BBVA Compass ClearChoice Money Market

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1 BBVA Compass ClearChoice Money Market Account Disclosure - Texas Minimum deposit needed to open account $25 Monthly Service Charge $15 Ways to avoid monthly Service Charge (1) Daily Collected Balance of at least $10,000 in this account; or (2) Have an automatic, recurring monthly transfer of at least $25 from a BBVA Compass checking account to your savings account when the Service Charge would be assessed. Does the account earn interest? Yes Interest is earned on the entire account balance. For additional interest rate and interest calculation information, see the account disclosures and Relationship Summary Form. How often will statement be available? Monthly Excess Transaction Fee $10 Charged for each withdrawal over 6 per statement cycle For each paid item presented against insufficient funds ACCOUNT OPENING AND USAGE Insufficient (NSF) Funds Charge- Paid Item Insufficient (NSF) Funds Charge- Returned Item $38 $38 Insufficient Funds (NSF) Charge Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less. For each returned item presented against insufficient funds Extended Overdraft Service Charge $25 Charged when your account remains overdrawn by more than $1.00 for ten (10) consecutive calendar days. An additional $25 Extended Overdraft Service Charge will be charged if your account remains overdrawn by more than $1.00 for twenty (20) consecutive calendar days. Deposit Item Returned Fee $12* For each item that you deposit that is rejected by the payor bank ($25 for foreign items) *Effective 5/1/18, the Deposit Item Returned Fee will increase to $15.00 per item. Stop Payment Fee $32 For each request made by telephone or in-branch $25 For each request made in online banking Early Account Closing Fee $25 If account closed within 180 days of opening Dormant Account Fee $5 Per month

2 Other Service Fees Please consult your account disclosure for a list of additional service fees TRANSACTION LIMITS Federal law governs withdrawal transactions from this account. And if transactions exceed limits, the account could be reclassified as non-interest bearing. Federal law limits transfers to another deposit account with BBVA Compass or to a third party to a total of 6 per month. These transfers include: preauthorized agreement, telephone request, check, check card, draft including Online Banking transfers and sweep transfers. There is no withdrawal limit from this account when made in person at a BBVA Compass banking office or at an ATM. Inter-Account Transfers are considered withdrawal transactions subject to these federal transaction limitations. Withdrawal transactions subject to Excess Transaction Fees described above and in your account disclosure. Posting Order The order in which withdrawals and deposits are processed We process and post transactions - both credits (including deposits) and debits - throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity. Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day. PROCESSING POLICIES Summary of Our Deposit Hold Policy When funds deposited to your account are usually available for deposits less than $5,000 and absent exceptional circumstances - see the Consumer Deposit Account Agreement for a detailed description of our policy Cash deposit with Teller or ATM: same business day as the day of deposit Direct deposit or wire transfer: same business day as the day of deposit Check deposit with Teller or ATM: same business day as the day of deposit If something causes a longer hold on a deposit, the first $200 of that deposit will generally be made available the same business day as the day of deposit. A "business day" is a non-holiday weekday. At branches, business days end at closing time. At ATMs business days end no earlier than 8:30 p.m. DISPUTE RESOLUTION Dispute Resolution Agreement If a dispute arises between us, you or we may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details.

3 Full Terms & Conditions Minimum Opening Deposit $25 Service Charge $15 per month Service Charge will not apply in statement cycles when: (1) You maintain a minimum daily Collected Balance of $10,000 or more in your BBVA Compass ClearChoice Money Market account; OR ACCOUNT OPENING AND MAINTENANCE (2) You have an automatic, recurring monthly transfer of $25 or more from a BBVA Compass checking account to your BBVA Compass ClearChoice Money Market account in effect at the time the service charge would be assessed. Statement Cycle Monthly Paper Statement Fee Early Account Closing Fee $25 The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening. Dormant Account Fee $5 per month Excess Transaction Fee $10 Excess Transaction Fee charged for each withdrawal transaction in excess of 6 per statement cycle HOW INTEREST IS EARNED ON YOUR ACCOUNT The daily balance method is used to calculate interest on your account. This method applies a daily periodic rate to the daily Collected Balance in the account each day; the rate for the tier corresponding to your daily Collected Balance will be applied to your entire daily Collected Balance. Interest on deposits begins to accrue no later than the business day on which we receive credit for the deposit. Accrued interest is credited to the balance in the account on the first business day of the following statement cycle. Accrued interest that is credited to the balance in the account begins to earn interest no later than the next business day and compounds with each statement cycle. Statement cycles are generally quarterly, unless otherwise disclosed. If you close your account or convert your account to a non-interest bearing account before accrued interest, if any, is credited, you will not receive the accrued interest. A taxpayer identification number will be required to earn interest on these accounts. Collected Balance is your account balance minus any funds you have deposited that have not been collected from the financial institution on which the deposited funds are drawn. TRANSACTION LIMITS FOR SAVINGS AND MONEY MARKET ACCOUNTS Federal law governs withdrawal transactions from this account. And if transactions exceed limits, the account could be reclassified as non-interest bearing. Federal law limits transfers to another deposit account with BBVA Compass or to a third party to a total of 6 per month. These transfers include: preauthorized agreement, telephone request, check, check card, draft including Online Banking transfers and sweep transfers. There is no withdrawal limit from this account when made in person at a BBVA Compass banking office or at an ATM. Inter-Account Transfers are considered withdrawal transactions subject to these federal transaction limitations. Withdrawal transactions subject to Excess Transaction Fees described above and in your account disclosure.

4 Fee to Use BBVA Compass ATMs $0 for using BBVA Compass ATM to complete any transaction. BBVA Compass Fee to Use Another Bank's ATMs $3 per transaction + + ATM and/or service fees charged by other banks and ATM owners still apply. ATM International Service Fee (ATM) 1% of transaction amount International Service Fee (non-atm) 3% of transaction amount International Transactions are those transactions using your ATM or Check Card made outside of the United States, even those in US dollars. A full description of the currency conversion process is contained in your ATM/Check Card Agreement. Insufficient Funds Charge (NSF) - Paid Item $38 per item* Insufficient Funds Charge (NSF) - Returned Item $38 per item *Insufficient Funds (NSF) Charge Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less. OVERDRAFT / INSUFFICIENT FUNDS The NSF charges described above are applied for processing items presented for payment against insufficient funds (NSF) with a maximum of six (6) charges per day. These charges are imposed on items created by check, inperson withdrawal, ATM withdrawal, Check Card transaction, or other electronic means. Inter-Account Transfer Fee $12 per day in which there is a transfer. Transfers funds from customer designated account to cover potential overdrafts in checking account. This fee is charged to the beneficiary checking account. STOP PAYMENT Stop Payment Request (Branch/Phone) Stop Payment Request (Online Banking)(checks only) $32 per request $25 per request $12 per item DEPOSIT Deposit Item Returned Deposit Item Returned (Foreign) Effective 5/1/18, the Deposit Item Returned Fee will increase to $15.00 per item. $25 per item Deposit Item Re-run $7 per item Effective 5/1/18, the Deposit Item Re-run Fee will increase to $9.00 per item.

5 CHECK CARD Personalized Check Card Fee Replacement Card Fee $10 per card $5 ($10 for personalized Check Card) Rush Replacement Card Fee $50 Online Statement (Online Banking is Required) OTHER STATEMENT Statement Upgrade Fee (Image Statement Fee) Special Statement $5 per statement cycle A special statement may include, but not be exclusive to the following: daily statements, duplicate statements, hold statements and statement printouts. WIRE TRANSFER (ALL ARE PER TRANSFER) Domestic: - Incoming (Customer) $15 - Outgoing (Customer) $25 Effective 5/1/18, the Outgoing (Customer) wire transfer fee will increase to $30.00 per item. - Outgoing Repetitive (Customer) $23 Effective 5/1/18, the Outgoing Repetitive (Customer) wire transfer fee will increase to $25.00 per item. International: - Incoming (Customer) $15 - Outgoing (Customer) $45 Confirmation: - Fax/ $3 - Mail/Phone $5

6 Cash Handling Fees: - Rolled Coin $0.10 per roll - Strapped Currency $0.20 per strap - Bank Bags (Zipper) $5 per bag - Bank Bags (Locked) $20 per bag Check Charges: - Temporary Checks $1 each - Personal Checks Personalized check order charges, including tax and shipping and handling, are debited from your account when your order is placed. Check order charges vary. - Cashier's Checks $10each Collection Items (all fees are per item): MISCELLANEOUS - Incoming $20 - Outgoing $20 - Non-Customer $25 - Bond Coupon $5 - International $20 plus costs Deposit Fees: - Deposit Correction Fee $2.50 per item - Deposits to Closed Accounts $25.00 per deposit Legal Fees: - Garnishments, Levies, Court Orders $150 plus attorney fees Reconcilement/Research Fees: - Reconcile Statement $25 per hour - Research $25 per hour - Copy of Fax $3 per page TELEPHONE BANKING Staff-Assisted Call (over 5/month) Telephone Transfer Fee $1 per call over 5 in a month $3 per transfer

7 ONLINE AND MOBILE BANKING Online Banking Online and Mobile Bill Pay Mobile Banking Message and data rates may apply - check with your wireless provider. Applicable Fees and Service Charges Your account will be subject to the terms and conditions, including all fees and service charges, applicable to BBVA Compass accounts in the state where we maintain your account. For purposes of this disclosure, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened: if you opened your account by mail, at the location where the mail was received by us; or if you opened your account electronically (including by telephone) and your address is in a state where we have branch offices, in the state of your address at the time you opened your account; or if otherwise, in Alabama. For additional terms governing your account, please consult the Consumer Deposit Account Agreement. NOTE: The above-noted fees and service charges are not set bank-wide. These prices are driven by the competition in your local market. AS REQUIRED BY FEDERAL LAW, BBVA COMPASS RESERVES THE RIGHT TO REQUIRE AT LEAST SEVEN (7) DAYS NOTICE PRIOR TO WITHDRAWAL OR TRANSFER OF FUNDS FROM THIS ACCOUNT. We reserve the right to change terms, conditions, and/or pricing of our products upon reasonable prior notification. BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC. Rev. 03/ BBVA Compass Bancshares, Inc. Compass Bank is a Member FDIC and an Equal Housing Lender. BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group.