance transfers Access to rewards program

The Optimizer Credit Card is a secured credit card, which means your credit line is backed, or secured, by a collateral interest-bearing savings account.

Rates

Purchase APR

• •

FIRST MI LAST

Annual Fee

See pages 28-30 for important information.


FIRST MI LAST

Signature

FIRST MI LAST

Visa Signature Credit Card

Select Credit Card

• • • •

• • • •

Competitive interest rates Access to rewards program More purchasing power Added perks and premier services

Signature

Ability to customize how you earn rewards Points bonuses based on spend Exclusive benefits on travel, security, and other services No foreign transaction fees

The Visa Signature Card allows you to get the most out of your purchases with privileged benefits and buying power, in addition to CompassPoints® rewards.

The Select Card can deliver over $1,000 in value during the first year through rewards and savings. Maximize CompassPoints® rewards by customizing BBVA Compass Build Your Own Rewards, monthly points bonuses, and flexible redemption.

0% Intro APR for 6 months, 9.24%-23.24% variable APR after that based on creditworthiness

13.24% to 17.24% variable APR based on creditworthiness

0% to 3.99% Intro APR for one year, 9.24%-23.24% variable APR after that based on creditworthiness

Not Applicable

$100 Account Credit after $1,500 in qualifying purchases made within the first 90 days of account opening.

20,000 CompassPoints bonus with $2,000 in purchases in the first 90 days of account opening. ($200 value)

BBVA Compass Build Your Own Rewards allows you to choose from selected categories to earn up to 3X the points.

Customized BBVA Compass Build Your Own RewardsSM lets you pick 1 category at 3x the points and 2 categories at 2x the points with more flexible redemption options. (1,000 Bonus Points per Month with $5,000 spend.)

Yes

Yes

SM

• •

$0

Visa Signature benefits including Luxury Hotel Collection membership, 24/7 Concierge, Roadside Dispatch, Lost Luggage Reimbursement, Price Protection, Zero Liability, and more

• •

Visa Signature benefits including Luxury Hotel Collection membership, 24/7 Concierge, Travel Accident Insurance, Lost Luggage Reimbursement, Purchase Security, Zero Liability, and more Hertz Gold Plus Rewards Membership Receive $100 account credit (After your first $20,000 in qualifying purchases)

Annual Fee is waived the first year, $125 Annual Fee assessed each year thereafter. Annual fee is always waived for Premier Client customers.

See pages 28-30 for important information.

21


BBVA Compass Featured Mortgage Products

Fixed Rate Mortgages

Adjustable Rate Mortgages (ARM)

• • Best for customers who:

Product description:

Enjoy the comfort and predictability of knowing monthly principal and interest payments won’t change. Are concerned about the potential for rising interest rates that might increase their payments.

The interest rate and the monthly principal and interest payment amount remain the same for the life of the loan.

An adjustable rate mortgage typically starts with a lower interest rate than fixed rate mortgages. However, your interest rate and payments are periodically adjusted up or down as the index changes.

• Product features:

Monthly principal and interest payment remains the same throughout the term of the loan

Do not need a long-term guarantee that their interest rate will remain the same. Are interested in receiving a lower initial rate and payment and are willing to have their payment go up or down with future market rates. This may be an excellent option to consider if you intend to sell and move within a few years

Interest rate is fixed for a period of time. During this period, principal and interest payments would remain the same. After fixed period ends, the rate becomes adjustable and changes annually based on an underlying index and margin. As the rate changes, so does the payment amount.

Ask Your Banker About Other Specialized Mortgage Programs: Professional Mortgage Financing and Refinancing with low down payment, no requirement for private mortgage insurance, and expanded loan-to-value ratios. Loan amounts available up to $1,750,000 designed exclusively for medical residents, practicing physicians, attorneys, oral surgeons, dentists, and CPAs.

Foreign Nationals Mortgage This program helps foreign nationals (non-permanent residents) who want to purchase or refinance homes in the United States.

22

See pages 28-30 for important information.


First Time Home Buyers

Home Ownership Made Easier (HOME)

Have not owned a home within the last three years

Loan programs are available that help reduce the initial out of pocket expenditures required for buyers at closing.

This program is designed to help low to moderate income communities and borrowers achieve their dream of home ownership. We aim to make your dream a reality with high Loan to Values and special support to cover some of the mortgage closing costs.

• • • •

Low down-payment products make homeownership easier for borrowers who have less cash available to put toward the purchase of their first home Financial education tools help borrower have a clear view of the financial impact of owning a home

Are looking to buy or refinance their home and have less cash available for down payments and closing costs

• • •

Up to 100% LTV for certain transactions. While funds last, BBVA will pay for certain closing fees for low and moderate income transactions, or when the property is located in a low to moderate income census tract. No private mortgage insurance (PMI). Flexible terms available to repay the loan. Borrowers may use Seller Contributions, Gift Funds from a relative, or BBVA Compass approved Down Payment Assistance (DPA) programs to help qualify.

One Time Construction Loan For borrowers interested in building their dream house, this program offers one application and one closing for both the construction and the permanent mortgage loan.

Loans subject to program eligibility, collateral, underwriting and approval, including credit approval.

See pages 28-30 for important information.

23


Home Equity Products

Home Equity Line of Credit (HELOC)

Already know the amount they will need. Entire amount of the loan is given upfront

• • •

Home improvement Debt consolidation Major purchase

Fully amortized Principal and Interest payment

$10,000-$1,000,000

$10,000-$1,000,000

• •

Draw period up to 20 yrs. Repayment period up to 15 years depending on balance owed.

Take years to repay

• •

Primary residence (1st & 2nd lien) Second Home/Vacation Home (1st & 2nd lien-Not available in Texas)

• •

Primary residence (2nd lien only) Second Home/Vacation Home (2nd lien only-Not available in Texas)

• •

No application fees Bank-paid closing cost for lines ranging from $10,000 up to $500,000

• •

No application fees Bank-paid closing cost for loans ranging from $10,000 up to $500,000

Tax Deduction:

Potentially tax-deductible interest for year-end taxes (check with your tax advisor)

BBVA Compass discounts:

• • • •

Auto-payment discount from a qualified BBVA Compass Checking account Workplace Solutions Premier Personal Banking Everyday Hero

Best for customers who:

Want to have the flexibility to choose how much to advance when you need it

• • • •

Home improvements Debt consolidation Major purchases Unexpected expenses

• •

Interest-only payments Fixed Rate Option available: Option allows you to convert all or part of your line of credit into a loan with a fixed term and fixed payment

Loan amount:

Term:

Collateral type:

Uses:

Paymemt Options:

Application fees and closing costs:

24

Home Equity Loans

See pages 28-30 for important information.


See pages 28-30 for important information.

25


26

See pages 28-30 for important information.


BBVA Compass Featured Consumer Loan Products Simplified Line of Credit (SLOC) • Best for customers who:

Product description:

Terms:

A revolving line of credit that gives you quick access to available funds. So you can use it as often as you’d like, up to your available credit limit, for any expenses you may have – from a vacation to the unexpected. • • • •

• • •

Product features:

Want the flexibility to access funds by drawing on a revolving line of credit Are considering major purchases, major life events (weddings, medical procedures, etc), vacations, home improvement projects or debt consolidation.

• • • • •

Auto / Boat / RV / Motorcycle Loan

• •

Are interested in buying a new or used vehicle for personal use Are interested in refinancing their current vehicle at a lower rate

Our easy application, low competitive rates, and same-day decisions takes the hassle out of buying your next vehicle and provides you with a fixed rate installment loan.

Minimum loan amount: $2,000 Maximum loan amount: $20,000 Fixed terms from 24 to 60 months 9.24% - 23.74% variable APR, based on creditworthiness

No collateral is required Unlimited advances – up to the available credit limit (minimum advance $1,000) Multiple ways to access funds: • visiting one of our branches • using a convenience check • calling 1-800-239-5175 Get 0.50% (50 basis points) off your APR when your account is enrolled in Auto Debit from BBVA Compass checking or saving accounts. No Annual Fee No Pre-Payment Penalties Advance Fee: 3% of the amount of each advance (minimum advance: $1,000) Check balances and make payments via bbvacompass.com

• • •

• •

• • • • • •

Auto Loan: minimum loan amount for special rate is $15,000. B/MC/RV: minimum loan amount for special rate is $10,000 Loan amounts available as low as $5,000. New: up to 120% of dealer cost Used: up to 120% of NADA value Approved Loan to Value (LTV) based on creditworthiness Fixed rate with regular monthly payments Quick, streamlined application process Get a 1.00% (100 basis points) rate discount with auto-debit loan payment. No processing fees No Pre-payment Penalty Fee Check balances and make payments via bbvacompass.com

BBVA Compass Signature Express Loan The cash you want, when you need it. With a Signature Express Loan you can have quick access to the funds you need so you can have the peace of mind you deserve. Loan amounts are available from $2,000- $100,000, and we’ve made the application process easier than ever with potential credit notification and funding the same day. Only your signature is needed. It’s that easy. Ask us today to learn more and get started.

See pages 28-30 for important information.

27


Article Disclaimer (Page 5,7,9): This material is provided for informational purposes only and in no way should be relied upon for financial advice. Please be sure to consult your own financial advisor when making decisions regarding your personal financial management. BBVA Compass does not in any way make any warranties, representations or guarantees about results that may be achieved by using or following the information contained here or that the information provided will fulfill any particular purpose or need. Student Banking (Page 11): BBVA Compass ClearChoice Free Checking: All checking accounts and Debit Cards subject to approval, which may include credit approval. $25 minimum opening deposit required. All BBVA Compass ClearSpend Accounts are subject to approval. $25 minimum opening deposit required. ClearSpend Accounts available to U.S. residents who are over 18 years of age (or 19 in certain states) and for use virtually anywhere Visa cards are accepted, subject to verification. BBVA Compass ClearBenefits Program (Page 11): You must have a BBVA Compass consumer checking account to enroll in BBVA Compass ClearBenefits. The monthly fee for the Program is $5.00. Please see the Enrollment Kit at bbvacompass.com/clearbenefits for additional information about the program and complete details about the program benefits. Please visit your local BBVA Compass branch to enroll in BBVA Compass ClearBeneffits. Benefits of the Program are available to U.S. residents only. Roadside Assistance Services: Administered by The American Traveler Motor Club, Inc. Includes 3 services per 12 month period with a maximum benefit of $100 per service. Cellular Telephone Protection: Cellular Telephone Protection is provided by BBVA Compass to ClearBenefits’ accountholders at no additional cost. This coverage is underwritten by Indemnity Insurance Company of North America. You will receive no more than the purchase price less a $50 co-payment, as recorded on your submitted request. Includes up to 2 claims per 12 month period. Please refer to the Guide to Benefits for an explanation of benefit terms, limitations and exclusions. BBVA Compass Professional Program (Page 11): Eligible applicants include resident or practicing physicians, attorneys, oral surgeons and dentists, and CPA’s. All checking accounts subject to approval, which may include credit approval. Equity Optimizer® Line of Credit Home Equity Loan: All credit cards, loans, and lines are subject to program eligibility, underwriting requirements and approval, including credit approval. Offer available in Alabama, Arizona, California, North Florida, New Mexico and Texas. Not available in Colorado. Visa Signature® Credit Card: Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholder’s behalf. Earn 1 CompassPoint for every $1 you spend on qualifying purchases. Points only accumulate on Qualifying Purchases. Outside of special promotions, points do not accumulate on cash advances, balance transfers, or convenience check transactions. It may take up to 45 days for bonus points to be awarded. Account must be in good standing to earn and redeem points. For more information about Qualifying Purchases and CompassPoints, visit www.bbvacompass.com/rewards. Professional Mortgage Loan: Collateral, Loan To Value (LTV) and other requirements, including federal and state laws, apply. Eligible properties must be located in Alabama, Arizona, California, Colorado, Central Florida, North Florida, New Mexico or Texas where BBVA Compass has a market presence. Premier Personal Banking (Page 11): BBVA Compass Premier Personal Banking enrollment is subject to eligibility. BBVA Compass reserves the right to review eligibility for Premier Personal Banking status on a periodic basis. BBVA Compass may, in its sole discretion, enroll clients in Premier Personal Banking program, regardless of whether the client otherwise meets the eligibility requirements, and may impose lesser requirements to maintain Premier Personal Banking status. BBVA Compass Premier Personal Banking program is subject to change or termination at any time, without notice to you. Qualifying balances for BBVA Compass Premier Personal Banking program: deposit and investment balances. Deposit balances include consumer checking, savings, money market accounts, CDs and MarketLink CDs held at BBVA Compass. Investment balances include securities products such as variable annuities, brokerage accounts and IRA’s that are offered through BBVA Securities Inc., member FINRA and SIPC, and an affiliate of BBVA Compass as well as fixed annuities offered through BBVA Compass Insurance Agency, Inc., an affiliate of the BBVA Compass. Financial Advisor: Schedule a Meeting with a Financial Advisor to review your current financial situation and to consider your future needs, goals and objectives. Securities and investment products are offered through BBVA Compass Investment Solutions, a division of BBVA Securities 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. Compass Bank and its affiliates are not affiliated with MoneyGuidePro. The projections and other information generated by MoneyGuidePro regarding the likelihood of various investment outcomes are hypothetical in nature, are not guarantees of future results and do not reflect actual investment results. BBVA Compass Select Credit Card: All credit cards are subject to approval, including credit approval. APR for Purchases and Balance Transfers: 13.24% to 17.24% variable, based on creditworthiness. Cash Advance APR: 22.24% variable, based on creditworthiness. Minimum Interest Charge: $1. Annual Fee: $0 for the first year the account is open, then $125 each year thereafter. The Annual Fee is always waived for Premier Personal Banking members. Cash Advance and Balance Transfer Fee: Either $10 or 4% of the amount of each transaction, whichever is greater. Foreign Transaction Fee: None. Platinum Visa Debit Cards: Members of the Premier Personal Banking program must have a Platinum Visa Debit Card to receive these benefits. Platinum Visa Debit Cards are available upon request. Visa Debit Cards are subject to approval, which may include credit approval. Platinum Visa Debit Cards are not available to NBA Checking accountholders. Certain terms, conditions and exclusions apply to the Visa Debit Card benefits. Please refer to your Guide to Benefits for further details. Safe deposit boxes: are subject to availability. Everyday Hero (Page 11): BBVA Compass ClearChoice Free Checking: To qualify for this account, the primary accountholder must be an everyday hero. An “everyday hero” is: (1) a certified teacher or administrator of an accredited or state-recognized public or private school; (2) a sworn member of a law enforcement department that is responsible for crime detection, prevention, law enforcement or incarceration; (3) a sworn member of a fire department involved in fire suppression or prevention, emergency medical response, hazardous materials response, terrorism response or management; (4) a health care worker who is certified, accredited or licensed to work in the health care industry as a nurse, pharmacist or medical technician; or (5) a person who has served or is currently serving in the U.S. Military: active, retired or reserved duty. ID or other verification may be required. BBVA Compass reserves the right to review everyday hero status on a periodic basis. BBVA Compass Checking account with an Everyday Hero Occupation Code is required. All checking accounts and Debit Cards are subject to approval, which may include credit approval. $25 minimum opening deposit required. Please refer to the Terms & Conditions for each product or service for additional details. Additional terms, transaction limits and miscellaneous fees may apply. Products, features, and benefits offered with accounts are subject to change. BBVA Compass ClearChoice Savings Accounts: $25 minimum opening deposit required. Accounts are subject to approval, which may include credit approval. Additional terms may apply. Additional fees may apply. Refer to the Terms and Conditions (account disclosure) for details. No Service Charge if, at the time the Service Charge would be assessed, you have an automatic, recurring monthly transfer of $25 or more from your BBVA Compass consumer checking account to your BBVA Compass ClearChoice Savings account. Otherwise there is a $500 minimum daily collected balance to avoid the Service Charge of $15 per quarter. Credit Card: BBVA Compass Checking Account with Everyday Hero Occupation Code required. ClearPoints or Visa Signature credit cards must be opened within 60 calendar days of opening the checking account to qualify for Everyday Heroes special offers. The account-holder has 30 calendar days after opening the credit card to make a minimum of $500 in qualifying purchases in order to qualify for the bonus 5,000 CompassPoints. This Everyday Hero credit card offer cannot be combined with any Workplace Solutions or Professional Program discounts, but may be combined with any other in-branch offers. All credit cards subject to approval, including credit approval. Purchase and Balance Transfer APR: 9.24% to 23.24% variable, based on creditworthiness. A fee of $10 or 4% of the transaction amount, whichever is greater, will apply to each balance transfer. Cash Advance APR: 22.24% to 27.24% variable, based on creditworthiness. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in US dollars. Min Interest Charge: $1. If you take advantage of any promotional APR Balance Transfer/convenience Check/Cash Advance offers from BBVA Compass, you may lose your grace period on new Purchases. That is because you must pay your entire balance each month, including any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. Please see credit card terms and conditions. Visa Signature Credit Cards: Other limits, restrictions and exclusions apply. Individual transactions are evaluated by BBVA Compass based on various credit and risk factors. If BBVA Compass authorizes a transaction that causes you to exceed your Credit Access Line, then you must pay, as a part of your next monthly minimum amount due, the full amount by which your new balance exceeds your Credit Access Line before any further charges can be honored. Promotional offers subject to change without notice. Offer excludes BBVA Compass employees. Everyday Hero Loan Discount: Loan Rate Discounts: Offer and rate discounts subject to change without notice. Loans subject to program eligibility, underwriting, collateral requirements, and approval, including credit approval. Everyday Hero coded consumer checking account required. The Everyday Hero rate discount cannot be combined with any other promotional discount, Branch Empowerment Tool, or Professional Program discounts. Floor rate applies to home equity lines of credit. Home Equity: All loans and lines of credit subject to program eligibility, underwriting, collateral requirements, and approval, including credit approval. Must have a Everyday Hero coded consumer checking about to be eligible. Home Equity rate discounts can be combined with the auto debit discount. However it cannot be combined with any other promotional rate discount, Branch Empowerment Tool or Professional Program discounts. Account offerings subject to change. Everyday Hero consumer checking accounts require a $25 minimum opening deposit. Miscellaneous fees may apply. Offers expire April 30, 2016. Signature Express: All loans are subject to eligibility, underwriting and approval, including credit approval. The offered APR will vary between 8.02% and 30.69% APR based upon creditworthiness, loan amounts, term length, and amount of Interest Surcharge. Payment examples and quoted APRs do not include discounts. Enrollment in auto-debit loan payments from a BBVA Compass checking account is required to receive a 1.00% rate discount and the BBVA Checking Account must be opened prior to the loan being finalized. The loan must be at least $10,000 and the term must be at least 36 months to receive the .50% rate discount. Enrollment in the Everyday Hero Program at the time the loan in finalized is required to receive the .25% rate discount. Must have an EverydayHero coded consumer checking account to be eligible for the discount. Interest Surcharges will be refunded on a pro-rated basis if the loan is repaid within 90 days but the bank will always retain a minimum of $25 of the Interest Surcharge. All credit cards, loans and lines of credit are subject to approval, including credit approval. All Mortgage Loans subject to program eligibility, collateral, underwriting and approval, including credit approval. For customers with excellent credit, a 24 month loan for $10000 and an APR of 8.74% will have 24 monthly payments of $452.23 and an Interest Surcharge of $75 payable at closing. 28


BBVA Compass ClearChoice Premium Checking (Page 11, 14): Mobile Banking and Alerts: Message and data rates may apply. Please check with your wireless carrier about such fees. ATM Fees: Service fees charged by other banks and ATM owners still apply; however, there will be no charge for use of an ATM in the Allpoint® network. Allpoint® is a registered trademark of Cardtronics, Inc. Personalized Debit Card (Bold & Italicize): One complimentary per accountholder at no additional charge. $10 per each additional card. Service Charge Waiver: Upon request, the primary accountholder of a BBVA compass ClearChoice Premium Checking account will receive a waiver of the monthly Service Charge for one BBVA Compass ClearChoice Money Market account. Primary accountholder of the BBVA Compass ClearChoice Premium Checking account also must be an accountholder on the BBVA Compass ClearChoice Money Market account in order to receive the waiver. Deposit and Loan Balance: For purposes of determining whether the monthly Service Charge for BBVA Compass ClearChoice Premium Checking applies, only consumer deposit accounts and installment loans for which you are listed as the primary depositor or borrower (the depositor or borrower whose social security number is identified on the account) will be used in determining the combined deposit or outstanding loan balance. All loans are subject to approval, including credit approval. Allpoint® is a registered trademark of Cardtronics, Inc. BBVA Compass Equity Optimizer® Home Equity Line of Credit (Page 11, 24): All home equity loans and lines of credit are subject to program eligibility, underwriting and collateral requirements and approval, including credit approval. BBVA Compass must receive a valid first or second real estate lien on a primary residence occupied by the borrower. Offer does not include manufactured homes. Property insurance required including flood insurance, where applicable. Texas Residents Only: State law prohibits credit card access to your line of credit and requires a $4,000 minimum per advance. Closing Costs: Bank paid closing cost offer requires the borrower to complete at least a $10,000 draw within 30 days of account opening which must remain outstanding for 90 days (not applicable for Texas HELOCs due to Texas law). The offer is not valid for purchase money seconds Loans and Lines of Credit. A higher rate may 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 minimum draw requirement is not met or if the borrower pays the loan/line in full within two years (not applicable in Texas). BBVA Compass Select Credit Card (Page 11, 21): The BBVA Compass Select Credit Card may not be available to residents of all states. All credit cards subject to approval, including credit approval. Purchase and Balance Transfer APR: 13.24% to 17.24% variable, based on creditworthiness. Cash Advance APR: 22.24% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. Minimum Interest Charge: $1. Annual Fee: $125, waived for the first year the account is open. Foreign Transaction Fee: None. For BBVA Compass Visa Select Credit Cards, there is no expiration date on points as long as the credit account remains active for 12 consecutive months. If an account becomes inactive, expiration begins 3 years from the inactive date. CompassPoints® earned by the Select Card can be redeemed at any points level without meeting required thresholds for gifts such as merchandise, travel, account credits, gift cards, or special promotional offers by visiting www.bbvacompass.com/selectrewards or by calling the toll-free number provided. BBVA Compass Select Credit Card account cardholders will earn a $200 account credit after making $2,000 in qualifying purchases with their card. CompassPoints Rewards are only earned on qualifying purchases. Qualifying Purchase: A “Qualifying Purchase” is any signature-based purchase, internet purchase, phone or mail order purchase, bill payment, or contactless purchase made with your BBVA Compass Visa Card. Please see bbvacompass.com/selectrewards for complete Terms and Conditions. Visa Signature benefits including Luxury Hotel Collection membership, 24/7 Concierge, roadside assistance, travel and emergency assistance services, warranty manager service, auto rental collision damage waiver, lost luggage reimbursement, purchase security, trip cancellation/trip interruption, price protection, and Zero Liability. Visa Zero Liability covers U.S. – issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify BBVA Compass promptly of any unauthorized use. Consult BBVA Compass for additional details or visit visa.com/security. See your Visa Cardholder Agreement for further details. NBA Checking and BBVA Compass American Express Card (Page 13): NBA Checking: Mobile Banking and Alerts: Message and data rates may apply. Please check with your wireless carrier about such fees. Statements: You will automatically receive a paper account statement by mail with a monthly Paper Statement Fee of $3.00. You can avoid this fee by turning off paper statements and receiving your account statement electronically through Online Banking. Visit bbvacompass.com/go/paperless for more information. Rewards: Terms and conditions for each game will be provided at the time of game Activation. Available games may vary from time to time. Each game can be activated only once per accountholder.(bold) BBVA Compass American Express Card: All credit cards subject to approval including credit approval. Promotional offers subject to change without notice. Annual APR for Purchases: 0% introductory APR for six months. After that, your APR will be 9.24% to 29.24% variable, based on your creditworthiness. Annual APR for Balance Transfers: 0% introductory APR for 12 months. After that, your APR will be 9.24% to 29.24% variable, based on your creditworthiness. Balance transfers must be requested within 30 days of account open date to qualify for introductory rate. A fee of $10 or 4% of the transaction amount, whichever is greater, will apply to each balance transfer. Cash Advance APR: 22.24% to 29.24% variable, based on creditworthiness. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction. *The Foreign Transaction Fee of 3% applies to each transaction made (1) in a foreign currency, (2) outside of the United States (including charges made from websites outside the United States), or (3) with a foreign merchant, even if that transaction is made in U.S. dollars. For each such transaction, American Express retains 1% of the transaction amount and BBVA Compass retains 2%. For transactions made in a foreign currency, the 3% fee is assessed after conversion to U.S. dollars. We may charge a Foreign Transaction Fee for each transaction (including returns or refunds) at the time we add the transaction to your Account. If you take advantage of any promotional APR Balance Transfer/convenience Check/Cash Advance offers from BBVA Compass, you may lose your grace period on new Purchases. That is because you must pay your entire balance each month, including any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. For complete terms and conditions regarding the TripleDouble Points including qualifying purchases, please visit www.bbvacompasspointsrewards.com/TripleDoubleRewards Emergency Assistance is provided by AXA Assistance USA Extended Warranty and Retail Protection are provided by Virginia Surety Company, Inc. ID Theft Insurance, Travel Accident Insurance, and US & Canada Car Rental Loss & Damage Insurance is Underwritten by FEDERAL INSURANCE COMPANY, a member insurer of the Chubb Group of Insurance Companies Subject to exclusions. Mobile Banking (Page 13-19): Mobile Deposit® is subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. See Terms of Use for details, including information on funds availability. App Store is a trademark of Apple, Inc., registered in the U.S. and other countries. Android™ and Google Play™ are trademarks of Google, Inc. Use of these trademarks is subject to Google Permissions. Mobile Deposit® is a registered trademark of Mitek Systems, Inc. The Trademarks BlackBerry® and Blackberry App World™ are owned by Research In Motion Limited and are registered in the United States and may be pending or registered in other countries. BBVA Compass is not endorsed, sponsored, affiliated with or otherwise authorized by Research In Motion Limited. Text Message Alerts (Page 13, 18-22): Message and data rates may apply. Please check with your wireless carrier about such fees. Checking Accounts: (Page 14-15): Checking accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Pleas refer to account Terms and Conditions for additional details. Consumer Checking Account Chart (Page 14-15): Statements: You will automatically receive a paper account statement by mail. To turn off paper statements and receive statements electronically through Online Banking visit bbvacompass.com/go/paperless. NBA Checking and Easy Checking accountholders will be subject to a monthly Paper Statement Fee of $3.00. You can avoid this fee by turning off paper statements as described above. Personalized Debit Card: Accountholders with a BBVA Compass consumer checking account other than Easy Checking will receive one complimentary personalized debit card per account; $10 fee for each additional personalized debit card. Easy Checking accountholders will receive one complimentary BBVA Compass Debit Card; $10 for each personalized Debit Card. Custom Features: ATM Transactions, Check Supply and Cashier’s Checks: These Custom Features cannot be de-selected for minimum of six (6) months from date of selection (for example, if a Custom Feature is selected on January 15, 2015, it cannot be de-selected until July 15, 2015). Shipping and handling fees for check orders apply. BBVA Compass ClearBenefits: You must have a BBVA Compass consumer checking account to enroll in BBVA Compass ClearBenefits. The monthly fee for the Program is $5.00. Please see the Enrollment Kit at bbvacompass.com/clearbenefits for additional information about the program and complete details about the program benefits. Please visit your local BBVA Compass branch to enroll in BBVA Compass ClearBeneffits. Roadside Assistance Services: Administered by The American Traveler Motor Club, Inc. Includes 3 services per 12 month period with a maximum benefit of $100 per service. Cellular Telephone Protection: Cellular Telephone Protection is provided by BBVA Compass to ClearBenefits’ accountholders at no additional cost. This coverage is underwritten by Indemnity Insurance Company of North America. You will receive no more than the purchase price less a $50 co-payment, as recorded on your submitted request. Includes up to 2 claims per 12 month period. Please refer to the Guide to Benefits for an explanation of benefit terms, limitations and exclusions. NBA Checking Rewards: Terms and conditions for each game will be provided at the time of game Activation. Available games may vary from time to time. Each game can be activated only once per accountholder. Savings Account Chart (Page 16-17): All savings, money market and CD accounts subject to approval. $25 minimum opening deposit required for savings and money market accounts. $500 minimum opening deposit required for CDs. Products, features, benefits and rates offered with accounts are subject to change. Miscellaneous fees may apply. Please refer to the Terms & Conditions (account disclosure) for each product for complete details. Savings and money market accounts: Withdrawal transactions from a savings 29


or money market account are governed by federal law and, if transaction limitations are exceeded, an account could be reclassified as non-interest bearing. Federal law limits transfers to another deposit account with BBVA Compass or to a third party by means of a preauthorized agreement, telephonic request, check, debit card, draft or similar order (including Online Banking transfers and sweep transfers from the account) to a total of six (6) per month. There is no limit on the number of withdrawals from the account when made in person at a BBVA Compass banking office or at an automated teller machine. Withdrawal transactions subject to Excessive Transaction Fees. Young Savers: To qualify for Young Savers, the primary accountholder must be under the age of 19. CDs: BBVA Compass opens CD accounts that have no certificate known as Time Deposits or TDs; $2,500,000 maximum deposit for CDs. Build My Savings Match Bonus: Annual Percentage Yield (APY) for Build My Savings account is 0.05%. APY accurate as of 5/1/2015. Limit 1 Build My Savings account per household. Fees could reduce the earnings on the account. APY is variable and may change after the account is opened. Initial transfer to start your plan must occur within 30 calendar days of Build My Savings account opening. Match Bonus will be paid to the Build My Savings account within 30 calendar days following the end of the savings plan term, either 6 or 12 months, determined at account origination. If, for any reason, you do not meet any aspect of your Savings Plan, you will not be eligible for a Match Bonus. Match Bonus may be subject to IRS tax reporting. Money® magazine’s Best Banks 2015-2016 (Page 18): From MONEY, November 2015 © 2015 Time Inc. Used under license. MONEY and Time Inc. are not affiliated with, and do not endorse products or service of, BBVA Compass. BBVA Compass ClearPoints and Visa Signature Credit Cards (Page 20-21): All credit cards subject to approval, including credit approval. The Introductory APR for Purchases will apply through the end of the 6th billing cycle after the account is opened for all Purchases posted to the account within the same period. The Introductory APR for Balance Transfers will apply through the end of the first year after the account is opened for all Balance Transfers requested within 30 days of account opening. After that, Purchase and Balance Transfer APR: 9.24 % to 23.24% variable based on creditworthiness. A fee of $10 or 4% of the transaction amount, whichever is greater, will apply to each balance transfer. Cash Advance APR: 22.24% to 27.24% variable, based on creditworthiness. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. If you take advantage of any promotional APR Balance Transfer/convenience Check/Cash Advance offers from BBVA Compass, you may lose your grace period on new Purchases. That is because you must pay your entire balance each month, including any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions. Foreign Transaction Fee: 3% of each transaction in US dollars. Minimum Interest Charge: $1. Please see credit card terms and conditions. Visa Signature Credit Cards: Other limits, restrictions and exclusions apply. Individual transactions are evaluated by BBVA Compass based on various credit and risk factors. If BBVA Compass authorizes a transaction that causes you to exceed your Credit Access Line, then you must pay, as a part of your next monthly minimum amount due, the full amount by which your new balance exceeds your Credit Access Line before any further charges can be honored. BBVA Compass Credit Cards (Page 20-21): Please see credit card terms and conditions. Visa Signature Credit Cards: Other limits, restrictions and exclusions apply. Individual transactions are evaluated by BBVA Compass based on various credit and risk factors. If BBVA Compass authorizes a transaction that causes you to exceed your Credit Access Line, then you must pay, as a part of your next monthly minimum amount due, the full amount by which your new balance exceeds your Credit Access Line before any further charges can be honored. BBVA Compass Optimizer Secured Credit Card (Page 21): All credit cards subject to approval, including credit approval. Purchase and Balance Transfer APR: 16.24% variable. Cash Advance APR: 25.24% variable. Cash Advance Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater. Balance Transfer Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Annual Fee: $40. Minimum Interest Charge: $1. Mortgage (Page 22-23): All loans subject to eligibility, collateral, underwriting and approval, including credit approval. Home Ownership Made Easier (HOME): Program applies to first lien residential mortgage loans to purchase a primary residence in AL,AZ, CA, CO,FL,NM, & TX. For properties located outside of LMI census tracts (to determine see http:// www.ffiec.gov/Geocode/default.asp) the maximum borrower income cannot exceed 80% of the HUD median income. All loans subject to program eligibility, underwriting and collateral requirements and approval, including credit approval. Home Equity Loans and Home Equity Lines of Credit (Page 24): All loans and lines of credit are subject to approval, including credit approval. BBVA Compass will pay all closing costs for loan amounts ranging between $10,000 and $500,000. The offer is valid for all HELOCs and HELoan available programs with the exception of PM2 Lines of credit and loans. The borrower must take a draw of $10,000 within 30 days of closing that remains outstanding for 90 days (not applicable for Texas HELOCs).. Bank paid closing cost will be recouped if the minimum draw requirement is not met or if the line/loan is closed within 24 months of inception (Except for Texas HELOCs due to Texas law). Auto Loan (Page 17): All loans subject to eligibility, collateral, underwriting and approval, including credit approval. A BBVA Compass consumer checking account must be opened prior to the loan being finalized and the auto loan payment must be auto-debited from the BBVA Compass consumer checking account in order to qualify for this rate offer. Applicants who do not have their auto loan payment auto-debited from a BBVA Compass consumer checking account or, do not qualify for the rate offer will receive the standard auto loan rates. Simplified Line of Credit (Page 27): All lines subject to approval, including credit approval. Account must be opened between January 1, 2016 through March 31, 2016 to be eligible for this offer. Advance fee will be waived only on advances requested within 30 days of account open date. Otherwise, an advance fee of 3% of the amount of each transaction will apply. APR for Advances: 9.24% to 23.74% variable, based on creditworthiness. Minimum advance amount: $1,000. Late Payment Fee: $39. Returned Payment Fee: $25. Signature Express Loan (Page 27): Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered APR will vary between 8.02% and 30.69% APR based upon creditworthiness, loan amounts, term length, and amount of Interest Surcharge. Payment examples and quoted APRs do not include interest rate discounts. Enrollment in auto-debit loan payments from a BBVA Compass checking account is required to receive a 1.00% interest rate discount and the BBVA Checking Account must be opened prior to the loan being finalized. The loan must be at least $10,000 and the term must be at least 36 months to receive the .50% interest rate discount. Enrollment in the Premier Personal Banking Program at the time the loan is finalized is required to receive the .25% interest rate discount. Interest Surcharges will be refunded on a pro-rated basis if the loan is repaid within 90 days but the bank will always retain a minimum of $25 of the Interest Surcharge. If customer has payments auto-debited from BBVA Compass consumer checking account, then a 1.00% interest rate discount will apply. If customer is a part of the Premier Personal Banking program, then a 0.25% interest rate discount will apply. If customer’s loan is for more than $10,000 and at least 36 month term, then a 0.50% interest rate discount will apply. Additional Interest Surcharge payable at closing: If loan is between $2,000 - $4,999, then a $15 interest surcharge applies. If loan is between $5,000 - $7,499, then a $30 interest surcharge applies. If loan is between $7,500 - $9,999, then a $50 interest surcharge applies. If loan is $10,000 or greater, then a $75 interest surcharge applies. Payment Examples: For customers with sub-prime credit, the available amounts a 24 month loan for $10000 and an APR of 22.78% will have 24 monthly payments of $518.73 and an Interest Surcharge of $75 payable at closing. For customers with acceptable credit, a 24 month loan for $10000 and an APR of 14.76% will have 24 monthly payments of $480.08 and an Interest Surcharge of $75 payable at closing. For customers with good credit, a 24 month loan for $10000 and an APR of 11.75% will have 24 monthly payments of $466.03 and an Interest Surcharge of $75 payable at closing. For customers with excellent credit, a 24 month loan for $10000 and an APR of 8.74% will have 24 monthly payments of $452.23 and an Interest Surcharge of $75 payable at closing. Payment Example: For customers with super sub-prime credit a 72 month loan for $10,000 and an APR of 30.69% will have 72 monthly payments of $303.01 and an Interest Surcharge of $75 payable at closing. Investment and Insurance Products are NOT deposits, are NOT FDIC insured, are NOT bank guaranteed, may LOSE value and are NOT insured by any federal government agency. BBVA Compass is a trade name of Compass Bank. Compass Bank is a Member FDIC and an Equal Housing Lender C1 2016 Consumer Magazine / Rev. 09/2015 / #3158 Digital

30


31


#LiveBright