TREASURY MANAGEMENT

User Guide

Vault Services

Table of Contents BBVA Compass Cash Vault Services 2

Deposit Preparation Guidelines 

5

Cash Vault Locations 

2

Currency Deposit Preparation Guidelines 

6

Service Deadlines 

2

Loose Coin (under $10) Preparation Guidelines 6

Holiday Schedule 

2

Bulk Coin Preparation Guidelines 

6

DeposiCash® 

Check Preparation Guidelines 

7

3

Overview 

3

Change Order and Supply Information  7

Service Guidelines 

3

Telephone Change and Supply Order Entry Procedures 

7

Service Guidelines 

5

Cash Shipment and Delivery Guidelines 

5

Contact Information 

8

TM-02-9001C rev. 08/15

BBVA Compass Cash Vault Services Cash Vault Locations We currently offer vault services in the following locations. Birmingham, AL

Denver, CO

Detroit, MI

Austin, TX

Huntsville, AL

Gainesville, FL

Minneapolis, MN

Beaumont, TX

Mobile, AL

Jacksonville, FL

Kansas City, MO

Dallas/Fort Worth, TX

Little Rock, AR

Miami, FL

Springfield, MO

El Paso, TX

Phoenix, AZ

Orlando, FL

St. Louis, MO

Houston, TX

Bakersfield, CA

Tampa, FL

Charlotte, NC

Laredo, TX

Fresno, CA

Atlanta, GA

Albuquerque, NM

Los Angeles, CA

Chicago, IL

Las Vegas, NV

Oakland, CA

Indiannapolis, IN

Oklahoma City, OK

Sacramento, CA

Wichita, KS

Columbia, SC

San Bernardino, CA

Baton Rouge, LA

Chattanooga, TN

San Diego, CA

Shreveport, LA

Memphis, TN

Lubbock, TX McAllen, TX San Antonio, TX Salt Lake City, UT

Service Deadlines In order for your account to be credited on the same day, your deposit must arrive at the vault location prior to 3:00 p.m. local time. Dallas and Phoenix vaults have a 6:00 p.m. local time deposit deadline.

Holiday Schedule BBVA Compass observes all Federal Reserve holidays; we are unable to receive shipments or process deposits or change orders on these days. The change order system will remain available for placing orders.

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DeposiCash® Overview DeposiCash® customers receive available credit the next business day for cash deposited into a smart safe that is serviced by an armored courier days before the physical cash is delivered to us. Not all armored courier programs are eligible for the DeposiCash® service.

Service Guidelines Safe Polling At the start of service, you and the armored courier determine the time which you want the safe to be “polled.” Polling the safe means that the armored courier remotely accesses the safe through the established communication protocol (VPN, DSL, Frame Relay, Dial-up, etc) at a specified time each day to determine the amount of cash deposited. The safe may only be polled once per day. You have the flexibility to determine the polling time that works best for your business; however, we recommend that you create a polling time after you have concluded business for the day. Using the entire day’s of cash receipts will facilitate your reconciliation of sales to the amount deposited to the bank. For example, if your business / location closes at 7:00 p.m., you may want to consider polling the safe at 8:30 p.m. to ensure that your employees have enough time to deposit all of the day’s sales to the safe. This will help you when balancing your accounts because it will be easier to find discrepancies, if any, by comparing a full day’s sales to a full day’s cash deposits.

Cash Cash deposits are posted on business days, Monday through Friday. Deposits made on Saturdays, Sundays, and national holidays are credited the next business day.

Checks While there are some safes that transmit checks electronically, most models do not offer that functionality. The base model safe has a drawer/slot where checks may be stored until pickup. If this method is used, the checks will be picked up by the armored courier when they come to service the safe and will be forwarded to BBVA Compass. The checks will not be processed until they are physically delivered to the bank, which depending on the pickup schedule from the armored courier, can be a delay of up to five business days. Even with a daily pickup, there is a day delay between the time that the armored courier picks up the deposits and when it is delivered to us due to the time the armored courier needs to prepare the deposit. This means that a deposit picked up on Wednesday will not be delivered until Friday and so on. Also, please remember that if you choose to have checks processed this way, you will need to provide a BBVA Compass deposit slip to the armored courier when they service the safe. Because of the delay, we do not recommend that customers store checks in the safe drawer/slot. If your company receives several checks from individuals/consumers, it will be more cost-effective for you to use a service that converts these checks into ACH items. If your company receives several checks from businesses which are not eligible for ACH conversion, please consider using our Compass Remote Deposit Online® service which enables you to scan these checks and deposit them electronically as late as 9:00 p.m. central time.

Deposit Preparation and Supplies For your cash deposits, the armored courier will prepare your deposit; you do not need to supply any deposit slips or bags as the safe prints out a receipt when the cash is picked up by the the armored courier guard. If you choose to store your checks in the safe, you will need to provide a deposit slip and deposit bag to the armored courier, so that they can deliver the checks to us for processing.

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Location Reporting BBVA Compass credit is provided per day and per bank account. For example, if you have 10 locations depositing to a single bank account each day, you will see one deposit posted each business day to that account. The credit will be the sum total of deposits from all the locations tied to that account. You have the ability, through the armored courier’s application, to view the deposits made by each user at each safe.

Deposit Ticket Receipts Since credit is provided based upon the report from the safe rather than physical delivery of the cash, no deposit receipt ticket is mailed to you. Many of our customers already use Compass e-Access® for the balance reporting and other services. If you have image-enabled your Compass e-Access reporting, you can view images of the deposit ticket online through the previous day information reporting module. This method is preferable to many customers because it is faster than waiting for the deposit ticket to be delivered in the mail by USPS. Images are stored on the Compass e-Access system for 120 days and may be burned to a CD-ROM for extended long-term storage.

Deposit Adjustments BBVA Compass negotiated with the approved armored couriers for DeposiCash® to provide customers with a funds guarantee against counterfeit items to minimize the number of adjustments made to your account. Refer to your specific agreement with the armored courier for exact details.

Armored Car Pickup and Delivery You will establish the pickup of deposits and delivery of change orders directly with your armored courier at the time the service is implemented. Please address any concerns regarding pickup delays or changes directly with your armored courier. Note: There is a minimum of at least one armored courier pick up per week.

Remote Connection to Armored Courier (Network Connectivity) At the time the safe is installed, connectivity to the armored courier’s network from your location must be established to implement remote polling of the safe. BBVA Compass cannot provide credit without an established remote connection to the armored courier. We use the totals reported from the armored courier through their remote polling of the safe to determine the amount to credit to your bank account each business day.

Safe Maintenance Safe maintenance is provided by the armored courier and is established at the time the safe is installed. This service is not provided by BBVA Compass. Please use the contact numbers on the manual and training materials provided to you during installation to contact the armored courier for any questions regarding the safe or scheduling maintenance calls.

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Service Guidelines Cash Shipment and Delivery Guidelines BBVA Compass maintains the highest level of awareness for the safety and security of our employees, facilities and customers’ assets. Listed below are the courier performance guidelines for all of our cash vault locations. Deliveries or shipments presented by a courier that do not meet these requirements will not be accepted or processed. Please be sure any contracted courier companies you use meet these requirements. • Courier companies must have a State Transportation License. A copy of the current license must be on file with BBVA Compass. • Couriers must be armed and possess active weapons certifications. Courier companies must be able to produce evidence of such when requested by BBVA Compass. • Courier companies and their employees must be insured and bonded. A copy of the current insurance document or certification must be on file with us. • Courier companies must have a reputable history of service in the local market. We will review each company’s service and performance on an on-going basis.. • Courier companies must submit a picture roster of current employees on a monthly basis. A copy of the most current employee or delivery staff roster must be on file with us. • Courier companies must make deliveries on an approved delivery manifest that lists all items being delivered on each shipment. The courier company will retain their manifest for a minimum period of one year. • Courier companies will ensure their couriers to do not enter the working vault past the delivery point at any time. • Courier companies will ensure their couriers maintain professional contact with our employees at all times.

Deposit Preparation Guidelines All deposits that are delivered to BBVA Compass cash vaults using an armored car must be prepared using the following guidelines. Adhering to these guidelines will help ensure your deposits are processed in a timely and accurate manner. Please prepare a separate deposit for: • Currency • Coin (if over $10) • Checks (if over 20 checks) Please ensure your deposit slips are prepared as followed: • Use duplicate deposit slips, if you require a return receipt (other options available and fees are applicable). • Ensure that your company’s account name, location number, account number, and address are included on the deposit slip. • Record the deposit preparation date on the date line. • Record the total amount of the deposit on the deposit slip. Be sure to list the amount in the appropriate area (cash, coin, checks). Tip: You may combine currency, checks (if under 20 items), and loose coin (if under $10) on one deposit slip.

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• Retain a copy of the deposit slip for your records. Tip: In most cases, you can view a copy of your deposit slip using Previous Day Information Reporting on Compass e-Access. Please package your deposit as follows: • Place currency, coin envelopes, checks, and food stamps in one-way, number controlled, plastic transport security bags. Please provide the bank with a sample bag during your implementation. We will verify that your bags meet our security requirements. • Place deposit slip in bag so that it is visible through the bag window.

Currency Deposit Preparation Guidelines 1. Sort bills by denomination, placing bills in a flat, face-up position in the same direction. 2. Count each denomination carefully. Strap 100 bills of each denomination together. Record your company’s name and/or location, preparation date, and the employee’s ID on the strap. 3. For each denomination of which there are less than 100 bills, bills may be combined and rubber banded together. 4. Complete a deposit ticket for your currency. Tip: You may combine currency, checks (if under 20 items), and loose coin (if under $10) on one deposit slip.

5. Prepare your package as outlined above. Be sure your deposit is recorded on your amored courier company’s manifest.

Loose Coin (under $10) Preparation Guidelines 1. Place the loose coin in a coin envelope and seal. 2. Record the dollar amount and the customer name and/or location on the envelope. 3. Complete a deposit ticket for your loose coin. Tip: You may combine currency, checks (if under 20 items), and loose coin (if under $10) on one deposit slip.

4. Prepare your package as outlined above. Be sure to manifest your deposit with your armored courier company.

Bulk Coin Preparation Guidelines 1. Place coin in coin bag, not to exceed 50 pounds per bag. Tip: Couriers will not deliver bags that weigh over 50 lbs.

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2. Proper identification of your coin deposit is required. List your company’s name, account number, and/or location and date on the tag. Tip: If you have multiple bags, include the sequence number on the bag (i.e., Bag 1 of 2; Bag 2 of 2).

3. Complete a deposit ticket for your bulk coin. 4. Place the deposit slip in a separate enveloped marked with your company’s name and/or location. This envelope should be manifested with your armored courier company.

Check Preparation Guidelines 1. Stamp the reverse side of each check with your company’s endorsement. 2. Add all checks using an adding machine. 3. Arrange all checks in a face-up position in the same direction. Bundle together using a paper clip or rubber band. Attach adding machine tape. 4. Complete a deposit ticket for your checks. Tip: You may combine currency, checks (if under 20 items), and loose coin ( if under $10) on one deposit slip.

5. Prepare your package as outlined above. Be sure to manifest your deposit with your armored courier company. Tip: Money orders and travelers checks must be included with your checks and listed on your deposit slip as checks, not cash.

Change Order and Supply Information All change orders must be placed using BBVA Compass’ telephone order system. Change orders must be placed by 11:00 a.m. local time at least one business day prior to the requested delivery date.

Telephone Change and Supply Order Entry Procedures Change orders must be placed by 11:00 a.m. local time at least one business day prior to the requested delivery date. Step

System Prompt

Your Action

1

Dial 1 877-379-6529

2

“Please enter Client ID”

Enter your Client ID number. Press #

3

“Please enter User ID”

Enter your User ID number. Press #

4

“Enter PIN”

Enter your PIN number. Press #

7

Step

System Prompt

Your Action

5

“Confirm next available delivery date or enter an alternative delivery date”

Press 1 to accept next available delivery date Press 2 to enter an alternative delivery date. Enter the alternative delivery date in MMDDYYYY format. For example, 04202015 would be entered for April, 20 2015

6

“Enter Order Type”

Press 1 to order currency Press 2 to order coin

7

“Enter Amount”

Enter the dollar amount followed by the # sign of each denomination for the order type Tip: To bypass a denomination press 0#

8

“The total of your currency or coin order is $X”

Press 1 if this is correct Press 2 to re-enter your XXX order

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“To continue ordering, enter order type”

Press 1 to order currency Press 2 to order coin

10

To complete the order

Press 4 to complete the order

11

“The grand total of your order is $X”

Press 1 if this is correct Press 2 to re-enter your order Tip: Do not hang up prior to receiving your confirmation number

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“Thank you, your order has been processed with a delivery date of MMDDYYYY. Your confirmation number is XXXX.The grand total of your order is $X.”

Record your confirmation number Press 1 to repeat this information Press 2 to place another order Press 3 to speak to a vault services agent Press 4 if your order is complete

Contact Information If you need assistance with vault services, please contact your local Business Relationship Services team or the vault location you are using. Voice

Fax

Email

Business Relationship Services

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Alabama and Florida

1-800-607-4444

205-297-6140 [email protected]

Arizona, California, Colorado, New Mexico and El Paso, TX

1-800-236-2059

1-866-710-5186 [email protected]

South Texas, except El Paso

1-800-570-2791

1-713-993-8551 [email protected]

North Texas

1-866-876-4922

1-877-527-9736 [email protected]

TM-02-9001C rev. 08/15

BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC.