Products detail information

Question 1

Optimizer Secured card

Answer 1

Important Facts

 For the Secured Savings Account initial and additional check deposits from other countries are not allowed  Credit line decreases are not allowed for the Optimizer Card.

 Withdraws from the Secured Savings Account are not allowed. The Optimizer Card should be closed and its balance paid in full and funds in the secured savings will be refunded after 20 business days.

 Hold on secured savings account will be automatically released after 20 Business days. Customer does not have to call in to remove hold.

 The approval of the Optimizer Card is not 100% guaranteed

 The Secured CC Savings Account (Collateral Account) does not have a card (plastic) or checks linked to it, on the actual credit card system you will be able to locate the savings account number that is linked to that specific card (MCGI)

 To release the Secured CC Savings Account funds the customer should close the Optimizer Card and pay its balance in full

 The customer is required to pay the Optimizer Card according to his or her monthly account statement. The funds deposited on the Secured CC Savings Account are not going to be used to pay the Optimizer Card

 It may take up to 30 days from the moment the Secured CC Savings Account is opened to the moment the Optimizer Card is sent to the customer. In addition, please consider 7 to 10 days for the mailing time

 It may take up to 1 to 2 business days (cash deposit or BBVA Compass accounts)) or 10 business days (3rd party banks) for the

Secured CC Savings account to reflect the balance increase.

 Credit line increases to the Optimizer card after deposit to Secured Savings is available, customer is required to call Bankcard department and request credit limit increase. * no credit is pulled , no hard inquiry

 Transfers from the Secured CC Savings Account (Collateral Account) to other account are not allowed through PC Banking or

Customer Service Credit Card website

 Minimum payment is 5% or $10.00 whichever is greater

 Annual fee: $40.00 non-refundable

 Customer does not need to have a SSN, they only need bank to fill out bend-8 forms

Question 2

Select Credit card

Answer 2

Benefits

 No annual fee – You pay no annual fee with the BBVA Compass ClearPoints credit card.

 Access to convenience checks and balance transfers

 CompassPoints Rewards Program – Earn 1 CompassPoint for every $1 you spend on qualifying purchases. Then, redeem for accounts credits. Earn more points at participating retailers.

o Effective October, 20th, 2015, the redemption options on all of our Loyalty Rewards Programs will be updated to replace merchandise and gift rewards with cash-back options. You are required to review the attached job aid for more details by October 20th, 2015

o *Please see job aid for Loyalty Rewards Programs Updates V0.04 – 2015.10.16

 Combine Points – When you have multiple BBVA Compass cards, your points can be combined – so you’re able to reach the rewards you want even faster.

 Free Enrollment – As a cardholder, you are automatically enrolled as a BBVA Compass ClearPoints customer at no additional charge.

 Multiple Payment Options – You can pay by mail, automatic debit, online banking or in a branch.

 E-mail Alerts – Sign up for convenient alerts through email for payment notices, balances and more.

 Add up to 3 additional authorized users

 VISA benefits* (See Appendix: Benefits Matrix)

 Download BBVA Wallet - Redeem your rewards in real-time at any merchant.

Question 3

Select credit card

Answer 3

 No Preset Spending Limit ($25,000.00) o This does NOT mean there is no spending limit –rather that it is not hard coded into the system. Instead, when the customer tries to run the card for an authorization, the system will interpret the customer’s relationship with the bank. If the customer qualifies, a “pad” (cushion) will be allowed to ensure the transaction is covered; otherwise, if the customer does not qualify, the transaction is declined.

o “Pads” are different for different customers and are dynamically set by the system (it may not stay the same for the same customer)

o Atento personnel do not have a way to determine the pad that has been assigned for a customer

 Purchasing Power – No Preset Spending Limit.*** No over-limit fee

 VIP Entertainment

 Complimentary Concierge Service

 No annual fee – You pay no annual fee with the BBVA Compass Visa Signature credit card.

 Access to convenience checks and balance transfers

 Download BBVA Wallet - Redeem your rewards in real-time at any merchant.

Question 4

Vis platinum personal line of credit

Answer 4

Benefits:

 Low variable rates

 Cash rates lower than a regular credit card

 Accepted at over 28 million locations worldwide

 Emergency cash and card replacement services

 Up to $500,000 in travel accident insurance when you use it to buy your travel tickets

 Free pre-trip and emergency travel assistance

 No Convenience Check fee

 Medical referral, legal referral and lost luggage assistance