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The Professional Program

Special Mortgage Financing for Professionals

Presented By: Cindy Tuttle, CMPS

Professionals have different needs, that’s why we’re offering special mortgage financing.

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The Professional Program• Our special home financing program is designed

specifically to meet your needs as a busy professional for the purchase of your primary residence.

• Refinances with high loan-to-values are also available.

The Professional ProgramEligible Borrowers

• BBVA Compass is one of the few lenders who offer the Professional Program.

• Eligible borrowers include resident or practicing–

• Attorneys• Physicians• Oral Surgeons• Dentists• CPAs • CEOs, CFOs, CIOs, COOs

and Chairmen of publicly traded companies

• Executives in direct report to CEOs of publicly traded companies

Now BBVA Compass can help you reap the rewards of your efforts and purchase a home with no down payment.

The Professional ProgramFinancing Options

• Financing available with no down payment – up to $1,000,000.

• Expansion of loan-to-value ratios for loan amounts up to $1,750,000.

The Professional ProgramMortgage Insurance

• Private mortgage insurance is not required

• Save thousands over the life of the loan

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The Professional ProgramEligible Properties

Eligible Properties include – • Single Family Homes• Townhomes• Lofts• Condominiums

The Professional ProgramQualifying Ratio

Student loans that are deferred for 12 months are not counted in qualifying ratio.

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BBVA Compass offers even more product solutions to our customers.

Check out additional Professional Products built for you.

The Professional ProgramHome Equity Solutions for Professionals*

Our Equity Optimizer® Line of Credit, Home Equity Loan and Home Improvement Loan offer competitive rates and are smart ways to put the equity in your home to work for you. From covering large expenses – like auto repairs or adding on to your home – to consolidating debt, we can help.

• Financing available in amounts up to $1,750,000• Low variable rates with fixed-rate option available for

lines of credit; low fixed-rates for loans• Our innovative home improvement loan enables you to

access the anticipated increased equity in your home before the improvements are even made

*All loans and lines or credit subject to approval, including credit approval. Program eligibility, collateral and underwriting requirements apply.

The Professional ProgramUnsecured Line of Credit for Professionals*

One of the many rewards of achieving your professional goals is the ability to pursue your personal goals. When opportunities arise, we can help you take advantage of them with flexible lending and credit options.

• Credit limits from $35,000 to $150,000• Low variable rate with interest-only payment periods

available• Unsecured• Access money when you need it• BBVA Compass relationship required1

*All loans and lines or credit subject to approval, including credit approval. Program eligibility, collateral and underwriting requirements apply. 1 Unsecured lines require a) auto debit of monthly payment from a BBVA Compass checking account, b) one additional qualifying BBVA Compass product/service (ask financial representative for complete list) and c)consumer or small business deposits totaling $10,000 or more. Other BBVA Compass products with different requirements are available.

The Professional ProgramUnsecured Loan Solutions for Professionals*

Our unsecured loan may just be the solution you need, and no collateral is required.

• Available in amounts up to $150,000• Low fixed-rates available with a variety of loan terms• No application or origination fees• Receive loan proceeds in one-time lump sum• BBVA Compass relationship required1

• Monthly payments conveniently auto debited from your BBVA Compass account

*All loans and lines or credit subject to approval, including credit approval. Program eligibility, collateral and underwriting requirements apply. 1 Unsecured lines require a) auto debit of monthly payment from a BBVA Compass checking account, b) one additional qualifying BBVA Compass product/service (ask financial representative for complete list) and c)consumer or small business deposits totaling $10,000 or more. Other BBVA Compass products with different requirements are available.

The Professional ProgramPremium Credit Card for Professionals*

BBVA Compass offers premium benefits that go beyond the ordinary. The Visa Signature® Credit Card offers a wealth of privileges, perks and premier services, along with the CompassPoints® Rewards Program.

• No pre-set spending limit1

• Access through convenience checks, ATMs and on-line credit card banking services

• See more on next slide

*All credit cards, loans, and lines subject to program eligibility, underwriting requirements and approval, including credit approval. 1 Other limits, restrictions andexclusions may apply. Individual transactions are evaluated by BBVA Compass based on various credit and risk factors. If BBVA Compass authorizes a transactionthat causes you to exceed your credit limit, then you must pay, as part of your next monthly minimum amount due, the full amount by which your new balanceexceeds your credit limit.

The Professional ProgramPremium Credit Card for Professionals, continued

• Enjoy special benefits provided by Visa, including complimentary discounts, travel upgrades and 24-hour complimentary concierge service to assist with travel plans and dining reservations, saving you time and money2

• Security features that help protect you from fraud and identity theft

• Accumulate CompassPoints3 and redeem your account credits for dining cards, travel options and name brand merchandise.

2 Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholder’s behalf. 3 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.

CompassPoints® ProgramEnjoy the Rewards of CompassPoints

• It’s easy to reward yourself online with the many choices available.

• Reward yourself with:– Airline Tickets– Merchandise– Hotel Certificates– Vacation and Cruises– Retail Gift Cards

• CompassPoints Terms and Conditions• CompassPoints Redemption Catalog

BBVA Compass WebsiteTo learn more visit our site, www.bbvacompass.com

The Professional ProgramQuestions

For information on how you can take advantage of the products and services available through BBVA Compass, give me a call today.

Cindy Tuttle, CMPSMortgage Banking Officer

Direct: 512.431.9965Fax: 877.411.3752Email: cindy.tuttle@bbvacompass.comWeb: www.bbvacompass.com/mortgage/ctuttle

All loans subject to approval, including credit approval. 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. BBVA Compass is a trade name of Compass Bank, Member FDIC.