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Online Banking Guide

Preferred Customers’ Unit

For English Speaking Customers










Preferred Customers’ Unit Preferred Customers’ Unit




We welcome you to our Preferred Customers' UnitOnline Banking Service, which enables you toexecute your financial transactions, from the comfortof your home or office.

To access the Preferred Customers' Unit OnlineBanking Service, please visit our website

and follow the steps listed in this guide.

If at any moment you should need additionalassistance, please contact our Customer ServiceCenter:

If you’re calling from Mexico City please dial:

If you are calling from any other state within Mexico,please dial:

For international calls:

Welcome

5624-1199

(01800) 112-2999

(52) (55) 5624-1199

Table of Contents

Bancomer Safe Access Card

Account Activation

Access to the Service

General Services Menu

• Balances and Transactions

• Transfers Between my Accounts• Mexican pesos• US dollars• Purchase and Sale of US dollars• Cancellation of Programmed Transfers

• Transfers to Third Parties• My Frequent Transfers• Mexican pesos• US dollars• Purchase and Sale of US dollars• Cancellation of Programmed Transfers

• Transfers to Other Banks• My Frequent Transfers• To Checking / Savings Accounts• To Credit Cards• To Other Outstanding Credits• Payment Orders• Inquiries• Cancellation of Programmed Transfers

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• Payments of Services• Frequent Payments• Pay a Service or Utility Bill• Payment Inquiries• Cancellation of Programmed Transfers• Purchase of Cellular Phone Air Time

• Investments• Term Investments• Mutual Funds

• Credit Card• Cash Withdrawal• Payment of Credit Card• Advance Payment towards Promotion• Point Redemption• Cancellation of Programmed Payment• Your Taylor-Made Credit Card

• Other Inquiries• Internet Activity• Standardized Bank Code (CLABE)• Federal Tax Payments (SAT)• Loans

• Services• Inquiries Regarding my Accounts• Check Protection• Account Updates• Review of Agreement

• Security• Change of my Confidential Code• Change of my e-mail Address• Change of my Confidential Question

Table of Contents

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Online Banking (Banca en Línea) is the BBVA Bancomer service thatenables you to execute all of your banking transactions from any computerwith access to the internet.

To Make Use of this Service:

Visit your nearest BBVA Bancomer Branch to request the service.Bring along your account number and an official identification.

If you have already been by a Branch office and have signed thecorresponding Agreement, please have the following items handy:

• Your Debit Card• The most recent Account Statement related to your card• Your PIN (used at ATM's)• Your e-mail address• Your Bancomer Safe Access Card*

* More information about the Bancomer Safe Access card on page 2 of this Guide.

Online Banking

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Bancomer Safe Access Card:

(Tarjeta de Acceso Seguro Bancomer)

Maximum ease and security for your online banking.

If you already are a USER of Online Banking, upon entering the Service, thesystem will request that you enter one of the three-digit positions, plus a verifyingdigit, found on the reverse of your Bancomer Safe Access Card.

If you are a NEW client, please enter our website www.bancomer.com/pcu andlocate the ACTIVATION button, follow the procedure outlined in the ACCOUNTACTIVATION section, and when the system so requests, enter the three-digitposition requested, plus the verifying digit found on the reverse of your card.

The serial number on the front of you Bancomer Safe Access Card is for theexclusive use of the Bank. Your access procedure does not change, it continuesto be with your Debit Card.

Example:

If the system requests position G7, plus verifying digit P, you will enter:

Position: 123Verifying Digit: 2

Bancomer Safe Access Card

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Account Activation

Please access the website.

1. Click on the Activate button to get started.

Account Activation

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Step 1 of 2

Please enter the information as requested.

1. Enter your Debit Card number (16 digits that appear on the front of your Debit Card).2. Enter the Account Number of your Checking or Savings Account

(10 digits as they appear on your Account Statement).3. Enter your four-digit PIN, as used to access ATM's. (Important: This number will be

requested only on this page and during the Activation process.Please remember that it is confidential).

4. In case you decide not to continue with this process, click on “Return” (Regresar) button.5. Click on “Continue” (Continuar).

Account Activation

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Step 2 of 2

At this time you will register your new Access and Operations Codesas well as your Confidential Question and Answer. Confidential question,in case you forget your passwords (It can be in English).

1. Please provide your e-mail address.2. Create your Access Code to the system, which must contain between 7 and 10

characters (This Code allows for access to the system as well as to inquiries).3. Confirm your Access Code.4. Create your Operations Code to execute monetary transactions, which must contain

between 7 and 10 characters (This Code allows you to make payments of Services and Credit Cards and execute Transfers to other accounts).

5. Confirm your Operations Code.

In order to provide greater security and thus protect your information, enter a ConfidentialQuestion to which only you will know the answer.

6. Enter your Confidential Question.7. Enter your Confidential Answer (Minimum of 7 characters).8. Confirm your Confidential Answer.9. Provide the Code of the Position as requested (From the reverse of the

Bancomer Safe Access Card: details on page 2 of this Guide).10. Provide the Verifying Digit as requested (From the reverse of the Bancomer

Safe Access Card: details on page 2 of this Guide).

Account Activation

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Important: The Access and Operations Codes are sensitive to UPPER and lower casingcharacters. Thus, they should always be entered exactly as they were registered.

11. If you decide to return to the previous page, click on “Return” (Regresar) button.12. Click on “Continue” (Continuar) button.This will allow you to access the following page

and continue with the process.

Following is the confirmation that the Activation Process to the advancedservice has been completed successfully.

1. The system will provide your Client Number and Code.2. Click on “Continue” (Continuar) button to exit the screen.3. You may print your Activation Confirmation.

Account Activation

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Access the Service

You may access your Preferred Customers' Unit bancomer.com serviceas follows:

• Entering the following website:

On this page you are presented with an outline of all the products andservices available to you through the Preferred Customers' Unit.

In order to access any of our Online banking services, you must enterthe number of your Debit Card in the “Access to Online Banking” Section(Acceso a Banca en Línea).

3. Access to Online Banking Section.

How to Access the Service

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You must also enter the password that you registered for access to yourOnline Banking.

4. In the first space you must enter the number of your Debit Card. In the second spaceyou must enter the password that you registered to access Online Banking.

For the next step, we ask that you have your Bancomer Safe AccessCard on hand.

5. In the first space you must enter the position as requested, which is on the reverse ofyour Safe Access Card.In the second space you must enter the verifying digit as it appears on the reverse ofyour Safe Access Card.(For any questions, please go to page 2 of this Guide).

How to Access the Service

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General Services Menu:

The Preferred Customers' Unit Online Banking Service presents themenu of services that you may access through our website.

6. Services Menu.

Balances and Transactions:

You may consult the balances of all your accounts: Checking, Savings,Credit cards and Investments, and may review the transactions of thecurrent day or month, previous month, two-months back and the accountstatement for the last 6 months.


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1. Checking and Savings Accounts.2. Account Number.3. Type of Account (Savings, Libretón or Checking).4. Currency (Mexican pesos).5. Current Available Balance (Balance in the Checking or Savings Account).6. Balance Subject to Clearing.7. To review the transactions for the day, select the Account and click on the “Current Day”

(Día actual) option.8. To review the transactions for the month, select the Account and click on the

“Current Month” (Mes actual) option.9. To review the transactions for the previous month, select the Account and click on the

“Previous Month” (Mes anterior) option.10. To review the transactions for the previous two months, select the Account and click

on the “Previous 2 Months” (2 Meses atrás) option.11. To review your Account Statement, select the Account and click on the “Account

Statement” (Estados de cuenta) option.12. US dollar Checking Account.13. Account Number.14. Origin.15. Current Available Balance.16. Balance Subject to Clearing.17. To review the transactions, select the account and the option “Current Day”, Current

Month”, “Previous Month”, and “Previous 2 Months”.


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Transfers Between my Accounts:

With this option, you can execute transfers of funds between youraccounts, in Mexican pesos and US dollars, as well as purchase or sellUS dollars.

Additionally, you may cancel any transfers you had previouslyprogrammed.

Transfers between my Mexican peso Accounts.

1. In this option you select the Account of Withdrawal.2. In this option you select the Account of Deposit.3. Enter the amount you wish to transfer.4. Click on “Continue” (Continuar).

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5. This screen is to confirm the transfer to be executed and indicates: Account of Withdrawal,Account of Deposit, Amount of Transfer and Date that the transfer will be executed.

6. You must enter the Operations Code that you registered for your Online Banking.7. If you are in agreement with the information as posted, click on the “Process” (Procesar)

button and you will have authorized the transaction.

Transfers between my US dollar Accounts:

In this option you may execute transfers of funds between your accountsin US dollars.

1. Select the Account of Withdrawal.2. Select the Account of Deposit.3. Enter the amount you wish to transfer.4. Enter the date on which you want the transfer executed.5. Click on “Continue” (Continuar).


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1. The Funds Transfer Confirmation includes: Account of Withdrawal, Account of Deposit,Amount of Transfer and Date of Execution.

2. Please verify the information and enter the Operations Code. (Important: The OperationsCode is sensitive to UPPER and lower case characters. Please enter as it was registered).

3. If you need to change any detail of the transaction prior to executing, click on the “Correction” (Corregir) button.

4. Click on “Process” (Procesar) button to continue

Purchase and Sale of US dollars:

Select the option of Purchase and Sale of US dollars from the Menu.

1. Select the Account of Withdrawal (The combo shows the Type of Account, Currency, Account Number and Balance).

2. Select the Account of Deposit (The combo shows the Type of Account, Currency, Account Number and Balance).

3. Enter the amount in US dollars.4. Click on the “Continue” (Continuar) button.


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Following are the full details for you to validate before you authorizethe transaction.

5. Details of the Account of Withdrawal (Account Number and Currency).6. Details of the Account of Deposit (Account Number and Currency).7. Basic information of the transaction is displayed: Type of Transaction

(Purchase or Sale), Date of the Transaction and Exchange Rate (Informative).8. Please verify the information and enter your Operations Code

(Important: The Operations Code is sensitive to UPPER and lower case characters. Please enter as it was registered).

9. Click on “Process” (Procesar) button to continue.

The exchange rate in effect at the time of the transaction will be appliedto the transaction and will be reflected on the Confirmation.


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Transfers to Third Parties:

This option provides for the transfer of funds to third-party BancomerChecking Accounts and Credit Cards in Mexican pesos and US dollars.

It also enables you to list frequent transfers as well as cancel transfersthat had been programmed in advance.

In order to comply with general dispositions regarding banking security,it is necessary to register the third-party account prior to requesting thetransaction.

1. Enter the third-party Checking Account (10 digits). If you need additional information, please click on the “Help” (Ver Ayuda) link.

2. Click on the “Process” (Procesar) button to continue.


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Transfers to Other Banks:

The rate charged for this transaction will vary according to the amountand the date of the deposit.The feature of Credit Card Payments only applies to those issued bybanking institutions. Payments to Credit Cards of other commercialentities (i.e., Comercial Mexicana) cannot be processed.Additionally, you may list your frequent transfers as well as cancel anytransfers that you had programmed in advance.(US dollar transfers cannot be made to other banks)

1. Select Bank of Destination.2. Select Account of Deposit (CLABE is the Standardized Banking Code and consists of

18 digits. TDD is the Debit Card number, which consists of 16 digits).3. You must enter the CLABE or TDD numbers.4. Enter the name of the Beneficiary.

Next, you enter your Codes, with which you are expressing your approval for the registration of the Account of Deposit, which is done in a matter of minutes.

5. Enter the Position “XX” which appears on the reverse of your Safe Access Card.6. Enter the Verifying Digit “X” which appears on the reverse of your Safe Access Card.

Payment Orders:

With this option you can execute Money Payment Orders to any CEDaccount. (Service Available exclusively to a Laredo National Bankaccount in the United States)

The “Inquiries” Option shows information regarding transfers processedor programmed on the current day or month, previous month or previous2 months.

Additionally, you may cancel any transfers programmed in advance.


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1. Select the Account of Withdrawal (The combo shows the Type of Account, Currency, Account Number and Balance).

2. Enter the amount and currency.3. Amount.4. Currency.

Enter the Data of the Paying Bank

5. Name.6. ABA.7. Address.8. Country.

Enter the Beneficiary's Information:

9. Name.10. Account.11. Address.12. Country.13. Phone Number.14. Reference.15. Click on “Process” (Procesar) button to continue.


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Payment of Services or Utility Bills:

This feature allows you to pay for your different services and/or utilities,by selecting the icon representing your service provider or by using anidentification code.

Use any of the following methods to find the company/service provideryou wish to pay.

1. Click on the Company Logo of the service provider. (or)2. Select the business sector of the product / service in order to get a list of the companies

that have an agreement with BBVA Bancomer. (or)• Food and Beverage (Alimentos y bebidas).• Auto Finance and Insurance (Autofinanciamientos y Aseguradoras).• Automobile, Transportation, and Distribution (Automotriz, Transporte y Distribución).• Schools, Institutes, and Universities (Colegios, Institutos y Universidades).• Construction and Mining (Construcción y Minería).• Taxes, Contributions, and Donations (Impuestos, Contribuciones y Donativos).• Chemicals, Gas Utility Bill, and Energy Bill (Química, Petroquímica, Gas y Energía).• Cable/ TV, Telephone, and Electronics (Televisoras, Telefonía y Electrónica).• Department Stores / Shops (Tiendas y Comercios).• Tourism (Turismo).

3. If you have the CIE (Agreement Number) you may enter it instead of selecting the company’s Corporate Logo. (or)

4. You may also find a company entering the corporate name.(or)5. Press “Realizar una búsqueda avanzada” to do a name search.


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1. In order to comply with general dispositions regarding banking security, it is necessaryto register the third-party accounts prior to requesting the transaction.

2. The Agreement to be registered is: (It appears as the name of the corporation and theAgreement Number).

3. Reference Number (Please enter the Credit Card Number as it appears on your AccountStatement, without dashes or spaces).

4. Concept (Enter the complete name of the Account Holder as it appears on you AccountStatement).

5. Click on “Continue” (Continuar) button.


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This option also allows you to store the information of your frequent CIE paymentsin the “Frequent Payments” (Pagos Frecuentes) File.You may also review the service payments you have made during the day orcancel previously programmed payments.

1. Select the Account with which you made the payment.2. Click on the “Continue” (Continuar) button.

Additionally, you can purchase Air Time for your Cellular Phone:

1. Select the name of your Cellular Phone Service Provider.2. Select the amount you wish to purchase.3. Enter the Cellular Phone Number (last 10 digits).4. Click on the “Continue” (Continuar) button.

This transaction will affect the amount available for withdrawal at ATM's fromyour Debit Card, as it is linked to your Account of Withdrawal.


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The basic information is displayed for you to validate its accuracy (Typeof Service, Cellular Phone Number, Account to be Charged, Amount,Date of Transaction).

5. Please verify the information and enter your Operations Code (The Operations Code is sensitive to UPPER and lower case characters. Please enter as it was registered).


Investments:

This feature allows you review and transact with all investment vehicles(Term Investments or Mutual Funds) available in Mexico.

Term Investments:

Purchase (Deposit).- You may make your investments at any time.Sale (Withdrawal).-You may request the withdrawal of your investmenton the date of maturity.


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Term Investments - Purchase (Deposit):

1. Select the Investment Account/Contract (The combo presents the Account/Contract Number, Type and Balance).

2. Select the Investment Instrument.3. Select the Account to which the Investment will be charged (The combo presents

Account/Contract Number, Type and Balance).4. Enter the amount to be invested.5. Click on the “Continue” (Continuar) button.

6. Select the Term of the Investment (In days).7. Select the Capital Payment Instructions (Instructions at the maturity of the capital).8. Select the Interest Payment Instructions.


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Mutual Funds:

Purchase. This option allows you to purchase shares of Mutual Fundsaccording to the settlement periods (Same Day, 24 hours, 48 hours,etc.) of the particular Funds you choose.

Sale. You may execute the sale of Mutual Fund shares, in compliancewith the rules established be the Prospectus of the Funds and accordingto the particular settlement periods (Same Day, 24 hours, 48 hours, etc.)of the Funds you own.

1. Select the Fund you want to review and click on the “Continue” (Continuar) button.2. Click on the “Continue” (Continuar) button.


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Credit Card:

With this feature, you may execute cash withdrawals against yourBancomer Credit Card, payments towards your Card, advance paymentstowards promotions and redemption of points generated by your CreditCard.

Additionally, you may cancel any programmed payments.

1. Select the Account of Withdrawal.2. Select the Account of Deposit.3. Enter the amount to be transferred.4. Click on the “Continue” (Continuar) button.


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5. Next, your information is displayed so you may validate its accuracy (Account of Withdrawal, Account of Deposit, Amount, Date of Transaction).

6. Please verify the information and enter your Operations Code (The Operations Codeis sensitive to UPPER and lower case characters Please enter as it was registered).


5. Next, your information is displayed so you may validate its accuracy (Account of Withdrawal, Account of Deposit, Amount, Date of Transaction).

6. Please verify the information and enter your Operations Code (The Operations Codeis sensitive to UPPER and lower case characters. Please enter as it was registered).



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1. Select the Account of Withdrawal.2. Select the Credit Card.3. Enter the Amount to be Transferred.4. Click on the “Continue” (Continuar) button.

Other Inquiries:

The following options are provided:

Internet Activity: Provides information regarding the inquiries andtransactions you have undertaken on the Online Banking website duringthe last 12 months.

Standardized Bank Code (CLABE): Allows you to convert your CheckingAccount Number into the CLABE format.

Federal Tax Payments (SAT): Allows you to electronically review yourSAT tax payments.


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Access to this option is provided by selecting any of the SAT icons thatBancomer has placed directly on the website.

Review of Standardized Bank Code (CLABE):

1. Select the Checking or Savings Account(Type of Account, Currency, Account Number and Balance).

2. Click on the “Continue” (Continuar) button.


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Next, you are displayed the Type of Account, Currency, Account Numberand CLABE Code.

3. Click on “Document” (Comprobante) button.

Inquiries - Federal Tax Payments- Applied:

1. Enter your Federal Tax Registration Number (RFC) or Bancomer Reference.2. Select the Inicial Date.3. Select the Final Date.4. Click on the “Process” (Procesar) button.


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Services:

With this feature you are able to access the following services:

Inquiries regarding charges and credits made to your accounts as wellas reviewing their status.

Check ProtectionCancellation and review of check protection requests.

Credit Card Application as well as update as to the status of theApplication.Review of Online Banking and Card Contracts.

Services - Inquiries Regarding my Accounts -Checking/Savings - Placement:

1. Select Account of Inquiry and the period in which the transaction in question occurs (Current Month, Previous Month, 2 Months Back).

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Services -My Credit Card - Request:

1. Select Account for your Request.2. Select the Service you Request (I Need an Additional Card to my Anchor Card).

3. Enter the Credit Limit you need.4. Enter the full name of the person to whom you will assign the Additional Card.5. Relationship.

Enter the contact information:6. Contact Name.7. Contact Phone Number (No Cellular Phones).8. Enter e-mail address (If you wish to modify your e-mail address, write over the text).9. If you need to provide additional details, please enter your comments.10. Click on the “Process” (Procesar) button.

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Services - My Credit Card - Inquiry:

With this feature of the Preferred Customers' Unit Online Banking Serviceyou are able to inquire on the status of your Credit Card Application.

1. Select an Inquiry Option (Application Number, Account Number, Date or Period of Application).

2. If you select the Application Number Option, please enter the Application Number.3. If you choose the Account Number Option, please select the Account.4. If you select the Date of Application Option, please enter the dates of your request.

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Security:

This option allows you to change your Confidential Codes, as well as your e-mail address and Confidential Question and Answer.

Change of Confidential Access Code:

1. Enter current Access Code.2. Enter new Access Code (7 to 10 characters).3. Re-enter new Access Code to confirm (7 to 10 characters).

Change of e-mail Address:

This feature allows you to change your e-mail address.

Your current e-mail address is displayed.1. Your new e-mail address is requested.2. Please verify the information and enter your Operations Code.3. Click on the “Process” (Procesar) button.

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Change of Confidential Question and Answer:

This option allows you to change your Confidential Question and Answer.In order to provide greater security and thus protect your information,enter a Confidential Question to which only you will know the answer.

1. Please enter the Confidential Question.2. Please enter the new Confidential Answer (A minimum of 7 characters).3. Confirm your New Confidential Answer (A minimum of 7 characters).4. Confirm with your Operations Code.5. Click on the “Process” (Procesar) button.

This Guide has been prepared as an auxiliary tool and is intended solely for the users ofBBVA Bancomer Online Banking Service.In no way may it be construed as a legal document nor as a solicitation of any sort on thepart of BBVA Bancomer.The information contained in this document is updated as necessary, on a best-effort basis.However, BBVA Bancomer cannot be held responsible for any changes in banking proceduresor legislation which inadvertently may have been overlooked.

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