An overview of the BBVA Compass services offered specifically to auto dealers

1. Auto Dealer
Financial
Services

2. Table of Contents
For your business
● Financing Programs Page 3
● Treasury Management Solutions Page 10
● Merchant Services Page 11
● Commercial Billing Service Page 13
● Managing Risk Page 14
● Storytellers– our clients in their own words Page 16
For your employees
● Partnership Banking for your employees Page 17
For you
● Wealth Management Page 18
About us
● Your Team of Bankers Page 19
● About BBVA Compass Page 20
● About BBVA Page 23

3. Financing Access to capital is critical to operating and
growing a successful dealership.
Programs For over 40 years, BBVA Compass has
provided competitive financing
programs1 for automobile dealers in:
Floor Plan Lines of Credit
Real Estate Term Loans
Acquisition Financing
Equipment Financing
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4. Dealer Floor Plan Lines of Credit
Financing available1 for New, Program, and Used Vehicle inventory
Flexible settlement terms for sold vehicles –
cash sales, dealer trades or finance contracts
Direct access to nationwide network of auctions enabling
streamlined payments
Deferred payment options for Fleet business
● Competitive pricing, independent of retail financing penetration
Equity Option (short-term cash management account) offsets dealership
floor plan costs, enabling a dealer to efficiently invest both business and
personal excess liquidity
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5. Real Estate Term Loans
Available for owner occupied facilities1
Construction / Purchase financing available
Refinance / Expansion of existing facilities
Terms: typically 5 – 10 year terms, with 15 – 20 year amortizations
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6. Acquisition Financing
Tailored to each deal1, depending on proposed capital structure and
projected cash flows
Franchise rights agreement assignment provides additional flexibility
Typically amortized over a 3 to 7 year period, enabling cash flow from
acquisition to serve as primary debt service source
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7. Equipment Financing
Available to support new build or replacement/ additions to existing
facilities1
Short and long term loans available (up to 7 years)
Interest rate protection options available to manage interest rate risk
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8. Benefits of experience
BBVA Compass has been offering solutions for Floor Plans and
Dealer Indirect solutions since 1970
Collateral— allowing a pool of used vehicle inventory, parts and
fixed
assets or other collateral to be used as a pledged collateral base
against
funds which can be advanced
Nationwide auctions— relationships with over 40 auto auctions
nationwide, enabling BBVA Compass to pay direct to the auctions
with
no cash outflow from the dealer
Equity Option— product allowing the dealer to deposit excess
personal
or dealership funds to offset the vehicle floor plan loan balance,
reducing interest charges 8

9. Treasury Management Services
Auto dealers have unique treasury management needs
Structure accounts and services to individual needs of
Team of each dealership; your team includes a TM manager,
Specialists
product support specialists and implementation specialists
These products and services leverage
up-to-date technology providing
The latest dealers with direct control over cash
technology flow accounts, minimize idle balances,
increase earnings and manage risk
-Automatic Investment Loan -Compass
Special
PaySource® Card
Offerings1 for -Automatic Investment Vehicle -Compass Remote
Auto Dealers
Deposit
-CompassView® Online®
-Compass e-Access® Services -Compass e-
Access® 10

10. Dealer Merchant Services
Auto dealers can have an experienced partner in
powerful payment processing solutions
Currently process over 200 merchant accounts for the auto
industry and over $107 million in annual purchase volume
Processing credit card transactions for over 25 years
Current portfolio of over 14,000 active merchant accounts, over
42 million transactions and $3.6 billion in processing volume
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11. Dealer Merchant Services
All cards accepted: MasterCard, Visa, Discover, American Express,
Diners, JCB and Fleet Cards: Voyager and Wright Express
Funds availability: MasterCard, Visa and Discover proceeds are
deposited via ACH within 24 hours into your BBVA Compass
checking account1
Real-time Internet processing
Several products for credit card processing include: terminal based,
Pin Pad, Internet solutions and gift cards
E-Connections: a comprehensive on-line information tool that
delivers complete review and management of authorized
transactions and historical data
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12. Commercial Billing Service
Put your receivables on the fast track
A complete non-recourse accounts receivable service with funding in
advance. We manage your accounts receivables , allowing you to focus
on more profitable activities— such as growing your business.
How your company How your customers
1 2
2
can benefit includes: benefit includes:
● Immediate return ● Dedicated customer
service
on business-to-business ● Simplified reconcilements
accounts receivable ●No interest charges or late
fees
● No bad debt losses ● Focused sales and service
● Expense reduction from attention from you
reduced company workload
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● Extra leverage on difficult accounts

13. Managing Risk
Customized solutions for exposure to market risks
Risks include: ● Interest rates ● Foreign Exchange ● Commodities
Hedging solutions are developed to meet your risk profile, market view and
strategic goals; solutions from both a risk and accounting perspective
Rates Swaps, Forwards, Caps, Floors Teamwork by your
Relationship Manager
and a risk specialist
Foreign
Spots, Calls, Puts, Forwards
Exchange
Dealer
Client
Energy - Swaps, Collars, Options
Commodities
(Caps, Floors)
Treasury Speciali
RM Solutions
st
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14. Interest Rate Swap Pricing Example* for ―Sample‖ Auto Dealer (AD)
Loan pricing is LIBOR + 2.50%
10-year term/ 20-year amortization
Current LIBOR = 0.26% Fixed Term 3 Years 5 Years 10 years
Current Floating Rate = 0.26% + 2.50% = 2.76%
Considerations: 1. Immediate
Starting Fixed 3.90% 4.63% 5.79%
- By entering into a swap, AD can lock in Swap Rate
a fixed rate of 4.81% for the 5-year term
2. Fixed Swap
- The Rates, Currencies, Commodities (RCC) Rate Beginning 4.22% 4.98% 4.22%
in 12 months
group pays AD a floating rate AD then passes
the floating rate to their LENDER to satisfy the
original loan agreement
$Principal$
-In exchange, AD agrees to pay RCC SAD BBVA
BBVA
a fixed rate of 4.81% AD Compass
LIBOR + 2.50%
Floating
Compass
-The net effect is AD can lock-in at 4.81% 4.81% Fixed LIBOR + 2.50%
Floating
for the 5-year term
Interest rate swaps can be utilized on FRMG
term loans as well as floor plan lines of credit RCC
*For additional information, contact your BBVA Compass relationship manager. This example is prepared for informational purposes only , is based on
January 2012 market conditions, and is subject to change. Information used in this example is based on sources believed to be reliable. No
representation is made that it is accurate or complete or that any returns will be achieved. Changes in assumptions may have material impact on
returns. Past performance is not indicative of future results.
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15. Storytellers – our clients in their own words
An online, interactive web site featuring BBVA Compass clients.
Visit this site to hear their stories: www.bbvastorytellers.com
To view Tuscaloosa Toyota, Tuscaloosa, AL click on the image below:
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16. Partnership Banking
The program includes several banking features to meet the
personal financial needs of you and your team
Partnership Banking1,7 includes:
Build to Order Checking® account
Basic Savings account
And special offers for:
- mortgages
- equity loans and lines of credit
- secured loans
- simple lines of credit
- credit cards
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17. Wealth Management
Investing, retirement planning, and business
transition planning may all play a role in
your business’s financial future
● Investing— short-term and long-term
investments2,3,4
● 401(k) plans— comprehensive
consultative
services to design, implement
and administer retirement plans
● Transition planning— business transition
and
succession, plans including family
transfers,
and external and internal sales2,3
Solutions are offered for a full range of
personal investments, trust and estate
planning, asset management, and
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more.2,3,4,5,6

18. Your BBVA Compass Team
Jamie Shulman
SVP. Relationship
Manager
jamie.shulman@bbvacompass.co
m
602-522-6896 Office Cindi Combs
Team
602-826-1732 Cell Treasury Management
David Smith cindi.combs@bbvacompass.com Steven Curl
602-285-3653 Accounts Receivable Financing Group
Manager
Dealer Commercial Services arfinancing@compassbank.com
david.smith@bbvacompass.com 915-485-9274
205-238-2274 Matt Edwards
Product Solutions Specialist
Dawn Armstrong matthew.edwards@bbvacompass.com Jon Ruzan
Floorplan Auditor 602-778-0788 Partnership Banking
dawn.armstrong@bbvacompass.com jon.ruzan@bbvacompass.com
205-238-2262
602-565-8531
Karen Engelbardt David Lundgren
Indirect Sales Manager Private Banker
Karen.engelbardt@bbvacompass.com david.lundgren@bbvacompass.com
480-213-7670 480-368-1142
Donna Lynn Galloway
Relationship Support Specialist
donnalynn.galloway@bbvacompass.com
602-778-7063
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22. About BBVA
BBVA is a financial services group with more than $660 billion in total assets, 50 million clients,
7,466 branches and approximately 111,306 employees in more than 33 countries. BBVA provides its
customers around the world with a full range of financial services, including commercial and
wholesale banking, retail banking services, consumer loans, mortgages, credit cards, securities
brokerage, wealth management, pension plan management and insurance. The BBVA Group
maintains a leadership position in Spain, Mexico, Latin America and the Sunbelt Region of the
United States as well as operations in China, France, Germany, Hong Kong, Italy, Japan, Singapore,
Switzerland, Turkey and the United Kingdom.
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23. BBVA – Among the safest banks in the world
BBVA is the only major bank in the world that has not raised capital or received
government
assistance due to the financial crisis.
Harris Interactive Poll: Named BBVA Compass Retail Bank Brand of the Year for 2011
BBVA is ranked as one of the top 20 financial services companies in the world based on
market capitalization.
BBVA continues to outperform its peers in many measures of credit quality and has a
proven
track record of outperforming the industry in both good times and challenging
environments.
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26. Summary
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27. 1 Allloans subject to approval, including credit approval. All accounts are subject to approval.
2 Investments advisory services are available through SEC registered investment advisor affiliates of Compass Bank.
3 Securities and investment products offered b BBVA Compass and/or its affiliates are NOT deposits, are NOT FDIC insured, are NOT bank
guaranteed, are NOT insured by any other Federal Government Agency and may LOSE value.
4 Securities and investment products offered by BBVA Compass Investment Solutions, Inc., member FINRA and SIPC, and a wholly owned
subsidiary of Compass Bank are NOT deposits, are NOT FDIC insured, are NOT bank guaranteed, are NOT insured by any other Federal
Government Agency and may LOSE value.
5 BBVA Compass and its affiliates will work with you and your tax and legal advisors. BBVA Compass and its affiliates do not provide legal and tax
advice.
6 Insurance products are offered through BBVA Compass Insurance Agency, Inc. Insurance products are NOT FDIC insured, are NOT bank
deposits, have no bank guarantee, and are NOT insured by any Federal Government Agency. BBVA Compass Insurance Agency, Inc., is
a wholly owned subsidiary of Compass Bank.
7 Compass Bank is an Equal Housing Lender. See all product details and disclosures of Partnership Banking on the included Fact Sheets.
BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC
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