BBVA Free Checking

Account Disclosure - Alabama

Minimum Deposit Needed $25 to Open Account

Monthly Service Charge $0 (Monthly Fee)

Requirements to Waive N/A Monthly Service Charge

Interest-Bearing NO

ATM Fees Charged by BBVA $0 For using an ATM in BBVA's ATM network

$3 For using an ATM outside of BBVA's ATM network

Insufficient Funds (NSF) $38 Per returned item presented Charge - Returned Item against insufficient funds (see maximum penalty fee ACCOUNT OPENING AND number below) USAGE Deposit Item Returned Fee $15 For each item that you deposit that is rejected by the payor bank ($25 for foreign items)

Stop Payment Fee $32 Per request made in a branch or by telephone to stop payment of an item

$25 Per request made online to stop payment on a check

Early Account Closing Fee $0 If account closed within 180 days of opening

Dormant Account Fee $5 Per statement cycle

Other Service Fees Please consult your account disclosure for a list of additional service fees Option A: (Default) No Overdraft Service If you choose not to opt in to our Courtesy Overdraft Option service or any other overdraft service, ATM and everyday debit card transactions that would cause an overdraft may be declined at no cost to you.

Option B: Linked Inter-Account $12 Per day in which an Account Overdraft Transfer Fee overdraft is covered Sweep Service (Overdraft Transfer by a transfer from a Fee) linked savings account

Option C: Overdraft Overdraft Protection $12 Per day in which an Line of Credit* Fee overdraft is covered (Overdraft Transfer by a transfer from a Fee) linked line of credit (subject to approval, including credit approval)

Option D: Courtesy Insufficient Funds $38 Per overdraft item Overdraft Option Charge - Paid Item covered by the bank Fee (Overdraft Penalty Fee) Insufficient Funds (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.

Maximum Number of 6 You will only be Overdraft Penalty and charged this number NSF Fees per Day of overdraft penalty and NSF fees per day, even if we elect to cover additional overdrafts or return additional items.

Minimum Amount An overdraft item that causes the available balance Required to Trigger on your account to be overdrawn by more than an Overdraft Penalty $1.00 will cause you to incur an overdraft penalty Fee fee.

OVERDRAFT OPTIONS FOR CONSUMERS WITH DEBIT CARDS Extended Overdraft $23 Assessed when your Service Charge account is overdrawn (Extended Overdraft by more than $1.00 Penalty Fee) for seven consecutive calendar days. An additional$23 Extended Overdraft Service Charge will be assessed for every seven consecutive calendar days that your account remains overdrawn by more than $1.00. A maximum offour Extended Overdraft Service Charges may be assessed per overdraft occurrence. You will not be assessed an Extended Overdraft Service Charge if the overdraft is solely attributable to ATM and everyday debit card transactions and you are opted out of our Courtesy Overdraft Option, meaning you do not want BBVA USA to authorize and pay overdrafts on these types of transactions. This Charge is in addition to any Insufficient Funds (NSF) fees you may incur as a result of items being presented against insufficient funds.

* An APR of 21% applies to the Overdraft Protection Line of Credit. Having an Overdraft Protection Line of Credit does not guarantee you against paying NSF fees; your line of credit may not be sufficient to cover all transactions. Posting Order We process and post transactions - both The order in which withdrawals and credits (including deposits) and debits - deposits are processed throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity.

Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day.

Summary of Our Deposit • Cash deposit with teller or at ATM - Hold Policy Same business day as the day of This is a summary and generally applies deposit when deposit amount is less than $5,000 - absent a deposit hold. See the • Consumer Deposit Account Agreement, Direct Deposit/wire transfer - Same Funds Availability Disclosure, for a business day as the day of deposit detailed description of our deposit hold PROCESSING POLICIES policy. • Check deposit with teller or at ATM - same business day as the day of deposit

• If something causes a longer hold on a deposit listed above, the first $200 of that deposit will generally be made available the same business day as the day of deposit

• Mobile Deposit - Within 5 business days or less. Date displayed in mobile application.

A "business day" is a non-holiday weekday. At branches, business days end at closing time. At ATMs, business days end no earlier than 8:30 p.m.

Dispute Resolution Agreement If a dispute arises between us, either party may require that it be resolved through arbitration, rather than through DISPUTE RESOLUTION jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details.

Full Terms & Conditions

Minimum Opening Deposit $25

Monthly Service Charge $0

ACCOUNT OPENING AND Statement Cycle Monthly MAINTENANCE

Paper Statement Fee No additional charge

Dormant Account Fee $5 per statement cycle

As a BBVA Free Checking accountholder, you can customize your account by adding Custom Features based on your personal financial needs. Each Custom Feature is available for an additional fee per Custom Feature per statement cycle. The Custom Features terms and applicable fees are listed below. ATM Transactions 1 No BBVA fee for using $5 per statement cycle another bank's ATM and up to four automatic rebates of ATM fees charged by other banks - maximum of four rebates per statement cycle.

CUSTOM FEATURES Check Supply 1 Unlimited Supply of Standard $2 per statement cycle Checks and 50% off other styles of your choice.

Cashier's Checks 1 Unlimited Cashier's Checks. $2 per statement cycle

Safe Deposit Box 2 3 X 5 Safe Deposit Box. $3 per statement cycle

1ATM Transactions, Check Supply and Cashier’s Checks: These features can be selected and de-selected at a BBVA USA Banking Center or by calling 1-844- BBVA USA. Selections are effective immediately. Feature cannot be de-selected for minimum of six (6) months from date of selection (for example, if a Custom Feature is selected on January 15, 2017, it can not be de-selected until July 15, 2017). The applicable Custom Feature fee will be assessed beginning with the first statement cycle that the feature is selected and ending when the feature is de-selected.

2Safe Deposit Box: Subject to availability. The Safe Deposit Box Custom Feature may be selected and de-selected only at the BBVA USA Banking Center where the Safe Deposit Box is located. The Safe Deposit Box Fee associated with the Safe Deposit Box must be auto debited from the BBVA Free Checking account. If the BBVA Free Checking account is closed, or if the Safe Deposit Box Fee is no longer auto debited from the BBVA Free Checking account, the rate associated with the Custom Feature will no longer be applicable for the Safe Deposit Box. Safe Deposit Box must either be closed or a new Safe Deposit Box lease agreement must be entered into at the BBVA USA Banking Center where the Safe Deposit Box is located.

Fee to Use BBVA USA ATMs $0 for using BBVA USA ATM to complete any transaction.

BBVA Fee to Use another Bank's ATMs $3 per transaction +

+ATM and/or service fees charged by other banks and ATM owners still may also apply

ATM FEES International Service Fee (ATM) 1% of transaction amount

International Service Fee (non-ATM) 3% of transaction amount

International Transactions are those transactions using your ATM or Check Card made outside of the United States, even those in US dollars. A full description of the currency conversion process is contained in your ATM/Check Card Agreement. Insufficient Funds Charge (NSF) - Paid $38 per item* OVERDRAFT / INSUFFICIENT FUNDS Item FEES Insufficient Funds Charge (NSF) - $38 per item Returned Item

*Insufficient Funds (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.

The NSF charges described above are applied for processing items presented for payment against insufficient funds (NSF) with a maximum of six (6) charges per day. These charges are imposed on items created by check, in-person withdrawal, ATM withdrawal, Check Card transaction, or other electronic means.

Extended Overdraft Service Charge $23.Assessed when your account is overdrawn by more than $1.00 for seven consecutive calendar days. An additional $23Extended Overdraft Service Charge will be assessed for every seven consecutive calendar days that your account remains overdrawn by more than $1.00. A maximum offourExtended Overdraft Service Charges may be assessed per overdraft occurrence. You will not be assessed an Extended Overdraft Service Charge if the overdraft is solely attributable to ATM and everyday debit card transactions and you are opted out of our Courtesy Overdraft Option, meaning you do not want BBVA USA to authorize and pay overdrafts on these types of transactions. This Charge is in addition to any Insufficient Funds (NSF) fees you may incur as a result of items being presented against insufficient funds.

Inter-Account Transfer Fee $12 per day on which any such transfer occurs. Transfers funds from customer designated account to cover potential overdrafts in checking account.

Overdraft Protection Fee $12 per day in which an overdraft is covered by a transfer from a linked line of credit (subject to approval, including credit approval) An APR of 21% applies to the Overdraft Protection Line of Credit. Having an Overdraft Protection Line of Credit does not guarantee you against paying NSF fees; your line of credit may not be sufficient to cover all transactions.

Stop Payment Request (Branch/Phone) $32 per request

STOP PAYMENT FEES Stop Payment Request (Online Banking) $25 per request (checks only)

Deposit Item Returned $15 per item DEPOSIT FEES Deposit Item Returned (Foreign) $25 per item Personalized Debit Card Fee $10 for each Personalized Debit Card

DEBIT CARD FEES Replacement Card Fee $5 ($10 for Personalized Debit Card)

Rush Replacement Card Fee $50

Statement Upgrade Fee (Image $5 per statement cycle Statement Fee)

OTHER STATEMENT FEES Special Statement $5 per statement cycle

A special statement may include, but not be exclusive to the following: daily statements, duplicate statements, hold statements and statement printouts.

Domestic:

- Incoming (Customer) $15

- Outgoing (Customer) $30

- Outgoing Repetitive (Customer) $25.

International: WIRE TRANSFER FEES (ALL FEES ARE PER TRANSFER) - Incoming (Customer) $15

- Outgoing (Customer) $45

Confirmation:

- Fax/Email $3

- Mail/Phone $5 Cash Handling Fees:

- Rolled Coin $0.10 per roll

- Strapped Currency $0.20 per strap

- Bank Bags (Zipper) $5 per bag

- Bank Bags (Locked) $20 per bag

Check Charges:

- Temporary Checks $1 each

- Personal Checks Personalized check order charges, including tax and shipping and handling, are debited from your account when your order is placed. Check order charges vary.

- Cashier's Checks $10each

Collection Items (all fees are per item):

- Incoming $20 MISCELLANEOUS FEES - Outgoing $20

- Non-Customer $25

- Bond Coupon $5

- International $20 plus costs

Deposit Fees:

- Deposit Correction Fee $2.50 per item

- Deposits to Closed Accounts $25.00 per deposit

Legal Fees:

- Garnishments, Levies, Court Orders $150 plus attorney fees

Reconcilement/Research Fees:

- Reconcile Statement $25 per hour

- Research $25 per hour

- Copy of Fax $3 per page

Staff-Assisted Call (over 5/month) $1 per call over 5 in a month TELEPHONE BANKING FEES Telephone Transfer Fee $3 per transfer Online Banking No additional charge

Online and Mobile Bill Pay No additional charge ONLINE AND MOBILE BANKING FEES Mobile Banking No additional charge Message and data rates may apply - check with your wireless provider. Important Information about the $200 Account Opening Bonus

How to qualify for the $200 Checking Bonus:

You must:

• Be the primary BBVA account holder who received this promotional offer by email or direct mail

• Open a new BBVA Free Checking Account by April 10, 2021 For accounts opened in branch, online or by calling 1-844-BBVA USA, eligible accounts include BBVA Free Checking and BBVA Easy Checking. BBVA Free Checking and Easy Checking only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.

• You must receive a qualifying direct deposit of at least $500 by June 15, 2021. A qualifying direct deposit is a recurring paycheck, pension or government benefits (such as Social Security) from your employer or the government. The following deposits are not qualifying direct deposits: interest payments or transfers from your investment accounts; payments received from payment apps such as PayPal, Venmo and other similar payment service providers; tax refunds or other one-time economic stimulus payments such as financial assistance made available under the CARES Act or any other financial assistance made available in express response to the COVID-19 pandemic. If more than one Direct Deposit is received before June 15, 2021 at least one Direct Deposit must be in the amount of at least $500.

• You must be a new BBVA consumer checking customer who has not had a BBVA consumer checking account open within the last 36 months or closed due to negative balance to be eligible for the bonus.

• The promo code 0321FREE must be applied at account opening for accounts opened in branch and the promo code 0321OLFREE must be applied at account opening for accounts opened online.

Other Information: Accounts must be open and in good standing with a balance greater than or equal to $0.00 at the time of payment in order to receive the new account bonus(es). We reserve the right to deduct the bonus amount if the account is closed within 12 months of opening. If qualifications are met, you will receive your bonus by August 15, 2021.

Only one bonus can be earned by each customer.

These bonuses are not combinable with other BBVA Direct Deposit cash bonus promotions, and you may not have received a Direct Deposit bonus in the past 36 months.

Offer subject to change at any time without notice. BBVA may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA to impose tax withholding of any sort will not be eligible for this bonus.

Applicable Fees and Service Charges

Your account will be subject to the terms and conditions, including all fees and service charges, applicable to BBVA accounts in the state where we maintain your account. For purposes of this disclosure, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened: if you opened your account by mail, at the location where the mail was received by us; or if you opened your account electronically (including by telephone) and your address is in a state where we have branch offices, in the state of your address at the time you opened your account; or if otherwise, in Alabama.

For additional terms governing your account, please consult the Consumer Deposit Account Agreement.

NOTE: The above-noted fees and service charges are not set bank-wide. These prices are driven by the competition in your local market. Rev. 03/2021

© BBVA USA has been acquired by The PNC Financial Services Group, Inc., and is operating as an affiliate of PNC Bank, N.A. (“PNC”) until BBVA USA is merged into PNC, which is anticipated to happen later this year. Until then, BBVA USA will continue to offer independent products and services, which may include different product features, underwriting guidelines, terms, fees, and pricing. If you would like to learn more about PNC’s products, you can do so by visiting PNC. com.

© The PNC Financial Services Group, Inc. BBVA USA is a Member FDIC and an Equal Housing Lender. BBVA is a registered trademark of BBVA, S.A. and is used under license.