bbva compass clearbenefits · bbva compass clearbenefits bbva compass is a trade name of ......

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BBVA COMPASS CLEARBENEFITS

BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC. BBVA Compass s Program and provided thereunder are provided and/or administered by International Marketing and Administration Company (“IMAC”). IMAC is n VA Compass.

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For general membership questions call Customer Ser 2856.

This is y rd. e provided through your membership in the American Advantage Association.

This is y rd. e provided through your membership in the American Advantage Association.

Dear BBVA Compass ClearBenefits Member:

Welcome to BBVA Compass ClearBenefitsSM. We’re excited to have you as a part of our benefits program, available for BBVA

Compass consumer checking account holders.

With ClearBenefits, you’ll find valuable benefits and services you can take advantage of right away. Some benefits provide

convenience and savings, while others provide protection and security for you and your loved ones. And for added

convenience, your low $5.00 monthly membership fee will be automatically debited from your BBVA Compass checking

account and appear on your monthly statement. It’s that simple.

You’ll find all of the information you need to access your new BBVA Compass ClearBenefits in this booklet and on the

ClearBenefits website at www.bbvacompassclearbenefits.com. Pay special attention to your ClearBenefits member ID

cards, as they are valuable to you in accessing the benefits and services contained in this program. To receive additional

information about your benefits, please go to www.bbvacompassclearbenefits.com and enter the username and password

on your member ID card. Review your benefit information carefully, and if you have any questions please call the benefits

administrator at 1-855-201-2856. If you wish to cancel your membership visit your local BBVA Compass branch or call

1-800-COMPASS.

Thank you for choosing BBVA Compass for your financial needs, and enjoy your new program benefits.

Sincerely,

BBVA Compass ClearBenefits Plan Administrator

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Automobile Services Roadside Assistance Services

Don’t get stranded. ClearBenefits provides you access to our toll-free dispatch services 24 hours a day, 7 days a week. A

qualified network service provider will be dispatched to the location of your vehicle for towing, fuel delivery, extrication

(winching), tire changes, lock outs or jump starts. Once you have been a ClearBenefits member for 30 days, you are eligible

for 3 paid services per year with a maximum benefit of $100 per service.

Benefits of the ClearBenefits Program are available to U.S. residents only.

Benefit DetailsRoadside Assistance Service is activated and available for use after 30 days of active membership.

These roadside assistance services are provided as part of your Membership and are administered by The Nation Motor Club,

LLC. These services are activated and available for use on the one-month anniversary date of membership and for as long as

your Membership is in force thereafter. Roadside assistance services are available 24 hours per day, 7 days per week in the

United States, Canada, and Puerto Rico.

Your membership includes three (3) emergency roadside and/or towing services per year and covers all members of the

primary member’s immediate family living in the same residence. (Each service delivered counts as one (1) service. Services

provided at the Member’s expense are not counted as a service delivery.) You are limited to a combined total of three

(3) Emergency Roadside Assistance incidences per membership year. Emergency roadside assistance is designed for the

member whose vehicle has an emergency condition and should not be construed as a repair or maintenance service. (The

American Traveler Motor Club, Inc. is not responsible for any damage caused by any service station or towing service.)

• Vehicle Towing Service: If your vehicle cannot be started or will not operate under its own power without causing

damage, your vehicle will be towed to your preferred destination. Maximum tow distance is 15 miles from the location

of the vehicle. One tow per disablement permitted. (Additional accommodations or services may be arranged at

your request and expense.)

• Flat Tire Service: If your tire becomes flat or disabled, resulting in the immobilization of your vehicle, we will coordinate

the installation of your inflated spare. If you have no spare or if your spare is flat, no reimbursement is available for

the cost of tire repair or the second service call to return the repaired tire to the disabled vehicle.

• Lockout Service: If you are locked out of your vehicle, the Plan will dispatch service by a professional locksmith or

appropriate professional to open the car.

• Emergency Fuel Delivery Service: If you run out of fuel, we will deliver an emergency supply of gas, up to two gallons,

to get your car back on the road. (Member pays only for the cost of the fuel delivered.)

• Battery Boost Services: If your vehicle won’t start due to loss of battery charge, minor emergency mechanical

adjustments and battery boost will be attempted at the point of disablement.

How to use this benefitTo Request Roadside Assistance: Call 1-855-480-2728

Be sure to provide the service representative with the member ID # from your membership card.

Roadside Assistance Service is activated and available for use after 30 days of active membership.

All services and benefits are administered through Nation Motor Club, LLC administrative offices: 800 Yamato Road, Suite

100, Boca Raton, FL 33431.

• Arizona, Arkansas, Hawaii, Louisiana, Massachusetts, Nevada, Tennessee, Texas and Washington members,

services are provided by Nation Motor Club, LLC dba Nation Safe Drivers.

• For California members, services are provided by Nation Motor Club, LLC California Motor Club Permit Number

5157-3.

• For Alabama, Alaska, Utah and Virginia members, service are provided by Nation Safe Drivers Services, Inc.

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Health CardThe USAP Health Card is a separate benefit plan available to Members registered in the Program at no additional cost. The USAP

Health Card provides members access to incredible member-only savings on their healthcare expenses. Whether you want to

save on prescription medication or diabetic testing supplies, the USAP Health Card is a great way to save on many of your

medical expenses. In order to receive discounts from healthcare providers, you must present your USAP Health Card. To receive

a copy of your USAP Health Card, visit the Benefits Website with your personalized log-in information provided in the Enrollment

Kit to print a copy of your USAP Health Card or call 855-201-2856 to request a copy of your USAP Health Card to be mailed to you.


How you can save

Prescription Drug Plan• Members receive 10% to 85% savings on prescription drugs by presenting their membership card to a participating

pharmacy along with their prescription or by filling their prescription through our mail order service.

How to use this benefit1. Go to www.bbvacompassclearbenefits.com to locate participating pharmacies and prescription drug pricing.

2. Present your Membership Card to the pharmacist along with your prescription and the discounts will automatically be

applied.

3. You will be expected to pay for the full discounted cost of the drug when you pick it up from the pharmacy.

MRI and CT ScansMembers receive discounts of 40% to 75%* off usual charges for imaging services while using credentialed radiologists. Members

will be matched with the best provider based on type of medical condition, member preferences, and location.

• Save 40% to 75% off usual charges for the following imaging services**: MRI, CT Scans and Ultrasounds.

• Large panel of radiologists and imaging specialists at thousands of outpatient radiology facilities throughout the United

States.

How to use this benefit1. To schedule a service call 877-814-2461 Monday to Friday 7:00 am - 7:00 pm Central Time

2. When calling, mention the membership code GALAXY to obtain your discount.

3. Service representatives will assist you in selecting a network provider that is convenient to home or work. Service

representatives can answer questions regarding tests, what to expect at your appointment, directions to the facility, etc.

You must have your doctor’s order before scheduling an appointment.

4. Once a facility is chosen, an appointment will be scheduled through a three-way conference call with the service

representative, the imaging center, and the patient.

5. Payment is collected up front during the scheduling process and no payment is due at your appointment.

*Savings may vary based on geographic location, provider and procedure performed. **Available services may vary by provider.

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Diabetic SuppliesDiabetic Supplies is a medical program that combines the buying power of thousands of diabetics throughout the US. Members

save big on the retail price of their diabetic supplies. Product packages include a premier Glucose Meter, control solution, test

strips, lancets and lancing device. Supplies are shipped regularly at no extra cost.

Highlights• Many product packages to choose from based on testing requirements. Packages are designed for everyday testing

• Packages are priced from $29.99/month to $169.99/month, which is 60% off the average retail prices

• Save an extra 15% off on any single order items like test strips, lancets, lancing device, and more

• Toll-free ordering, regular shipments and home delivery on all diabetic supplies

• Free shipping on supplies when package option is selected

How to use this benefit1. To receive your discount, visit www.bbvacompassclearbenefits.com or call The VIP Diabetic Plan at 866-274-6199, Monday

through Friday, 8:00 am - 5:00 pm Central Time.

2. Identify yourself as a “VIP Health & Wellness Member.”

3. A friendly operator will assist you in determining the best package for you, and your supplies will be shipped directly to

your home.

4. If you ever run low on supplies or need more, call the VIP Diabetic Plan and they will offer you additional discounts on all

of our products.

Hearing Care DiscountsThis program offers all of the latest technologies and models of hearing aids and has a network of more than 3,000 full service

centers. To receive savings, call the toll-free number in this booklet to make an appointment. You will be given the closest

locations for a free hearing evaluation.

Highlights• 35% discount off hearing aid prices.

• Two year supply of hearing aid batteries with purchase.

• Free initial hearing screening.

• Two year warranty, with a one-time replacement for loss or damage.

• Unlimited follow-up visits during the useful life of the hearing aid for cleaning and checkups.

• 100% Service Satisfaction Guarantee during the first 60 days.

• A free hearing screening every two years.

Discounts are available only at the network’s owned or duly subcontracted and authorized providers, and cannot be combined

with any other promotional offer, discount, rebate, health insurance benefit or value-added discount plan. Offers are subject to

change. Unlimited follow up visits will be provided at no cost to the member; however, any costs for repairs no longer under the

manufacturer’s warranty will be at the expense of the member.

How to use this benefit1. To schedule an appointment at a location close to you, call 1-888-851-9554 Monday through Friday, 7:00 a.m. to 9:00 p.m.

Central Time. You will be sent a confirmation letter, along with a map to the clinic location.

2. Following your appointment, you will be contacted to ensure that all your hearing care needs were met.

Cannot be combined with any other promotional offer, discount, rebate, health insurance benefit or value-added discount plan.

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Vitamins DiscountsVitacost.com is your one-stop shop for thousands of top brand vitamins, supplements, herbs, organics and natural health care

products at up to 80% off retail everyday. Choose from over 400 brands and 12,000 items in stock and enjoy savings of 10%

on already low prices. Members can place orders online or toll free by phone. Most orders ship the same day and every order

includes a 30-day unconditional money-back guarantee.

• Toll-free and online shopping with friendly and knowledgeable customer service representatives.

• An additional 10% discount on over 12,000 products, sale prices included

• Timely, convenient home delivery of vitamins, supplements, and a wide variety of natural health products.

• Choose from brand names you know and trust such as Twinlab, Nature’s Way, Carlson’s, Country Life and hundreds more.

• All purchases include a 30-day unconditional money-back guarantee.

How to use this benefit1. Call toll-free 888-610-9950, Monday through Friday 7:00 am to 8:00 pm, and Saturday and Sunday 8:00 am to 5:00

pm Central Time, or go to www.bbvacompassclearbenefits.com to place an order or request a free catalog filled with

extensive savings on vitamin and nutritional supplements.

2. You must mention code UH992 to receive your extra 10% discount savings.

3. Automatic monthly shipments are available for products you need on a regular basis.

Laboratory Testing NetworkMembers also save 10% to 80% on charges for blood tests and all other lab testing. The network provides affordable laboratory

testing, which leads to proper diagnosis and effective treatment.

Highlights• Save 10% to 80% on typical costs for blood tests.

• Place your order online or by phone.

• The network will help you find the location of the nearest major clinical laboratory and provide the necessary order.

• Confidential results available in as little as 24-48 hours for most tests.

How to use this benefit• Call 877-281-7042 and identify yourself with the code: R-NEWB or visit www.bbvacompassclearbenefits.com.

• Place your order with DirectLabs (DLS) online or by phone.

• A DLS representative will discuss the draw site locations and test options. To process your order online, please use your

member ID in the proper field. You will be referred to the Patient Services Center (PSC) blood draw site of the major clinical

laboratory nearest you. DLS provides the necessary order. You must have the requisition form from DLS prior to going to

the lab/PSC.

• Confidential test results are available to you in as little as 24-48 hours, for most tests (in your MyDLS account). If you would

like your results faxed or mailed you must fill out the online HIPAA Release form.

• Please make sure that you have your membership card with you when you schedule an appointment to qualify for a

discount as well as a credit card for payment. Savings may vary based on geographic location, provider selected and

procedure performed.

• Discount Lab Benefits are not available to HI, MA, MD, ND, NJ, NY, RI or SD residents.

The following are additional disclosures related to the discount medical benefits within your membership.The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act. This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. This discount card program contains a 30 day cancellation period. See the full list of disclosures, and Terms and Conditions for more information. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 671309, Dallas, TX 75367-1309, 800-800-7616.

Only available to AL, AZ, CA, CO, FL, NM and TX residents.

Please refer to www.bbvacompassclearbenefits.com for an explanation of benefit terms, limitations and exclusions.

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Terms & ConditionsMember is defined as primary member, spouse, and all legal dependents.

Providers are subject to change without notice. Programs may vary in some states. Providers and locations may be removed from the network at any time.

This is a discount program only. The program may be cancelled or modified at any time. You will receive notice if the plan is cancelled or materially modified.

Normal business hours are Monday through Friday, 7:00 am to 7:00 pm and Saturday, 8:00 am to 5:00 pm Central Time.

The discount company will not reimburse or pay any portion of any provider’s fees. These benefits may not be used with any other discount plan or program. Listed or quoted prices are subject to change without notice.

Providers may offer products or services to the public at prices lower than the discounted prices. In such event, members will be charged the lower price.Savings are based on the provider’s normal fees. Actual savings will vary by location and the services or products purchased.

This discount program is a referral plan, and makes no warranties concerning the quality of care received. Providers are responsible for the professional advice and treatment provided to members.

Disclosures:Discount Medical Plan Organization:New Benefits, Ltd.Attn: Compliance DepartmentPO Box 671309Dallas, TX 75367-1309800-800-7616

Coast to Coast Vision™ and UHS Chiropractic™ are owned and operated by New Benefits, Ltd.

This plan is NOT insurance. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. This plan provides discounts at certain healthcare providers for medical services. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received. Pharmacy discounts range from 10% to 85% on most medications. New Benefits will receive and retain a fee from network providers for eligible prescription, hearing, lab, and imaging purchases. The discount medical card program makes available, before purchase and upon request, a list of program providers, including the name, city, state, and specialty of each program provider located in the cardholder’s service area.

This discount card program contains a 30 day cancellation period.

FL, LA, MS, ND, OK, RI, SC, SD and TX residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after the effective date. AR and TN residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. MD Residents: The membership fee and one-time registration fee (minus $5.00) will be refunded if cancelled within the first 30 days and upon return of the discount card. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR 5.00.

Regulated discount benefits are not available in the state of Washington, at this time.

WA residents: If a member cancels his or her membership in the discount plan organization within the first thirtydays after the date of receipt of the written documents for the discount plan, the member must receive a reimbursement of all periodic charges upon return of the discount plan card to the discount plan organization.

1. (A) Cancellation occurs when notice of cancellation is given to the discount plan organization. (B) Notice of cancellation is given when delivered by hand or deposited in a mailbox, properly addressed and postage prepaid to the mailing address of the discount plan organization, or e-mailed to the e-mail address of the discount plan organization.

2. (A) Discount plan organization shall return in full any periodic charge charged or collected after the member has given the discount plan organization notice of cancellation. (B) If the discount plan organization cancels a membership for any reason other than nonpayment of charges by the member, the discount plan organization shall make a pro rata reimbursement of all periodic charges to the member.

If a resident of the state of Washington remains dissatisfied after completing the organization’s complaint process,the plan member may contact the office of the insurance commissioner at:

Washington Office of the Insurance CommissionerP.O. Box 40256Olympia, WA 98504-0256800-562-6900www.insurance.wa.gov

Internet website address to obtain participating providers is MyMemberPortal.com.

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Health and Wellness ResourceMy EWellness

Access to MyEWellness website, an online knowledge base and resource for fitness, health and wellness information.

• This benefit includes access to personalized work out routines, daily health tips on nutrition, weight loss and disease

prevention and health and wellness related articles

• MyEWellness is designed to help our members achieve their personal health goals regardless of age, gender or health

condition. This member-only resource has thousands of articles from fitness and healthcare professionals and tools to

help you reach your health related goals like online assessments, fitness calculators and nutrition planning tools.

How to Use this benefit:• To access MyEWellness, visit www.bbvacompassclearbenefits.com.

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Legal and Financial Benefits Identity Theft

Over 16 million people in the US were victims of identity theft in 2012*. The incidences of identity theft remain level each year and

thieves are stealing billions of dollars from their innocent victims. What happens if you become a victim? Where do you start?

BBVA Compass ClearBenefits is your solution.


Identity Theft RestorationYou have access to a Privacy Advocate 24/7, 365 days per year that will provide you with comprehensive, personalized recovery

services. This unique identity theft solution provides you with all of the components necessary to restore your identify thoroughly

and prevent future incidences of identity theft.

Upon notification of an identity theft incident, the Privacy Advocate will act on your behalf as a dedicated case manager to:

• Investigate and confirm the fraudulent activity, including known, unknown and potentially complicated additional sources

of identity theft.

• Complete and mail customized, pre-populated, state specific “Fraud Packet“ via certified mail with pre-paid return

instructions.

• Place phone calls, send electronic notifications, and prepare appropriate documentation on the member’s behalf, including

dispute letters for defensible complaints to any and all appropriate state agencies and financial institutions.

• Issue fraud alerts and victim statements when necessary, with the three consumer credit reporting agencies, the FTC, SSA,

and U.S. Postal Service.

• Submit Special Limited Power of Attorney and ID Theft Affidavit to involved creditors for card cancellation and new card

issuance.

• Contact, follow up and escalate issues with affected agencies, creditors, financial institutions, to reinforce member’s rights.

• Assist the member in notifying local law enforcement authorities to file the appropriate official reports.

• Utilize real time access to public records reports including DMV, criminal, address changes, liens, and judgments for further

investigation where applicable.

• Provide peace of mind and resolution of key issues from start to finish as swiftly as possible.

• Provide members with a “Case Completion Kit“ including copies of documentation, correspondence, forms and letters for

their personal records.

How to use this benefit:• If you believe you are a victim of identity theft, call Member Services at (888) 490-0382 to speak to a Privacy Advocate.

• Hours of Operation: 9:00 am - 9:00 pm EST, Monday - Friday

*Javelin Strategy & Research 2012 Report

You will have 24/7, 365 days per year access to Privacy Advocates who will provide you with comprehensive, personalized

recovery services.

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Identity Theft InsuranceYou will also receive up to $25,000 worth of identity theft insurance coverage underwritten by a nationally recognized Insurance

Carrier with an “A” or better AM Best Rating. This coverage will help offset some of the cost of restoring your identity to its original

status including:

• Lost wages: $500.00 per week, for 4 weeks maximum

• Re-filing of loans

• Defense cost for certain civil & criminal law suits

• Reimbursement of fees: Reasonable and necessary costs incurred in the United States by the insured for:

a. Re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity

incident

b. Notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of the

insured’s efforts to report a stolen identity incident and/or amend or rectify records as to the insured’s true name or

identity as a result of a stolen identity event

c. Up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau)

dated within 12 months after the insured’s discovery of a stolen identity incident.

How to use this benefit:To file a personal identity theft claim please contact the claims administrator at 866-434-3572. Please identify yourself as a Legal

Club of America® policyholder. Please note the insurance coverage is limited only to the member. Policy Number: 916304

Unlimited Legal Care at Discounted Rates:As an identity theft victim, you will have access to a proprietary attorney network that will represent you at the low hourly rate of

$125.00, or when appropriate, 40% off their usual and customary hourly rate, for all extended legal care.

You may use this program to pursue legal action against identity thieves. This identity theft program provides unlimited

discounted legal care, at capped hourly rates, enabling you to defend yourself.

How to use this benefit:If you are in need of legal services, please call 800-305-6816.

Insurance Products are: NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT FDIC-INSURED NOT GUARANTEED BY THE BANK

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Shopping and EntertainmentDiscount Shopping & Entertainment

Receive access to shopping and entertainment discounts from thousands of local and national vendors in 15 shopping categories.

Go to www.bbvacompassclearbenefits.com to see all of the discounts available to ClearBenefits members in the Discount Mall.

Some examples include:

• Shopping discounts on fashion, computers, electronics, health & beauty products, automotive products and services, gifts,

business services and much more.

• Home Living discounts on appliances, furniture, kids’ toys, food & grocery, pet care & supplies, security systems, and much

more.

• Entertainment & Recreation discounts on movie tickets at most movie theaters, dining coupons and certificates at

thousands of local restaurants, concert & event tickets, books, music, DVDs, sporting goods and much more.

• National Attraction & Unique Experience discounts at places such as Walt Disney World, Busch Gardens, SeaWorld,

Universal Studios & Six Flags, Stock car driving, hot air balloon rides and much more.


BBVA Compass ClearBenefits also provides you with additional ways to protect your purchases:

Extended Service Protection

Extended Service Protection doubles the original manufacturer’s warranty term of an eligible product up to twelve (12) months

and provides coverage similar to the original manufacturer’s warranty on eligible items you purchase while you are a member.

The item must have a purchase price of less than $5,000 to be eligible for coverage. Coverage begins the day after the original

manufacturer’s warranty expires.

Coverage is limited to the lesser of the actual repair cost, actual replacement cost, the original purchase price (as documented

by your purchase receipt) or up to a maximum of $1,000. Coverage does not include taxes, storage, shipping, handling, postage,

transportation, and delivery charges. Reimbursement is limited to a total of $1,000 for all claims submitted by a member within

any consecutive twelve (12) month period.

How to use this benefit:Call the Administrator at 1-855-955-6469 to request a claim form. You must report the claim within forty-five (45) days from the

date of the Breakdown. The Administrator will receive your claim over the telephone and will mail a claim form to You within five

(5) business days.

The following required items must be completed and returned within sixty (60) days of the date the claim form is postmarked:

1. The fully completed claim form

2. A copy of the store receipt and a cancelled check, card statement or share draft receipt or cash receipt with which the Eligble

Product was purchased

3. A copy of the Product’s original equipment manufacturer’s (OEM) warranty

4. Repair estimate from the repair servicer that was prior authorized by the Administrator; and

5. Any other documents the Administrator may reasonably request to validate the claim

Exclusions and limitations apply. See the Extended Service Protection Plan terms and conditions for complete details. Extended

Service Protection is not available to residents in the state of Maine and Puerto Rico.


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Extended Service Protection Plan

Terms and Conditions

A. DefinitionsThroughout this document, Plan refers to this Extended Service Protection provided by American Advantage Association to Member(s). You and Your refer to the person(s) who is a Member in good standing with the American Advantage Association membership providing this benefit Plan. Membership must not have expired or been canceled by You or the American Advantage Association. We, Us and Our refer to American Advantage Association, the Company providing this benefit to Members. In addition, when in bold certain words and phrases are defined as follows:

Member refers to an individual and their legal dependents actively enrolled for membership in an American Advantage Association Membership providing this benefit Plan as part of the association membership and considered by the American Advantage Association as a member in good standing.

Administrator means the party that has been authorized by Us to administer the services and benefits provided under this Plan. You may contact the Administrator if You have questions regarding this coverage or would like to make a claim. The Administrator can be reached by phone at 1-855-955-6469.

Breakdown means a mechanical failure of an Eligible Product to perform its fundamental operation(s) in normal service.

Eligible Product, Product means an item purchased new by a Member in the United States during the Coverage Period with a purchase price less than $5,000; unless otherwise excluded, where the entire purchase price of the product is paid using the Member’s personal checking, credit or debit card, share draft account or cash.

Coverage Period means the period starting on the Membership Effective Date which continues for the period of time in which the membership is active/valid or until the date this benefit is no longer available to Members.

Membership Effective Date means the date You enroll as a Member in the American Advantage Association membership program.

B. Extended Service Protection Coverage:In the event of a Breakdown of an Eligible Product, We will reimburse You for the repair or replacement of the Product. The Breakdown that results in a claim for re-imbursement for the repair or replacement must occur during the period of time beginning with the date of expiration of the original equipment manufacturer (“OEM”) warranty and continuing up to a maximum of:

1. Six (6) months for all products whose OEM warranty is six (6) months or less; and2. One (1) year for all products whose OEM warranty is between six (6) months to three (3) years.

When applicable, Your Product will be replaced with a replacement product of similar quality and kind, but not necessarily the same brand.

This Plan is not a contract of insurance. Our obligations are insured by a contractual liability insurance policy with a licensed insurance company issued to the American Advantage Association.

C. Limits of Liability: Reimbursement for each claim is limited to the lesser of the following:

• Actual repair cost;• Actual replacement cost;• Original purchase price (as documented by Your purchase receipt for the Eligible Product); or• $1,000.

Reimbursement is limited to a total of $1,000 for all claims submitted by a Member within any consecutive 12-month period.

Where a Breakdown occurs in an article of a pair or set, the Plan will not pay more than the proportionate share of the item(s) to the total purchase price of the Eligible Product. We shall be entitled, in the event of Breakdown, and at Our sole option, to reimburse for the repair, rebuilding, or replacement the Product upon giving notice of Our intention to do so within sixty (60) days after the receipt of satisfactory claim required hereunder. The Member must have authorization from the Administra-tor before having the Product repaired. Failure to notify the Administrator prior to having the Product repaired may result in denial of the claim. Diagnostic repair, replacement and tear-down cost will be the responsibility of the Member in the event the Breakdown is not covered under the terms of the OEM warranty or the Plan.

D. Exclusions:1. THIS PLAN WILL NOT REIMBURSE A MEMBER FOR THE REPAIR OR REPLACEMENT RESULTING FROM A BREAKDOWN CAUSED BY OR RESULTING

FROM ANY OF THE FOLLOWING: a. ANY LOSS OTHER THAN A BREAKDOWN, AS EXPLICITLY DEFINED, OF THE PRODUCT;b. MERCHANDISE NOT ORIGINALLY COVERED BY AN OEM WARRANTY OR FACTORY-REFURBISHED WARRANTY;c. PRODUCT REPAIRS THAT ARE COVERED BY THE OEM WARRANTY, FACTORY-REFURBISHED WARRANTY, OR MANUFACTURER’S RECALL;

REGARDLESS OF THE MANUFACTURER’S ABILITY TO PAY FOR SUCH REPAIRS;d. PERIODIC CHECKUPS AND/OR PREVENTATIVE MAINTENANCE WHETHER DIRECTED BY THE OEM OR OTHERWISE;e. ANY AND ALL PRE-EXISTING CONDITIONS THAT OCCUR PRIOR TO THE COVERAGE PERIOD;f. CONSUMER-REPLACEABLE ITEMS NORMALLY DESIGNED TO BE PERIODICALLY REPLACED DURING THE LIFE OF THE PRODUCT, INCLUDING

BUT NOT LIMITED TO BATTERIES;g. DELAY, LOSS OF MARKET, LOSS OF USE, OR ANY OTHER CAUSES OF CONSEQUENTIAL LOSS, INCLUDING BUT NOT LIMITED TO: LOSSES ARIS-

ING FROM LOSS OF TIME, INCONVENIENCE, LOST PROFITS OR SAVINGS OR OTHER INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE ELIGIBLE PRODUCT OR OTHERWISE AWAITING A COVERED REPAIR/REPLACEMENT PURSUANT TO THIS PLAN;

h. INTENTIONAL OR DISHONEST ACTS BY: YOU, A MEMBER OR ANYONE ELSE WITH AN INTEREST IN THE MEMBER’S PRODUCT; YOUR EMPLOY-EES OR AUTHORIZED REPRESENTATIVES; WHETHER OR NOT ACTING ALONE OR IN COLLUSION WITH OTHER PERSONS AND WHETHER OR NOT OCCURRING DURING THE HOURS OF EMPLOYMENT;

i. WEAR AND TEAR, DEPRECIATION OR OBSOLESCENCE, OR DAMAGE THROUGH NORMAL COURSE OF USE OR CONSUMPTION;j. DETERIORATION, HIDDEN OR LATENT DEFECT, OR ANY QUALITY ISSUES IN THE ELIGIBLE PRODUCT;

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k. DAMAGE FROM ACCIDENT, ABUSE, MISUSE, MISHANDLING, INTRODUCTION OF FOREIGN OBJECTS INTO THE PRODUCT, FAILURE TO FOL-LOW THE MANUFACTURER’S INSTRUCTIONS, AND EXTERNAL CAUSES INCLUDING THIRD PARTY ACTIONS, FIRE, THEFT, INSECTS, ANIMALS, EXPOSURE TO WEATHER CONDITIONS, WINDSTORM, SAND DIRT, HAIL, EARTHQUAKE, FLOOD, WATER, OR ANY OTHER PERILS OF NATURE;

l. ANY PRODUCT USED IN A COMMERCIAL SETTING OR RENTAL BASIS;m. A FAILURE THAT OCCUR OUTSIDE OF THE UNITED STATES OF AMERICA ITS TERRITORIES OR CANADA;n. COSMETIC DAMAGE; SUCH AS SCRATCHES, PEELING, DENTS, ETC. WHICH DO NOT AFFECT THE FUNCTION OF THE PRODUCT AS SPECIFIED

BY THE OEM;o. REPAIRS AND/OR INSTALLATION OF PARTS NOT PREVIOUSLY AUTHORIZED BY THE ADMINISTRATOR;p. SPECIFIC TO APPLIANCE ELIGIBLE PRODUCTS:

i. A FAILURE RESULTING FROM AS A RESULT OF RUST OR CORROSION ON THE ELIGIBLE PRODUCT OR PART THEREOF;ii. DAMAGE TO CLOTHING;iii. ABNORMAL VARIATION OF ELECTRICITY OR WATER SUPPLY OTHER THAN A POWER SURGE (“POWER SURGE” REFERS TO DAMAG-

ES TO THE PRODUCT RESULTING FROM AN OVERSUPPLY OF VOLTAGE WHILE PROPERLY CONNECTED TO A SURGE PROTECTOR APPROVED BY THE UNDERWRITER’S LABORATORY INC. (UL), BUT NOT INCLUDING DAMAGES RESULTING FROM THE IMPROPER INSTALLATION OR IMPROPER CONNECTION OF THE PRODUCT TO A POWER SOURCE);

iv. WATER AND GAS LINES THAT ARE NOT A COMPONENT OF AN ELIGIBLE PRODUCT, INCLUDING BUT NOT LIMITED TO, FLEXIBLE LINES, HOSES AND CONNECTORS;

v. DAMAGE INCURRED WHILE TRANSPORTING THE ELIGIBLE PRODUCT TO OR FROM ANY LOCATION (UNLESS INCURRED WHILE BEING TRANSPORTED BY A PARTY THAT WAS SPECIFICALLY PRIOR AUTHORIZED BY THE ADMINISTRATOR);

vi. REIMBURSEMENT FOR FOOD LOSS;q. SPECIFIC TO COMPUTER AND PERIPHERAL ELIGIBLE PRODUCTS:

i. ANY STORAGE MEDIA;ii. IMPROPER INSTALLATION OF COMPONENTS OR PERIPHERALS;iii. REPAIR OR REPLACEMENT OF UPGRADED INTERNAL COMPUTER COMPONENTS WHEN REPAIR OR REPLACEMENT IS REQUIRED

DUE TO INCOMPATIBILITY OF PARTS OR INCORRECT INSTALLATION;iv. BROKEN OR CRACKED LCD SCREENS IN NOTEBOOKS OR PORTABLE COMPUTERS AND BURNED-IN PHOSPHOR IN CRT OR ANY

OTHER TYPE OF DISPLAY;v. APPLICATION PROGRAMS, OPERATING SOFTWARE OR OTHER SOFTWARE, LOSS OF DATA OR RESTORATIONS OF PROGRAMS;

vi. CORRUPTION OF ANY PROGRAM, DATA OR SETUP INFORMATION RESIDENT ON ANY HARD DRIVES, AND INTERNAL OR EXTERNAL REMOVABLE STORAGE DEVICES;

r. SPECIFIC TO ELECTRONIC ELIGIBLE PRODUCTS:i. IMPROPER INSTALLATION OF COMPONENTS OR PERIPHERALS;ii. CORRUPTION OF ANY RECORDING MEDIA; INCLUDING ANY PROGRAM, DATA OR SETUP INFORMATION RESIDENT ON ANY HARD

DRIVES AND INTERNAL OR EXTERNAL REMOVABLE STORAGE DEVICES RESULTING FROM MALFUNCTIONING OR DAMAGE OF AN OPERATING PART, OR RESULTING FROM ANY REPAIR OR REPLACEMENT COVERED UNDER THIS PLAN;

iii. PLASMA TELEVISIONS IN USE AT OR ABOVE 6,000 FEET ABOVE SEA LEVEL;iv. BURNED-IN PHOSPHOR (INCLUDING IMAGE “GHOSTING”) OR PIXEL BURNOUT.

2. WE WILL NOT PAY FOR LOSS CAUSED DIRECTLY OR INDIRECTLY BY ANY OF THE FOLLOWING: a. SEIZURES OR DESTRUCTION OF ANY ELIGIBLE PRODUCT BY ORDER OF GOVERNMENTAL AUTHORITY;b. ANY WEAPON EMPLOYING ATOMIC FISSION OR FUSION;c. NUCLEAR REACTION OR RADIATION, RADIOACTIVE CONTAMINATION FROM ANY OTHER CAUSE OR WAR (UNDECLARED OR CIVIL) (EXCEPT

FOR LOSS OF THE ELIGIBLE PRODUCT DUE TO FIRE);

SUCH LOSS IS EXCLUDED REGARDLESS OF ANY OTHER CAUSE OR EVENT THAT CONTRIBUTES TO THE LOSS, WHETHER CONCURRENTLY OR IN ANY OTHER SEQUENCE.

THIS PLAN DOES NOT COVER ANY LOSS OR FAILURE/DAMAGE THAT OCCURRED WHILE THE MEMBER WAS NOT AN ACTIVE MEMBER OF THE AMERICAN ADVANTAGE ASSOCIATION.

E. How to File a Claim:Call the Administrator at 1-855-955-6469 to request a claim form. You must report the claim within forty-five (45) days from the date of the Breakdown. The Adminis-trator will receive Your claim over the telephone and will mail a claim form to You within five (5) business days. The following required items must be completed and returned within sixty (60) days of the date the claim form is postmarked:

1. The fully completed claim form;2. A copy of the store receipt and a cancelled check, card statement or share draft receipt or cash receipt with which the Eligible Product was purchased;3. A copy of the Product’s OEM warranty;4. Repair estimate from the repair servicer that was prior authorized by the Administrator; and5. Any other documents the Administrator may reasonably request to validate the claim.

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Price Protection

If you purchase an eligible item and see the same item advertised at a lower price within 60 days of the purchase date in either

a Printed Advertisement or Non-Auction Internet Advertisement (advertisement must verify same manufacturer and model

number), Price Protection will reimburse you the difference between the original purchase price of the item and the new

advertised lower price up to $250. This benefit is valid for up to 4 claims per 12 month period.

Exclusions and limitations apply. See Price Protection Plan Terms and Conditions of benefits for details.


How to use this benefit:Call the Administrator at 1-855-955-6469 to request a claim form. You must report the claim within sixty (60) days of the date

of the purchase or as soon as reasonably possible. The Administrator will receive your claim over the telephone and will mail a

claim form to you within five (5) business days.

The following required items, must be sent to the Administrator at American Advantage Association, c/o NBFSA, LLC, PO Box

24279, Winston Salem, NC 27114 and be postmarked within one hundred twenty (120) days of purchase:

1. Completed and signed claim form.

2. A copy of the Printed Advertisement or Non-Auction Internet Advertisement that shows the date of the advertisement,

retailer name, the product (advertisement must verify same manufacturer and model number), and sale price.

3. Itemized purchase receipt.

4. Any other documentation that may be reasonably requested to validate a claim.

Price Protection Plan

Terms and Conditions

A. Definitions:Throughout this document, Plan refers to this Price Protection provided by American Advantage Association to Member(s) “You” and “Your” refer to the person who is a Member in good standing in the American Advantage Association membership providing this benefit Plan. Membership must not have expired or been canceled by You or the American Advantage Association. We and Us refer to the American Advantage Association, the Company providing this benefit to Members. In addition, when in bold certain words and phrases are defined as follows:

Member refers to an individual and their legal dependents actively enrolled for membership in an American Advantage Association Membership providing this benefit Plan as part of the association membership and considered by the American Advantage Association as a member in good standing.

Administrator means the party that has been authorized by Us to administer the services and benefits provided under this plan. You may contact the Administrator if You have questions regarding this coverage or would like to make a claim. The Administrator can be reached by phone at 1-855-955-6469.

Auction (online or live) means a place or Internet site where items are sold through price bids, price quotes; or where prices fluctuate based on the number of people purchasing, or interested in purchasing a product. (Examples include, but are not limited to, Ebay, Ubid, Yahoo, Lendingtree, Priceline, public or private live auctions, etc.)

Coverage Period means the period starting on the Membership Effective Date which continues for the period of time in which the membership is active/valid or until the date this benefit is no longer available to Members.

Membership Effective Date means the date You enroll as a member in the American Advantage Association membership program.

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Non-Auction Internet Advertisements means advertisements posted on the Internet, by a non-Auction Internet merchant with a valid tax identification number. The advertisement must have been posted within sixty (60) days after the date You purchased the item and must be for the identical item (advertisement must verify same manufacturer and model number). The printed version of the Internet advertisement must include the merchant’s internet address and customer service telephone number, as well as the item including manufacturer, model number, sale price and date of publication.

Printed Advertisements means advertisements appearing in a newspaper, magazine, store circular, or catalog which state the authorized dealer or store name, item (including manufacturer and model number), and sale price. The advertisement must have been published within sixty (60) days after the date You purchased the item and must be for the identical item (advertisement must verify same manufacturer and model number).

B. Coverage AgreementIf You purchase a new item during Your Coverage Period and within sixty (60) days of the purchase date You find the item advertised at a lower price in either a Printed Advertisement or Non-Auction Internet Advertisement (advertisement must verify same manufacturer and model number). We will reimburse You the difference of the purchase price and the advertised lower price.

This is not a contract of insurance. Our obligations are insured by a contractual liability insurance policy with a licensed insurance company issued to the American Advantage Association.

C. LimitationsCoverage is limited to:• The difference between the actual cost of the item (excluding taxes, storage, shipping, and handling costs) and the advertised lower price, up to $250 per claim.• Four (4) claim(s) per twelve (12) month period.

D. ExclusionsCOVERAGE DOES NOT APPLY TO:• ANY ITEM PURCHASED FROM AN INTERNET SITE WHOSE PRIMARY PURPOSE IS NOT FOR THE SALE OF THE ITEM OR RELATED ITEMS.• ITEMS PURCHASED FOR RESALE, RENTAL, PROFESSIONAL, OR COMMERCIAL USE.• JEWELRY, ART, USED OR ANTIQUE ITEMS; COLLECTIBLES OF ANY KIND (SUCH AS ITEMS DESIGNED FOR PEOPLE TO COLLECT OR ITEMS THAT OVER TIME

BECOME COLLECTIBLES); RECYCLED, PREVIOUSLY OWNED, REFURBISHED, REBUILT, OR REMANUFACTURED ITEMS.• CUSTOMIZED/PERSONALIZED, ONE-OF-A-KIND, OR SPECIAL-ORDER ITEMS.• LAYAWAY ITEMS; ITEMS RETURNED TO ANY STORE.• ANY ITEMS PURCHASED FROM AN AUCTION (ONLINE OR LIVE).• ITEMS FOR WHICH THE PRINTED ADVERTISEMENT OR NON-AUCTION INTERNET ADVERTISEMENT CONTAINING THE LOWER PRICE WAS PUBLISHED AFTER

SIXTY (60) DAYS FROM THE DATE THE ITEM WAS PURCHASED. • ITEMS ADVERTISED IN OR AS A RESULT OF “LIMITED QUANTITY,” “GOING OUT-OF-BUSINESS SALES,” “CLOSE OUT”, OR AS “DISCONTINUED”. • PRINTED ADVERTISEMENTS OR NON-AUCTION INTERNET ADVERTISEMENT THAT DISPLAY PRICING LOWER THAN THE PURCHASED ITEM DUE TO REBATES,

SPECIAL OFFERINGS, BONUSES, FREE ITEMS/GIVEAWAYS, MANUFACTURER’S COUPONS, OR SPECIAL FINANCING. • PROFESSIONAL SERVICES, INCLUDING WORKMANSHIP, INSTALLATION, PROFESSIONAL ADVICE/COUNSELING, AND TECHNICAL SUPPORT, OR HELP LINE.• PLANTS, SHRUBS, ANIMALS, PETS, CONSUMABLES, AND PERISHABLES.• MOTORIZED VEHICLES, INCLUDING, BUT NOT LIMITED TO, AUTOMOBILES, WATERCRAFT/BOATS, AIRCRAFT, AND MOTORCYCLES, OR THEIR MOTORS, EQUIP-

MENT, OR ACCESSORIES. • LAND, ANY BUILDINGS (INCLUDING, BUT NOT LIMITED, TO HOMES AND DWELLINGS), PERMANENTLY INSTALLED ITEMS, FIXTURES, STRUCTURES, OR HOME

IMPROVEMENT.• GAME ANIMALS, PETS OR SPECIMENS PRESERVED FOR DISPLAY (E.G., FISH, BIRDS, REPTILES, OR MAMMALS). • TRAVELER’S CHECKS, TICKETS OF ANY KIND (E.G., FOR AIRLINES, SPORTING EVENTS, CONCERTS, OR LOTTERY), NEGOTIABLE INSTRUMENTS, BULLION, RARE

OR PRECIOUS METALS, STAMPS, AND COINS, CURRENCY OR ITS EQUIVALENT.• DIFFERENCES IN PRICE DUE TO SALES TAX, STORAGE, SHIPPING, HANDLING, POSTAGE, TRANSPORTATION, AND DELIVERY.• DIFFERENCES IN PRICE DUE TO FOREIGN EXCHANGE RATES OR FLUCTUATION IN FOREIGN EXCHANGE RATES.• LOANS AND TRAVEL RESERVATIONS, INCLUDING BUT NOT LIMITED TO, AIRLINE TICKETS, CAR RENTALS, AND HOTEL RESERVATIONS.• ITEMS PURCHASED OUTSIDE OF THE UNITED STATES OR ITEMS DELIVERED FROM OUTSIDE THE UNITED STATES.

E. How to file a claim.Call the Administrator at 1-855-955-6469 to request a claim form. You must report the claim within sixty (60) days of the date of the purchase.

The following required items, must be sent to the Administrator at American Advantage Association, c/o NBFSA, LLC., P.O. Box 24279, Winston Salem, NC 27114 and be postmarked within one hundred twenty (120) days of purchase:

1. Completed and signed claim form.2. A copy of the Printed Advertisement or Non-Auction Internet Advertisement that shows the date of the advertisement, retailer name, the product (advertise-

ment must verify same manufacturer and model number), and sale price.3. Itemized purchase receipt.4. Any other documentation the Administrator may reasonably request to validate a claim.

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Security and Protection $10,000 Accidental Death & Dismemberment Insurance Policy

As a ClearBenefits member, you are automatically covered with Accidental Death & Dismemberment Insurance. You would

receive a cash payment should you suffer a covered injury, and your beneficiary would receive the full $10,000 should you lose

your life in an accident.*

The Primary Accountholder is covered for a benefit amount of $10,000 24 hours a day, 365 days a year while on business or

pleasure.*

Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies.

In order to be eligible for Accidental Death and Dismemberment Insurance, you must be a resident of the United States.

How to file a claimTo obtain a claim form, contact the Claim Administrator, Crawford & Company at 855-830-3719.

Crawford & Company, PO Box 4090, Atlanta, GA 30302

Insurance Products are:

NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT FDIC-INSURED NOT GUARANTEED BY THE BANK

*Subject to the terms and conditions of this policy

Accident Insurance Underwritten by:Federal Insurance Company,a member insurer of the Chubb Group of Insurance Companies15 Mountain View Road, PO Box 1615Warren, NJ 07061-1615

Important Notice - Please Read this Description of Coverage CarefullyAs a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete policy provisions are contained In the Master Policy, 9907-52-97.

POLICY INFORMATION

POLICYHOLDER: BBVA Compass Bancshares, IncGROUP POLICY NO.: 9907-52-97

MEMBER ELIGIBILITY

ELIGIBILITY - All checking account holders of the policy holder, who are the primary account holder, who have purchased the BBVA Compass ClearBenefits bundle as on file with the plan administrator.

DATE INSURANCE TAKES EFFECT – Insurance becomes effective on the latest of: 1) the effective date of the group policy, 2) the date on which an Insured Person first meets the eligibility criteria, or 3) the beginning of the period for which required premium is paid.

DATE INSURANCE ENDS – Insurance will end at the earliest of: 1) the date the group policy ends, 2) the end of the period for which required premium has been paid for an Insured Person’s insurance, or 3) the date on which an Insured Person ceases to meet the eligibility criteria.

BENEFITSWe will pay the applicable Benefit Amount if an Accident results in a covered Loss not otherwise excluded. The Accident must occur while the Insured Person is insured under this policy, while it is in force. The covered Loss must occur within one year after the Accident.

Accidental Death and Dismemberment Benefit: Insured Persons are covered for a Benefit Amount of $10,000 24 hours a day, 365 days a year, while on business or pleasure.

100% of the Benefit Amount is payable for Accidental: loss of life; loss of speech and loss of hearing; loss of speech and one of: loss of hand, foot or sight of one eye; loss of hearing and one of: loss of hand, foot or sight of one eye; loss of both hands, both feet, loss of sight or any combination thereof. 50% of the Benefit Amount is

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payable for Accidental: loss of hand, foot or sight of one eye (any one of each); loss of speech or loss of hearing. 25% of the Benefit Amount is payable for Accidental: loss of thumb and index finger of the same hand.

If an Insured Person suffers multiple Losses as the result of one Accident, then We will only pay the single largest Benefit Amount applicable to all such Losses.

EXTENSIONS OF INSURANCEExtensions of Insurance are subject to the provisions of the policy, and all other policy terms and conditions.

Disappearance - If an Insured Person has not been found within one (1) year of the disappearance, stranding, sinking, or wrecking of any Conveyance in which an Insured Person was an occupant at the time of the Accident, then it will be assumed, subject to all other terms and conditions of this policy, that an Insured Person has suffered Loss of Life insured under this policy.

Exposure If an Accident resulting from an insured hazard causes an Insured Person to be unavoidably exposed to the elements and as a result of such exposure an Insured Person has a Loss, then such Loss will be insured under this policy.

EXCLUSIONSInsurance does not apply to any Accident, Accidental Bodily Injury or Loss when the Unites States of America has imposed any trades sanctions prohibiting the insurance, or there is any other legal prohibition against providing the insurance. In addition no benefits will be paid for any Accident, Accidental Bodily Injury or Loss caused by or resulting from any of the following: 1) an Insured Person being in, entering, or exiting any aircraft: a) owned, leased or operated by the Policyholder or on the Policyholder’s behalf; or b) operated by an employee of the Policyholder on the Policyholder’s behalf; 2) an Insured Person riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member (This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency); 3) an Insured Person’s emotional trauma, mental or physical illness, disease, normal pregnancy, normal childbirth or elective abortion, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof (This exclusion doesn’t apply to bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria); 4) an Insured Person’s commission or attempted commission of any illegal act including but not limited to any felony; 5) any occurrence while an Insured Person is incarcerated after conviction; 6) an Insured Person being intoxicated, at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs 7) an Insured Person being under the influence of any narcotic or other controlled substance at the time of an Accident. This exclusion does not apply if any narcotic or other controlled substance is taken and used as prescribed by a Physician; 8) an Insured Person participating in military action while in active military service with the armed forces of any country or established international authority (This exclusion does not apply to the first 60 consecutive days of active military service with the armed forces of any country or established international authority); 9) an Insured Person traveling or flying on any flight on a rocket propelled or rocket launched aircraft or on any flight which requires a special permit or waiver from a governmental authority having jurisdiction over civil aviation, whether or not such permit or waiver is granted; 10) an Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury; 11) a declared or undeclared War.

DEFINITIONSAccident or Accidental means a sudden, unforeseen, and unexpected event which: 1) happens by chance; 2) arises from a source external to an Insured Person; 3) is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof; 4) occurs while the Insured Person is insured under this policy which is in force; and 5) is the direct cause of loss. Accidental Bodily Injury means bodily injury, which is: 1) Accidental; 2) the direct cause of a loss; and 3) occurs while an Insured Person is insured under this policy, which is in force. Accidental Bodily Injury does not include conditions caused by repetitive motion injuries, or cumulative trauma not a result of an Accident, including, but not limited to: 1) Osgood-Schlatter’s Disease; 2) bursitis; 3) Chondromalacia; 4) shin splints; 5) stress fractures; 6) tendinitis; and 7) Carpal Tunnel Syndrome. Benefit Amount means the amount stated which applies: 1) at the time of an Accident; 2) to an Insured Person; and 3) for an applicable Hazard. Dependent Child means a Primary Insured Person’s unmarried child from the moment of birth, including a natural child, grandchild, stepchild or adopted child from the date of placement with a Primary Insured Person. The Dependent Child must be primarily dependent upon such Primary Insured Person for maintenance and support, and must be: 1) under the age of nineteen (19); 2) under the age of twenty-five (25) if enrolled as a full-time student at an Institution of Higher Learning; or 3) classified as an Incapacitated Dependent Child. Hospital means a public or private institution which: 1) is licensed in accordance with the laws of the jurisdiction where it is located; 2) is accredited by the Joint Commission on Accreditation of Hospitals; 3) operates for the reception, care and treatment of sick, ailing or injured persons as in-patients; 4) provides organized facilities for diagnosis and medical or surgical treatment; 5) provides twenty-four (24) hour nursing care; 6) has a Physician or staff of Physicians; and 7) is not primarily a day clinic, rest or convalescent home, assisted living facility or similar establishment and is not, other than incidentally, a place for the treatment of alcoholics or drug addicts. Immediate Family Member means an Insured Person’s: 1) Spouse or Domestic Partner; 2) children including adopted children or stepchildren; 3) legal guardians or wards; 4) siblings or siblings-in-law; 5) parents or parents-in-law; 6) grandparents or grandchildren; 7) aunts or uncles; 8) nieces and nephews. Immediate Family Member also means a Spouse’s or Domestic Partner’s children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. Incapacitated Dependent Child means a child who, as a result of being mentally or physically challenged, is permanently incapable of self-support and permanently dependent on a Primary Insured Person for support and maintenance. The incapacity must have occurred while the child was: 1) under the age of nineteen (19); or 2) under the age of twenty-five (25) if enrolled as a full-time student at an Institution of Higher Learning. Institution of Higher Learning means any accredited public or private college, university, professional trade or vocational school beyond the twelfth (12th) grade. Insured Person means a person, qualifying as a Class member: 1) who elects insurance; or 2) for whom insurance is elected, 3) and on whose behalf premium is paid. Loss means Accidental: Loss of Foot; Loss of Hand; Loss of Hearing; Loss of Life; Loss of Sight; Loss of Sight of One Eye; Loss of Speech; Loss of Thumb and Index Finger; Loss must occur within one (1) year after the Accident. Loss of Foot means the complete severance of a foot through or above the ankle joint. We will consider such severance a Loss of Foot even if the foot is later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation. Loss of Hand means complete severance, as determined by a Physician, of at least four fingers at or above the metacarpal phalangeal joint on the same hand or at least three fingers and the thumb on the same hand. We will consider such severance a Loss of Hand even if the hand, fingers or thumb are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation. Loss of Hearing means permanent, irrecoverable and total deafness, as determined by a Physician, with an auditory threshold of more than 90 decibels in each ear. The deafness cannot be corrected by any aid or device, as determined by a Physician. Loss of Life means death, including clinical death, as determined by the local governing medical authority where such death occurs within 365 days after an Accident. Loss of Sight means permanent loss of vision. Remaining vision must be no better than 20/200 using a corrective aid or device, as determined by a Physician. Loss of Sight of One Eye means permanent loss of vision of one eye. Remaining vision in that eye must be no better than 20/200 using a corrective aid or device, as determined by a Physician. Loss of Speech means the permanent, irrecoverable and total Loss of the capability of speech without the aid of mechanical devices, as determined by a Physician. Loss of Thumb and Index Finger means complete severance, through the metacarpal phalangeal joints, of the thumb and index finger of the same hand, as determined by a Physician. We will consider such severance a Loss of Thumb and Index Finger even if a thumb, an index finger or both are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation. Operated Aircraft means any aircraft not owned by the Policyholder but over which the Policyholder exercises control. Operated Aircraft includes an aircraft for which the Policyholder pays operating expenses. Owned Aircraft means any aircraft to which the Policyholder holds legal or equitable title. Proof of Loss means written evidence acceptable to Us that an Accident, Accidental Bodily Injury or Loss has occurred. Physician means a licensed practitioner of the healing arts, acting within the scope of his or her license to the extent provided by the laws of the jurisdiction in which medical treatment is provided. Physician does not include 1) an Insured Person or 2) an Immediate Family Member. Policyholder means BBVA Compass Bancshares, Inc. Spouse means an Insured Person’s husband or wife or who is recognized as such by the laws of the jurisdiction in which the Primary

18

Insured Person resides. War means: 1) hostilities following a formal declaration of War by a governmental authority; 2) in the absence of a formal declaration of War by a governmental authority armed, open and continuous hostilities between two countries; or 3) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the geographic area of hostility. We, Us and Our means Federal Insurance Company.

BENEFICIARYThe Loss of Life benefit will be paid to the beneficiary designated by the Insured Person. If no such designation has been made, the benefit will be paid to the first surviving party in the following order: a) the Insured Person’s spouse or domestic partner, b) in equal shares to the Insured Person’s children, c) in equal shares to the Insured Person’s parents, d) in equal shares to the Insured Person’s brothers and sisters, e) the Insured Person’s estate. All other benefits will be paid to the Insured Person or the Insured Person’s designee, or unless otherwise noted.

CLAIM PROVISIONSClaim Notice: Written Claim Notice must be given to Us or any of Our brokers or appointed agents within 20 days after the occurrence or commencement of any Loss covered by this policy or as soon as reasonably possible. Notice must include enough information to identify the Insured Person and Policyholder. Failure to give Claim Notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. Claim Forms: When We receive notice of a claim, We will send the Insured Person or the Insured Person’s designee, within 15 days, forms for giving Proof of Loss to Us. If the Insured Person or the Insured Person’s designee does not receive the forms, then the Insured Person or an Insured Person’s designee should send Us a written description of the Loss. This written description should include information detailing the occurrence, type and extent of the Loss for which the claim is made. Claim Proof of Loss: Complete Proof of Loss must be given to Us within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete Proof of Loss within these time frames will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible, and in no event later than one year after the deadline to submit complete Proof of Loss, except in cases where the claimant lacks legal capacity. Claim Payment: For benefits payable involving disability, We will pay the Insured Person the applicable Benefit Amount no less frequently than monthly during the period for which We are liable. All payments by Us are subject to receipt of complete Proof of Loss. For all benefits payable under this policy except those for disability, We will pay the Insured Person or beneficiary the applicable Benefit Amount within forty-five (45) days after We receive complete Proof of Loss if the Insured Person, the Policyholder and beneficiary, where applicable, have complied with all the terms of this policy. If payment is not made within forty-five (45) days after We receive complete Proof of Loss, the applicable Benefit Amount will be increased by one and one half percent (1 1/2%) simple interest per month until payment is made. If We fail to pay the applicable Benefit Amount within forty-five (45) days after We receive complete Proof of Loss, then an Insured Person or beneficiary may bring action to recover the Benefit Amount due, interest which may accrue, and any other charges.

HOW TO FILE A CLAIMTo obtain a claim form contact the Claim Administrator, Crawford & Company. Crawford & Company, PO Box 4090, Atlanta, GA 30302. Phone: 855-830-3719.

POLICY ADMINISTRATORIMAC3 Kay DriveRandolph, MA 02368

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Cell Phone Protection

ClearBenefits provides added damage and theft protection for your cell phone. As long as you pay for your monthly cellular

phone account with the BBVA Compass checking account associated with your ClearBenefits, you and up to two additional lines

listed on your cellular provider’s monthly billing statement will be provided with up to $200 of damage or theft protection. You

will receive no more than the purchase price, less a $50 co-payment, as recorded on your submitted receipt. You are able to

make up to two (2) claims per twelve (12) month period.

How to file a claimCall the Benefits Administrator at (855) 201-2856 within sixty (60) days of damage or theft to file a claim. Please refer to the Guide

to Benefit for more details on the Cell Phone Protection benefit.


Cellular Telephone Protection

Please refer to the Guide to Benefit for an explanation of benefit terms, limitations and exclusions. This coverage is underwritten

by Indemnity Insurance Company of North America.

This Guide to Benefit describes the benefit in effect as of the date your financial institution elected this coverage. This benefit and

description supersedes any prior benefit and description you may have received earlier. Please read and retain for your records.

Your eligibility is determined by the date your financial institution enrolled your account in the benefit.

Guide to Benefit

What is Cellular Telephone Protection?Subject to the terms and conditions provided in this Guide to Benefit, Cellular Telephone Protection will reimburse the enrolled

accountholder (the “Accountholder”, also referred to as “You” or “Your”) for damage to or theft of eligible Cellular Wireless Telephones.

Eligible Cellular Wireless Telephones are the primary line and up to the first two secondary, additional, or supplemental lines as listed

on Your cellular provider’s monthly billing statement for the billing cycle preceding the month in which the theft or damage occurred.

Cellular Telephone Protection is subject to a fifty-dollar ($50.00) co-payment per claim and a maximum of two (2) claims per twelve (12)

month period. The maximum benefit limit is $200.00 per claim and $400.00 per twelve (12) month period.

Who is eligible for this protection?To be eligible for Cellular Telephone Protection, You must be an accountholder of an eligible U.S.-based financial institution

enrolled in the Cellular Telephone Protection benefit and charge Your monthly Cellular Wireless Telephone bills to Your eligible

account. Only Cellular Wireless Telephones purchased by the accountholder will be covered. Cellular Telephone Protection is not

available to residents of New York

Following the program effective date set forth above, Your Cellular Telephone Protection begins the first day of the calendar

month following the payment of the Cellular Wireless Telephone bill using an eligible account. If the accountholder fails to make

a Cellular Wireless Telephone bill payment in a particular month, the Cellular Telephone Protection is suspended. Provided the

Cellular Telephone Protection continues to be offered, the benefit will resume on the first day of the calendar month following

the date of any future Cellular Wireless Telephone bill payment with the eligible account.

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What type of protection is this?Cellular Telephone Protection is supplemental to, and excess of, valid and collectible insurance or indemnity (including, but

not limited to, Cellular Wireless Telephone insurance programs, homeowner’s, renter’s, automobile, or employer’s insurance

policies). After all insurance or indemnity has been exhausted, Cellular Telephone Protection will cover the damage or theft up to

$200.00 per claim, subject the terms, conditions, exclusions, and limits of liability of this benefit as well as the fifty-dollar ($50.00)

co-payment. The maximum limit of liability is $200.00 per claim occurrence, and $400.00 per twelve (12) month period.

You will receive no more than the purchase price less your fifty-dollar ($50.00) co-payment as recorded on Your submitted

receipt.

What is not covered?• Cellular Wireless Telephone accessories other than standard battery and/or standard antenna provided by the manufacturer.

• Cellular Wireless Telephones purchased for resale, professional, or commercial use.

• Cellular Wireless Telephones that are lost or “mysteriously disappear.” “Mysterious disappearance” means the vanishing of

an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.

• Cellular Wireless Telephones under the care and control of a common carrier (including, but not limited to, U.S. Postal Service,

airplanes, or delivery service).

• Cellular Wireless Telephones stolen from baggage unless hand-carried and under Your personal supervision, or under the

supervision of Your traveling companion who is previously known to You.

• Cellular Wireless Telephones stolen from a construction site.

• Cellular Wireless Telephones which have been rented, leased, borrowed or Cellular Wireless Telephones that are received as

part of a pre-paid plan or “pay as you go” type plans.

• Cosmetic damage to the Cellular Wireless Telephone or damage that does not impact the Cellular Wireless Telephone’s

ability to make or receive phone calls.

• Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion,

rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood,

earthquake, radioactive contamination, or damage from inherent product defects or vermin.

• Damage or theft resulting from misdelivery or voluntary parting with the Cellular Wireless Telephone.

• Replacement Cellular Wireless Telephone not purchased from a cellular service provider’s retail or Internet store (or

authorized reseller).

• Taxes, delivery and transportation charges, and any fees associated with the cellular service provider.

Do I need to keep copies of receipts or any other records?Yes. If You want to file a claim, You will need copies of Your account statement reflecting monthly Cellular Wireless Telephone bill

payments during the time of the damage or theft and Your store receipt for purchase of Your new Cellular Wireless Telephone.

How do I file a claim?Call the Benefit Administrator at (855) 201 - 2856 within sixty (60) days of damage or theft. Please note: If You do not give such

notice within sixty (60) days after the damage or theft Your claim may be denied.

The Benefit Administrator representative will ask You for some preliminary claim information and send You the appropriate claim

form. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days

from the date of damage or theft of the eligible Cellular Wireless Telephone or Your claim may be denied.

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What do I need to submit with my claim?• Your completed and signed claim form.

• Copies of Your account statement reflecting the entire monthly Cellular Wireless Telephone payments for the month

preceding the date of damage or theft.

• A copy of Your cellular wireless service provider billing statement that corresponds with the above account statement.

• A copy of the original Cellular Wireless Telephone purchase receipt or other sufficient proof, as determined in the Benefit

Administrator’s sole discretion, of the Cellular Wireless Telephone model currently linked to Your Cellular Wireless Telephone

account.

• If the claim is due to theft or criminal action, a copy of the police report filed within forty-eight (48) hours of the occurrence.

• If the claim is due to damage, a copy of an insurance claim or other report as the Benefit Administrator, in its sole discretion,

deems necessary to determine eligibility for coverage. In addition the Benefit Administrator may in its sole discretion require

(a) an itemized estimate of repair from an authorized Cellular Wireless Telephone repair facility or (b) the Accountholder to

submit the Cellular Wireless Telephone to the Benefit Administrator to evaluate the damage or (c) an itemized store receipt

for the replacement Cellular Wireless Telephone showing the purchase was made at a cellular service provider’s retail or

Internet store (for example: Verizon Wireless, AT&T, Sprint, etc.).

• If the claim amount is less than Your personal homeowner’s, renter’s, or automobile insurance deductible, a copy of Your

insurance policy personal declaration page is sufficient for Your claim. If the claim amount is greater than Your personal

homeowner’s, renter’s, or automobile insurance deductible, You are required to file a claim with Your applicable insurance

company and to submit a copy of any claims settlement from Your insurance company along with Your claim form.

• Documentation (if available) of any other settlement of the claim.

• Any other documentation deemed necessary, in the Benefit Administrator’s sole discretion, to substantiate Your claim. All

claims must be fully substantiated as to the time, place, cause, and purchase price of the Cellular Wireless Telephone.

How will I be reimbursed?Depending on the nature and circumstances of the damage or theft, the Benefit Administrator, at its sole discretion, may choose

to repair or replace the Cellular Wireless Telephone or reimburse the accountholder for the lesser of a) $200.00 excess of the

fifty-dollar ($50.00) co-payment; or b) the current suggested retail price of a replacement Cellular Wireless Telephone of like kind

and quality, excluding taxes, delivery and transportation charges, and any fees associated with the Cellular Wireless Telephone

service provider, less the fifty-dollar ($50.00) copayment.

Please note: Cellular Telephone Protection is subject to a maximum of two (2) claim occurrences per twelve (12) month period.

Under normal circumstances, reimbursement will take place within ten (10) business days of receipt and approval of claim form

and all required documents.

Additional Provisions for Cellular Telephone Protection:

This protection provides benefits only to You, an eligible accountholder. Coverage is divided equally on joint accounts. You shall

use due diligence and do all things reasonable to avoid or diminish any loss or damage to the Cellular Wireless Telephone from

damage or theft. This provision will not be applied unreasonably to avoid claims.

If You make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services,

no coverage shall exist for such claim and the Cellular Telephone Protection benefit may be canceled. Each accountholder agrees

that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of

fraud, intentional concealment, or misrepresentation of material fact.

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Once You report an occurrence of damage or theft, a claim file will be opened and shall remain open for six (6) months from the

date of the damage or theft. No payment will be made on a claim that is not completely substantiated in the manner required by

the Benefit Administrator within six (6) months of the date of damage or theft.

After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be

transferred to the Benefit Administrator to the extent of payment made to You. You must give all assistance as may be reasonably

necessary to secure all rights and remedies.

No legal action for a claim may be brought against Us until sixty (60) days after the Benefit Administrator receives all necessary

documentation needed to substantiate damage or theft. After the expiration of three (3) years from the time written Proof of

Loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought against Us

unless the terms and conditions of this Guide to Benefit have been complied with fully.

This benefit is provided to eligible accountholders at no additional cost. The terms and conditions contained in this Guide to

Benefit may be modified by subsequent endorsements.

Modifications to the terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or

statement messages. The benefit described in this Guide to Benefit will not apply to accountholders whose accounts have been

suspended or canceled. The Cellular Telephone Protection described in this Guide to Benefit will not apply to accountholders

whose applicable account(s) are closed, delinquent, or otherwise in default.

Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefit, and if we do,

we will notify You at least thirty (30) days in advance. This information describes the benefit provided to You as an accountholder.

It is insured by Indemnity Insurance Company of North America.

For general questions regarding this benefit, call the Benefit Administrator at (855) 201 – 2856.

Rev. 08/2016 / #2188

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